The Plain Bagel
The Plain Bagel
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A educational show about investing and personal finance, with a touch of economics. The host, a CFA charterholder and CFP professional working as an investment analyst in Ottawa, aims to give people the knowledge to make better financial decisions. Episodes cover financial topics in an accessible way. The content is for education only and not meant as financial advice.
Episod
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Growth Vs Value Investing 26.09.2026 18minThe first 100 people to go to https://www.blinkist.com/theplainbagel will get unlimited access for 1 week to try out Blinkist. You'll also get 25% off if you want the full membership.If you'd like to support the channel, you can do so at Patreon.com/ThePlainBagel :)Value and Growth Investing are two of the most popular investing strategies around, but what do they entail, and how do they compare? We answer these questions and more in today's video.Intro Music: https://www.bensound.com/royalty-free-musicThis video is sponsored by BlinkistDISCLAIMER:This channel is for education purposes only and is not affiliated with any financial institution, although Richard does work as an employee for an investment manager. Richard Coffin is not registered to provide investment advice and as such does not provide recommendations on The Plain Bagel - those looking for investment advice should seek out a registered professional. Richard is not responsible for investment actions taken by viewers. Learn more about your ad choices. Visit megaphone.fm/adchoices -
Plain Bagel QandA 5 | Mostly Weed Stock Questions 26.09.2026 10minCheck out Brandon Beavis' channel, Brandon Beavis Investing! Great guy with an impressive number of investment certifications for his age!https://www.youtube.com/channel/UCoYDuEolAYsjQzzqe2dh1sgEpisode Music:Marty Gots a Plan by Kevin MacLeod is licensed under a Creative Commons Attribution license (https://creativecommons.org/licenses/by/4.0/)Source: http://incompetech.com/music/royalty-free/index.html?isrc=USUAN1100671DISCLAIMER:Richard does not have a personal holding in any of the referenced companies. The videos on this channel are for education purposes only and do not constitute financial advice. Richard Coffin is not registered to provide investment advice and as such does not provide recommendations on The Plain Bagel - those looking for investment advice should seek out a registered professional. Richard is not responsible for investment actions taken by viewers and his content should not be used as a basis for investment trades. Learn more about your ad choices. Visit megaphone.fm/adchoices -
What To Do With Finfluencers? 26.09.2026 33minCFA Report: https://rpc.cfainstitute.org/-/media/documents/article/industry-research/finfluencer-report.pdfChapters:00:00 - Introduction02:26 - It's Not All Bad04:55 - The Problem With Finfluencers05:53 - Risk 109:43 - Risk 2 & 313:12 - Risk 414:46 - Risk 516:07 - Why This Matters18:49 - What To Do? 23:56 - ConclusionMentioned Channels:- @TwoCentsPBS - @AswathDamodaranonValuation - @MoneyGuyShow Canada Database for Advisors:- Registration Status: https://info.securities-administrators.ca/nrsmobile/nrssearch.aspx- Disclosures: https://www.ciro.ca/advisor-report-searchUS Database for Advisors: - Registration and Disclosures: https://brokercheck.finra.org/Canadian Courses/Resources (mostly applicable outside of Canada as well, but some details are country-specific):- https://www.mcgillpersonalfinance.com/- https://www.desjardins.com/ca/co-opme/desjardins-difference/personal-finance-im-in-charge/index.jsp- https://www.wealthsimple.com/en-ca/learn/category/investingUS Courses/Resources (I unfortunately am not as familiar with US resources, but here are a couple):- https://investor.vanguard.com/investor-resources-education- https://www.wonderprofessor.com/123s24/123.htmlMy own qualifications:- Chartered Financial Analyst (CFA) designation- Certified Financial Planner (CFP) designation- Bachelors of Finance degree- 9 years experience working in finance- Registered as a portfolio manager under the Ontario Securities Commission in Canada.Credits:- This video contains songs composed by @Kevin MacLeod- Several clips were grabbed from X account TikTokInvestorsDISCLAIMER: I do not hold positions in any of the stocks/crypto mentioned in this video.This channel is for education purposes only and does not constitute financial advice - Richard is not responsible for investment actions taken by viewers. Please seek out a registered advisor if you require assistance (while Richard is a registered portfolio manager at WDS Investment Management, he does not provide advice through The Plain Bagel, which is not affiliated with his employer). Learn more about your ad choices. Visit megaphone.fm/adchoices -
