Exchange-traded fund

That's a remarkable result in your mid-30s.

We've also built what I'd consider a modest investment portfolio, consisting primarily of ETFs and managed funds, currently worth around $300,000, while continuing to contribute around $2,500 a month.

I've been investing since I was 18, says our questioner.

Sounds like a humble break so far.

And it behooves us to do that because it is so ingrained in the way that we sort of think about things.

And so that is the first thing I would sort of say, Anon, is just like when you say – I've become more conservative.

Does that mean you're pulling away from more volatile kind of assets or you're pulling away from, you know, the more moonshotty type investments? But given everything you've got is managed funds and ETFs, I don't know.

I feel as though it's about as low risk as you can possibly get.

the exact nature of the type of banking system that we're dealing with, a debt-based financial system.

Talking about even the silver ETFs, that's a fraction.

The fractional banking system that we're exposed to here in Canada with our deposits, it's also a fraction.

Using the collateral, what is relevant, what is being sort of made fun of or scoffed at or demonized, the main focus is on gold and silver.

And remember, this calculation was made when Bitcoin was practically worthless.

This is before Wall Street, before the Bitcoin ETFs, before the corporations started accumulating Bitcoin, before governments even understood what they were dealing with.

The math was there before the market.

Now let's bring that calculation into today's monetary reality.

1.

What are market-linked CDs? And how do they work? In this section, we'll also discuss the similarities and differences between market-linked CDs versus fixed indexed annuity spheres and structured protection ETFs.

2.

How attractive is the maximum return of 44.5% compared to similar products? As so often in life and money, it's not always that straightforward.

3.

Market-linked CDs are generally illiquid, meaning you will usually have to wait until the maturity date before you get any cashback on your investment.

The combination of these three elements makes market-linked CDs comparable to fixed indexed annuities and structured protection ETFs in terms of functionality, but there are some very important differences, which we'll dive deeper into later on in this video.

Market-linked CDs have been around since the late 1980s, longer than both spheres and structured protection ETFs, but they have remained more of a niche product, with an estimated outstanding volume of maybe 50 billion in total in the US.

they can change the rules because there's a rule when it comes to, I was listening, we were listening to a gentleman speak to the mayor.

They were talking about the same thing with ETFs, right? So the gold that's held in storage through tether is in a vault in Switzerland.

Okay.

First red flag.

it's

not happening.

Tether can change their, you know, they were talking about these ETFs and Tether kind of falls in the same range.

It's like, hey, if it wasn't working out, they decided to shut it all down.

So again, as we know, this is how we invest our own money.

Almost all of it is in some ETFs, some broad-based index funds.

And yeah, maybe you and I like to, I think you would agree, we have a few individual companies in our portfolios and we want to, you know, take a, you speculate on them as

I

You can buy individual stocks.

You can do options.

You can buy mutual funds, ETFs.

Your head might be spinning just listening to me right now.

They are gone from the ecosystem forever.

Right, the ETFs and all that.

The basic laws of economics dictate that the price is forced upward.

Supply and demand.

There are other investment vehicles outside of just your 401k.

You can have things just like a brokerage account where you can still invest in stocks and ETFs and mutual funds inside a brokerage account, but it has different tax implications than your 401k does.

Some people are familiar with Roth accounts, Roth 401ks, Roth IRAs.

Many more employers now are catching up to offer those types of vehicles.

It's actually even above $6.50 a pound right now.

And notably, again, while you have the stocks, so if we look at the junior ETFs there, the gold ETFs, so the GDXJ and the SILJ ETFs, they're now about to enter bear market territory for the year.

They're respectively down 16% and 18%, so kind of corresponding with the drop in the underlying metals.

But you have the COPJ ETF, so that's the Sprott Junior Copper Miners ETF, COPJ.