Rigden Financial - Layth Matthews

This is a good perspective on investing. Although, it's easier said than done!

Investment banker Byron Trott on how the wealthy view the stock market

Investment banker Byron Trott on how the wealthy view the stock market CNBC’s Robert Frank sits down in a rare and exclusive interview with two of the most well known and secretive bankers to the wealthy, Byron Trott and Gregg L...

I'm not certain this 16 min vision of the future of technology is entirely accurate. But I do believe individuals and organizations are more at risk from not investing in technology than investing in it. Ask me how to do this in ways that match your needs and goals.

The 5 Technologies That Will Change EVERYTHING by 2030 We’re entering a super-exponential growth era driven by five converging innovation platforms: Artificial Intelligence, Robotics, Energy Storage, DNA Sequenci...

Big cover story in "Barrons" about how Canada stocks may emerge stronger once tariff turmoil is digested. Especially because large portions of the economy - Banking and resources - are good inflation hedges. Bodes well for dividend growth elements of the Rigden model portfolio.

Canada’s Battle With Trump Could Boost Its Stocks. Where to Invest Now.:

Canada’s Battle With Trump Could Boost Its Stocks. Where to Invest Now. Canada’s stock market is looking attractive as a long-term bet, both on a reboot of Canada’s economy and growth of core industries like mining and energy, and its financial sector.

Understanding Taxes Payable at Death in Canada | Rigden Financial- Layth Matthews Understanding Taxes Payable at Death in Canada by Rigden Financial | May 31, 2025 | Blog, estate planning, financial advice, tax | 0 comments A common belief among Canadians is that they will be taxed on money they inherit. However, Canada does not impose an inheritance tax. Instead, after someone p...

This is a historical lense, but the results are too great to ignore. This also partially explains why people with a financial advisor tend to retire richer.

Charted: The Cost of Sitting Out the Market Learn how financial advice can help investors stay on track and avoid costly mistakes such as sitting out the market.

Fun and insightful article on intergenerational wealth atrophy and preservation.

Why wealth rarely survives grandchildren — and how your family can beat the odds:

Why wealth rarely survives grandchildren — and how your family can beat the odds 6 keys to avoiding the ‘Vanderbilt curse’ — making and losing a fortune in just three generations.

Complicated but interesting.

‘Bond king’ Jeffrey Gundlach predicts our next financial hangover — and it’s sobering:

Bond guru Jeff Gundlach predicts our next financial hangover — and it’s sobering Easy money was never meant to last forever. Expect a 4% return on cash, 5% on bonds and 6% from stocks.

American Expats planning to bring US assets over to Canada, let's talk!

Wonderful TEDx talk by Futurist Michael Nuschke about all the changes quickly coming our way. The finale really got me thinking,"we all need to learn Tai Chi and meditate!" Please enjoy this.

The Time of Your Life: How AI Will Give You More of It | Michael Nuschke | TEDxAjijic What if you won the "Time" lottery? Guess what...you just did. Artificial Intelligence (AI) will transform our lives, taking over the mundane tasks that we s...

In the financial world, usually we say, "Don't fight the Fed." This means if the Central Bank of the US or the Bank of Canada wants to raise or lower interest rates to fight inflation or recession respectively - adjust your expectations accordingly! Stocks were up in 2020 and down in 2022 because the Central Banks deliberately stepped into the economy.

There is another adage applied by currency traders, that advises, "always bet against the government." This means that when a government tries to prop up its currency artificially, the results are usually short-lived because global market forces are too big and relentless for any government to contravene for long.

In the context of the Trump Tariff regimen, both logics apply!

First, "Don't fight the FED." The impact the Trump tariffs on the US, Canadian, and most other economies will be negative. Central banks will likely lower rates to mitigate the effect - this will be good for bonds. There will be a short-term, one-time bump to inflation, but the net effect will be recessionary. This suggests strongly that Bond values will rise and mortgage rates will come down. Dividend paying stocks should hold up better than growth stocks in the short term. All stocks benefit from lower interest rates eventually.

Second, "Bet against the Government." International trade agreements have been constantly evaluated and updated by smart people and market forces from the beginning of time. There are a million reasons why trade agreements are where they are. To change them suddenly and bluntly is follie and I believe will not stand. The limited impacts of economic sanctions on other countries provides an example of how the global free market can adjust surprisingly fast. This suggests that the fall in stocks, all stocks, including US stocks, will likely be short lived and is probably a buying opportunity.

In summary, there is no better time to follow a balanced portfolio approach. Because your bond holdings will be going up a bit while stocks take a beating. The thing to do is rebalance your portfolio in the midst of turmoil to buy stocks low and sell bonds when they are high i.e. take advantage of the bargain prices. I believe variable rate mortgage holders will be getting steady relief too over the next 24 months.

The Rigden Model Portfolio is designed to take advantage of such times, by incorporating Bonds funds, Dividend funds, Hybrid funds, and an Index Fund, all of which automatically rebalance between the cyclically high assets and cyclically low prices. Year-to-date April 2, 2025 The technology fund is down -7.81% but the total portfolio is up +.44%! Will the total portfolio likely still go down under the circumstances? Probably. But not by much, and not for long!

Please click here to schedule an appointment. Let's discuss your particular financial options.

Layth Matthews, MBA, CIM

President, Rigden Financial Inc.

250-884-5125 Appointment Calendar

Rigden Financial offers commission based and now fee-based financial advisory services.