Is a Bear Market Coming? 26.09.2026 13minThis Saturday, the current U.S. bull market turns 10 years old, the first to ever do so in America. But many are concerned that a bear market is waiting around the corner. Why? Let's find out on today's Plain Bagel!Intro/Outro Music: https://www.bensound.com/royalty-free-musicDISCLAIMER:This channel is for education purposes only and is not affiliated with any financial institution. Richard Coffin is not registered to provide investment advice and as such does not provide recommendations on The Plain Bagel - those looking for investment advice should seek out a registered professional. Richard is not responsible for investment actions taken by viewers. Learn more about your ad choices. Visit megaphone.fm/adchoices -
Another Crypto Exchange Founder Guilty - CZ's Charges Explained 26.09.2026 16minBinance and its founder Chanpeng Zhao (CZ) have pleaded guilty to anti-money laundering charges. Let's dive into the case, and what it means for crypto.This channel is for education purposes only and does not constitute financial advice - Richard is not responsible for investment actions taken by viewers. Please seek out a registered advisor if you require assistance (while Richard is a registered portfolio manager at WDS Investment Management, he does not provide advice through The Plain Bagel, which is not affiliated with his employer). Learn more about your ad choices. Visit megaphone.fm/adchoices -
How Short Selling Works 26.09.2026 13minIf you'd like to support the channel, you can do so at Patreon.com/ThePlainBagel :)Short selling lets investors bet against a stock, profiting when it falls in price, but how exactly does a short work? We'll discuss the process and the risks it entails in today's video!Intro/Outro Music: https://www.bensound.com/royalty-free-musicDISCLAIMER:This channel is for education purposes only and is not affiliated with any financial institution. Richard Coffin is not registered to provide investment advice and as such does not provide recommendations on The Plain Bagel - those looking for investment advice should seek out a registered professional. Richard is not responsible for investment actions taken by viewers. Learn more about your ad choices. Visit megaphone.fm/adchoices -
The SpaceX IPO Is Wild 26.09.2026 28min00:00 - Introduction03:44 - SpaceX Overview04:53 - IPO Details05:47 - Insane Valuation06:53 - The Wild Prospectus11:02 - The Retail Push11:38 - Other IPOs (Anthropic and OpenAI)13:23 - The Concerns16:56 - Crowding Out Risk17:58 - The AI Bubble20:24 - Concluding ThoughtsSpaceX IPOs today, and Anthropic/OpenAI are looking to go public in the near term. Today we discuss the trend, what it means for markets, and how it balances against fears of an AI bubble.DISCLAIMER:This channel is for education purposes only and does not constitute financial advice - Richard is not responsible for investment actions taken by viewers. Please seek out a registered advisor if you require assistance (while Richard is a registered portfolio manager at WDS Investment Management, he does not provide advice through The Plain Bagel, which is not affiliated with his employer). Richard makes no warranties regarding the accuracy of data included in this video. Learn more about your ad choices. Visit megaphone.fm/adchoices -
How Diversification Works 26.09.2026 14minVisit https://www.squarespace.com/theplainbagel to save 10% off your first purchase of a website ordomain using code THEPLAINBAGEL.Correlation calculation tool: https://www.portfoliovisualizer.com/asset-correlationsIf you'd like to support the channel, you can do so at Patreon.com/ThePlainBagel :)Intro/Outro Music: https://www.bensound.com/royalty-free-musicDiversification is one of those things you've probably heard about as something you need to do, but how does it actually work, and why is it considered so important? We explain this and more!This video was sponsored by SquarespaceDISCLAIMER:This channel is for education purposes only and is not affiliated with any financial institution. Richard Coffin is not registered to provide investment advice and as such does not provide recommendations on The Plain Bagel - those looking for investment advice should seek out a registered professional. Richard is not responsible for investment actions taken by viewers. Learn more about your ad choices. Visit megaphone.fm/adchoices -
