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The Plain Bagel

Investing and personal finance educational videos with a hint of economics, posted regularly.

I'm a CFA charterholder and CFP professional working as an analyst for an investment management company in Ottawa. I'm a huge finance nerd and am passionate about the field - I think people lack the resources they need to make educated financial decisions, and hopefully this channel helps with that!

For collaboration/other inquiries: richard@theplainbagel.com

For sponsorships:
sponsorships@theplainbagel.com

DISCLAIMER:
The videos on this channel are for education purposes only and do not constitute financial advice. 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 and his content should not be used as a basis for investment trades.

Links:
Facebook: https://www.facebook.com/ThePlainBagel/
Twitter: https://twitter.com/the_plain_bagel
Patreon: https://www.patreon.com/ThePlainBagel

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Today · 10 min
Stocks | How Equity Earns You Money
The Plain Bagel Episode III Shares represent a percentage ownership of a business. This video covers investing in equity, and how stocks payoff for investors. Intro/Outro Music: https://www.bensound.com/royalty-free-music Episode Music (Licensed): http://freemusicarchive.org/music/Podington_Bear/ Sources: http://www.bankrate.com/investing/millennials-slow-to-start-investing-in-stock-market-bankrate-survey-finds/ http://www.businessinsider.com/50-cent-files-for-bankruptcy-2015-7 https://data.worldbank.org/indicator/NY.GDP.MKTP.KD.ZG?end=2016&locations=IN&start=1976 https://ycharts.com/companies/NKE/shares_outstanding Learn more about your ad choices. Visit megaphone.fm/adchoices
Today · 14 min
The Active Vs Passive Investing Debate
Visit https://www.squarespace.com/theplainbagel to save 10% off your first purchase of a website or domain 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-music As 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 Squarespace 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
Today · 23 min
Memestocks Won't Make You Rich (Probably)
Today, we're talking about memestocks, and why they PROBABLY won't make you rich. @JamesJani's video: https://youtu.be/7LPuXowifJ4?si=L_gfIa-SS4T20Nh4 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/merch 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). Learn more about your ad choices. Visit megaphone.fm/adchoices
Today · 25 min
AI Is Giving Financial Advice Now
00:00 - Introduction 02:23 - ChatGPT Announcement 05:44 - The Pros 07:54 - Advice Concerns 10:09 - Regulatory Ambiguity 14:22 - Considerations for Using AI Advisors 16:56 - Will AI Replace Advisors? Dead on the Money Podcast Episode: https://youtu.be/po9zpbVQOYE?si=1B2Ff87jzRakyMdr ChatGPT announced this week that it would allow users to connect their bank/investment accounts to the platform to receive AI advice for their finances - today we dive into the implications. 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
Today · 11 min
Managed Solutions | Mutual Funds and More
**Edit**: most mutual funds require a minimum initial investment that can range anywhere from $100 to $3000, though the amount varies depending on the fund. The Plain Bagel Episode V For investors looking to outsource the investment management process, their are plenty of options available. This video covers "managed solutions," including Discretionary Managers, Mutual Funds, and Hedge Funds. Intro/Outro Music: https://www.bensound.com/royalty-free-music Episode Music (Licensed): http://freemusicarchive.org/music/Podington_Bear/ Learn more about your ad choices. Visit megaphone.fm/adchoices
Today · 4 min
Bagel Buddies Trailer (April Fools Video)
Very 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
Today · 30 min
Investment Analyst Reacts to Finance TikToks - Prediction Markets and More
Get your free trial with Blinkist (today's sponsor) and save an additional 30%. Go to http://blinkist.com/bagel. My name is 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. 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
Today · 14 min
5 Investment Jobs Explained (and what they pay)
The 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. Correction: CFP stands for Certified Financial Planner, not Chartered. It can be confusing trying to understand the jobs that exist within the world of investments, so today I wanted to cover 5 common positions and discuss the tasks they entail, their pros and cons, and the average salary for those working in those positions. Jobs Discussed: Investment Bankers, Analysts, Traders, Advisors, and Portfolio Managers 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-music 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
Today · 20 min
The Bitcoin Treasury "Infinite Money Glitch"
Richard does not hold a position in MSTR or any other bitcoin treasury companies. Bitcoin treasuries have become a popular strategy for companies thanks to Michael Saylor and his firm Strategy (formerly MicroStrategy). Let's dive into how this idea has taken off, and what it means for bitcoin. 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
Today · 9 min
What do Rising Interest Rates Mean?
Interest rates are on the rise in both Canada and the U.S., what does this mean for consumers and investors? Find out with today's episode! Intro/Outro Music: https://www.bensound.com/royalty-free-music Episode Music: http://freemusicarchive.org/music/Podington_Bear/ Learn more about your ad choices. Visit megaphone.fm/adchoices
Today · 18 min
No Deal For Canada - Now What?
