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Could saving early give you more freedom to choose how you spend your time later in life? That's where Barista FIRE (Financial Independence Retire Early) comes in. Barista FIRE is a strategy in which you build enough savings early in life to reduce your working hours later, using part-time income to help cover your expenses. But having greater choice takes more than reaching a savings goal. In this episode, learn how a flexible plan can help manage market ups and downs, unexpected expenses, and lifestyle changes. Join Isabela Sagan, Manager, ETF Business Development, TD Asset Management Inc. (TDAM) and Benjamin Gossack, Managing Director, Portfolio Manager, TDAM as they break down Barista FIRE and explain how investment choices, diversification, and ETFs can fit into the plan. Highlights include: 01:52    How does Barista FIRE work? Barista FIRE means having enough savings to step away from full-time work while still earning some income from part-time work.05:24    How can ETFs fit into a Barista FIRE plan? ETFs can offer diversification across a mix of investments, giving investors options to consider based on their risk level and withdrawal needs.06:57    Can diversified ETFs provide a smoother investing experience?A diversified ETF may provide a smoother and potentially more predictable investing experience than holding only a handful of individual stocks, which can help when planning withdrawals from savings.11:26    Why does Barista FIRE need a margin of safety? A Barista FIRE plan needs a margin of safety because part-time work, health needs, family responsibilities and everyday costs can change unexpectedly.14:34    Why can saving early give you more choices? Saving earlier gives money more time to compound and can help build the financial flexibility to make more choices about work and life later.  For a full transcript in English and French, please visit the TD Asset Management Podcast page: https://www.td.com/ca/en/asset-management/insights/podcast Email any questions or ideas for future episodes to: [email protected] Please follow "TD Asset Management" on LinkedIn: https://ca.linkedin.com/showcase/tdassetmanagement/ Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Private markets are often viewed through the lens of returns, but risk, liquidity, and long-term value creation are equally important parts of the story. For investors, understanding how private assets are managed, valued, and integrated into a portfolio matters just as much as understanding the assets themselves. This episode explores: ·    How private markets have remained resilient through inflation, interest rate volatility, and geopolitical uncertainty ·    Why open-ended fund structures may better align with long-term investment horizons ·    How rising demand for office space, power generation, and digital connectivity is shaping opportunities in real estate and infrastructure As market conditions continue to change, what role can private markets play in a long-term portfolio?Hear Justin Flowerday, Senior Vice President and Chief Investment Officer, TD Asset Management Inc. (TDAM), and Colin Lynch, Head of Private Markets, TDAM as they discuss private market investing, liquidity, infrastructure, real estate, and the importance of investor alignment. 00:35    How private markets remained resilient during volatility05:05    Why open-ended fund structures matter08:28    The unexpected strength of retail and office real estate12:10    How infrastructure investing is evolving25:30    What investors should ask a private markets manager  For a full transcript in English and French, please visit the TD Asset Management Podcast page: https://www.td.com/ca/en/asset-management/insights/podcast Email any questions or ideas for future episodes to: [email protected] Please follow "TD Asset Management" on LinkedIn: https://ca.linkedin.com/showcase/tdassetmanagement/ Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

AI is changing how investment teams research, build, and manage portfolios, but human expertise remains a critical part of the investment process. In this episode, we explore: ·       How advances in AI and machine learning are accelerating quantitative research ·       Why implementing investment models requires significant data, infrastructure, and oversight ·       How market concentration is changing traditional benchmarks and shaping investor portfolio decisions As AI becomes more widely available, what will continue to separate investment managers from one another? Hear from Julien Palardy, Managing Director, Head of Quantitative Investing, TD Asset Management Inc. (TDAM), Laurie-Anne Davison, Managing Director, Head of Passive Investing, TDAM and Samuel Carriere, Vice President, Client Portfolio Management, TDAM as they discuss the growing role of AI in investing, evolving approaches to portfolio construction, and why human oversight remains essential in portfolio management. Highlights