The COVID-19 Stock Market Correction - Let's Talk 26.09.2026 17minUp-to-date COVID-19 figures: https://gisanddata.maps.arcgis.com/apps/opsdashboard/index.html?utm_source=Global+Health+NOW+Main+List&utm_campaign=2741a95be8-EMAIL_CAMPAIGN_2020_02_24_01_37&utm_medium=email&utm_term=0_8d0d062dbd-2741a95be8-884823#/bda7594740fd40299423467b48e9ecf6Doctor Mike's Channel: https://www.youtube.com/channel/UC0QHWhjbe5fGJEPz3sVb6nwThe coronavirus has been making headlines, but while many are concerned about the health implications, others are worried that the impending pandemic will cause a recession. Let's talk about the situation and what to consider before making an investment decision.If you'd like to support the channel, you can do so at Patreon.com/ThePlainBagel :)DISCLAIMER:This channel is for education purposes only and is not affiliated with any financial institution, although Richard does work as an employee for an investment manager. Richard Coffin is not registered to provide investment advice and as such does not provide recommendations on The Plain Bagel - those looking for investment advice should seek out a registered professional. Richard is not responsible for investment actions taken by viewers. Learn more about your ad choices. Visit megaphone.fm/adchoices -
Are Trump's Tariffs Working? 26.09.2026 23min00:00 - Introduction02:12 - Why Economists Disagree04:06 - Where’s the inflation? 08:12 - Are Tariffs Deflationary?10:00 - What About Manufacturing?11:32 - New Investments in the US15:06 - Why is GDP Growing?Despite economists warning on the negative impact of tariffs, the US has been reporting stronger-than-expected GDP growth, record tariff revenue, and trillions of inbound investment commitments. Let's dive into whether tariffs are actually improving the US economy.If you'd like to support the channel, you can do so at https://www.patreon.com/c/ThePlainBagel :)DISCLAIMER:This channel is for education purposes only and is not affiliated with any financial institution, although Richard does work as an employee for an investment manager. Richard Coffin does not provide recommendations on The Plain Bagel - those looking for investment advice should seek out a registered professional. Richard is not responsible for investment actions taken by viewers Learn more about your ad choices. Visit megaphone.fm/adchoices -
High Frequency Trading and its Impact on Markets 26.09.2026 15minGo to https://nordvpn.com/theplainbagel and use code theplainbagel to get 70% off a 3 year plan plus one extra month for free.Some research papers from regulatory bodies on HFT:https://www.sec.gov/marketstructure/research/hft_lit_review_march_2014.pdfhttps://www.fca.org.uk/publication/occasional-papers/occasional-paper-50.pdf?mod=article_inline&utmSome interesting Ted Talks on the subject:https://youtu.be/ENWVRcMGDoUhttps://youtu.be/V43a-KxLFcgHigh frequency trading probably doesn't sound very nefarious, but the SEC has highlighted it as one of the most significant market structure developments in recent history, and it has even been blamed for causing past stock market crashes. We'll explain the topic and more in today's episode.Check out my website: www.theplainbagel.comIf you'd like to support the channel, you can do so at Patreon.com/ThePlainBagel :)Intro/Outro Music: https://www.bensound.com/royalty-free-musicDISCLAIMER:This channel is for education purposes only and is not affiliated with any financial institution, although Richard does work as an employee for an investment manager. Richard Coffin is not registered to provide investment advice and as such does not provide recommendations on The Plain Bagel - those looking for investment advice should seek out a registered professional. Richard is not responsible for investment actions taken by viewers.This video was sponsored by NordVPN Learn more about your ad choices. Visit megaphone.fm/adchoices -
Why People Are Freaking Out Over Bonds 26.09.2026 25min00:00 - Introduction02:45 - Primer05:11 - Why are yields rising05:58 - Credit Rating Downgrade07:57 - One Big Beautiful Bill09:33 - The Weak 20-year Auction10:55 - Japan’s Role?11:26 - Why High Yields Matter13:30 - Why it’s not a financial crisisLink to video comparing US banks to Silicon Valley Bank: https://youtu.be/ZPlrkr1qaE0?si=mwyYceZiSl-B0qsnIf you'd like to support the channel, you can do so at https://www.patreon.com/c/ThePlainBagel :)DISCLAIMER:This channel is for education purposes only and is not affiliated with any financial institution, although Richard does work as an employee for an investment manager. Richard Coffin does not provide recommendations on The Plain Bagel - those looking for investment advice should seek out a registered professional. Richard is not responsible for investment actions taken by viewers Learn more about your ad choices. Visit megaphone.fm/adchoices -
