Michael Ferrante
Concordia University (JMSB)
Finance
​Age: 21

July 07, 2018
Connect with Michael on Linkedin ​​
When did you start investing/learning about investing?
December 20, 2015. I opened my TFSA direct investment account the day I turned 18 and began investing almost immediately. 

Why did you choose to start investing now?
Compounding! As a young investor, I understand that I have the advantage of time and can generate a large amount of growth simply by reinvesting my earnings over time. Furthermore, with years ahead of me, I can afford to take on a larger amount of risk today. I believe this time is essential to my growth as an investor as I can afford to make mistakes now and learn from them. ​
Investing Background/Style:
I consider myself an active investor. I place larger sums of my capital in highly diversified assets such as ETFs and mutual funds. I also buy and trade equities and almost all my investments are made through a TFSA direct investment account.
The majority of the investments I've made have been in stocks. I mostly search for stocks that I feel are undervalued or part of a speculative/trendy market. Mid - large cap companies that participate in growing industries have always been part of my portfolio. They tend to provide decent returns for less risk compared to small cap companies if you can identify the right companies at the right time. My recent focus was on the gaming industry due to its ever increasing interest with millennials and generation Z and its huge viewing potential which has been proven with the success of streaming platforms such as Twitch. Though in the past year, I've paid much attention to small cap stocks as they've rewarded me with higher returns in shorter periods. My focus with small cap stocks has mostly been on speculative industries such as marijuana, lithium, cobalt and technology. Normally, I don't feel confident investing in companies without proven financials although, I've quickly realized that gaining on small cap stocks is more of a matter of timing. Therefore, I like to look for stocks nearing their previous support levels.

Recently, the uncertainty in the market has also allowed me to trade ETFs that hold financial instruments that correspond to the return on the S&P 500 VIX index (Tickers: HVU and HUV). These assets are extremely volatile but have allowed me to profit on days when the markets were down.  

Advice to New Investors​​
Start today! Don't feel intimidated. Whether you are a new investor, or Warren Buffet himself, you will always make mistakes. However, the best way to learn is to do it yourself and learn from the mistakes you make. Before investing your capital, always do your research on the asset you wish to invest in. Always consider the risk involved in your investments. For example: if you wish to invest in equities, only invest an amount that you are willing to lose 100% of. However, don't be scared of risk. Riskier assets can present higher returns. As young investors with limited capital, we can afford to take on more risk. Lastly, always keep yourself updated on market news. Whether you enjoy reading articles or listening to podcasts, understanding market fluctuations begins with understanding what drives these fluctuations. 
Fourth Floor Holdings
CEO: Nolan Maxwell McGuigan | CFO: Brendan John MacNeil
​​Year Founded: 2017

June 24, 2018

Twitter: @fourthcrypto
Instagram: @nolan.mcguigan / @brendanmacneil
Connect with Nolan on Linkedin
Connect with Brendan on Linkedin

​​
A message from the CEO, Nolan Maxwell McGuigan:

Nolan Maxwell McGuigan - Chief Executive Officer - I was born into a entrepreneurial family in Prince Edward Island, Canada. The characteristics of entrepreneurship were instilled in me throughout all my childhood. Especially the importance of investing. In opportunities, in others, and in yourself. At the age of 18, I launched my first business, “Iconic International Incorporated”, which distributed fashion accessories, through the use of creative media. The following year, I left Iconic to further my education by enrolling in Entrepreneurship & Innovation under the business administration umbrella at Acadia University. At Acadia I was introduced to my now business partner Brendan J. MacNeil and we immediately started working closely together on investing, trading, and mining digital currencies.

Brendan John MacNeil - Chief Financial Officer - Brendan was born in St. John, New Brunswick. As a young boy Brendan was a competitive athlete in ski racing, and sailing, and has transformed that competitive spirit into financial markets. Brendan’s first love of philosophy was prominent in the literature he studied, and the way he approached market mechanics. Brendan was first introduced to digital currencies at the age of 15. Brendan proceeded to deeply study the fundamental components of digital currencies, and the relation to financial markets. Brendan takes an extremely technical approach to his investing style, and day to day trading periods. In which he will touch on more in the “investing style” paragraph.

In the fall of 2016, we  first met in their university residence, Eaton house, where we both lived on the Fourth Floor. After beginning to get to know each other, we found similar interests in the pursuits of business, finance, and innovation and  begun our pursuits in the spring of 2017 with a mere $3500 USD investment, within a 9 months of operations, we had accumulated digital assets under management over $250,000 USD. By the end of fiscal, 2017, our portfolio had grew by 6342.57% 

Brendan and I then decided to leave school, and travel to Southeast Asia, where we spent 2 months between exploring Indonesia and working with business consultants in Singapore. Our goal is to establish a revolutionary financial brand that operates in a number of different sectors, not limited to the digital asset space where we’ve found our early success. We want to encourage young people to invest, to be entrepreneurs, and use creative pursuits to promote the amazing lifestyle, finance and business can create for the people of tomorrow. 

