Author: Oskar Malone

When it comes to fruitful, long-term investing, it pays to be cool as a cucumber. Markets can be volatile and test our resolve, and our brains can work against us by allowing cognitive biases to drive poor investment decisions. What does this mean and how can we overcome it?

As an entrepreneur, economist and former professor at Western University’s Ivey Business School with a Ph.D. in behavioural finance and neuroeconomics, Amos Nadler knows first-hand how bias can impact investment returns. Early in his career he chose to sell a top performing stock — Nvidia (NASDAQ:NVDA) — and missed out on tens-of-thousands in capital gains.

“I needed some war stories. I needed to talk about gains and losses,” he recently told CNBC Make it. “I need to put my own money to play and experience these things, and take it out of the lab, take it out of the textbooks.” Nadler’s lesson should be used by any investor tempted by bias or emotion.

The biggest reason for investor mistakes

When Nadler was starting his teaching career, he wanted to gain some hands-on investment experience to share with his students. As a result, one of his earliest investments was stock in technology company Nvidia (NASDAQ:NVDA)— about USD$800 to USD$1,000 worth of stock. He paid approximately USD$0.48 per share.

After holding them for a period of time, Nadler noticed that the shares had earned a decent profit so he decided to sell a large chunk of his holdings. This was before 2014 and before Nvidia (NASDAQ:NVDA) would become a household name.

Nadler’s goal was to talk about his experience. Turns out the sale gave Nadler lots to talk about with his students — since it was a big mistake.

According to his trading brokerage, Nadler paid about USD$0.48 per share, factoring in the stock splits during the company’s history. Today, Nvidia (NASDAQ:NVDA) is currently trading close to USD$118.58 a share. The firm’s value increased by more than USD$2 trillion just last year.

If Nadler had held onto the stock, his gain would have been over 28,000%. The value of his holdings would have been “enough to buy a nice house somewhere,” according to Nadler.

Here’s the thing: Nadler sold the stock because he succumbed to a cognitive bias known as loss aversion. A cognitive bias is a consistent, repeated error in the way we process information and perceive reality. Loss aversion is a common cognitive bias that leads us to perceive losses as more significant than gains.

In investing, loss aversion can cause us to fear losing the gains of a winning bet in our portfolio. It’s what happened to Nadler when he chose to sell his Nvidia (NASDAQ:NVDA) stock. As he tells it, “What was going through my head was, ‘Hey, I’m new with this. I just made a significant profit in a very short amount of time. I want to lock it in because I’m feeling afraid it may drop again.’”

How loss aversion is driving your investment decisions

You can judge your own loss aversion by considering whether you’d rather have $100 or flip a coin to either gain $200 for heads or $0 for tails. Most people would prefer the certain $100 and value the potential “loss” of this as greater than the potential but uncertain gain of $200. Still not sure, consider the same coin toss scenario but with a payout of $500 or $1,000. The lower the sum you’re willing to accept, rather than risk for the 50/50 chance of getting more, illustrates how risk averse you are (both in coin tosses and investing).

So, how does loss aversion impact your investment decisions?

If you choose to cash-in on your gains, end up being too conservative in your portfolio construction, try to time your entry into the market or instinctively move to cash to avoid volatile markets than you’re operting from a loss aversion bias — and this can all hurt your overall portfolio performance.

Avoiding this cognitive bias means carefully evaluating any stock sale, especially if you plan to move to cash, and trying your best to remove emotion (such as fear) from the decision. For instance, if you’re planning to sell a stock because it’s had a strong run, but fundamentals suggest it’s still a solid investment, you may want to step back and evaluate whether you’re making a rational decision or your actions are being driven by fear.

Engaging with a financial adviser could potentially help you manage that fear by providing an arms-length assessment of your decisions. An adviser could also help you set realistic investment goals so you’re not relying on “bets,” while also helping you diversify your holdings to spread your risk and make individual risks within the portfolio feel less intimidating.

Increasingly, there are also technological tools available to help you remove emotion from investment decision-making. For instance, Nadler founded Prof of Wall Street, which provides software products that help investors use behavioural science to manage biases and improve investment decision-making.

Fear can be a powerful force. Identifying it and enlisting the help of a financial adviser or technological tool could help to take the cognitive bias out of investment decision-making and, hopefully, result in better returns.

Sources

1. CNBC Make It: I sold Nvidia—then it went up over 28,000%, says behavioral finance prof: I could’ve bought ‘a nice house somewhere’, by Ryan Ermey (Dec 12, 2024)

This article This finance prof bought Nvidia at USD$0.48/share — but he sold early and missed a life-changing gain of more than 30,000%. Here’s his big mistake and how to avoid it in 2025

This article provides information only and should not be construed as advice. It is provided without warranty of any kind.

Despite a positive outlook on the overall macroeconomic trends, many Canadian investors are concerned about the possibility of a recession in the next 12 months, according to the latest BMO investment survey. Additionally, with higher values on tax-free savings accounts (TFSA), many respondents reported seeking more financial advice.

"It was a good year for many investors with the two main asset classes, stocks and bonds both performing well in 2024, likely helping to increase account values for many Canadians," Brent Joyce, BMO Private Counsel’s chief investment strategist and managing director, said in a statement.

"While economic headwinds, including the prospect of tariffs may be a concern for Canadian households, we still see room for the major markets to continue making gains in 2025. For investors, it’s important to remember, the Canadian stock market is not the Canadian economy, and it is often the case that markets climb a wall of worry."

Almost half (48%) believe the economy will weaken over the next 12 months, while only 19% expect the economy to improve.

Canadians’ economic outlook

Elsewhere in the survey, a majority (63%) of respondents expressed concern about the potential for a recession in the next 12 months, while only 28% were not concerned about a deeper economic decline.

Rising prices and the cost of living continue to be top of mind for Canadians, with over two-thirds (67%) of Canadians indicating inflation is having a negative impact on their current financial situation. Canadians are also expressing concerns about rising prices in the future, with 61% saying inflation is currently high and they expect prices to continue to increase.

The survey quantifies how much extra Canadians are spending on basic living expenses due to inflationary forces, and found:

• 44% say they are spending an extra $100-$300 a month
• 38% say they are spending over $300 a month extra

"While the trade concerns are front and centre for many Canadians and should be taken seriously, global economic growth is expected to continue and we expect underlying Canadian economic growth to improve in 2025, barring serious and sustained tariff action," Robert Kavcic, senior economist, BMO capital markets, said in a statement.