What Rising Treasury Yields Mean for the Economy 26.09.2026 23min00:00 - Intro02:29 - Yield Basics04:30 - The Yield Curve05:15 - Why Are Yields Rising Now?09:19 - Why Higher Yields Might Hurt the Economy12:45 - Concerns Around Banks14:30 - Other Considerations17:08 - Closing ThoughtsThere was a lot of talk last week about the rising US Treasury yields - let's take some time to explain what exactly is going on.This channel is for education purposes only and does not constitute financial advice - Richard is not responsible for investment actions taken by viewers. Please seek out a registered advisor if you require assistance (while Richard is a registered portfolio manager at WDS Investment Management, he does not provide advice through The Plain Bagel, which is not affiliated with his employer). Learn more about your ad choices. Visit megaphone.fm/adchoices -
"Crash-Proof" Investments: How Safe Havens Performed in Our Recent Bear Market 26.09.2026 16minThe first 1000 people who click the link will get 2 free months of Skillshare Premium: https://skl.sh/theplainbagel6If you'd like to support the channel, you can do so at Patreon.com/ThePlainBagel :)Intro/Outro Music: https://www.bensound.com/royalty-free-musicIt's been a scary first quarter for stock market investors, and many may have considered selling their positions to enter certain safe haven positions. But as you'll see, these investments may not provide you the insurance you expect against stock market crashes.This video was sponsored by SkillshareDISCLAIMER:This channel is for education purposes only and is not affiliated with any financial institution, although Richard does work as an employee for an investment manager. Richard Coffin is not registered to provide investment advice and as such does not provide recommendations on The Plain Bagel - those looking for investment advice should seek out a registered professional. Richard is not responsible for investment actions taken by viewers. Learn more about your ad choices. Visit megaphone.fm/adchoices -
Prediction Markets Are Ruining the Finance Industry 26.09.2026 34min2:36 - Prediction Market Background9:38 - Prediction Market problems17:02 - The Promotions21:50 - The Gamblification of Everything24:23 - Closing thoughtsLet's talk about prediction markets...DISCLAIMER:This channel is for education purposes only and does not constitute financial advice - Richard is not responsible for investment actions taken by viewers. Please seek out a registered advisor if you require assistance (while Richard is a registered portfolio manager at WDS Investment Management, he does not provide advice through The Plain Bagel, which is not affiliated with his employer). Richard makes no warranties regarding the accuracy of data included in this video. Learn more about your ad choices. Visit megaphone.fm/adchoices -
What Just Happened With Chinese Stocks? 26.09.2026 16minChinese stocks have rallied recently, leading many to wonder if now's the time to invest. Today I go through the updates we're seeing.If you'd like to support the channel, you can do so at Patreon.com/ThePlainBagel :) Buy a Plain Bagel Mug: https://www.theplainbagel.com/merchDISCLAIMER:This channel is for education purposes only and does not constitute financial advice - Richard is not responsible for investment actions taken by viewers. Please seek out a registered advisor if you require assistance (while Richard is a registered portfolio manager at WDS Investment Management, he does not provide advice through The Plain Bagel, which is not affiliated with his employer). Learn more about your ad choices. Visit megaphone.fm/adchoices -