00:00 - Intro 02:22 - Recap 04:47 - The Latest Tariff Update 05:47 - The CUSMA Exemption 08:04 - Effective Tariff Rates 08:58 - The (Still) Negative Impact of Tariffs 10:34 - Where Canada Goes From Here 12:40 - Conclusion On Thursday we got the news that Canada would be seeing its tariff rate increase to 35% after failing to reach a new agreement with the US. Today we'll discuss what it means for Canada's economy, and why the tariff rates ACTUALLY being paid are far from this amount. 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
Today · 11 min
Managed Solutions | ETFs and Robo Advisors
The Plain Bagel Episode VI Managed solutions can come with pretty high fees, which has led to the development of low cost investment vehicle alternatives. In this video, we discuss the popular Exchange-Traded Fund (ETF) as well as the topical Robo-Advisor. Intro/Outro Music: https://www.bensound.com/royalty-free-music Episode Music (Licensed): http://freemusicarchive.org/music/Podington_Bear/ Sources: https://www.ific.ca/en/info/stats-and-facts/ https://www.investopedia.com/terms/r/roboadvisor-roboadviser.asp Learn more about your ad choices. Visit megaphone.fm/adchoices
Today · 15 min
Before You Buy a Weed Stock - The Problems With Marijuana Companies
Before you buy a weed stock, 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 marijuana stocks. Other concerns: -Some marijuana companies have been issuing shares at a rapid pace, increasing the risk of dilution for current shareholders. -Companies acquiring their competitors face a lot of execution risk as they integrate their targets. Plants may need to shut down, employees may need to retrain, and systems may need to be updated. Any problems along the way could impact the benefit these acquisitions provide the firm. -If provinces adopt a government-backed outlet system for selling marijuana similar to alcohol, marijuana companies could face price pressure. The outlets would have significant buying power, allowing them to demand discounts on bulk orders. -As many of these companies are only a few years old, their accounting statements and disclosures are not of the same level of quality as more established firms. This means less information for investors looking to own the company. - The barriers to producing marijuana are likely to fall over time. This will open the door to competitors, including large pharma companies. If a international pharmaceutical company were to open a medical marijuana operation, startups would have a hard time matching their capital commitments. DISCLAIMER: 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 does not have a personal position in any of the companies mentioned. 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
Today · 26 min
Investment Analyst Explains: Dumb Money
Take advantage of Blinkist's (today's sponsor) big promo of 7-days free PLUS a special discount of 60% on the Blinkist Annual premium valid only until November 21st: https://bit.ly/ThePlainBagelBlinkist Short Selling Explained: https://www.youtube.com/watch?v=CAs_aX95tVQ Today we dive into (and critique) Dumb Money, a movie that recounts the wild stock rally of GameStop. If you'd like to support the channel, you can do so at https://www.patreon.com/ThePlainBagel :) 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). Learn more about your ad choices. Visit megaphone.fm/adchoices
Today · 8 min
Plain Bagel QandA 2 | Income and Wolf Mugs
The Plain Bagel Q&A 2 Question topics: The time it takes to invest, how to buy investments, gambling, income vs revenue, renting vs buying real estate *I apologize for the color issues with the video – we had technical lighting difficulties while filming* Episode 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=USUAN1100671 Artist: http://incompetech.com/ Learn more about your ad choices. Visit megaphone.fm/adchoices
Today · 23 min
Investment Analyst Reacts to Finance TikToks - Part 7
Diving 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
Today · 23 min
The Canada-China Trade Deal
👉 To learn for free on Brilliant, go to https://brilliant.org/theplainbagel, scan the QR code onscreen. Brilliant’s also given our viewers 20% off an annual Premium subscription, which gives you unlimited daily access to everything on Brilliant. 00:00 - Intro 03:15 - Canada and China Background 06:48 - The Trade Deal 08:58 - Other Agreements 10:24 - Why China? 13:15 - Controversy 14:50 - Final Thoughts 17:38 - Conclusion Last week, we saw Canada and China enter a new trade deal, thawing what's been a icy relationship between the two countries. Today we'll cover what's in the deal, and what it means for Canada and its relationship with the US for trade. 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
Today · 18 min
Why Markets Care About Oil (And Why Low Prices Could Be a Problem)
The first 1000 people who click the link will get 2 free months of Skillshare Premium: https://skl.sh/theplainbagel7 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-music Oil doesn't get a love of love, and rightfully so, but for the markets they are an incredibly important resource. In today's video, we explain why investors care about the price of oil and how low prices could actually be a bad thing. This video was sponsored by Skillshare 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
Today · 13 min
Is a Bear Market Coming?
This 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-music 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
Today · 24 min
What A Year...
👉 To learn for free on Brilliant, go to https://brilliant.org/theplainbagel, scan the QR code onscreen. Brilliant’s also given our viewers 20% off an annual Premium subscription, which gives you unlimited daily access to everything on Brilliant. 2025 has been a crazy year - let's unwind with the annual finance rewind and review what these past 12 months meant for markets and the world 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 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

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