"On the inflation front, recent data also indicates price growth has stabilized around the Bank of Canada’s target. Canadians can expect the Bank of Canada to continue to reduce interest rates modestly further in 2025."

The TFSA’s record highs

Canadians’ TFSA values are now sitting at just under $44,987, an increase of 8% over last year, according to the survey results. However, respondents also indicated they are planning to contribute an average of $6,499 to their TFSA this year, which is a slight drop from $6,606 last year and below the high-water mark of $7,434 set in 2022.

Boomers hold a significant lead over younger generations for their average TFSA account balance at $72,211. Gen X was $47,210, Millennials at $32,204 and Gen Z at $13,779.

As well, 56% of respondents say it is more important to seek professional financial advice during the current market conditions, while only 8% believe it is less important.

Almost nine-in-ten (89%) believe their advisor is helping them meet their financial goals, which is an increase of seven percentage points over last year’s survey.

Survey methodology

This study was conducted by Pollara with an online sample of 1,500 adult Canadians aged 18 years and older from Nov. 8 to 18, 2024.

Sources

1. BMO News Releases: BMO Investment Survey: Concerns About the Economy Emerge, Despite Rising TFSA Values (Jan 20, 2025)

This article Sound the alarm: Half of Canadian investors think economy will weaken over the next 12 months, recession looming

This article provides information only and should not be construed as advice. It is provided without warranty of any kind.

Three weeks into 2025 and the global economy stands at a precarious crossroads. Unpredictable US policy, escalating trade wars, combined with fears of a looming recession and the relentless pace of technological change mean that many corporate CEOs are in for a year of anxiety and uncertainty.

Insights from The Conference Board’s latest survey of over 1,700 executives — including more than 500 CEOs — paint a sobering picture of uncertainty and urgency, as corporate leaders prepare to navigate what many believe could be a make-or-break year for global markets.

Recession fears: A looming shadow that just won’t lift

While some corporate leaders are breathing a bit easier early into 2025, most are still anxiously awaiting how trade policy and government policy will impact global economic conditions.

As of January 2025, global recessionary fears eased slightly — down to 46% from 53% in 2024. This slightly rosier picture doesn’t mean CEOs can breathe easier. For nearly half of CEOs, the specter of a downturn continues to haunt their decision-making.

This lingering dread is especially acute in regions like Europe and North America, where economic turbulence has already taken its toll.

In Japan, however, a different challenge looms: labour shortages, which an overwhelming 66% of executives cite as their greatest concern.

These stark regional disparities highlight the fragility of an interconnected global economy teetering on the edge.

Trade wars: An escalating global threat

Adding fuel to the fire are intensifying trade tensions between global powers. For CEOs in the US, EU, and Asia, these disputes rank as the most pressing geopolitical risk of 2025.

Nearly 50% of business leaders in Asia and Europe anticipate severe operational disruptions as a result of these conflicts, while 34% of US-based executives share similar fears. As tariffs and protectionist policies spread like wildfire, CEOs are bracing for the fallout, grappling with questions of survival in an increasingly fragmented trading landscape.

Trump’s tariffs wreaking havoc worldwide

Turns out the economic battlefield of 2025 is marred by the lingering effects of protectionist policies — policies that were first set in motion with, then, President-elect Donald Trump promising a return to “Trump tariffs." Initially these tariffs were meant to pressure China while protecting American industries; however, the aggressive nature means escalating trade wars are now a defining feature of global trade dynamics. These tariffs, along with retaliatory measures from China and the EU, have created a ripple effect of heightened costs and fractured supply chains that continue to haunt businesses worldwide.

Supply chains under siege

Years of disruptions — from pandemics to political instability — have left supply chains battered and exposed. CEOs are now racing to fortify their operations, with 71% of US and 77% of European executives planning major overhauls within the next five years.

Diversifying vendors, leveraging artificial intelligence (AI), and integrating cutting-edge technologies have become not just priorities but necessities. These shifts, however, come with a heavy price tag, forcing businesses to balance resilience with profitability in an era of unrelenting uncertainty.

AI: A double-edged sword

As artificial intelligence (AI) promises to reshape industries, it also ignites unease among business leaders. While 44% of CEOs acknowledge AI’s potential to revolutionize productivity, nearly half struggle with the expertise needed to implement these technologies effectively. The gap between aspiration and capability is stark, with many executives admitting they are not yet prepared to harness AI’s full potential. As such, it’s not the potential resistance from workers that leaders fear, but the mounting pressure to acquire specialized talent that can leverage the benefits for AI. The year ahead highlights the grueling race to stay ahead — or risk falling behind.

Climate change: An unstoppable force

The climate crisis is no longer a distant threat but a present reality, disrupting businesses and reshaping corporate priorities.

Extreme weather events now rank among the top ESG concerns for 34% of CEOs globally. Regional differences further complicate the response: US leaders focus on building climate resilience, while European and Japanese CEOs set their sights on achieving carbon neutrality.

These diverging strategies reflect the mounting challenge of aligning environmental commitments with financial imperatives in a world already feeling the impact of a warming planet.

Innovation over price hikes

Faced with economic and geopolitical pressures, CEOs are shifting their growth strategies away from price hikes and toward innovation.

Only 13% plan to raise prices in 2025, with the majority instead prioritizing investments in new products, technologies, and data-driven marketing.

In Europe alone, 57% of CEOs intend to increase their marketing tech budgets by at least 10%, underscoring the belief that creativity and adaptability — not cost-cutting — will drive profits in the years ahead.

2025: A Year of Reckoning

For CEOs, 2025 is shaping up to be a year fraught with challenges that demand courage, clarity, and calculated risks. From bracing for economic shocks to navigating the complexities of global trade and technological transformation, leaders must balance their fears with bold actions. The path forward is neither simple nor certain, but one thing is clear: those who can adapt to the storms of change will be the ones to shape the future.

This article Global economy on the edge: CEOs brace for trade wars and no price hikes in 2025

This article provides information only and should not be construed as advice. It is provided without warranty of any kind.

Mark Spitznagel wasn’t surprised when USD$6.4 trillion was erased from global stock markets this past August.

That’s because the noted Wall Street “permabear” — a term used to describe an investor who assumes the value of stocks and shares will fall regardless of market conditions — anticipates a major market crash due to the "greatest credit bubble in human history." As he recently put it: We are on the verge of a Black Swan event (an unpredictable occurrence with a significant impact that wasn’t widely predicted) and on the precipice of a major market correction.