Why Central Banks Target 2% Inflation 26.09.2026 20minTo learn for free on Brilliant, go to https://brilliant.org/theplainbagel. Brilliant’s also giving viewers 20% off an annual Premium subscription, which gives you unlimited daily access to everything on Brilliant!00:00 - Introduction02:09 - The Origin of 2% Inflation04:03 - Argument for 2%06:57 - Why Not Deflation?09:21 - Costs and Considerations12:30 - Why the Target Won't Change13:48 - SponsorDespite economists warning on the negative impact of tariffs, the US has been reporting stronger-than-expected GDP growth, record tariff revenue, and trillions of inbound investment commitments. Let's dive into whether tariffs are actually improving the US economy.If you'd like to support the channel, you can do so at https://www.patreon.com/c/ThePlainBagel :)DISCLAIMER:This channel is for education purposes only and is not affiliated with any financial institution, although Richard does work as an employee for an investment manager. Richard Coffin does not provide recommendations on The Plain Bagel - those looking for investment advice should seek out a registered professional. Richard is not responsible for investment actions taken by viewers Learn more about your ad choices. Visit megaphone.fm/adchoices -
The Dangers of Bitcoin - My Thoughts 26.09.2026 21minBefore you buy bitcoin, or tell someone else to do so, make sure you understand these fundamental risks...Richard is NOT a financial adviser, and the points expressed in this video are Richard's opinion. Richard does not have any position in Bitcoin. Sources:https://www.bloomberg.com/news/articles/2017-12-04/israeli-firm-strikes-digital-gold-with-canadian-miner-purchasehttps://www.thestar.com/business/2018/01/08/struggling-iced-tea-company-that-added-blockchain-to-name-seeks-funding-for-venture-into-bitcoin-mining.htmlhttp://www.globeinvestor.com/servlet/ArticleNews/story/GAM/20180113/RBMBITCOINBOPhttps://socialmediaweek.org/blog/2017/09/58-insane-facts-bitcoin-infographic/https://cointelegraph.com/explained/bitcoin-scaling-problem-explainedhttps://www.bloomberg.com/news/videos/2017-12-12/bitcoin-is-like-gold-2-0-says-tyler-winklevoss-videohttp://archive.fortune.com/magazines/fortune/fortune_archive/1996/04/15/211503/index.htmDISCLAIMER:The videos on this channel are for education purposes only and do not constitute financial advice. Richard Coffin is not registered to provide investment advice and as such does not provide recommendations on The Plain Bagel - those looking for investment advice should seek out a registered professional. Richard is not responsible for investment actions taken by viewers and his content should not be used as a basis for investment trades. Learn more about your ad choices. Visit megaphone.fm/adchoices -
Clearing Up the Canada Tariff Misinformation 26.09.2026 17min00:00 - Introduction02:23 - Canada's Supply Management04:20 - Canada's Tariff Rates06:22 - Tariff Rate Quotas06:51 - US Preferential Rates08:24 - Quota Underutilization10:22 - US' Own Restrictions12:06 - Closing RemarksUSMCA Trade Deal: https://ustr.gov/trade-agreements/free-trade-agreements/united-states-mexico-canada-agreement/agreement-betweenCBSA Tariff Rates: https://cbsa-asfc.gc.ca/trade-commerce/tariff-tarif/2024/01-99/01-99-2024-1-eng.pdfWTO Portal: https://tao.wto.org/welcome.aspx?ReturnUrl=%2f%3fui%3d1&ui=1There's been a lot of discussion of Canada's tariffs against US imports, most of which has been misleading or flat out wrong. Let's clear the air.If you'd like to support the channel, you can do so at https://www.patreon.com/c/ThePlainBagel :)DISCLAIMER:This channel is for education purposes only and is not affiliated with any financial institution, although Richard does work as an employee for an investment manager. Richard Coffin does not provide recommendations on The Plain Bagel - those looking for investment advice should seek out a registered professional. Richard is not responsible for investment actions taken by viewers Learn more about your ad choices. Visit megaphone.fm/adchoices -
Covered Calls Explained - The Cost of Income 26.09.2026 16minThe covered call strategy is popular online given its ability to generate "bonus income," but it comes with its drawbacks. We'll dive into both the pros and cons with today's video.00:00 – Intro02:05 – Covered Call Overview04:44 – The Pros05:41 – The Cons09:16 – Risk-Adjusted Returns10:48 – Why You Need to Be Cautious11:33 - ConclusionDISCLAIMER: This channel is for education purposes only and does not constitute financial advice - Richard is not responsible for investment actions taken by viewers. Please seek out a registered advisor if you require assistance (while Richard is a registered portfolio manager at WDS Investment Management, he does not provide advice through The Plain Bagel, which is not affiliated with his employer). Learn more about your ad choices. Visit megaphone.fm/adchoices
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