include 00:33    Why AI is not replacing investment teamsAI can automate parts of research and portfolio management workflows, but human expertise, accountability, and oversight remain essential.02:29    How AI is accelerating quantitative researchLarge language models are helping quantitative teams build tools, test ideas, process data, and develop models more efficiently than before.07:13    The rising concentration risk in benchmarksTechnology and semiconductor companies now represent a growing share of major indexes, increasing investors' exposure to a smaller group of stocks.15:20    Why investors are diversifying investment approachesMany investors are looking beyond a single investment style by combining fundamental, quantitative, and passive strategies within their portfolios.26:27    Why human oversight still matters in portfolio managementEven as investment processes become more automated, portfolio managers remain responsible for handling implementation challenges, managing operational complexity, and overseeing investment decisions.   For a full transcript in English and French, please visit the TD Asset Management Podcast page: https://www.td.com/ca/en/asset-management/insights/podcast Email any questions or ideas for future episodes to: [email protected] Please follow "TD Asset Management" on LinkedIn: https://ca.linkedin.com/showcase/tdassetmanagement/ Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

After a period of rising rates and market volatility, investors are asking whether the opportunity in fixed income has changed. In this episode, we explore:  Why bond yields are higher today  How investors can use corporate vs. government vs. target maturity bonds in a portfolio Where investors can find attractive risk-adjusted returns If today's yield environment persists, what could that mean for investors in the years ahead?  Join Benjamin Chim, Managing Director, Head of Credit, TD Asset Management Inc. (TDAM) and Sayada Nabi, Associate, Client Portfolio Management, TDAM as they discuss the changing fixed income landscape, the opportunities created by higher yields, and how investors can use different types of bonds to build portfolios in today's market.  Highlights include: 2:03  Why did stocks and bonds both fall in 2022?   Stocks and bonds both fell because rapid interest rate hikes pushed bond prices lower and increased concerns about economic growth. 7:31 Why do bonds look more attractive today?   Bonds offer higher starting yields today, providing investors with greater income and return potential than in 2022. 11:38 How can higher yields improve fixed income returns?   Higher yields can provide more income, help offset market volatility, and create opportunities for capital gains if rates decline. 14:16 How do corporate, government, and target maturity bonds compare? Government bonds focus on stability, corporate bonds offer additional yield, and target maturity bond ETFs combine diversification with a defined maturity date. 19:56 What are the benefits of a bond ladder?   A bond ladder can balance income, liquidity, and reinvestment risk by spreading investments across different maturity dates.   For a full transcript in English and French, please visit the TD Asset Management Podcast page: https://www.td.com/ca/en/asset-management/insights/podcast Email any questions or ideas for future episodes to: [email protected] Please follow "TD Asset Management" on LinkedIn: https://ca.linkedin.com/showcase/tdassetmanagement/ Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Dividend ETFs are a popular way to earn investment income, but a high yield does not always mean a better investment. This episode explains the difference between dividend income, distributions, yield, and total return, and why it is important to look at the companies inside an ETF. Investors who want income, growth, or both will learn how to compare dividend ETFs and understand the trade-offs between active and passive strategies. When you're choosing a dividend ETF, is the biggest payout really the most important thing to look for? Join Isabela Sagan, Manager, ETF Business Development, TD Asset Management Inc. (TDAM) and Linda Otamendi, Associate, Portfolio Research, TDAM as they unpack common questions about dividend ETFs and share insights to help investors better understand the role dividends can play in a portfolio. Highlights: What is dividend income? (1:12) Understanding distributions, yield, and total return (1:53) How to compare dividend ETF holdings (3:32) Choosing between active and passive dividend ETFs (5:52) Do younger investors need dividend income? (10:12) For a full transcript in English and French, please visit the TD Asset Management Podcast page: https://www.td.com/ca/en/asset-management/insights/podcast Email any questions or ideas for future episodes to: [email protected] Please follow "TD Asset Management" on LinkedIn: https://ca.linkedin.com/showcase/tdassetmanagement/ Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

