alright alright what's up everyone this
is stefan from projectlifemastery.com
and in this video i'm going to talk to
you guys a little bit about investing
what's my investing strategy what's my
investing philosophy what do I invest my
money I know a lot of you guys been
asking me about this for a while now you
guys have seen my monthly goals reports
for every single month I share my goals
my progress what I'm focusing on and
what have you got one of the things you
guys have seen is that over the last few
years I've built an investment portfolio
of over a million dollars in my holding
company of just stocks alone and so I'm
going to share with you guys that a
little bit later on in this video I'm
going to share with you guys a screen
capture video of my trading account I'm
going to show you my holdings I'm going
to show you some of the companies that I
personally invest in and what I
currently hold I'm going to sure that
you guys the dividends that I get the
passive income that I get from a lot of
these investments as well and give you
guys a little bit of a glimpse of that
just to be transparent with you guys but
before I get into that I want to talk to
you guys a little bit about my investing
strategy and philosophy um first thing I
want to say right out the gate is that I
am NOT an investing guru okay I'm not an
investing guru I'm someone that's just
early on into his journey of investing
there's still a lot for me to learn I'm
not an expert by any means I'm not here
to give you guys advice or anything like
that I don't feel qualified to do that
I can share with you guys in a
transparent way what's worked for me
what I currently do what I've learned
but I encourage you guys to make sure
that you go on your own path you go on
your own path and you you know based on
where you live and you talk to you know
experts you read the books the resources
and you find the best strategy for you
because I think everyone's different you
know what I personally buy or hold might
be totally different for you based on
where you live and I live in Canada for
example and a lot of the investments
that I make are on the TSX the Toronto
Stock Exchange and I primarily benefit
from you know the Canadian dollars a lot
weaker than the American dollar I
understand the Canadian economy a lot
better whereas if you live in the US or
you live in Europe and you live in Asia
different markets it might be told
different where you live so don't take
anything that I'm sharing with you is
any sort of advice again I'm just going
to share with you guys what I personally
do what works for me and again I just
have a very basic understanding of
investing you know there's a lot of
times where I read books or magazines on
investing or watch these shows and I got
to admit there's a lot of terminology
and things that are talked about that I
personally don't understand and that's
okay
you know I'm learning as I go and I've
done well which is great and I'll share
with you guys again just what I've done
and some of my strategy and philosophy
okay so with that being said my strategy
my philosophy is always focusing on the
long term and you guys already know this
about me I share this with building
online businesses etc is I'm never in it
to get rich quick I'm never in it just
for a quick payday or to invest in
something and then make all this money
right away now great if you can do that
but for me everything is is with the
intent of long term if I can benefit
short term awesome but primarily my eye
is always on the horizon I'm always
focused five ten plus years from now but
again it's going to depend on your age
and all that sort of stuff I'm young I'm
thirty years old so you know I have a
lot of time ahead of me you know if
there's a recession if there's a
depression whatever great that's
actually a great opportunity for me to
buy more in fact a lot of times when
there's a recession or the markets way
down um a lot of people see that as a
bad thing and it might be based on you
know if you're retiring or something
like that but if you've got time on your
side man I think that's an amazing
opportunity to buy to buy and invest
more and you can end up making a lot of
money in a short period of time if that
does occur so for me always a long term
most of my investments are fairly secure
as well okay and I'll share some of
those with you guys um you know there
might be a few occasions where I invest
in something that is risky okay or for
the short term but if I do I personally
only do that if I'm comfortable with
losing that money alright so if I'm an
invest in some of this risky that has a
high potential but it's also you know it
can go down um and I could lose it all
whatever I'm prepared for that I'm
prepared to lose it all that's not you
know my life savings or anything like
that's money that you know I just kind
of viewed as my gambling money my Vegas
money um you know can I can make a lot
of money from it or I could lose a lot
from it but either way it's not gonna
affect me that much that's not the bulk
of my nest egg my net worth all that
sort of stuff okay so primarily
long-term fairly secure and most of the
stocks that I invest in our dividend
paying stocks meaning they pay a yield
so either every month every quarter or
every year I'm going to get a passive
income and you get a dividend from these
companies that I invest in every month
