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

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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.

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61 episodes
Updated Today

Episodes61

Newest first

Monday · 13 min
Taxes | Registered Accounts and Tax Efficiency
**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 IX Tax 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%94overview Sources: https://www.canada.ca/en/revenue-agency/services/tax/individuals/topics/tax-free-savings-account/contributions.html http://www.moneysense.ca/save/investing/rrsp/rrsp-contribution-limit/ https://www.taxtips.ca/taxrates/on.htm Intro/Outro Music: https://www.bensound.com/royalty-free-music Episode Music: http://freemusicarchive.org/music/Podington_Bear/
Monday · 12 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/
Monday · 23 min
The Problem With Robinhood’s Tokenized Stock Offering
Take your personal data back with Incogni! Use code BAGEL at the link below and get 60% off an annual plan: https://incogni.com/bagel NOTE: Richard does not hold any position (long or short) in Robinhood. Robinhood recently launched a new tokenized stock offering for private companies SpaceX and OpenAI...without the companies' approval. Today we dive into how the tokens work, the risks faced by investors, and implications for the broader finance industry. 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
Monday · 12 min
Stock Indices and Index Fund Investing
Index 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-music Episode 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.
Monday · 10 min
Plain Bagel QandA 6 | Duration, Convexity, and Craig's Filming for Free!
Topics addressed in today's video: - How Canada taxes short-term traders - How long synthetic stocks last - 2008 - Duration & convexity - The value of non-voting shares https://www.youtube.com/channel/UCoYDuEolAYsjQzzqe2dh1sg 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 DISCLAIMER: 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.
Monday · 12 min
The Fundamentals | Why is Investing Important?
The Plain Bagel Episode I Let's start from the beginning - what is investing? This video covers some basic concepts, and strives to argue why its important to learn more about investing. To skip over the basic concept's section, jump to 3:08. Intro/Outro Music: https://www.bensound.com/royalty-free-music Episode Music (Licensed): http://freemusicarchive.org/music/Podington_Bear/ Sources: https://www.canadianveterinarians.net/documents/canada-s-pet-wellness-report2011 http://www.broadbentinstitute.ca/canadians_approaching_retirement_with_totally_inadequate_savings_seniors_poverty_rates_increasing_new_study http://business.financialpost.com/personal-finance/managing-wealth/more-than-two-thirds-of-canadians-worry-a-lot-about-money-but-69-still-dont-have-a-plan http://www.inflation.eu/inflation-rates/canada/historic-inflation/cpi-inflation-canada.aspx
Monday · 12 min
Styles of Investing | Active, Passive, and More
The Plain Bagel Episode VII There are many different philosophies that investors follow when making investment decisions, some of which directly conflict with other schools of thought. In this video, we'll go over the Active vs Passive debate, as well as Fundamental, Technical, and Quantitative investing. Intro/Outro Music: https://www.bensound.com/royalty-free-music Episode Music (Licensed): http://freemusicarchive.org/music/Podington_Bear/ Drumming footage: http://www.freemediabank.com/rock-concert-free-hd-stock-footage/
Monday · 32 min
Investment Analyst Reacts to Finance TikToks - Naughty and Nice Edition
It's Christmas season, you know what that means - more financial TikToks. 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. Cover call video: https://youtu.be/R0JeJdiJc1A?si=WN-kRgKH0heQg3WE 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
Monday · 12 min
Investing | 5 Steps for Getting Started
The Plain Bagel Episode XII Now that you have a grasp on some basic investment concepts, it's time to start applying what we've learned. So here are my five steps for getting started! Budgeting Template: https://docs.google.com/spreadsheets/d/1T40vhaIQb7D71MVkGW0954Ky6salnwYZN8OkX8_AkB8/edit?usp=sharing * You won't be able to edit the original spreadsheet, so make sure to save it to your own Google Sheets account or download it as an excel. * Intro/Outro Music: https://www.bensound.com/royalty-free-music Episode Music: http://freemusicarchive.org/music/Podington_Bear/
Monday · 21 min
Trump's "Revenge Tax" On Investors Outside the US
00:00 - Intro 01:42 - What Section 899 Does 02:44 - Withholding Tax Basics 04:34 - Impacted Investments 06:37 - What Constitutes "Discriminatory Taxes” 10:21 - Implications for Foreign Countries 12:03 - Implications for the US 14:08 - What Investors Should Do Hidden in the US "Big Beautiful Bill" is a meaningful tax proposal (Section 899) that will have a meaningful impact on investors outside the US...and the US itself. We explain the change in today's video. 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
Monday · 24 min
Canada's Getting a Sovereign Wealth Fund
Prime Minister Mark Carney recently announced that Canada was getting a new sovereign wealth fund, and that individual Canadians will be able to invest in it. Today we'll dive into the details, and what it means for Canadians. 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.
Monday · 37 min
Prediction Markets Are Ruining the Finance Industry
2:36 - Prediction Market Background 9:38 - Prediction Market problems 17:02 - The Promotions 21:50 - The Gamblification of Everything 24:23 - Closing thoughts Let'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.
Monday · 25 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.
Monday · 27 min
The Bitcoin Treasury Reckoning - Why People Are Blaming JPMorgan
00:00 - Intro 03:50 - Why bitcoin’s price has fallen 05:27 - The decline of treasury companies 08:33 - Is Strategy about to collapse? 12:56 - The JPMorgan conspiracy 15:40 - Debunking the claims Richard does not hold a position in JPM, MSTR or any other bitcoin treasury companies. With bitcoin's price down, bitcoin treasury companies have been pummeled - now investors are blaming JP Morgan. Today we dive into what's happening. 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
Monday · 12 min
Cash Equivalents and Alternatives | Non Traditional Investments
The Plain Bagel Episode IV Cash Equivalents, along with stocks and bonds, belong to the Traditional Investment category, while the Alternative Investment category pretty much encompasses everything else. This video finishes our discussion of the primary investments by covering cash equivalents, real estate, commodities, and derivatives. Intro/Outro Music: https://www.bensound.com/royalty-free-music Episode Music (Licensed): http://freemusicarchive.org/music/Podington_Bear/ Sources: https://www.wealthdaily.com/articles/whats-10-times-bigger-than-the-global-economy/6241
Sunday · 21 min
Trump's Tariffs Deemed Illegal - What Now?
00:00 - Intro 01:36 - The Supreme Court Ruling 03:23 - What Tariffs Are Impacted? 05:02 - What About Refunds? 06:57 - The Implications 07:46 - Section 122 Tariffs 09:54 - Trump's Tariff Options 11:46 - Why the Update Still Matters The US Supreme Court has ruled that Trump's IEEPA tariffs are illegal - let's dive into what this means and how else Turmp may pursue tariffs. News Theme 1 by Audionautix is licensed under a Creative Commons Attribution 4.0 license. https://creativecommons.org/licenses/by/4.0/ Artist: http://audionautix.com/ 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.
Sunday · 24 min
The Venezuela Oil Grab - What it Means for Oil Markets (and Canada)
Last weekend, the US captured Venezuelan dictator Nicolas Maduro and made moves to secure the country's oil. Today we'll discuss the feasibility of building out Venezuela's oil industry, and the risk it poses to Canada as a key oil supplier to the US. 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.
Sunday · 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/
Sunday · 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/
Sunday · 12 min
The Grossman Stiglitz Paradox - Collaboration with Ben Felix
The 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-kp7QxA 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.