Spitznagel is the billionaire investor and hedgefund manager who managed to correctly predict the market crashes in 2008 and 2000. With this in mind, he is warning all investors to consider the risks that exist in today’s economic environment — and to prepare to weather the impending storm.

Why Mark Spitznagel predicts stock market crash

Mark Spitznagel recently told Business Insider that he believes the “worst market crash since 1929” is coming.

As the Chief Investment Officer of Universa Investments, Spitznagel’s biggest concern is how prominent debt is in all financial decisions — from day-to-day consumer choices to federal initiatives.

“Credit bubbles end. They pop. There’s no way to stop them from popping,” he said, adding that the Fed has brought the economy to a place “where there’s no turning back.”

Spitznagel’s advice: Don’t chase returns. Instead, he suggests investors build a portfolio that can withstand market crashes and dips. To help, here are some tips on building a recession-proof portfolio.

How to prepare your portfolio in case of a market crash or recession

The first step to preparing your portfolio is to consider how diversified your holdings are in terms of assets, sectors, geographic regions and market cycles.

For instance, most investors are advised against holding an all-equity portfolio. Instead, a balanced portfolio is preferred as it allows investors to capitalize on market appreciation, but hold steady with bonds and alternative investments should economic conditions weaken.

While stocks and bonds are the standard assets to hold in a balanced portfolio, other alternative investments are now growing in popularity. To help you choose, here’s a list of the three most popular alternative investments that can help your investment portfolio stand strong against any market storm.

Gold as a hedge against a market crash

Gold has long been considered a safe haven asset. This precious metal is an investor favourite, particularly when there is market uncertainty.

Despite persistent inflation throughout 2023 and 2024, gold prices continued to grow, reaching new heights in 2024 with a price that hovered around CDN$3,575 per ounce.

While Canadian investors can purchase gold bars, coins, or bullion through Silver Gold Bull, most choose to invest in gold stocks or an ETF that tracks the price of gold. The best way to do this is to open a discount brokerage account. Good options include:

• CIBC Investor’s Edge: Get 100 free trades when you open a CIBC Investor’s Edge account using promo code EDGE2425. Plus, get $200 or more cash back. Offer ends March 31, 2025
• Questrade: Get a $50 trade commission rebate
• Wealthsimple Trade: Get $25 and commission free trades when you open and transfer $150 or more into the trading account

Real estate as a hedge against a market crash

If you have enough cash, you could simply buy an investment property in one of Canada’s sought-after rental markets. But it’ll cost you.

Another option is to invest in real estate investment trusts (REITs). A REIT allows you to invest in a company that owns, operates and earns a profit off of real property. By investing in REITs, you get exposure to real estate earnings and appreciation without having to manage or finance the properties, personally.

For investors who want a hedge against equity market downturns, consider REITs that focus on commercial properties, such as retail malls, storage facilities and data warehouses. Like gold ETFs, a good way to purchase and sell REITs is to open an account on an online trading app.

There are also several real estate investment crowdfunding platforms available in Canada such as NexusCrowd, addy Invest, Equivesto, BuyProperly and Willow.

Art as a hedge against a market crash

If you’re looking to diversify your portfolio outside of real estate, consider an alternative asset like fine art. Masterworks is making this inflation-hedging asset — which has historically been reserved for the ultra wealthy — accessible through their platform.

With Masterworks, you can purchase shares of iconic works of art and benefit from their diversifying ability, without needing to shell out millions of dollars at an auction.

It can also pay to keep some cash on hand. Cash reserves in your portfolio could be the difference between you holding fast through market turmoil or you having to sell your investments at a loss.

Bottom line

If Spitznagel’s predictions of a market crash come true, Canadians who are overly concentrated in equities may face significant losses. To protect your investments, consider adding alternative assets to your portfolio, including real estate, commodities and international exposure in markets less correlated with North American economies, as they could provide a safety net, as well as gold and fine art investments.

For Canadians looking to build a crash-proof portfolio, focusing on diversification across asset classes is critical. Additionally, engaging with a qualified financial adviser who can help build a portfolio that aligns with long-term financial goals while preparing for potential market volatility, can go a long way to creating a balanced, market-proof portfolio, as well as providingpeace of mind.

Sources

1. BNN Bloomberg: US$6.4 trillion stock wipeout has traders fearing ‘great unwind’ is just starting (Aug 5, 2024)

This article Billionaire investor Mark Spitznagel, who predicted the last two market crashes, warns of impending Black Swan bubble burst in the equities market originally appeared on Money.ca

This article provides information only and should not be construed as advice. It is provided without warranty of any kind.

In a move set to shake up the Canadian travel rewards landscape, Porter Airlines, BMO and Mastercard have announced a groundbreaking partnership. Come spring 2025, Canadians will have access to a new suite of BMO VIPorter Mastercard credit cards, designed to accelerate their journey towards travel rewards.

This collaboration aims to blend Porter’s award-winning flying experience with an industry-leading loyalty approach. The new credit card program promises to help frequent flyers earn valuable travel benefits faster than ever before.

Enjoy VIPorter benefits for an elevated travel experience

The BMO VIPorter Mastercard suite isn’t just another travel rewards card – it’s a passport to quicker point accumulation and more flexible redemption options. Cardholders will be able to earn VIPorter points on everyday purchases, accelerating their ability to redeem for flights across Porter’s expanding North American network.

The VIPorter program boasts several standout features:

• Full value on flight spending: Members receive 100% of their eligible points for every flight purchased, including Basic economy fares.
• No blackout dates: Points can be redeemed for any seat across Porter’s network.
• Accelerated earning for Avid Travellers: Frequent flyers can enjoy additional travel benefits.
• Flexible redemption: Options include points-only and cash-plus-points bookings.
• Head Start feature: Carry over up to $3,000 in qualifying spend to jumpstart next year’s benefits.

The carrier’s PorterReserve certificates are another perk that will likely turn heads. BMO VIPorter Mastercard cardholders earn a PorterReserve flight certificate after $3,000 in annual spending. They’ll earn an additional PorterReserve certificate for every additional $2,000 in qualifying spend during that same calendar year.

PorterReserve is Porter Airlines’ premium all-inclusive economy experience, designed to offer travelers a hassle-free and comfortable journey.