AI has been one of the biggest drivers of market returns in recent years. But after a period of volatility, investors are asking what comes next. In this episode, we explore whether the AI story is changing, what earnings trends are revealing about the broader market, and whether growth is beginning to spread beyond a handful of stocks and sectors. If market leadership continues to expand, what could that mean for investors in the years ahead? Join Vitali Mossounov, Managing Director, Head of Public Equities, TD Asset Management Inc. (TDAM), Juliana Faircloth, Vice President & Director, Co-Head of Public Equity Research, TDAM and Tarik Aeta, Vice President & Director, Co-Head of Public Equity Research, TDAM. as they discuss the outlook for AI, the trends driving markets, and where the next wave of growth could emerge. Highlights include: 00:52 How research supports investment decisions 04:21 How investment ideas are found and evaluated   10:00 Is the AI investment boom still intact? 17:06 What is driving growth beyond AI?   22:07 Why market optimism may continue   For a full transcript in English and French, please visit the TD Asset Management Podcast page: https://www.td.com/ca/en/asset-management/insights/podcast Email any questions or ideas for future episodes to: [email protected] Please follow "TD Asset Management" on LinkedIn: https://ca.linkedin.com/showcase/tdassetmanagement/ Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Fixed income is back in focus. Rising rates could open new doors for investors' income, diversification, and portfolio construction. In this episode, listeners will learn: How today's bond market differs from the low-rate environment that followed the financial crisis Why active management is becoming more important What investors can learn from navigating market volatility As interest rates, credit markets, and market volatility continue to evolve, what role should fixed income play in a modern portfolio? Join Justin Flowerday, Senior Vice President and Chief Investment Officer, TD Asset Management Inc. (TDAM), and Jennifer Hartviksen, Managing Director, Head of Fixed Income, TDAM, as they discuss the experiences and investment principles that have shaped their approach to navigating markets. Highlights include: 05:30 Lessons from investing through market crises 10:43 Why strong investment teams matter 14:04 The role fixed income plays in a portfolio 19:49 Inflation, interest rates, and bond returns 22:51 Why active management matters in fixed income   For a full transcript in English and French, please visit the TD Asset Management Podcast page: https://www.td.com/ca/en/asset-management/insights/podcast Email any questions or ideas for future episodes to: [email protected] Please follow "TD Asset Management" on LinkedIn: https://ca.linkedin.com/showcase/tdassetmanagement/ Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Commodities are back in the spotlight and new data centers, expanding power grids, and manufacturing changes are driving explosive demand. However, years of underinvestment are making it hard to meet that increased consumer demand. With inflation, geopolitical tensions, and the growing demand for energy and raw materials adding to the mix, what questions should investors consider in today's market? In this episode, you'll hear what's driving markets such as copper, gold, oil, and agriculture, and why some investors are taking a fresh look at commodities for diversification and inflation protection. If demand keeps growing while supply remains constrained, what could that mean for portfolios in the years ahead? Join Hussein Allidina, Managing Director, Head of Commodities, TD Asset Management Inc. (TDAM), Humza Hussain, Vice President & Director, Commodities, TDAM, and Adam Grinbergs, Associate, Portfolio Research, TDAM as they examine the supply and demand forces shaping commodity markets and discuss the role they can play in portfolio diversification and inflation protection. Highlights include: 04:11 What commodities are and how investors gain exposure through futures markets 06:08 Why underinvestment, electrification, AI infrastructure, and reshoring are supporting commodity demand 11:03 Copper's supply challenge and why new production is taking longer to develop 16:00 The role commodities can play in diversification and inflation protection 23:19 Views on key commodity markets, including agriculture, natural gas, copper, gold, and oil       For a full transcript in English and French, please visit the TD Asset Management Podcast page: https://www.td.com/ca/en/asset-management/insights/podcast Email any questions or ideas for future episodes to: [email protected] Please follow "TD Asset Management" on LinkedIn: https://ca.linkedin.com/showcase/tdassetmanagement/ Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