quarter a year depending on how many
shares that I have and what the yield is
so my primary investment strategy is to
to get a passive income from my
investments if my investments go up and
I can benefit from capital gains I can
sell them great awesome but again
primarily and focus on the long term so
my investments go up I don't typically
look to sell them not unless there's
some that could potentially change and I
can anticipate the future in some some
way but I'm a big believer in dollars
dollar dollar cost averaging which
basically states that you know if you
make regular contributions you regularly
invest in a company let's say and there
can be times where it's going to go down
it's going to go you know up as well but
overall it's going to even itself out so
a lot of people invest in something and
it goes down and they get discouraged
you get frustrated they panic you know
and I think you should never be in that
position because if you're investing you
know in a company and it goes down
you're scared and fearful then you
probably didn't have a good portfolio of
safe investments that's money that you
know that you you can't afford to lose
and I think you shouldn't put yourself
in that position okay that's a little
bit too risky for you um so for me
though when when something goes down I
see that as an opportunity I see that as
an opportunity to buy more I'm getting
more shares that company at a discount
and then sure enough over the long term
the market will correct itself etc and
it'll go up okay and most of the stocks
that invest in primarily in Canada you
know I've owned all the bank stocks so
like bank of montreal Bank of Nova
Scotia National Bank TD Bank or
you see you know these are companies
that I own that are banks and they're
fairly secure you know they're not
likely to collapse or anything like that
they pay a great dividend and you know
DMO Bank has been you know the stocks
been around for over a hundred years so
they're fairly secure investments so
dividend paying stocks that's a big part
of my philosophy my strategy I will
mention uh what I'm going to share with
you guys I invested in a holding company
I also have personal events investments
me personally and I also invest in I got
a rental property as well and I got
mutual funds etc but I'm going to focus
primarily on stocks dividend paying
stocks with you guys because that is the
bulk of my strategy overall I will
mention that I'll share a little bit my
story investing I actually invested the
first time I was eighteen years old into
a mutual fund I read the book called a
wealthy barber in Canada it's a Canadian
book and they basically shared you know
the whole philosophy of compounding and
what you invest in a mutual fund you put
in a hundred bucks
every single month by the time you're
six years old you're going to have
millions of dollars and so I really
bought into that and I still you know
believe in the power of compounding it's
really great and I understood that you
know I invested five hundred bucks
initially when I was 18 years old and I
wanted to put in a hundred bucks a month
automatic pre-authorized
deposits but I didn't have 100 bucks a
month and so I did 25 bucks a month
that's what I could afford and I
understood it wasn't about the amount
was about the time the earlier that you
can get started
the more that compounding will benefit
you so 25 bucks a month
that led to some other mutual funds and
and all that sort of stuff but I never
really had a lot of money until 25 years
old or so and really it didn't really
get into investing until maybe the last
few years to be honest with you but
primarily mutual funds and then as I
started making some more money there's
different opportunity I started learning
a little bit more um a few years ago I
forget I forget when I remember when
Facebook first went public I bought some
shares of Facebook and I didn't have
much my invested three hundred bucks
that's all I had at the time and I
invested an apple as well and I think I
had like 500 bucks invested of shares
and Apple as well um and I actually sold
those like a few years ago
and it's gone up like Apple went from
500 bucks to 1500 bucks and Facebook
went to like a thousand bucks or
whatever its I sold it and everything so
I kind of dabbled here and there and
then what happens is once you get to a
point where you're making a lot of money
and you have a lot of positive cash flow
it's a good quality problem to have
because you have to really think about
what are you gonna do with that money
you don't want all that money just to
sit there in your company in cash you
want that money to grow you want it to
at least beat inflation in some way but
at the same time if you have a lot of
money in your company you don't want to
just pay yourself that money because
then you're paying a lot of money in
taxes in Canada you get picked tax way
more personally than you do in a company
the company you get a lot of tax
advantages and benefits and then Plus
you know if you take out the money you
pay yourself as a salary or a dividend
you're getting taxed twice now only if
it's a dividend the salary you can write
that off in your business in Canada so
you know having money in your company
one thing you want to do is you want to
create a holding company a holding
company is basically a company the whole
purpose is to hold assets whether