With PorterReserve, VIPorter members enjoy front-of-cabin seating with more legroom, complimentary beer, wine and premium liquor on flights, fresh meal and enhanced snack service, two complimentary checked bags, dedicated check-in, boarding and security and more.

Jennifer Douglas, head of North American retail & small business payments at BMO, highlights the customer-centric approach of this new offering. "Knowing many Canadians look for a credit card that bridges their lifestyle with their financial goals, including travel, we will empower our customers to accelerate their travel rewards journey, helping them make real financial progress and bringing them closer to their next travel destination."

For those eager to be among the first to experience this new era of travel rewards, Porter has opened a pre-launch waitlist for VIPorter members, complete with a special offer of 10,000 VIPorter points upon approval at the card’s launch for those meeting eligibility requirements.

What does the new Porter Airlines credit card mean for travellers?

The announcement of the new BMO VIPorter Mastercard is great news for Canadian travellers. The new collaboration aims to blend Porter’s award-winning flying experience with an industry-leading loyalty approach.

The Canadian airline credit card market is fairly robust, with co-branded options from major carriers like Air Canada Aeroplan, British Airways, Air France/KLM, Cathay Pacific and WestJet. The new BMO VIPorter Mastercard, however, aims to serve the low cost carrier customer, something lacking from other issuers.

Porter offers a premium economy product that’s competitively priced, attracting both economy travelers looking to upgrade and business-class passengers seeking better value. With Porter, every passenger enjoys an elevated experience, regardless of fare class.

The Porter Airlines experience prioritizes both comfort and convenience, focusing on major hubs and downtown airports like Billy Bishop Toronto City Airport, as well as complimentary in-flight snack and beverage service and no middle seats on Porter’s Embraer E195-E2 aircraft.

"Porter’s elevated economy experience has set the standard for economy travel in North America. With the expansion of our network, we are also building a loyalty program that’s as distinct and value-focused as Porter’s flying experience," said Kevin Jackson, president, Porter Airlines, in a press release.

"The launch of the BMO VIPorter Mastercard suite is the first of many loyalty enhancements that will create substantial value and recognition for our VIPorter members. BMO and Mastercard are the perfect partners for Porter because each brand is aligned around providing a high level of service and value to our customers."

Diane Miquelon, senior vice president of financial institutions at Mastercard Canada, sums up the partnership’s goal: "Today’s consumer demands new offerings to bring them closer to their passions, including travel. We’re proud to partner with Porter and BMO on this new Mastercard credit card suite that offers enhanced travel benefits and provides meaningful value and rewards, while prioritizing trust and security for each transaction."

Read more: Best travel credit cards Canada

About Porter Airlines

Porter Airlines is a Canadian airline that has been making waves in the aviation industry since its inception in 2006. Founded by Robert Deluce, now the executive chairman, Porter was created with the vision of serving major cities in Canada using turboprop aircraft, focusing on business travelers who value convenience and comfort.

Porter Airlines started operations from Billy Bishop Toronto City Airport, offering a unique advantage of flying passengers directly into the heart of Toronto. This strategic location has been a cornerstone of Porter’s appeal, especially for business travelers. The carrier also features hubs out of Toronto Pearson International Airport and Ottawa International Airport, with additional focus cities in Halifax and Montreal. The airline currently serves 32 destinations across Canada and the United States, showcasing its growing presence in the North American market.

Sources

1. BMO: Porter Airlines, BMO and Mastercard Accelerate Canadians’ Travel Rewards Journey with New Credit Card Program (Jan. 29, 2025)

This article Porter Airlines, BMO and Mastercard join forces to elevate travel rewards with BMO VIPorter Mastercard credit cards

This article provides information only and should not be construed as advice. It is provided without warranty of any kind.

Just like some of our other favourite creatures —squirrels, crows and magpies, to name a few — humans love to collect things. Consider Beanie Babies. These cute stuffed bears were released for different occasions, themes and even to commemorate celebrities and sports teams.

Now, these precious collections could have an appealing resale value depending on the specific bear and its rarity. For example, you can find Peace the Bear on eBay for upwards of $6,000.

We may be in a new era, but people are still inclined to collect toys. Whether any of them will be worth money in the resale market in 30 years is up for debate, but younger generations are certainly spending a good chunk of change on them now.

On a macro level, according to Spend Z: A Global Report by NielsenIQ, GFK and World Data Lab, Gen Z is responsible for 17.1% of the total global spend of USD$57.6 trillion on all commodities — this is expected to increase to USD$12.6 trillion by 2030. So whether they’re purchasing necessities or curios, this cohort isn’t afraid to exercise their purchasing power.

So what are these cute collectibles and how much are they costing people? Let’s take a closer look.

Jellycats

The Jellycat brand sells plush animals, fruits, plants, holiday ephemera and more. Its “Amuseables” line is a selection of different plushies with little smiley faces and dangly legs. These ones are particularly popular, and as a cuteness lover myself, I get it. There’s just something endearing about a smiling peanut with feet.

The price of a Jellycat depends on its type and size, but can range anywhere from $20 to $200. But, if you’re looking for one that is out of production or generally hard to find elsewhere, resellers are offering them for up to $200 no matter the size.

These prices might not seem too insane, but the amount that many people have in their collection is something to marvel at. For example, Tiktok user @fortheloveofjellycats shared that they have a total of 522 in their collection.

Calico Critters

Calico Critters are small animal toys that often come in family sets, with furniture and are dressed in outfits. From cats, mice, rabbits and dogs — just to list a few — these little animals are a perfect bookshelf trinket for a collector compelled by the cutesy. They also have multiple series of mystery animals.

Depending on the specific critter you buy and the amount of accessories they come with, the price can be anywhere from $10 to $150.

Many people have also created side hustles by making their own unique outfits designed specifically for Calico Critters, so the accessory options never run dry. The costs of these add-ons and the higher resale prices of discontinued or hard-to-find critters can add up. The beekeeper set is sought after but not easily attainable and it’s sold as resale for around $200.

The real kicker when it comes to spending cash on Calico Critters is how for a sizeable portion of the population, acquiring these cute toys goes beyond humble hobbyist. All it takes is a quick search on TikTok to witness the massive collections out there.

Squishmallows

Stuffed animals are seemingly timeless. While they evolve with new brands, having a little creature to cuddle never goes out of style.

Squishmallows are not just animals, they’re also objects, fruits, mythical creatures and more. And they each come with a name and personality description and are available in mystery packs in a variety of sizes. Squishmallows cost $10 to $100 at retail price, but there are plenty for resale that cost more.