A message from the CFO, Brendan John MacNeil:
"I entered into investing with the aspiration of making a difference. I came through the door thinking this is where I had to be for it is the only way to change society beyond fathomable reach – the clearest path to the greatest amount of influence. I entered this arena with a mission, a purpose, a drive that would first let me die before I would accept defeat. Really that is where I believe I contrive the ability to succeed. The fact that I am not in it for the money - the short term material gains - but the aspirations that are leagues beyond reach, and an infallible belief that those I will someday be - are the seed that sprouted me. For me and many the key to longevity in investing, is success at all costs;
“We shall fight on the beaches, we shall fight on the landing grounds, we shall fight in the fields and in the streets, we shall fight in the hills; we shall never surrender” (Churchill)

This is what got me here. The irony is investing is so often perceived as easy, but really it is brutal battery. I am able to approach investing with this mindset because it is only and purely a means to an end. It is not a means to wealth, comfort, material success, public gratification, egoism or infatuation, but a means to help the world. To make the greatest possible benevolent influence with the tools, ideas and dreams I have been given. 

I believe this is crucial to not self implode in this industry – to have a purpose, a reason that allows you to remove yourself from being consumed by the short term fluctuations and inhibitions. Financial markets are more often than not a fire in a madhouse. Being able to have my sights set on something external of this has greatly assisted me in more objectively navigating it.

Where I find my calling in investing, and I believe many may, is in understanding why society is going the way it is and anticipating that flowing. Investing is simply an opportunity to benefit off of each path we collectively venture down, be it cellphones, soda, cigarettes or clothing. I live my life questioning, endlessly examining, why is it this way? What got us here and will it stay? Has this always been the case or will something come disrupt this pace? The ability to trade shares in companies or currencies of countries isn’t about making money, its about hedging your beliefs, saying “I think this company is going to gain market share because it is doing xyz, and public interest is showing a tendency towards xyz and there is a coming shift into this”. I don’t see investing as being the stigmatized trader hollering across the trading pit or the suit huddled around 12 different computer screens, its sitting on top of the tallest building watching our lives scurrying around and wondering, always wondering, what we are doing and why, and if you can understand the why, you can anticipate what we will do next, always one step ahead, always analyzing and always anticipating.

This is the beauty of investing. Figuring out why we are who we are, what we do and how, when we do it and what causes it. Figure out this, and you’ve found the philosopher’s stone."
Guneet Maan
University of Waterloo
Honors Arts and Business
​Age: 19

June 11, 2018
Connect with Guneet on Linkedin ​​
When did you start investing/learning about investing?
I started learning about investing back in March, 2013 and started investing in December, 2017. 

Why did you choose to start investing now?
I chose to start investing now because my goal is to graduate debt-free from university.
Investing Background/Style:
My investing style is swing trading. I tend to get into crypto-coins that have news and rumors circulating around them, then I hold them for about a week or two and take my profits when the coin company releases news about a product and/or a partnership with a well known company.  

Advice to New Investors​​
My advise to young individuals who want to invest is to start investing as early as possible and don't be greedy. One major advantage to start investing early is that you learn your lessons a lot sooner than everyone and have time to revise your investing strategy. Also, never be greedy, when you see your investment make profit pull the profit out and diversify your portfolio with the newly gained capital. 
Stocks Club
Let's Stock About it.
​Founded: 2017

Date Published: March 3, 2018
A Message from Founder and President, Brendan Mick:
"Anyone can do it. All you need is the desire to make money. There are no strings attached. Do your homework and you'll find it's not that difficult."
http://www.stocksclub.ca/
Follow on LinkedIn
Like on FaceBook
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Background
We started this club to help others get into the best wealth creator out there, the stock market. After noticing there was a void of resources available to beginner investors to help them invest their money in the stock market, we decided to start a club which aims to fill that void.

We teach investors how to make smart investments. Many people throw their money into the market the same way they would play roulette at a casino. When they lose, they come to the conclusion that the stock market is just too risky and that they'll never win. We're here to make sure investors make the right choices. We answer your questions to make sure you know what you're investing in so your odds of winning are higher. We want to make you a wealthy, independent investor.