existing businesses that you already
have but you also utilize that to invest
in stocks real estate etc private
businesses as well so that's kind of
been my strategy would and these are all
things you get to a certain point you
make money you got to talk to lawyers
you got to talk to accountants it's been
a journey for me to learn all this stuff
and set everything up the right way but
again once you start making a lot of
money you want to be smart you want to
protect your investments you don't want
to have everything in your company
that's why you want to have a holding
company to protect yourself from
liability etc okay so very important
with that being said guys um maybe I'll
just jump into and share with you guys
my trading account and some of the
things I can kind of go over with you
guys but that's really the core of my
philosophy long term secure you know if
I am going to do something risky I can
afford to lose that you know I I do
follow certain mentors and and there's
different newsletters you can follow and
they'll kind of give you some advice and
feedback on different investments to buy
and you know when to sell and give you
basically compile a lot of information
for you and save you that time because I
don't have a lot of time to research
these companies and stuff and so it's
newsletters and things like that is like
The Motley Fool for example in Canada
where they'll give you you know the
research and tell you you know what's
you know what's hot and you know what's
or what's a good opportunity and what's
the company look like and the management
and all that sort of stuff okay so there
are certain resources like that you can
find again depending where you live and
that is useful to have and that that's
something that I utilize for myself
personally as well okay so with that
being said I'll share more for you guys
throughout this video but I'm going to
open up my laptop now and I'm going to
show you guys some of the investments
that I hold okay here I am logged into
my art DC Direct Investing trading
account from my holding company now
before I go into this and show you the
different holdings that I have in my
investment portfolio I will mention that
this is just my investment portfolio for
my holding company I have personal
assets I have personal trading accounts
I own rental property I own mutual funds
that aren't included in this this is
just money that I invest inside my
holding company because it's
advantageous to do so for tax purposes
if I take myself take out this money pay
myself I'm going to pay a lot more money
on taxes so that's why I choose to
invest in a holding company and I
personally use RBC Direct Investing
however there's many different trading
websites and accounts that you can set
up I just personally like to use RBC I
live in Canada as well so you'll see
that the primary currency that I utilize
is the Canadian dollar which at the time
of this video right now is weaker than
the American dollar so I actually
benefited a lot because a lot of my
business is done in u.s. dollar and then
I can benefit from the currency exchange
so what you can see right here is this
is my investment account right now it's
a June 16 2016 I've got a Canadian
account and a u.s. account I primarily
trade in the Canadian economy right now
which is primarily the TSX the Toronto
Stock Exchange
you can see my total portfolio is over a
million dollars again this isn't my
entire you know net worth my entire
assets I do have
money in cash and different accounts as
well this is just my investing trading
money okay
primarily in investments here I do have
some cash just for additional trading
that different opportunities that come
up but I can also transfer more cash by
toons to inside this account okay with
that being said let me now show you some
of the holdings that I have here these
are all in Canadian these are Canadian
holdings these are the the symbols or
the stock names and here are or here is
the symbols here's the stock names the
companies and I'll show you some of
those here it states the current price
the market value book cost gain and loss
gain and loss percentage let me just
kind of first show you the overall
holdings that I have here so um the
investments that I have here which are
all in Canadian dollar my Canadian
account is 932 thousand and I've
actually made 53 thousand dollars in
capital gains so far now really the the
capital gains you get really only
depends if you sell right so sometimes
it goes up sometimes it goes down I
think at some point I was up over sixty
thousand dollars at some point some time
last year in fact I was down like thirty
thousand dollars but like I said earlier
I see that as a great opportunity to buy
it more so right now it's up which is
great but as I mentioned I'm focus on
the long term if I decide to sell I'll
make 53 grand which is awesome but I'm
more in it for the long term the
dividends the passive income that I get
from these this is my US account but I
primarily use this for currency exchange
so right now I've got you know sixty
five thousand just in US dollar but I
can actually sell that into a Canadian
stock and convert it without having to
pay bank fees it's actually a strategy
called norbit's gambit if you are you
know Canadian for example it's an
amazing strategy that you can utilize to
exchange money currently I do do for
foreign currency exchange without having