If you find a squishmallow on a resale site, it’s probably due to it being discontinued, a holiday special or exclusive to certain retailers. The Jack Black Cat squishmallow had a limited run of 500 and can be found for resale at $2,300. That being said, not every Squishmallow has this high of a resale value, and it’s hard to know if any others will follow a similar trajectory.

Sonny Angels

Sonny Angels are cherub figurines originating in Japan and come with different hats and shirts — yes, it really is that simple. A single figurine costs between $15 to $20 depending on the retailer, but boxes with multiple figurines can cost up to $200. Rarer Sonny Angels can be found on resale sites for $100 to $300.

These toys are clearly popular, with people sharing their vast collections on TikTok and even joking that they’ve spent so much money on them, that they’ll have to forgo buying groceries and eat the dolls for dinner instead.

Cute but costly

While some of these collectibles are worth a pretty penny, not all of them are. Gen Z may want to take this as a sign to scale down on their collecting habits should they ever want to part with their collections in the future in exchange for some cash.

Of course, having a special thing to collect is fun, but it can grow to be too much (say, you have a full closet lined floor to ceiling with Squishmallows). With social media being the perfect place to share what you own, it can quickly lead to overconsumption for the sake of keeping up with your digital peers. As a result, you might need to embark on some de-influencing to lessen your consumption and collecting habits and spend your money more wisely.

Sources

1. Nielsen IQ: Spend Z: Gen Z Changes Everything (2024)

2. TikTok: @fortheloveofjellycats Showing my Jellycat collection (Nov 2024)

3. TikTok: @clothildeshop

This article Bye bye Beanie Babies — here are the 4 collectible toys Gen Z is spending money on and how much they cost

This article provides information only and should not be construed as advice. It is provided without warranty of any kind.

As Canada enters a critical period of mortgage renewals in 2025 and 2026, homeowners and financial experts are closely monitoring interest rate movements for signs of relief — and it appears the Bank of Canada (BoC) offered the first glimmer of hope for variable-rate mortgage holders and first-time buyers with a rate drop of 0.25%.

The BoC’s rate cut, announed on January 29, 2025, brought the central bank’s overnight rate down to 3.00%. This reduction lowered the prime rate on variable loans to 5.20%, offering potential relief to homeowners facing mortgage renewals in the coming months.

The timing of this rate cut is crucial, as the Canada Mortgage and Housing Corporation’s (CMHC) Fall 2024 Residential Mortgage Industry Report estimates that 1.2 million mortgages will come up for renewal in 2025 and 2026. This wave of renewals follows years of climbing interest rates, which saw mortgage rates rise from historical lows in 2020 to rates as high as 5.00% to 9.00% in 2023 and 2024.

With this latest rate cut, borrowers with variable-rate mortgages will see an immediate reduction in their monthly payments, while those renewing fixed-rate mortgages may encounter slightly better lending conditions than previously expected. However, uncertainty remains as future rate movements depend on inflation, economic stability, and global financial conditions.

This guide outlines 10 essential steps homeowners can take to prepare for mortgage renewals and potential future rate shifts. Whether you are renewing a mortgage, refinancing, or considering pre-payment strategies, staying informed and proactive will help minimize financial strain and maximize affordability in the evolving interest rate landscape.

Wave of mortgage renewals in 2025 and 2026: A statistical overview

With approximately 30% of all Canadian mortgages set to renew over the next two years, it’s crucial for homeowners to consider how current and near-term future economic decisions could impact their housing affordability calculations.

Keep in mind, these renewals are scheduled after a few years of rising interest rates — with mortgage rates climbing from historical lows of 0.25% in early 2020 to as high as 5.00% in 2023 and 7.00% or more in 2024 (depending on the borrowers circumstances).

For context:

• The average fixed-rate mortgage in Canada reached 5.7% in 2023, up from around 2.5% in 2020.
• In December 2024, the average 5-year variable mortgage rate offered by Canada’s Big 5 Banks was approximately 4.83%.
• In January 2025, best high-ratio 5-year variable rate in Canada had decreased to 4.45%.
• Meanwhile, variable rate morgages surged due to rapid increases in the Bank of Canada’s target rate, adding hundreds of dollars to monthly payments for many borrowers.
• Roughly 60% of mortgages set to renew in 2025 and 2026 are fixed-rate, meaning these homeowners locked in lower rates during earlier years but may face significant jumps upon renewal.

This statistical backdrop underscores the financial challenges Canadians are likely to face — but also highlights the potential for relief if the target rate shifts downwards over the year.

How changes to the BoC target rate can alleviate financial strain

The Bank of Canada’s target rate directly influences borrowing costs, including the prime rate used by banks to set mortgage interest rates. A reduction in the target rate would have a ripple effect, lowering interest rates on new and renewing mortgages alike. For homeowners, this could translate into:

Lowers monthly payments

A 1% decrease in mortgage rates could save the average borrower $150 to $300 per month on a $500,000 mortgage.

For those renewing a fixed-rate mortgage, this reduction could soften the impact of transitioning from historically low pandemic-era rates to today’s elevated levels.

Greater predictability for variable-rate holders

Homeowners with variable-rate mortgages tied to the prime rate would experience immediate reductions in their monthly payments if the target rate decreases.

This relief could stabilize household budgets and help prevent financial overextension.

Improved refinancing options

A lower target rate could also enhance refinancing opportunities for struggling homeowners, enabling them to consolidate debt at more favorable terms.

For many Canadians, these outcomes would mean a reduced likelihood of defaulting on their mortgage and an improved capacity to manage other financial obligations.

• Read More: Whether you’re a first-time homebuyer, a mortgage holder looking to renew, looking to buy a car or want to pay back debt, here’s how the latest BoC rate cut will impact you

10 steps homeowners can take to prepare for interest rate changes

1. Evaluate current financial position

• Assess monthly budgets and identify areas for savings to accommodate potential higher mortgage payments upon renewal.
• Build an emergency fund to handle unexpected financial strain.

2. Understand your mortgage terms

• Review your mortgage contract to know the renewal timeline and conditions.
• Determine whether your mortgage is fixed or variable and how interest rate changes will affect payments.

3. Explore renewal options early

• Contact your lender in advance of your renewal date to discuss options.
• Consider locking in a fixed rate if you prefer payment stability over potential market fluctuations.