Xaiver Simon
Brock University
​​Honours Bachelors of Accounting, Co-op
​Age: 20

May 28, 2018
Connect with Xaiver on  LinkedIn
When did you start investing/learning about investing?
March, 2018

Why did you choose to start investing now?
The cash I hold in my bank account which is not needed in the short term has potential to grow; therefore, letting it sit is a waste of potential.

Invesing Background​/Style
I mostly invest in ETFs as they are lower risk due to it’s diversification. I prefer a lower but almost guaranteed return rather than risking a loss. Playing safe is the way to go for me.

Advice to New Investors​​
Set your limitations early and hold true to that. As long as you know what is reasonable and you stay within those bounds, you have nothing to lose. Now is a time to learn and grow so I advocate for taking the time to invest early. Lastly, don’t be afraid to ask questions. This is exceptionally important; we all start somewhere, so don’t be afraid of not knowing.

Charles Ling
Concordia University
Building Engineering
​Age: 26

May 19, 2018
Connect with Charles on Linkedin ​​
When did you start investing/learning about investing?
June 2016

Why did you choose to start investing now?
I’d rather lose $10k now for making mistakes than losing $100k in the future for making the same mistakes, and knowing how to trade/invest is probably one of the best recession-proof job.
Investing Background/Style:
Stocks and cryptocurrencies are my current areas of focus and I don’t have a fixed investing style, but it has been a combination of swing trading and trend investing for the past year or so. Financial markets are fluid, my style is constantly changing in order to adapt to current market conditions.

I invest mostly in trending sectors because they tend to generate massive returns in short amount of time. Sectors like cobalt, lithium, blockchain, zinc and marijuana were doing extremely well in 2017 and I was rewarded handsomely for identifying the trends early. Contrary to most people’s belief, technical analysis is extremely helpful when it comes to identifying the trends, highs and lows of stocks. If you were able to buy when institutions buy (translation: early) and sell when novice retail traders are pushing the price to the peak, you’d make great returns while exposing to lower risk. In short, I am trading any security that moves until it’s no longer moving. 

Advice to New Investors​​
It’s probably not for everyone but ... 
1. Every young individual should trade stocks, 8% average annual return on long-term stocks is not much on a $5k account, but 50%+ return is.

2. Start now and go lose some money, if you’re ready to lose 80% of all your capitals and learn from all the losses, you should probably have a sense of what moves the market.

3. Learn technical analysis because yes, you can time the market.

4. Fundamentals are not everything! High valuation stocks can go higher, low valuation stocks can go lower, understand the affects of sentiment, news, rumours and momentum have on securities’ price.

5. Know how to combine fundamentals with technical analysis, stock market is pseudoscience, your options can be wrong, but the market is always right, do what makes money, not what you think makes money.

6. Understand risks, high-risk securities have high uncertainty and don’t necessarily generate high return, but if you were able to eliminate the uncertainties by finding the patterns, you’d have a chance to get rewarded handsomely.
Doug Conway
University of Ottawa
Bachelor of Commerce
​Age: 19

May 13, 2018
Connect with Doug on Linkedin ​​
When did you start investing/learning about investing?
September 2016
Why did you choose to start investing now?
Investing money is like growing plants, it takes time before you can have a lush garden. The benefits of taking control of your financial future now when your young, can reap exponential benefits over people who do not. I chose to start investing now to take control of my financial future and have a secondary source of income for life's expenses and retirement. 
Investing Background/Style:
I mainly invest my TFSA in US Oil commodity-based ETFs. The ETF I trade with is ticker: (UWT) and is a 3x leveraged ETF that is popular amongst millennials due to its high volatility exposure to the price of oil. As I am still young in my life, I can stomach a bit of risk and try and invest 10% of my savings in speculative positions that I believe have future value. As continuous research of financial markets can be very time consuming when I get too busy with other things, I like to park some capital in America's top 500 corporations ticker: (SPY) instead of having my money sit and incur laughable bank interest rates. 

Advice to New Investors​​
Only spend the interest, never the principal. Start now. 
Fahad Salman
University of Waterloo
Accounting and Financial Management
​Age: 19


April 29, 2018
Connect with Fahad on Linkedin ​​
Follow Fahad on Twitter:  https://twitter.com/ImFahadOk
When did you start investing/learning about investing?
Learning: January, 2017; Investing: February, 2018

Why did you choose to start investing now?
I chose to start investing now mainly because I want to get this experience under my belt and learn as much from it as possible.
Investing Background/Style:
I would say my investing style focuses primarily on growth stocks in small - mid cap companies.

