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Wealthica's Journey to $100BWe share everything on our journey to $100B aggregated net worth.

Oreoluwa Fakolujo

15 articles published

What Percentage of My Net Worth Should Be in Real Estate_

What Percentage of My Net Worth Should Be in Real Estate?

Some questions do not have a perfect answer, only an honest one that reflects reality as it unfolds. You won't find a single number carved in stone when it comes to how much of your net worth should be tied up in real estate. But you can discover a range, shaped by personal goals, life…

June 11, 20250Comments

ByOreoluwa Fakolujo

Asset-Based Mortgages vs Traditional Mortgages_ Which One Is Right for You_

Investing Help and How To

Asset-Based Mortgages vs Traditional Mortgages: Which One Is Right for You?

The road to homeownership can take a very different path depending on your financial situation. Some people have a steady job, predictable income, and clear pay stubs. Others might have considerable wealth tied up in stocks, real estate, or other non-traditional assets, but very little income showing on paper. Lenders once saw these people as…

June 11, 20250Comments

ByOreoluwa Fakolujo

Top-10-Recession-Resistant-Stocks-and-ETFs-Canadians-Should-Watch

Help and How To Investing

Top 10 Recession-Resistant Stocks and ETFs in Canada

The economy moves in cycles. Sometimes, growth feels unstoppable, and other times, it slows down. As an investor, knowing how to prepare for a recession is the key to navigating uncertain times. You don’t need to make risky bets or guess where the market is heading. You just need to know where to look. Some…

May 21, 20250Comments

ByOreoluwa Fakolujo

Cash vs. Equity Compensation_ Making the Right Choice for Your Financial Future

Help and How To

Cash vs. Equity Compensation: Making the Right Choice for Your Financial Future

Many employees are often faced with choosing between cash and equity compensation, leaving them in a dilemma of making the most critical financial decision in their career. Cash offers stability, immediate access to funds, and predictable earnings, making it the preferred option for those prioritizing financial security. Conversely, equity provides an opportunity to share in…

April 1, 20250Comments

ByOreoluwa Fakolujo

Leveraged ETF Bonds_ A Deep Dive into High-Risk, High-Reward Investing

Leveraged ETF Bonds: High-Risk, High-Reward Investing

Leveraged ETF bonds take bond investing to the next level by magnifying gains and losses through financial leverage. They can be a powerful tool for short-term traders but a dangerous trap for the unprepared. They don’t just follow the market. They push the limits, using borrowed capital and complex financial instruments to deliver twice or…

April 1, 20250Comments

ByOreoluwa Fakolujo

Help and How To

How to Use Pledged Asset Lines for liquidity

When you look at your investment portfolio like stocks, bonds, mutual funds, or cryptocurrency ETFs, it represents more than just numbers on a screen; it’s a testament to your financial discipline and planning. But what happens when life presents you with opportunities or expenses that require cash, and selling your investments feels counterproductive? This is…

December 31, 20240Comments

ByOreoluwa Fakolujo

Family Wealth Protection_ Safeguarding Your Legacy for Generations

Help and How To

Family Wealth Protection: Safeguarding Your Legacy for Generations

Consider building a life of hard work, smart decisions, and careful savings, only to see it unravel due to unforeseen events. From unexpected medical emergencies to legal disputes, life’s uncertainties can quickly jeopardize the financial security you’ve worked so hard to achieve. Family wealth protection is about more than just preserving assets; it’s about ensuring…

December 31, 20240Comments

ByOreoluwa Fakolujo

Taking Stock of Your Finances With Financial Inventory

Investing Help and How To Stock Tracking

Taking Stock of Your Finances With Financial Inventory

If you must take control of your finances, especially in a world where financial uncertainty often looms, conducting a financial inventory is one of the best ways to achieve this. It might sound complicated, but it's like spring cleaning for your finances. You sort, assess, and organize everything you own, owe, and plan to achieve…

December 31, 20240Comments

ByOreoluwa Fakolujo

Margin Loan and Mortgage_ Major Similarities and Differences

Margin Loan and Mortgage: Similarities and Differences

When you first consider the concepts of margin loan and mortgage, it might feel like you're meandering through a strange and confusing territory. Both are actually types of loans, but they serve distinct purposes and come with their risks and rewards. In Canada, it’s important to understand how these loans work, when to use…

October 26, 20240Comments

ByOreoluwa Fakolujo

Maximizing Wealth With Tactical Investing in Canada

Maximizing Wealth With Tactical Investing in Canada

As a smart investor, your goal is to make intelligent decisions that will grow your wealth over time. You may have heard terms like “buy and hold” or “long-term investing,” but another approach that may grab your attention is tactical investing. Unlike a traditional buy-and-hold strategy, tactical investing is a more hands-on approach, allowing you…

October 17, 20240Comments

ByOreoluwa Fakolujo

Understanding Capital Gains Tax in Canada

Understanding Capital Gains Tax in Canada

Understanding capital gains tax is essential for Canadian investors looking to maximize their returns while staying on the right side of the law. Whether you're selling stocks, real estate, or digital assets like cryptocurrency ETFs, capital gains tax significantly determines how much of your profit you'll keep. In Canada, the government taxes only a portion…

September 15, 20240Comments

ByOreoluwa Fakolujo

How Wealthica Can Help You Avoid Financial Mistakes

How Wealthica Can Help You Avoid Financial Mistakes

Managing personal finances can be overwhelming, especially when navigating Canada's unique financial landscape. Canadians face various financial challenges, from understanding the nuances of tax-advantaged accounts like RRSPs and TFSAs to keeping track of investments and debt. Wealthica becomes a powerful ally, helping you avoid common mistakes that could otherwise jeopardize your financial future. By providing…

September 1, 20240Comments

ByOreoluwa Fakolujo

Cryptocurrency ETFs_ A Comprehensive Guide for Investors In Canada

Cryptocurrency ETFs: The Canadian Investor’s Guide

The Canadian market has been at the forefront of the adoption of cryptocurrency ETFs. For instance, the Purpose Bitcoin ETF, launched in February 2021, made headlines as the world's first physically settled Bitcoin ETF. This product allows investors to buy shares that directly correspond to Bitcoin holdings, offering a straightforward way to gain exposure to…

August 20, 20240Comments

ByOreoluwa Fakolujo

Investment Strategies_ A Comprehensive Guide for Canadian Investors

Investing Help and How To

Investment Strategies: The Canadian Investor’s Guide

The quest for financial prosperity often leads investors to explore various investment strategies. Each strategy offers a distinct approach to navigating market complexities, balancing risk with potential returns, and achieving long-term goals. For Canadian investors, these strategies must be tailored to the unique dynamics of the Canadian market, considering factors like tax implications, economic conditions,…

August 3, 20240Comments

ByOreoluwa Fakolujo

making a financial budget

How to Make a Financial Budget

Creating a financial budget is like constructing a blueprint for your financial future, offering clarity, control, and confidence in managing your money. In Canada, budgeting becomes even more crucial as it helps navigate varying costs of living, unique tax implications, and regional economic factors. Whether you're saving for a home in bustling Toronto, planning for…

July 15, 20240Comments

ByOreoluwa Fakolujo