4. Compare mortgage offers

• Shop around for competitive rates and terms.
• Utilize online mortgage calculators to estimate monthly payments and evaluate scenarios.

5. Consider pre-payment strategies

• Pay down as much of your principal as possible before renewal to reduce the impact of a higher interest rate.
• Make lump sum payments if permitted by your current mortgage terms.

6. Refinance or consolidate debt

• Look into refinancing options to secure lower rates or consolidate high-interest debts for better financial management.

7. Seek professional advice

• Consult a mortgage broker or financial advisor to explore strategies tailored to your situation.
• Stay informed about economic trends and Bank of Canada announcements.

8. Prepare for variable rate adjustments

• If holding a variable-rate mortgage, prepare for fluctuating monthly payments.
• Set aside additional funds to cushion potential increases.

9. Monitor economic indicators

• Stay updated on changes to the Bank of Canada’s target interest rate and other relevant economic policies.

10. Leverage financial tools

• Use budgeting apps and tools to track expenses and manage financial changes efficiently.
• Access resources such as calculators and guides to simulate future scenarios.

By taking proactive steps and staying informed, homeowners can mitigate the financial impact of interest rate changes and ensure better control over their mortgage commitments in 2025.

Relationship between mortgage rates and loan delinquency

Delinquency rates — defined as loans overdue by 90 days or more — are a critical indicator of financial strain within the housing market.

Canada’s mortgage delinquency rate has historically been low, sitting at just 0.15% in 2023, but the rapid rise in interest rates has raised concerns about a potential increase in mortgage loan delinquencies.

• Read More: What is the difference between the overnight rate and the prime rate? Learn how the BoC target rate impacts lending rates — and how this can help you get out of debt faster

Here are some key factors to consider:

Impact of rate decreases on delinquency rates

If the Bank of Canada drops its target rate, homeowners renewing their mortgages may find themselves in a more manageable financial position, reducing the likelihood of missed payments. Lower rates could also enable at-risk borrowers to restructure their debts, preventing delinquencies.

Historical trends

During previous periods of declining rates, delinquency rates either stabilized or fell, as borrowers faced less financial pressure. A similar trend could emerge if rates are reduced for 2025 and 2026.

Potential risks and challenges

While a lower target rate could provide relief, it is not without potential drawbacks. The following considerations highlight why policymakers and borrowers must approach this issue with care:

Housing market dynamics

A significant rate reduction could reignite demand in the housing market, potentially driving home prices higher. For first-time buyers or those seeking to upsize, this could erode affordability gains made during periods of slower market activity.

Inflationary pressures

Lowering rates too quickly or significantly could stoke inflation, complicating the Bank of Canada’s efforts to maintain price stability. This may limit the extent to which rates can be reduced without adverse economic consequences.

Long-term debt sustainability

A reduction in rates could encourage higher levels of household borrowing, potentially exacerbating Canada’s already high household debt-to-income ratio, which stood at 183.3% in 2023.

Economic uncertainty

If global or domestic economic shocks occur, rate adjustments may have less predictable effects on the housing market and mortgage renewals.

Broader implications for the Canadian economy

The relationship between mortgage rates and financial stability extends beyond individual households. Reduced financial strain on borrowers could yield significant benefits for the Canadian economy, including:

Increased consumer spending: Homeowners with lower monthly payments are more likely to spend on goods and services, boosting economic activity.

Stabilized housing market: Lower rates could encourage greater stability in home sales and prices, mitigating the risk of sharp market corrections.

Banking sector health: A reduction in mortgage delinquencies would strengthen the financial health of Canadian banks, reducing risks in the lending system.

Economic growth: By alleviating financial strain on households, a lower target rate could create conditions for more sustainable economic growth.

Read More: These 5 money moves can make or break your retirement plans — and you can complete each step within minutes. Here’s how

Bottom line: January 2025 is a critical moment for Canadian homeowners

The upcoming wave of mortgage renewals in 2025 and 2026 will serve as a litmus test for the resilience of Canadian households and the effectiveness of monetary policy. With 1.2 million mortgages set to renew, even modest changes in the Bank of Canada’s target rate could have profound effects on financial stability and delinquency rates.

While a rate reduction could alleviate significant financial pressure and reduce delinquencies, it is not without risks. Policymakers must carefully balance the benefits of lower borrowing costs with the need to maintain economic stability and control inflation.

For Canadians facing mortgage renewals, proactive financial planning and an awareness of market trends is very important. With careful policymaking and informed decision-making by borrowers, the potential exists to turn this period of uncertainty into an opportunity for greater financial stability.

This article 10 steps to take with the Bank of Canada interest rate change: How 1.2 million mortgage holders can prepare originally appeared on Money.ca

This article provides information only and should not be construed as advice. It is provided without warranty of any kind.

Canadians face a new economic reality — one that is dominated by uncertainty, threats and the potential for higher living costs. Given the uncertainty and threats, the Bank of Canada (BoC) announced a rate drop of 0.25% on January 29, 2025.

The BoC decision to reduce interest rates comes as inflation eases to 1.8% — well within the BoC’s target range — while the Canadian economy continues to show signs of recovery after a turbulent few years. But as with any economic shift, there are winners and losers the latest Bank of Canada interest rate announcement.

Winners: Who benefits from lower interest rates?

Bird’s Eye View: Borrowers and economic activity see immediate gains

One of the bigger winners from the January 29, 2025 BoC rate announcement are borrowers — particularly Canadians with variable-rate mortgages and people with personal, car or student loans tied to the prime rate. With a rate drop, Canadians carrying debt will see their monthly payments decrease almost immediately/stay the same.

As Tyler Thielmann, CEO of Spring Financial, explained: “Variable rate debt holders should see an immediate change in their interest costs, leaving more money in their pockets each month.”

Similarly, home equity lines of credit (HELOCs) also benefit from reduced borrowing costs, providing relief to Canadians who may have used their homes to finance renovations or other major expenses.

Businesses, too, gain advantages as business owners can access cheaper borrowing, which helps foster growth and encourages investment in expansions, hiring, and innovation.

Experts like the Chief Economist at BMO, Douglas Porter, note that the rate cuts reflect a broader strategy to support economic recovery. "A significant decline in inflation, paired with easing borrowing costs, is expected to stimulate economic activity,” Porter remarked, adding that consumer spending could be bolstered as Canadians feel less financial strain.

Reader Tip: If you carry variable-rate debt, consider refinancing to lock in lower rates while they last.