The number one thing I make sure of before I invest money into a company is whether or not I believe it's a great business. What I mean by this is how well it can earn profits and compound those profits into more value for its shareholders. This in itself can be something that can take some time to judge since you need to take a look at multiple factors and even make projections. The next thing I check is what its valuation is compared to the rest of the market and its peer group. If I think it's at a decent valuation, and has room for multiple expansion after doing analysis on how good of a business it is, then I invest.

Advice to New Investors​​
My advice would be to first figure out why you're investing and how much risk you want to be exposed to. After figuring this out, you should decide on what kind of instruments you want to invest in. There are many different products you can invest with and you should choose whatever caters to your personal risk profile. There's no "one size fits all" approach.

Next, whatever you choose, you should learn about the different tools available to you in order to figure out which specific item you want to invest in. Investopedia is a great resource for this. For example, when investing in stocks, learning about different financial ratios really helps in analyzing corporate financial statements. Once you find something you like and believe in, you can put some money into it.

If you're mostly interested in the stock market and aren't too comfortable jumping right in, there are also multiple free simulators available to you. Do some analysis, invest using a simulator and test out your strategy. It's a great way to learn. 
Michael Sputore
Acadia University
Bachelor of Business Administration 
​Age: 19

April 21, 2018
Connect with Michael on Linkedin ​​
When did you start investing/learning about investing?
The day I turned 18, as of December 21, 2016. I had opened my first Tax Free Savings Account (TFSA).

Why did you choose to start investing now?
My dad had really pushed me to start watching the markets as many correlate with today's economy. I chose to start investing early as not only can this money not be spent sitting in a TFSA opposed to in a 
 debit account, but as many know the contribution yearly to such account is only $5,500 which is why it is important to start building it up as soon as possible. I also chose to start investing now as this is the field I have always wanted to strive in. Therefore, grasping any experience from investing can only help for future much bigger decisions.

Investing Background/Style:
I started out with an investing style of day trading: catching the daily low and selling for a couple points higher. However, very quickly I came to realize this was time consuming, stressful, and easy to be stuck in a position if the low was not actually the rock bottom low. I then started to hold positions. As for my investing style now, it deals with a lot more patience, catching one month lows of various stocks that have proven financials as well as previous track records, waiting out for weeks to possibly months until it reaches the previous support levels and begins to start new positive trend lines. I believe this is the proper way for anyone to start out, investing at a beginner level is much more beneficial and in-fact safer. I also believe investing in real slow growth stocks is more beneficial as you are more likely to make profits in the long run compared to high risk fluctuations in the short run.

Advice to New Investors​​
Begin to start at least contributing to some sort of investment account. As I had mentioned earlier there are set yearly contribution levels, by doing so it will be easier and faster to make more profits with a larger position down the road. For starters, watch the market for at least 1-2 months before making your initial move, see what drives a certain stock such as news, taxes, inflation, earnings and be sure to not over pay. Enter in a suitable price you believe in which there are available gains to come.
Logan Fraser
University of Waterloo
Accounting and Financial Management
​Age: 20

April 15, 2018
Connect with Logan on Linkedin ​​
When did you start investing/learning about investing?
November 2016.

Why did you choose to start investing now?
I wanted to grow my money faster than I could in a savings account.
Investing Background/Style:
I usually will look up a company's financial statements and try to understand the health of the company. I will then dig into the MDNA to figure out what they may be doing in the future to grow revenues. I enjoy investing in emerging companies and markets because I have a high tolerance for risk.

Advice to New Investors​​
​Practice makes perfect! I played hundreds of stock market simulators to try to get an understanding for how the markets work before I started putting my real money in.
Cooper R. Duncan
University of Guelph
Economics and Finance
​Age: 19

April 7, 2018
Connect with Braden on Linkedin
Follow Cooper on Twitter:  @coopduncan20
When did you start investing/learning about investing?
March 2017.

Why did you choose to start investing now?
I've always had a passion for the world of finance and entrepreneurship. I have several family members and close friends that are either self-employed or working in the financial sector. Entrepreneurship is a field that can be rather capital intensive, keeping this in mind I know I will need to raise a significant amount of capital before starting a new venture. I had access to a suitable amount of funds and wanted to put that capital to work, which has led me to where I am today.  
Investing Background/Style:
My investment philosophy has always been consistent with the metrics of value investing. One of the most influential investing book's I've read is "The Intelligent Investor" written by Benjamin Graham. I believe in investing in companies with solid fundamentals, that are gonna be able to produce consistent earning over a substantial period of time. Also, I look for companies that have aspects that correspond with societal trends, which will lead to significant future growth. 

