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.
Epizódy
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Taxes | Registered Accounts and Tax Efficiency 17.09.2026 13min**Edit** there is no distinction between short-term and long-term capital gains tax in Canada. Favourable taxes are only NOT provided in some instances of day trading - you CAN trade within the same year and still receive the favourable tax rate in Canada.The Plain Bagel Episode IXTax is a pretty confusing field, yet it's essential for investors to learn. To help you get started, here are some high-level concepts on how investments accrue taxes, and what you can do to minimize the amount you owe.REIT Tax Link: https://www.dividendearner.com/reit-taxation/Private Equity Tax Link: https://www.lexisnexis.com/uk/lexispsl/tax/document/393773/5BW2-T5S1-F18C-V05X-00000-00/Tax+on+private+equity+and+venture+capital%3A+background+and+key+terms%E2%80%94overviewSources:https://www.canada.ca/en/revenue-agency/services/tax/individuals/topics/tax-free-savings-account/contributions.htmlhttp://www.moneysense.ca/save/investing/rrsp/rrsp-contribution-limit/https://www.taxtips.ca/taxrates/on.htmIntro/Outro Music: https://www.bensound.com/royalty-free-musicEpisode Music: http://freemusicarchive.org/music/Podington_Bear/ Learn more about your ad choices. Visit megaphone.fm/adchoices -
How Negative Interest Rates Work (And What They Would Mean for the Economy) 17.09.2026 13minU.S. President Donald Trump has suggested the Federal Reserve should bring interest rates below zero...but what does that even mean? Will you be paid for taking out a loan? We'll answer these questions and more.If you'd like to support the channel, you can do so at Patreon.com/ThePlainBagel :)Intro/Outro Music: https://www.bensound.com/royalty-free-musicEpisode Music:Faster Does It 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=USUAN1100794Artist: http://incompetech.com/This video was sponsored by SkillshareDISCLAIMER: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 -
Private Credit Panic - Why Investors Are Rushing For the Exits 17.09.2026 25minWhy People Hate Private Equity: https://www.youtube.com/watch?v=cWFi2OfbWWcPrivate credit has been capturing headlines lately, with companies going bankrupt, funds gating investor withdrawals, and claims that we're headed towards another 2008 financial crisis. Today we cover what we know about the situation.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 -
A Special Plain Bagel Episode (The Return of Bagel Buddies) | April Fools Video 17.09.2026 9minNicky Fargo's back!Last year's video (Bagel Buddies trailer): https://youtu.be/jNJMadhrtPcIntro Music: https://www.bensound.com/royalty-free-musicMarty Gots a Plan & Hall of the Mountain King by Kevin MacLeod is licensed under a Creative Commons Attribution license (https://creativecommons.org/licenses/by/4.0/)Sources: http://incompetech.com/music/royalty-free/index.html?isrc=USUAN1500015http://incompetech.com/music/royalty-free/index.html?isrc=USUAN1200072Artist: http://incompetech.com/ Learn more about your ad choices. Visit megaphone.fm/adchoices -
FTX’s 118% Refund Plan 17.09.2026 21minTake your personal data back with today's sponsor Incogni! Use code BAGEL at the link below and get 60% off an annual plan: http://incogni.com/bagel00:00 - Intro02:38 - Recap05:11 - The Payback Plan08:06 - Where'd The Money Come From?11:52 - What Now?On October 7th, a bankruptcy court approved FTX’s plan to pay back customers 118% of their account values as of November 2022. In today’s video, we go over the details of the plan, where this money came from, and what it means for Sam Bankman-Fried.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 video is sponsored by IncogniThis 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 -
The Grossman Stiglitz Paradox - Collaboration with Ben Felix 17.09.2026 11minThe Grossman-Stiglitz Paradox is one which highlights that stock markets cannot possibly be efficient. Why? Let's find out on today's Plain Bagel!Make sure to check out Ben Felix's channel, Common Sense Investing: https://www.youtube.com/channel/UCDXTQ8nWmx_EhZ2v-kp7QxADISCLAIMER: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 -