Read More: What is the difference between the overnight rate and the prime rate? Learn how the BoC target rate impacts lending rates — and how this can help you get out of debt faster

Losers: Who is hurt by lower interest rates?

Bird’s Eye View: Savers and long-term planners face challenges

While borrowers celebrate, savers are left grappling with the downside of lower interest rates.

Canadians who rely on fixed-income investments like Guaranteed Investment Certificates (GICs) or high-interest savings accounts (HISAs) will see reduced returns, making it harder to grow wealth securely. Rachel Siu, head of Canadian fixed-income strategy at BlackRock, cautions that declining rates often diminish the purchasing power of savings over time if inflation creeps back up.

Retirees, in particular, are vulnerable. Those relying on income from fixed-rate investments may need to reconsider their financial strategies to ensure they can sustain their lifestyles.

“Once the actual inflation has been factored into nominal interest rates, borrowers start to lose, while savers might feel the squeeze,” notes David Gray, a professor of economics at the University of Ottawa.

Reader Tip: To offset reduced yields, explore investment products that hedge against inflation, such as inflation-protected securities, or use hybrid banking solutions like KOHO to maximize savings flexibility.

Why interest rates change: Balancing growth and inflation

The BoC uses interest rate adjustments to influence economic activity and inflation. With inflation now at 1.8% — significantly down from the rates seen in 2024 — the central bank sees room to stimulate growth without risking runaway price increases.

However, this balancing act isn’t without risks. Economists like Frances Donald of Manulife Investment Management warn that external challenges, including US tariffs and global trade uncertainty, could still pressure Canada’s economy, making further rate cuts a double-edged sword.

James Orlando, an economist with TD, emphasizes the cautious nature of the BoC’s approach: “Given where interest rates are in Canada, we think the BoC can go slower with its cuts.” This careful strategy reflects the complexity of stimulating growth while avoiding excess borrowing.

Reader Tip: Stay informed about inflation reports and economic forecasts to anticipate future rate changes.

First-time homebuyers: Navigating rate changes

For first-time homebuyers, lower rates can help improve affordability, but not dramatically in high-cost housing markets.

Thielmann advises buyers to avoid trying to “time the market” based on minor rate changes. Instead, focus on what you can afford today and ensure your financial plan includes a buffer for potential future rate increases — just in case.

Tools like Tax-Free Savings Accounts (TFSAs) are invaluable for saving toward a down payment. These accounts allow Canadians to grow their savings tax-free, making them an attractive option for young buyers seeking to navigate high housing costs.

Another great option is the First-Time Home Savers Account (FHSA). Structured in a similar fashion to the TFSA, an FHSA lets you save for a home and avoid paying tax on earnings generated in the account. This can mean more money in the bank for your down payment.

Reader Tip: Open a TFSA or FHSA to maximize tax-free growth and expedite your savings goals.

Broader implications: Stimulating growth or exacerbating debt?

While rate cuts encourage spending and investment, they also carry risks. The availability of cheap credit may lead to over-leveraging, particularly as Canadians already carry high levels of household debt. Increased reliance on credit could create financial vulnerabilities if rates rise again or if inflation accelerates — adding extra pressure to household budgets.

Still, this recent rate cut will help. Tiago Figueiredo of Desjardins predicts this recent rate cut will provide a cushion for Canadians facing mortgage renewals, alleviating some of the financial pressure from elevated borrowing costs.

Reader Tip: Maintain a healthy debt-to-income ratio and focus on paying down high-interest debt to protect against future rate increases.

6 practical tips for adapting to rate changes

To help, here are six tips to help you adapt to rate changes:

1. Adjusting your financial strategy to align with changing rates.
2. Diversify your investment portfolio to mitigate risk and ensure your savings continue to grow.
3. Revisit your budget to account for potential changes in borrowing or savings rates.
4. Consult a financial advisor to get tailored advice for navigating these shifts.
5. Explore flexible savings accounts, particularly accounts that offer cash back or rebates.
6. Consider refinancing fixed-rate debts for greater financial resilience.

Read More: Whether you’re a first-time homebuyer, a mortgage holder looking to renew, looking to buy a car or want to pay back debt, here’s how the latest BoC rate cut will impact you

Bottom line

Interest rate changes create both opportunities and challenges for Canadians. While borrowers and businesses benefit from cheaper credit, savers and retirees face diminishing returns.

Understanding these dynamics and proactively managing your finances can help you navigate rate shifts effectively. As the Bank of Canada continues to balance inflation and growth, staying informed and adaptable will remain key to financial success in 2025 and beyond.

— with files from David Saric

This article First BoC rate drop of 2025: Who wins and who loses when the Bank of Canada lowers its interest rates? originally appeared on Money.ca

This article provides information only and should not be construed as advice. It is provided without warranty of any kind.

The Bank of Canada (BoC) announced the first rate drop of 2025 — with a 25 basis point rate cut to its overnight rate. The rate cut of 0.25% was announced on January 29, 2025, following a 50 basis point cut in December 2024. The BoC’s target rate now stands at 3.00% — pushing the bank prime rate to 5.20%.

This latest rate reduction reflects the ongoing economic uncertainty due, in part, to global unrest, the threat of trade wars and a sluggish domestic economy. For most Canadians, the real question is how this latest rate cut will affect their everyday living costs and those saving for a large purchase, such as buying a home.

1. Glimmer of hope for first-time homebuyers

Since March 2022, the BoC’s policy rate peaked at 5.00%, but a series of reductions, including this latest January 29, 2025 rate cut, means a gradual ease on the financial strain higher borrowing rates imposed on first-time homebuyers. Lower borrowing costs make mortgages more affordable and this helps to expand loan eligibility for renters looking to get into the property market.

For example, on a $500,000 variable-rate mortgage previously at 5.45%, monthly payments drop by approximately $72, totalling annual savings of over $864.

Bottom Line: Lower borrowing costs can fuel confidence and encourage potential homebuyers to re-enter the real estate market, but pent-up demand could mean a surge of buyers entering the spring selling market and this could drive home prices even higher.

2. Relief for variable-rate mortgage holders

Variable-rate mortgage holders should benefit almost immediately from the Bank of Canada rate drop, since the target rate directly influences the prime rate used by banks and mortgage lenders.

For instance, a $400,000 mortgage shifting from 5.45% to 5.20% reduces payments by approximately $52 per month, or $624 annually. Some lenders maintain fixed payments while allocating more toward principal repayment, helping reduce overall interest costs.