to pay the bank fees because the bank
fees if you exchange from u.s. to
Canadian you're going to pay more
they're going to take their cut from
that so that's an entirely different
strategy maybe for another video or if
you're really curious you can do a
Google search for norbit's gambit but
I'm not primarily focus on my candy
Holdings right here so as I mentioned
before I primarily invest in different
bank stocks so for example here is Bank
of Montreal I'm going to open this one
in a new tab baked Nova Scotia uh it's
the National Bank is a bank stock Royal
Bank of Canada and TD Bank okay so let
me pull up these um just to show you
alright so here you can see information
about the stock the investment the
primary things that I'll okay I'm not
going to go into everything you know
here's the current price and whether
it's gone up and down but it's a
dividend yield
okay dividend yield basically means that
this is the percent they're going to
payout per share
it's a quarterly dividend as well so the
more shares you have the more they're
going to get paid out but you get paid
out every quarter um they also have the
dividend dates and another thing that's
worth while looking at is whether or not
it's drip eligible this basically means
that when you get distributed your
dividend every quarter it's
automatically going to buy more shares
so that's kind of a benefit because
every time you get the dividend it's
just going to buy more and more shares
for you and it's going to you're going
to benefit from the compounding effect
and buy more whether it's up or down
based on dollar cost averaging so those
are the main things I look at making
sure it pays a dividend it has a yield
um here's the bank in nova scotia one
this one's also quarterly dividend 4.4
8% on a drip a national bank five point
zero five percent so some of them you
can actually get really high yields four
which is cool here you know four point
nineteen percent for Royal Bank and
three point nine four percent with TD so
again not only are benefiting from
capital gains but you're also benefiting
from the yields that you're getting
which is really cool and I'll show you
guys that in a little bit so bank stocks
I'm a fan of um you know and again it
might be different where you live I'm
not sharing this with you to tell you
you got to buy and own what I hold you
want to make sure that you have the
right financial planner somebody that
can help guide you and knowing what you
know the best opportunities for you to
invest in
but I like to personally hold bank
stocks or secure long-term here in
Canada I also have you know the
communications companies for example
tell us and Shaw they're like they
provide you know telephones cell phone
service cable internet Shaw here
actually pays a monthly dividend which
is really cool so every month I get
passive income from them um okay I also
have index funds ETS I'm a fan of index
funds such as Vanguard this is the S&P
500
so this is basically the SP 500 which is
basically the American economy to top or
at least the top 500 companies in the
United States so this is actually traded
on the TSX so I'm actually owning an
index fund of the S&P so I have that
here and this one here I shares is
actually the Canadian version of that
the Canadian top Canadian companies and
the great thing about index funds if you
haven't yet read Tony Robbins book money
master the game Warren Buffett
recommends next funds primarily because
um you know there's not much fees
involved and a lot of mutual funds
there's a lot of fees that they take and
most mutual funds don't match the market
and the the the guy who is the founder
of Vanguard I forget his name Jack Bogle
yeah Jack Bogle he actually you know big
fan of index funds as well so they've
got some really good teachings about it
this is not drip eligible so basically
the money goes to my accounts and I'm
going to have to reinvest it this one
also pays a dividend though which is
cool and again this is the Canadian one
also pays a dividend this one is drip
eligible so I think index funds are
great because you're well diversified I
also have some bond index funds to I
won't really go into those bonds bonds
are good they're very safe they're just
really good for protection and
diversification in my opinion as often
times when the stock market goes down
bonds go up and vice-versa so it is good
to have some bonds in your portfolio um
let's see what else could I show you I
also invest okay this is cool I invest
in REITs real estate investment trusts
so this is basically companies that own
real estate so if you don't want to
personally invest in real estate
property you can buy you know company is
that that own real estate you can
benefit from the ups and downs of the
real estate market so for example this
one here oh this one here Rio can owns
um the real estate for companies such as
Lum Shoppers Drug Mart just a number of
different like commercial buildings
which is really cool I forget some of
the names of them but in Canada like
Shoppers Drug Mart is one of them um
yeah I'd have to dig in to find out but
it develops and manages over
approximately 300 properties including
shopping centers and mixed-use
developments in over six markets in
Canada so REITs are great another good
read that I have is Chartwell retirement
residences these are basic retirement
homes in Canada and there I've actually