Investment Analyst Reacts to Investing TikToks - Holiday Special 17.09.2026 21minChristmas came early, let's go through some finance TikToks together.My name's Richard Coffin, I'm an investment analyst with my Chartered Financial Analyst and Certified Financial Planner designations, registered with the Ontario Securities Commission as a portfolio manager.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 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 viewersEdited by Carol Boeira Learn more about your ad choices. Visit megaphone.fm/adchoices -
What Makes an Investment Speculative? 17.09.2026 14minVisit https://www.squarespace.com/theplainbagel to save 10% off your first purchase of a website ordomain using code THEPLAINBAGEL.Check out my website: www.theplainbagel.comIf you'd like to support the channel, you can do so at Patreon.com/ThePlainBagel :)Tesla's stock has earned astronomical returns lately, but is it a speculative investment? We answer this question and address the difference between speculating and investing in 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, although Richard does work as an employee for an investment manager. Richard does not have a position in Tesla or GE. 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 Squarespace Learn more about your ad choices. Visit megaphone.fm/adchoices -
Bank Financial Advisors Are Giving Bad Advice 17.09.2026 23minThere have been reports of advisors giving harmful financial advice to their clients. Today's video dives into these allegations and why it's a systemic issue for the industry.CBC Marketplace Investigation: https://youtu.be/htm38oM5WFE?si=yVHXaGPwVBdrUXJH@BenFelixCSI's Video: https://youtu.be/v8iOV1Uourg?si=fs42SxzlNymve5nEQuestions for Advisors: https://www.canada.ca/en/financial-consumer-agency/services/savings-investments/choose-financial-advisor.htmlCanada 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 Sites for Finding Local Advisors:- https://www.fpcanada.ca/findaplanner- https://www.advocis.ca/find-an-advisor/- https://pmac.org/firms/US Sites for Finding Local Advisors:- https://money.usnews.com/financial-advisorsDISCLAIMERS:Richard Coffin is a registered portfolio manager, CFP professional and CFA charter holder.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 directly affiliated with his employer). Learn more about your ad choices. Visit megaphone.fm/adchoices -
Explaining The Bitcoin Spot ETF Situation 17.09.2026 23minThis video is sponsored by Blinkist - get a 7-day free trial and 25% off Blinkist Annual Premium by clicking: https://bit.ly/theplainbagelJan24 or scanning the QR code.Bitcoin spot ETFs were recently approved in the US, and despite traders speculating about the price catapulting from here, the cryptocurrency has actually fallen. Today we'll explain why this is the case, and why Bitcoin ETFs shouldn't matter all that much to your investment thesis.00:00 - Introduction02:38 - SECs Approval05:57 - Pros of Spot ETFs07:40 - #1 Profit Taking08:49 - #2 Fund Flow Disappointment11:54 - #3 Past Innovations12:40 - #4 Future ChallengesIf you'd like to support the channel, you can do so at https://www.patreon.com/ThePlainBagel :)DISCLAIMER:Richard does not have a position in bitcoin.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 -
The Dot-Com Bubble - 5 Minute History Lesson 17.09.2026 9minVisit https://www.squarespace.com/theplainbagel to save 10% off your first purchase of a website ordomain using code THEPLAINBAGEL.Check out my website: www.theplainbagel.comIf you'd like to support the channel, you can do so at Patreon.com/ThePlainBagel :)The Dot-com bubble was one of the largest speculative rallies seen in the U.S., but while most people have heard about it, the details aren't well known. Here's a 5 minute history lesson on the subject.Intro/Outro Music: https://www.bensound.com/royalty-free-musicEpisode Music:Faster Does It 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=USUAN1100794Artist: http://incompetech.com/This video was sponsored by Squarespace Learn more about your ad choices. Visit megaphone.fm/adchoices -