This episode explores why higher yields, inflation-linked income, and a slowdown in new construction are reshaping the outlook for real estate in Canada and globally. Investors will gain a better understanding of how different property sectors fit into a portfolio and what current market conditions may mean for future returns. Could today's higher starting yields be setting the stage for a different real estate story than many investors expect? Join Jafer Naqvi and Andrew Croll as they explore the forces shaping real estate markets and discuss where investors may be finding opportunities today. Highlights: 03:05 Why real estate belongs in portfolios 06:17 Real estate yields are at their highest level in years 10:16 What's really happening across property sectors 16:04 What global markets may be telling us 20:19 Real Estate Investment Trusts (REITs), private real estate, and signs of recovery For a full transcript in English and French, please visit the TD Asset Management Podcast page: https://www.td.com/ca/en/asset-management/insights/podcast Email any questions or ideas for future episodes to: [email protected] Please follow "TD Asset Management" on LinkedIn: https://ca.linkedin.com/showcase/tdassetmanagement/ Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

High yield bonds can offer strong income, but they also come with risks that are often misunderstood. Think of them like lending to growing companies that pay you more to take on extra risk and where a bump in the road doesn’t always mean the journey is over. This episode breaks down what really drives returns, why defaults aren’t as scary as they sound, and how these bonds behave more like equities than traditional fixed income. With a clearer view of the trade‑offs and opportunities, could high yield be doing more heavy lifting in your portfolio than you think? Join Alex Gorewicz, Vice President & Director, Active Fixed Income Portfolio Management, TD Asset Management Inc. (TDAM) and Anthony Imbesi, Vice President & Director, Lead, High Yield, TDAM as they break down the role of high yield bonds, challenge common misconceptions, and explore how they can enhance income and diversification in a portfolio. Highlights include: 00:53 What high yield bonds are and how they differ from investment grade 04:06 Defaults explained and why they don’t always mean full loss 07:56 Why high yield is called the “equity of fixed income” 14:38 Comparing high yield to dividend stocks and other income strategies 19:55 High yield vs. private credit and key differences investors should know   For a full transcript in English and French, please visit the TD Asset Management Podcast page: https://www.td.com/ca/en/asset-management/insights/podcast Email any questions or ideas for future episodes to: [email protected] Please follow "TD Asset Management" on LinkedIn: https://ca.linkedin.com/showcase/tdassetmanagement/ Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Investor behaviour can shape returns as much as the investments themselves, especially during market swings. When markets drop, emotions like fear, recency bias, and social media noise can push investors into quick, costly decisions. In this episode, we explore three simple ways to manage those reactions before they turn into costly mistakes. What if staying invested was less about timing the market and more about managing yourself? Join Isabela Sagan, Manager, ETF Business Development, TD Asset Management Inc. (TDAM) and Trevor Cummings, Vice President & Director, Lead of ETF Distribution, TDAM as they share practical ideas to help bring more discipline to investing. Highlights include: 01:05 What does a money mindset have to do with investing? 02:16 Why do investors struggle with emotional discipline? 06:00 How the 24-hour rule can be used when investing in ETFs or stocks 09:03 How to balance social media validation and financial logic     For a full transcript in English and French, please visit the TD Asset Management Podcast page: https://www.td.com/ca/en/asset-management/insights/podcast Email any questions or ideas for future episodes to: [email protected] Please follow "TD Asset Management" on LinkedIn: https://ca.linkedin.com/showcase/tdassetmanagement/ Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Markets are moving higher even as headlines focus on risk and uncertainty. So why do asset prices keep climbing when so many investors expect the opposite? In this episode, you'll hear why markets may not be “getting it wrong,” with a closer look at earnings growth, strong cash flows, and largescale investment tied to AI. The broader picture highlights why fundamentals often carry more weight than nearterm concerns Join Benjamin Gossack and Damian Fernandes, Managing Directors and Portfolio Managers at TD Asset Management Inc., as they explore what’s driving global markets today. Highlights include:   01:30  Why markets can reach new highs during wars and major geopolitical shocks, and why fundamentals are often underestimated 05:40  How AIdriven capital spending is supporting earnings 09:45  How cashflow growth, rather than shortterm forecasts, supports longterm outperformance 17:54  When portfolios look diversified but still depend on the same market trend     For a full transcript in English and French, please visit the TD Asset Management Podcast page: https://www.td.com/ca/en/asset-management/insights/podcast Email any questions or ideas for future episodes to: [email protected] Please follow "TD Asset Management" on LinkedIn: https://ca.linkedin.com/showcase/tdassetmanagement/ Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

