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Welcome to Dynamic Wealth Management

Welcome to Dynamic Wealth Management's brand new website.  Please take a look around and take a moment to read the blog.  I will be posting my thoughts on investing and the markets every Monday, so check back every week to get the latest news.

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Emerging Markets = Your Chance to Go Back in Time PDF Print E-mail
Written by Kalson Jang   
Monday, 16 May 2011 22:23

In today’s world wide economy, no portfolio is complete without exposure to Emerging Markets (“EM”).  For those of you who do not know what Emerging Markets are, they are financial markets which are not as developed as North American and European markets.  Emerging Markets include countries such as Brazil, India and China to name a few.  Although China is quickly becoming the largest economic superpower in the world, it is often classified as an Emerging Market due to its relative youth in the economic marketplace.

The reason you should consider investing in Emerging Markets can be seen clearly in your everyday life.  As I’m sure you have noticed, almost everything is made in EM now, as labour is much cheaper which allows companies to sell their products to us for less money.  With competition in developed markets more fierce than ever, the quest to find cheaper ways to produce products has led to more and more goods being produced in EM.  As a result of this, there has been a clear shift in wealth from the West to the East which has led to a profound shift in the demographics within EM.

Not too long ago, people living in Emerging Markets were either very rich or very poor with very few people falling under the category of “middle class”.  This is contrary to developed markets where most people fall under the category of middle class.  As a result of the huge amounts of money being sent from developed markets to EM to purchase goods and services, there is dramatic growth in the middle class population in EM.  As a result, people who previously could not afford things like condominiums, automobiles and luxury goods can now afford such things.  As a result, consumer demand in EM is growing at a rapid pace, while in North America, it grows very slowly.

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What Makes Me Different and How it Benefits You! PDF Print E-mail
Written by Kalson Jang   
Monday, 02 May 2011 21:15

When people decide that it’s finally time to start getting their financial affairs in order and realize that speaking with a professional who specializes in doing this on a regular basis is the best course of action, they realize that there are a lot of “Financial Advisors” out there who are all offering to “take care of them”.  In this industry, there are a lot of “Financial Advisors” out there, and undoubtedly, it’s hard for someone looking for one to find the perfect fit for them.

Generally speaking, there are 2 categories of Financial Advisors out there that can help you.  The first option would be the advisor at your local bank.  This is where people most commonly gravitate because their money is already with the bank and the perception is that dealing with the bank is easier.  Although this may appear to be the case, it is a mistake that many people often make and it’s a mistake that can cost them a lot of money in lost investment returns.  To read more about what makes investing with me different than investing with the bank, please take a look at this article that I wrote.

After reading that article, you will probably realize that dealing with an Independent Financial Advisor is probably your best course of action.  When speaking to potential clients, a common question I am often asked is what makes me different than the other Financial Advisors out there?

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The Economic Effect of the Japanese Disasters PDF Print E-mail
Written by Kalson Jang   
Monday, 21 March 2011 21:29

By now I’m sure everyone has heard about the terrible disasters that struck Japan and I’m sure I speak for everyone when I say that our thoughts and prayers go out to everyone affected.  From what I read most recently, it appears that some of the damaged nuclear reactors in Fukushima have had power restored to them with core temperatures under control, while the remaining reactors will have power restored to them in the near future.  In the meantime, it also appears that efforts to cool the reactors with water have been working well and I hope that they will have everything under control soon.  I think the men and women who have stayed behind to handle this situation are heroes and I tip my hat off to them for their courage and bravery.

Here in Canada, we are far away from what is happening in Japan, but we will still experience some of the economic effects of this disaster.  For the record, I would like to point out that none of my clients had any money invested in Japan before or after the disaster.  That being said, that does not mean that other financial markets are immune to being affected by what is happening in Japan.

From an industrial standpoint, the disasters in Japan affected the area north of Tokyo which is away from the industrial heartland of Japan which is to the south of Tokyo.  Japan’s key global industries and international trade infrastructure remain operational and the affected area only accounts for 6% of Japan’s GDP.

With that being said, I do not anticipate that the disasters in Japan will have any significant effect on the global economy.  Although the Japanese economy is the third largest in the world, it only accounts for 9% of Global GDP.  If the Japanese economy were to go down by 6% (the equivalent of US $346 billion), that would only lower global GDP by 0.54%, barely half a percentage point.  The probability of Japan’s economy losing that much money is also very small because Japanese shares have been trading at very low prices (14x P/E) and as a result do not have very far to go down.  Furthermore, the Bank of Japan will be very quick to act and will increase short-term liquidity to help keep economic growth on the right path.

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Why I Love High Gas Prices and Why You Should Too! PDF Print E-mail
Written by Kalson Jang   
Monday, 04 April 2011 22:28

Of all the things we complain about, I think nothing tops the list more than complaining about the price of gas.  I think people complain about the price of gas the most because it is something they absolutely must pay for, and they have very limited options when it comes to the price they pay.

Gas, like everything else, has gone up in price for as long as we can remember.  Like I’ve mentioned in many of my previous articles, it’s a product of inflation.  Every major economic region is printing money in an effort to spend their way out of trouble and to lower the value of their currency.  By printing more money, there is more liquidity (i.e. more money to be spent), which leads to more purchases, which leads to more jobs being created, which leads to more people having money to spend, which increases an economic regions prosperity.  Printing more money also lowers the value of their currency which makes their exported goods more favorably priced for other countries which leads to more exports and thus more jobs being created domestically.  Although this all sounds great, printing all this money also leads to inflation; we see this inflation every day of our lives.  When we wake up in the morning and buy our coffee, we notice the price of coffee has gone up.  When we fill our cars with gas or pay for public transit, we see that the cost has gone up.  When we buy lunch and dinner at a restaurant, we see that the cost of food on the menu has increased.  If we decide to save money by eating at home, we see that our grocery bills have gone up significantly.  When we get our utility bills in the mail, we notice that the cost to heat our house and use water has gone up significantly as well.  We all notice this because it is something that affects everyone; and although it seems at times like there is nothing we can do about it, this could not be further from the truth.

As someone who makes a living by helping people turn their money into even more money through investing, I enjoy seeing the price of gas go up because it means that my investments are going up even more.  When everyone else is complaining about how gas companies are cheating us with ridiculously high gas prices, I look at my investment account and see my account value increasing by leaps and bounds.

To illustrate what I’m talking about, let’s consider the increase in gas prices over the past 2+ years:

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Investment Newsletter - Q4 2010 PDF Print E-mail
Written by Kalson Jang   
Monday, 14 February 2011 22:17

Hi Everyone,

My newsletter for Q4 2010 is now available for download on my website:
http://dynamicwealth.ca/index.php/downloads/5-investment-newsletter-q4-2010/download

It contains a lot of useful information about where the market has been and where I see it going. I think you will find it as a useful guide to help you navigate the current financial markets!

Also, just a friendly reminder that the RRSP deadline is March 1, 2011 so if you are planning to make a contribution, please do so before that date!

As usual, if you would like to discuss things further with me, please feel free to contact me!

Best Regards,
Kalson

Phone: 416-775-8777
E-mail: This e-mail address is being protected from spambots. You need JavaScript enabled to view it
Website: www.dynamicwealth.ca

 
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