Advice to New Investors:
Before I opened my own account, I accumulated all the knowledge I possibly could. I used outlets like stock market simulators, books, online journals, etc. Additionally, don't be afraid to reach out to others who are experienced in the investment industry. You'd be very surprised to see how enthusiastic/responsive people can be when you ask them questions regarding their investment experience. 
Parbir Deol
University of Waterloo
Accounting and Financial Management
​Age: 18

March 31, 2018
Connect with Parbir on Linkedin ​​
When did you start investing/learning about investing?
April, 2017 (Grade 12 Economics class)

Why did you choose to start investing now?
I'm young and I have a safety net. I'm only 18 and I'm at a point in life where I still have my parents to cover for me (just in case, of course). That means that I can take risks. This is the perfect age to make mistakes, both in investing and in life in general (that's not to say that 
it's not okay to make mistakes when you're older, as it's always okay to make mistakes). I think this is the age when everyone should start gaining some knowledge about investing, as it's something that you'll need throughout your life. It'll be useful for my retirement and everything after that. So I asked myself why not start investing now, when I can lose money and it will literally have no impact on my life because my parents are right here?
Investing Background/Style:
At this point, I only really invest in stocks. I'm not big on mutual funds and things like that for two reasons: (1) I'm young and I can go for the riskier investment, and (2) I'm not too knowledgeable about mutual funds (for now). I don't really have a style of investing in stocks, however, I know it's a long-term game. I invest in companies that I personally believe in, but that being said, I also look at a potential investment logically. Is the company making money? If not, can it make money in the future? I also look at the history of the company, do they have a good track record? If I believe that the company has big upside for the future, I'll invest in it. A couple examples are Canopy Growth Co. (TSE: WEED) and Ali Baba (NASDAQ: BABA). Weed is being legalized in July, so obviously there's going to be hype about all the companies that sell weed, so it's bound to go up. As for Ali Baba, it's up and coming, and I love Jack Ma.

Advice to New Investors​​
3 big things:

1. Be willing to to lose everything you invest. You really have no idea what's going to happen in the market, no one really does. For all you know, a stock you're investing in could drop to $0. This is why you have to be willing to lose it all, specifically for the stock market, because you never know what might happen. You never know when the market might crash. If I lost everything in my portfolio, I'd be okay right now. Sure I'd be upset, but I know financially I'd be stable because I have my parents. I also have co-op coming up, so I can make-up for what I lose. That being said, obviously, the goal is to make money, not lose money. Just keep in mind that you should only invest an amount that you're willing to completely lose.

2. Long-term, not short-term. The stock market is a long-term game, not a short-term one. You usually don't invest in a stock thinking you're going to sell it a few days or weeks later when it goes up. That's called "timing the market." Don't time the market. In the short-term, the market is extremely volatile. Take the end of January and beginning of February as an example. It was the worst week in the market since the last two years. Invest in a company that you think has good long-term potential because in the short-term, anything can happen.

3. Don't panic. If your stock falls one day, it doesn't mean the world's over and it doesn't mean your investment is doomed. In late January and early February, every stock fell, not just mine. I didn't stress because I knew why the market fell and I knew the market would rebound. Like I said, the market is volatile in the short-term, so if your stock falls one day it doesn't necessarily mean you should sell. That being said, keep up-to-date on general business news (I like Bloomberg) and news about your investments. If something specific to your investments happens, then it might be a good time to sell/buy. Don't wait too long though. If the price is up, don't get greedy and say that you're going to wait. Unless you're truly confident that something will happen to take the price higher, just sell it and be happy with what you made. If the price is down, sell it if you think that the company is doomed and is going to keep crashing. However, if you still believe in the company, then it may be smart to hold on or even buy more. Always be aware, though, that you don't know everything and you could very well be wrong.

I know that wasn't really 3 things, it was more like a bunch, but that's my general mindset!
Braden Dennis
University of Guelph
Environmental Engineeing
​Age: 22

March 24, 2018
Connect with Braden on Linkedin
See Braden's website here: https://www.stratosphereinvesting.com/
When did you start investing/learning about investing?
May 2015.

Why did you choose to start investing now?
As any young investor, time is on on my side. It is not about timing the market, but rather time in the market.

Investing Background/Style:
As an engineer, I gravitated towards the mathematics behind great businesses trading in financial markets. However, I was lacking the experience navigating my way around the three financial statements. 
I began obsessively researching by and reading about the greatest investors and fund managers in history.
If you research hard enough and use tools available, you can find businesses trading at attractive valuations, upward top line revenue growth (I favour over earnings growth) and dividend income yield.

Over my years in the market I began to try to help as many people as possible. I started Stratosphere Investing at https://www.stratosphereinvesting.com/ where I host a podcast with guest investors from across the globe. Additionally, I provide actionable blog content to help investors get familiar with things like screening tools, valuation ratios and how to select the best self-directed brokerage.​​ ​​

Advice to New Investors:
It is important that prudent investors operate with a margin of safety and minimize downside risk. Losing principal will diminish returns and require significant upside to recover. I cannot stress this importance.