International ETFs are a simple way to invest in markets outside your home country. If you're trying to pick out an international ETF though, you'll notice it's not quite the same as planning your summer vacation. Should you invest in international, global, or emerging markets? Each option offers a different level of exposure to countries, regions and economies. In this episode, investors of all levels will learn how to use international ETFs to diversify their portfolio, reduce risk, and gain access to growth opportunities around the world. Join Isabela Sagan, Manager, ETF Business Development, TD Asset Management Inc. (TDAM) and Andres Rincon, Managing Director, ETF Sales & Strategy, TD Securities as they break down how international ETFs work, what to watch for when investing overseas and how to build a “passport portfolio”. Highlights include: 02:41 What is the difference between international markets, global markets, and emerging markets? 04:41 How do you invest in international ETFs? 10:15  What is home bias investing? 13:03  Should you use passive or active ETFs to get international exposure? 16:16  What are the pros and cons of international investing? For a full transcript in English and French, please visit the TD Asset Management Podcast page: https://www.td.com/ca/en/asset-management/insights/podcast Email any questions or ideas for future episodes to: [email protected] Please follow "TD Asset Management" on LinkedIn: https://ca.linkedin.com/showcase/tdassetmanagement/ Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Market volatility has picked up as oil prices and global headlines draw investor attention, raising questions about what truly drives market outcomes. For investors watching the market, this means looking beyond short‑term swings to what tends to matter most over time. That longer‑term view brings earnings and corporate adaptability into focus, and how markets often regain stability as early fears fade. While oil shocks and geopolitical developments form part of the backdrop, what does this environment really mean for Canada’s market outlook? Join Justin Flowerday, Managing Director, Head of Public Equities, TD Asset Management Inc. (TDAM), and Vitali Mossounov, Managing Director, Head of Fundamental Equity Research, TDAM, as they discuss how oil prices, market volatility and global headlines are shaping Canada’s market. Highlights include:     03:00 From strong early 2026 optimism to rising uncertainty 05:07 Putting oil shocks in historical context 08:05 Why earnings remain the key driver of market outcomes 15:41 Capital spending, margins, and where growth may come from next 33:21 The TD Wealth Asset Allocation Committee's outlook and positioning     For a full transcript in English and French, please visit the TD Asset Management Podcast page: https://www.td.com/ca/en/asset-management/insights/podcast Email any questions or ideas for future episodes to: [email protected] Please follow "TD Asset Management" on LinkedIn: https://ca.linkedin.com/showcase/tdassetmanagement/ Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Renewable energy infrastructure is increasingly shaped by necessity. Today, energy security, supply chain resiliency, and the need to futureproof infrastructure guide investment decisions. This asset class plays a central role in daily life by delivering reliable energy and essential services. As demand continues to grow, from households to data centres, renewable infrastructure is becoming more integral to how economies function.   Join Colin Lynch, Managing Director, Head of Private Markets, TD Asset Management Inc. (TDAM) and Danny Hong, Vice President & Director, Infrastructure, TDAM as they discuss how changing market forces are shaping renewable energy infrastructure and what this means for investors.  Highlights include:   00:40 What does today's infrastructure environment look like?   04:15 Why infrastructure returns depend on more than owning assets   05:40 How a solar platform scaled over time   07:30 How AI and data centres are driving new demand for renewable energy   09:40 Why infrastructure plays a key role in a diversified portfolio     For a full transcript in English and French, please visit the TD Asset Management Podcast page: https://www.td.com/ca/en/asset-management/insights/podcast Email any questions or ideas for future episodes to: [email protected] Please follow "TD Asset Management" on LinkedIn: https://ca.linkedin.com/showcase/tdassetmanagement/ Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.