Bottom Line: Borrowers see either reduced payments or accelerated loan repayment, easing financial burdens.

3. Renewing mortgages still pose challenges

Canadians renewing fixed-rate mortgages from earlier lows (~2% in 2020) must adjust to higher rates. Despite rate cuts, renewal rates still hover near 5.2% to 5.5%, significantly higher than previous terms. Homeowners should use calculators to budget for higher payments and explore fixed or variable renewal options.

Bottom Line: Budgeting and proactive financial planning remain critical for mortgage renewers.

4. Reduced costs for large purchases

Borrowers seeking personal loans, auto loans, or lines of credit tied to the prime rate will see cost reductions. A typical $30,000 car loan with a variable APR tied to prime (previously 7.45%) now drops to 7.20%, saving borrowers $150 per year in interest.

Bottom Line: Cheaper financing could stimulate spending on big-ticket items, positively impacting economic activity.

5. Boost for businesses

Businesses benefit from easier access to lower-cost credit, aiding expansion efforts. Lower rates may also increase consumer spending, boosting demand for goods and services. Small businesses, which often rely on loans tied to prime, see reduced interest expenses, freeing resources for growth.

Bottom Line: Rate cuts promote business growth, potentially driving job creation and economic recovery.

6. More disposable income for Canadians

Reduced rates translate to lower debt-servicing costs for Canadians. Borrowers with outstanding variable loans or lines of credit tied to prime rates could see noticeable savings. For example, a $50,000 line of credit previously at 7.45% now drops to 7.20%, saving $125/year on interest.

Bottom Line: With more disposable income, Canadians can save, invest, or pay down debt faster.

7. Inflationary risks remain

While lower rates aim to stimulate economic growth, they may reignite inflationary pressures. Rising demand due to increased borrowing and spending could push prices higher. The BoC will closely monitor inflation metrics and adjust rates if needed.

Bottom Line: Canadians should stay vigilant about inflation’s potential impact on living costs.

Conclusion

With the January 2025 rate cut, the BoC continues efforts to boost economic recovery. Canadians should take advantage of lower borrowing costs while remaining mindful of potential risks.

This article 7 powerful ways the Bank of Canada’s rate cut could change your financial future originally appeared on Money.ca

This article provides information only and should not be construed as advice. It is provided without warranty of any kind.

The renewable energy boom just got a tech-powered boost, and investors looking for opportunities outside of oil and gas should definitely pay attention.

As a global leader in energy software, Calgary, AB-based Peloton recently announced its entry into the renewables sector with cutting-edge land data management solutions.

This strategic move positions the company as a key player in the push toward a sustainable future, offering tools that promise to streamline operations for solar, wind, and other green energy projects.

For investors looking for the next big opportunity in clean energy, Peloton’s announcement is a call to pay attention.

Tools for a sustainable future

Using the Peloton software, companies get real-time insights and streamlined operations which allows firms to visualize land agreements, identify potential issues, ensure regulatory compliance, and optimize efficiency — all of which are key concerns for stakeholders managing renewable energy infrastructure.

Mike Kennedy, vice president of LandView Business Development, emphasized the transformative potential of the Peloton platform: “Our cloud-first SaaS solution revolutionizes operations by layering agreement data with public and private datasets, enabling confidence at scale.”

Why investors should pay attention

The renewable energy market is projected to grow rapidly as countries aim for decarbonization. This global focus is creating opportunities for companies like Peloton — firms that will help renewable energy producers to meet rising demand for infrastructure management. According to the International Energy Agency (IEA), global investments in renewable energy surpassed USD$1 trillion in 2023. Peloton’s focus on operational efficiency positions it well to attract clients navigating this expanding sector.

Adding Peloton to your portfolio

Peloton performance in recent years reflects ithe company’s resilience and adaptability. While the company faced headwinds during the pandemic, the firm’s earnings increased by 15% since 2022, according to MarketWatch. This pivot towards renewable energy could drive further momentum for the company, especially as it aligns with global sustainability goals.

Investors interested in adding renewable energy to their portfolio could consider an exchange-traded fund (ETF) — a basket of companies focused on this market sector. Good options for Canadian investors include:

Harvest Clean Energy ETF (TSX:HCLN)

• Overview: Provides exposure to 40 large clean energy companies globally, including firms in North America, Europe, Asia, and New Zealand.
• Management Fee: 0.40%
• MER: 0.68%
• Dividend Yield: N/A
• Distribution Frequency: Annually
• Assets Under Management (AUM): $33.83 million
• 1-Year Performance: -16.06%
• Top Holdings: GCL Technology Holdings Limited, Plug Power Inc, Xinyi Solar Holdings Limited, Daqo New Energy Corp, First Solar, Inc.

BMO Clean Energy Index ETF (TSX:ZCLN)

• Overview: Seeks to replicate the performance of the S&P Global Clean Energy Index, investing in 100 clean energy companies worldwide.
• Management Fee: 0.40%
• MER: 0.40%
• Dividend Yield: 1.12%
• Distribution Frequency: Annually
• AUM: $74.2 million
• 1-Year Performance: -14.17%
• Top Holdings: First Solar Inc, Enphase Energy Inc, Iberdrola SA, Vestas Wind Systems A/S, Consolidated Edison Inc.

iShares Global Clean Energy ETF (TSX:ICLN)

• Overview: Provides exposure to companies involved in the production of clean energy from renewable sources globally.
• Management Fee: 0.42%
• MER: 0.42%
• Dividend Yield: 1.34%
• Distribution Frequency: Quarterly
• AUM: $222 million
• 1-Year Performance: -5.49%
• Top Holdings: First Solar Inc, Enphase Energy Inc, Iberdrola SA, Vestas Wind Systems A/S, Consolidated Edison Inc.

Read More: Open an online trading account

Investing in the green transition

For retail and institutional investors alike, Peloton’s foray into renewables highlights broader trends in technology-driven solutions for green energy. Companies offering innovative tools to enhance efficiency and compliance are positioned to thrive in an era of increased regulation and competition.

By focusing on renewable land management, Peloton is not only addressing an urgent industry need but also offering potential investors a glimpse into the future of sustainable energy operations. With strategic initiatives like these, the company could emerge as a key player in the shift toward a greener economy.

This article Peloton’s renewables expansion: Game-changing tech for green energy investors

This article provides information only and should not be construed as advice. It is provided without warranty of any kind.