I will explain why with numbers how downside risk works:
  • If you were to make an 100% return this year on $10,000 = $20,000
  • If you were to now lose 50% next year on the now $20,000 = $10,000

Your average return over 2 years? 25% Woah! But, not so fast, you still have 10K. What this means is that proper valuation is important. You would not pay a steep price for Joe's Hot Dogs across the street if Joe didn't turn a profit. Why would you in the stock market?

For anyone starting out, I have provided the best self directed brokerages for Canadians at https://www.stratosphereinvesting.com/blog-2/choosing-the-best-online-brokerage-account-for-a-tfsa.

Start with opening a TFSA, an incredible tax deferred investment account ideal for equities. Try out these index ETFS: VUN, XEF, VCN, VEE. Test out the market and see how your temperament holds out so that you can understand yourself as an investor. I have explained these funds at https://www.stratosphereinvesting.com/blog-2/3-simple-steps-to-canadian-index-investing.
Anthony DeMatteis
York University
Schulich School of Business
​Age: 18

March 18, 2018
Connect with Anthony on Linkedin
Follow Anthony on Instagram: @Anthdematteis
When did you start investing/learning about investing?
January 2015.

Why did you choose to start investing now?
Anthony chose to start investing the minute he turned 18, as that is the legal age to open a brokerage account. He cares about saving up for his future and investing in his future education at the Schulich School of Business.
Investing Background/Style:
Anthony likes to invest in profitable and undervalued companies. Recently, he decided to test his waters with the medical marijuana industry as it will soon become legal in Canada come July 2018. He sees lots of potential with some companies in the industry and hope to profit off them.

Advice to New Investors​​
For young and future potential investors looking to make money, it is important to keep all emotions aside and look at the overall value of a company. There will be days where your company falls a couple percent - it is not a valid reason to sell. If you truly believe the company has potential and is undervalued, it will eventually go back up. Patience is key. Be willing to wait multiple years to make a decent return on your investment. 
Roy Wang
University of Waterloo
Accounting and Financial Management
​Age: 18

March 10, 2018
Connect with Roy on Linkedin
Follow Roy on Instagram: @finance_wang
When did you start investing/learning about investing?
Being taught since I was a kid; started investing in June 2015; portfolio constructed by February 2016. 

Why did you choose to start investing now?
For the past a year and so, despite criticism towards the Trump administration, the market has performed rather well. The return for passively investing is more than 30% in 2017. We also see healthy inflation and unemployment data too. In general the macro economic outlook is very positive for incoming investors. On the other hand, the tech industry is having dramatic changes and many people call industry 4.0. 
In the short term, upon the entry to capital market, you are likely to see some significant capital gain in short period. However, the next few years will be very interesting and incoming investors can learn a lot because many big events will happen: the rise and fall of crypto currency; the effect of US tax cut; how automation will do to labour force as well as profit margin; how environmentalism will influence financial decisions and maybe a chance to see a recession (or even stagflation!). The upcoming years are a value pack of what capital market is and how it functions. If you get through this period of dramatic changes, the coming years will be less difficult to make your own decision. 

Investing Background/Style:
My investing style is heavily influenced by my father since he taught me most of the necessary techniques and analysis. In general I'm a moderately aggressive investor. Cash and other assets weights around 8%, 12% on fixed income, 5% on estate and collective items; 50% on regular stocks, and 25% on derivatives. I construct my portfolio with diversity and spread of risk in mind. Many holdings are in Japan, EU as well as China (Please note that I use specialized portfolio management software that my father use and I apologize that I cannot provide further details).

It began as sort of an assignment from my father to test my knowledge level after helping him out for many things he does for the summer. He ended up liking the selections a lot and put some capital in them, and then encouraged me to further polish the selection and weighting by providing some incentives. I take this opportunity as a way to start my professional experience early, hopefully someday surpass my father. 

Advice to New Investors:
First, do not go in because someone is making money, because you are already late and profits are likely to be less than what you expected. Those securities will likely to be overpriced, overhyped and high risk.

Start small. Do not let investing stretch your living budget. If you do not have enough capital or too scared, try simulators first! They are very good resources to practice. You can save up while practicing too.

No derivatives unless you know exactly what to do. Derivatives like futures and options are volatile, even the most experienced industry leaders will lose often. Do more research on the fundamentals and basic strategies before you touch it.

Be prepared to take loss in short term. Things don't work out immediately sometimes. Have faith in your own decisions, adjust it if its making long term loss.