Clearing Up the Inflation Target Misinformation 17.09.2026 13minVideo of Jerome Powell Jackson Hole speech: https://www.youtube.com/watch?v=PZdOFw-gTo8Speech Transcript: https://www.federalreserve.gov/newsevents/speech/powell20250822a.htmVideo on the impact rates cuts have on stocks: https://youtu.be/rSpVmpiUTTMVideo on the Petrodollar Agreement: https://youtu.be/XK8DQEyXODUThis past Friday we had rumours circulate that Federal Reserve Chair Jerome Powell had abandoned the bank's 2% inflation target. Today, we dive into what ACTUALLY happened at the Jackson Hole address.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 -
Fees | How Investments Cost You 17.09.2026 11minThe Plain Bagel Episode VIIIInvestments are a great way to expand one's wealth, but don't be fooled - there are still fees to pay for the services provided to you. In this video, we'll go over the types of costs you'll pay as an investor, as well as how you can learn more about the specific fees you face.MUTUAL FUND SERIES INFORMATION:- https://www.getsmarteraboutmoney.ca/invest/investment-products/mutual-funds-segregated-funds/mutual-fund-series/Intro/Outro Music: https://www.bensound.com/royalty-free-musicEpisode Music: http://freemusicarchive.org/music/Podington_Bear/Sources: https://s3.amazonaws.com/nw-public-images/marketing/downloads/cost-of-investments-supporting-doc.pdf Learn more about your ad choices. Visit megaphone.fm/adchoices -
The 2025 Gold Rush - "Debasement Trade" or FOMO? 17.09.2026 23minTo learn for free on Brilliant (today's sponsor), 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 - Introduction02:14 - Why Investors Buy Gold04:10 - Why Gold's Rallying08:34 - The Debasement Trade09:47 - Considerations13:27 - Gold's Questionable Price Stability16:11 - SponsorGold's price has been skyrocketing, with murmurings of a great "debasement trade" driving returns. Today we'll dive into what's driving performance, and the overall trends around gold.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 -
What is a Preferred Share? 17.09.2026 13minClick the link to get two FREE months of Skillshare Premium: https://skl.sh/theplainbagel2If you'd like to support the channel, you can do so at Patreon.com/ThePlainBagel :)Yield has become increasingly elusive, but preferred shares continue to offer high single digit payouts. But there's a lot more to this security than meets the eye, let's take a closer look.Intro/Outro Music: https://www.bensound.com/royalty-free-musicEpisode Music:Faster Does It 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=USUAN1100794Artist: http://incompetech.com/This video was sponsored by SkillshareDISCLAIMER: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 -
Stock Indices and Index Fund Investing 17.09.2026 11minIndex funds are some of the most popular investment vehicles around, and yet few fully understand how indices work. So today, let's take a moment to understand what constitutes an index, and how we can use them to invest.Intro/Outro Music: https://www.bensound.com/royalty-free-musicEpisode Music: http://freemusicarchive.org/music/Podington_Bear/DISCLAIMER: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 Active Vs Passive Investing Debate 17.09.2026 14minVisit https://www.squarespace.com/theplainbagel to save 10% off your first purchase of a website ordomain using code THEPLAINBAGEL.If you'd like to support the channel, you can do so at Patreon.com/ThePlainBagel :)Intro/Outro Music: https://www.bensound.com/royalty-free-musicAs someone starting off it might not be clear what the difference between active and passive investing is, or why people are so quick to debate the validity of the two approaches. Today, we discuss both sides and how they square up.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 -
Bagel Buddies Trailer (April Fools Video) 17.09.2026 4minVery excited to announce the latest project for my channel, I hope you're all excited for this new content! Learn more about your ad choices. Visit megaphone.fm/adchoices -
Investment Analyst Reacts to Finance TikToks - Part 7 17.09.2026 23minDiving back into to the world of TikToks to see what knowledge we can gleam.My name's Richard Coffin, I'm an investment analyst with my Chartered Financial Analyst and Certified Financial Planner designations, registered with the Ontario Securities Commission as a portfolio manager.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 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 To Do With Finfluencers? 17.09.2026 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
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