made a lot of money on them so far but
they're really cool because right now a
lot of the baby boomers are retiring and
so they're looking for you know looking
for retirement homes and stuff and so
benefiting from that is also great also
um okay so those are just some of the
holdings I have um like I said
everything pays a dividend you can see
overall you know I'm up fifty three
thousand which is great and you'll see
that a lot of my investments some of
them have lost some money you know 2.8
percent $600 on this one others have
gone up 26 percent right $1,600 that I
mean on that one um you know so these
ones are up 20% 26% up 70 percent you
know this one's you know - twelve
percent you know so some of them are up
or down and again I see these
opportunities to buy more at a discount
which is great usually when things are
going really well I like just to hold
and wait till it goes down again because
timing is really important you want to
make sure you're buying your investing
and selling at the right times so yeah
you can see overall up up down but
overall my portfolio is up which is
great and and I do have some investments
that like I said are a little bit
riskier but I don't have a lot of
holdings
of those so for example you can see like
this one I've only got $3,700 you know
in this one I've only got 3,600 in this
one so the loss isn't as big and like I
said I can buy more and now let me just
show you um I'll show you some of the
the dividends that I get paid okay I'll
show you guys form a here so this is the
activity in my account and this isn't
going to basically tell me um you know
what's been going on dividends
reinvested dividends etc so this one
here is a dividend I got paid in May $86
in 80 cents this one here is another
dividend one hundred thirteen dollars
this is the reinvested dividends so
basically bought five shares of this one
it reinvested it because it's on a drip
um this is like here's a distribution
from from Chartwells one hundred twenty
seven dollars and that was reinvested
another one is two dollars ninety four
cents okay Bank of Montreal paid me
three hundred and eighty five dollars
again it reinvested that three hundred
thirty dollars bought four shares these
are just different transfers that I have
deposits and transfers that I do through
at the month because I transfer in money
I take out money depending on some
currency exchange that I do
okay Royal Bank pay me a dividend of
four hundred and thirty three dollars
really cool I bought some of that stock
and may deposited money okay another
dividend 101 dollars reinvested and
never did $90 one hundred four dollars
forty seven dollars so you can see this
is all just passive income here's you
know a bunch of just trades that I did
one hundred seventy dollars
okay natural bank maybe $652 TD Bank
gave me $1,100 dividend awesome yeah so
those are the basically the dividends
that receive for May every month I'm
receiving dividends some of them are
monthly and quarterly but every month I
get dividends from different ones I have
I think I calculated May was like $3,500
that I got just in dividends from this
portfolio which is pretty cool so that's
pure passive income guys that's that as
passive income I don't have to manage it
you know it's just these companies
depending on how many shares I have
these keep paying me the dividends so
that's that's the power of investing in
stocks that pay a yield is just really
benefiting from that so that's my
investment portfolio my strategy my
philosophy and what I personally do like
I said this is what works for me I'm a
big fan of of investing and having your
money work for you you don't just want
it sitting there you want it to at least
beat inflation and make you more on top
of that everybody has different the best
investing purposes and needs and goals
depending on your age and stage of life
and I'm a big fan of diversification as
well um you know I have thought this
I've got personal investments I've got a
rental property and looking to invest
more in real estate right now I'm
actually holding a lot of money in cash
because I'm waiting for I'm one of my
goal to you guys know this years to buy
a place if not this year the next so I
don't want to have all my money just in
my holding a company and through
investments like this I want to have
cash available so that if opportunities
come up I'm available for that and then
it's really important especially in
volatile markets because you know
there's a recession again you want to
have cash available to invest cuz then
if you do you can prosper a lot make a
lot of money in that process and I do
have some mutual funds as well although
I'm not as big on them you know one
system really well for me you got to
make sure you're aware of the fees and
everything involved as well but anyways
that's my that that's my strategy guys
hopefully this has been useful for you
guys to some extent a lot of you guys
been asking for this and hopefully I've
been able to help you guys out and show
you guys some of my results and
experience and success so thanks for
watching this video guys make sure to
leave a comment below and hit the like
button and subscribe for more videos for
like this take care hey this is Stefan
and thank you so much for watching this
video
if you enjoyed this and please hit the
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