DO NOT BRAG. It makes you a jerk and you will also lose sight on exactly how's your portfolio doing today and in the future. 
Brendan Mick
University of Waterloo
Math/CPA
​Age: 19

February 24, 2018
Connect with Brendan on Linkedin
S ee Brendan's website here:  https://stocksclub.ca
Like Brendan's FaceBook page here:  https://www.facebook.com/stocksclubcanada/
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When did you start investing/learning about investing?
October, 2014.

Why did you choose to start investing now?
Investing at a young age gives you a huge advantage in the long run. By the time your friends start investing, you'll already have years of knowledge, experience and compound interest under your belt. The younger you start, the better your chances are of being wealthy.

Investing Background/Style:
I am a huge fan of the stock market. I like looking for stocks with a great "story" to tell. For example, more and more millennials are taking cruises because they love the experience, thus you can expect the stock of RCL to ride the wave higher. I also like to take a look at stocks with a smaller market capitalization because you'll rarely hear their name in the news if they do poorly. However, they'll definitely make headlines if they do well. The risk-reward tradeoff is usually in your favour if you do your research.

Advice to New Investors:
The first step to wealth is saving. You can't make interest on your money if you have none to start. Once you have enough saved, believe in yourself. Do your research, ask questions, but don't ever let anyone tell you that you're better off in a mutual fund or that you need someone to manage your money because you don't know what you're doing.
Shady Sedrak
McMaster University
Honours BComm
​Age: 19

February 17, 2018
Connect with Shady on Linkedin
When did you start investing/learning about investing?
October, 2016.

Why did you choose to start investing now?
Future riches.

Investing Background/Style:
Medium risk investments with high potential and good management.

Advice to New Investors:
Do your research beforehand, and invest in companies you have a passion for.
I look at investing as a hobby to me. I use money that is sitting in my bank account, depreciating each year because of inflation and place it in investments with high potential. I started investing my money at the age of 18, specifically October 2016, so I am fairly new to the process. However, I started learning about investing and using many different online simulations at a younger age. I learned that I should only invest money that will not bring any hardship or stress to me if lost, and to constantly do research on the companies I am invested in.  

I like to invest in new industries that I believe to eventually be a big part of society. My very first investment was in the marijuana sector, a high-risk industry that hasn’t been completely established thus far, but with high potential due to the approaching legalization. This high potential was reflected in the quick rise in prices of marijuana stocks in the past year of 200%+. However, I do not look at these stocks as a long-term investment for myself because of its high-risk nature and the many regulation that might surround it. Therefore, I see it as a year in year out investment until these companies start establishing their share in the market and prove to be profitable.

Another area I enjoy investing in, is Blockchain technology, an industry that has seen a high rise in interest in the past year. I am an investor in Ripple, Stellar, Ethereum Classic and Monero. These are crypto currencies similar to bitcoin that I have done research on and believe to have a big impact on our society one day. One big thing to look at when investing is good management. For a company to be profitable; make money and make you money, they have to be run by individuals that know what they are doing. A company’s ability to cut down costs and maximize profits is usually reflected in their stock price. In the end, you want to invest in companies that will be around 10-20 years from now.

I have lost and made money in the stock market, but the most important thing is to be patient and avoid impulse buying and selling. I have learned this the hard way. My final advice would be: to look for value stocks instead of chasing momentum.

Check out my Linkedin and contact me if you have any questions or would like to simply have some investment conversations.
Tomas Tabak
Wilfred Laurier University
Honours BBA
​Age: 19

February 10, 2018
Connect with Tomas on Linkedin
When did you start investing/learning about investing?
I started learning about investing this past fall in September. I decided to use my TFSA and learn the basics about investing. I learned by doing my own research online as well as from my finance class.

Why did you choose to start investing now?
I chose to start investing because I had a lot of money lying around that I didn’t know what to do with. I looked into it and realized that I had $11,000 of contribution room in my TFSA to invest without getting taxed so it was a no brainer for me.
Investing Background/Style:
My investing style is very speculative right now; I believe that this is the perfect time in my life to be highly speculative as I have the rest of my life to make back whatever money I do lose, and if I do realize a huge gain I have the rest of my life to compound interest on that. That being said I also hold a lot of safe, high dividend stocks to keep basically forever for residual income.

Advice to New Investors​​
The advice I would have for young individuals is to just do it. I think the hardest part for a lot of people is getting their feet in the water because it is intimidating. People just have to realize that inflation is eating away at their money if they don’t do anything with it, even if you don’t want to learn too much about investing you can look into mutual funds and bonds for safer and easier returns.

Charlie Birkett
University of Waterloo
Accounting and Financial Management
​Age: 19

February 03, 2018
Connect with Charlie on Linkedin
When did you start investing/learning about investing?
April 2016.

Why did you choose to start investing now?
I knew I was heading into a career path related to accounting/finance, so I thought by putting a little bit of money aside to invest in stocks would be a good way to start learning.

​​ Investing Background/Style:​​
At first I started investing mainly to learn. Now that my money has grown and I have a lot of finance knowledge from school, I take what I learn in the classroom and try and apply it to real life. All my investments are in stocks, and while I’m young I’m definitely willing to take on a fair amount of risk!

Advice to New Investors​​:
I would recommend putting some money aside (even a small amount of money will do!) to learn, even if you don’t know anything about finance/investing. While we’re young, I think no matter the result of your investment, if you learn something you’re a winner. Learning how to follow a company, as well as reading the relevant news to use when making investment decisions, and purchasing a stock through a broker is a huge investment in yourself and your future!
Braedan Pauley
University of Waterloo, Wilfred Laurier University
Math & BBA Double Degree
​Age: 19

January 27, 2018
Connect with Braedan on Linkedin
When did you start investing/learning about investing?
March 2014.

Why did you choose to start investing now?
To grow money.

Investing Background/Style:
Long term Value.

Advice to New Investors​​:
  • Start as soon as possible
  • Look for undervalued companies with good dividends
  • Read as much as possible.
Beshoi Eid
University of Waterloo
Accounting and Financial Management
​Age: 19

January 20, 2018
Connect with Beshoi on Linkedin
When did you start investing/learning about investing?
September 2016

Why did you choose to start investing now?
Because I was losing my money keeping it in the bank.

Investing Background/Style:
I find investments that are still small but growing and have great potential rather than merely following the hype.

Advice to New Investors​​:
There are many investment opportunities out there, people always think investing = stocks. There are many other investments out there such as crypto currency, real estate, startups, and the list keeps going. What matters most is that you are spending your money wisely rather than steadily losing its value by only holding it in the bank as a result of inflation.

A lot of people say, "I'd rather lose a little money than risk it all and lose it all." You don't have to be a risky person to invest. There are a lot of less risky opportunities out there, like mutual funds for example. Instead of risking it in one stock, you can put it in a fund that groups many different stocks from many different sectors. You won't get the same return but you sure will definitely make ten times more in two years than keeping it in the bank. Ultimately, whether you are risking it or not, the most important thing in my opinion, is to invest in things that are still small, nobody knows about them yet, but are growing and have great potential. Rather than following what most people do: "Invest in Tesla, invest in bitcoin", which don't get me wrong, were great investments a couple of years ago, invest in things that are small, where you can buy in large quantities, that you believe have a good potential. Those investments will make you 10 times the profit you would get from investing in whatever everyone else is investing in after it already grew, thinking it's still going to grow a lot more. It doesn't make you a good investor when all you are doing is just following the crowd.

A lot of us are just too lazy to do our due diligence and find where the great investment is. I also advise young individuals to start investing now when you are still young. Making mistakes now is a lot better than making them later, and investing your money is better than keeping it in a bank only for it to lose value. Even if you don't know anything about investing, neither did anybody else before they started. Start with a stock simulator, join investing competitions that allow you to learn from your mistakes before investing your real money. Check the news, get apps and follow them daily. Tthen start slowly putting your real money in and as you get more confident put more and more. Instead of waiting for people to make money off a stock and then investing in that stock when it's too late, DO YOUR OWN RESEARCH AND GET IN EARLY PEOPLE!

Daniel Ganev
Fortuna Consulting, University of Waterloo, Wilfred Laurier University
Math & BBA Double Degree
​Age: 18

January 13, 2018
Connect with Daniel on Linkedin
Visit Daniel's website:  http://fortunaconsulting.ca/
When I invest in companies, I like to think of the future. Before investing, I ask myself the following question: Which companies will be around in the future? I look for companies that are different in a way that the future will embrace. For example, one of my recent investments was in Tesla, as I predict that in the future, consumers will tend towards purchasing electric vehicles more so than gas ones.

Now, there are companies other than Tesla which make electric cars, however Tesla is the only company building a Gigafactory, which will allow them to get their costs far lower than competitors. They have also revealed that they are creating an electric truck, which I predict will sell like hot cakes when it hits the market.

Apart from Tesla, my other major investment is in Supreme Pharmaceuticals. Supreme is a company from Ontario that produces a large amount of high quality cannabis. Due to Supreme being a producer in a quickly growing industry, I predict that their stock will rise as the legalization of marijuana in Canada comes near.

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