First time home buyer candidate here! Feel like the government is just moving the goal post as I try to save on the downpayment and hit the goal. The hypocrisy of the self proclaimed Liberal Government is actually making rich richer and poor poorer by making generational slavery.
@@growwithnav , there is a very good video analysis by CBC. That has the title "Do we really want the housing to be affordable?!". It is about the people of Canada and their expectations about the housing prices since most of everyone (unlike you, Navjot) in Canada has bought a home to build equity as the biggest investment asset class and build wealth. The government wants the same. They can't let the Canadian people down by slowing the average typical growth (~4%) on the housing market. No one wants house prices to grow slower than 4%, let alone go down or be affordable. If housing were to grow slower than this, people would invest in other asset classes (stock, US real estate, ETFs etc) and not make banks and the government rich here.
He is talking only about Mortgage - Add Home insurance; property tax; Hydro; water; Gas; Car insurance; Home internet; Phone; Gas and Grocery...............................So husbands salary goes in paying mortgage and wife salary goes in paying all bills. At the end of month in Hand - Babaji ka Thullu.....................And that also if both have 100K salary each.
Right analysis Navjot. I saw these number yesterday itself when I heard the news I was wondering why are they playing with Canadians. Future doesn't look good.
Now the agents are looking for the first-time homebuyers who might be idiot enough to take on these large debts. However, there is a scarcity of idiots in the market. The era of real estate market manipulation is over. The only way forward is to start fresh. Giving high risk subprime mortgages just shows how big of a mess it is.
Until 2008, we had no down payment and 40 years amortization. What the government has relaxed is what they have tightened before. Why the government did this? Per Capita GDP is going down. In simple terms, people are getting smaller pay checks, because we have too many immigrants, and employers are paying less. I was a first time buyer, until I realized this. Government does not want the house price to go low, because it is not good for economy and their tax revenue. Banks do not want the price to go down, they lend more money and make more interest income, realtors want higher price for their commission, same goes to the mortgage broker. Seller does not want the price to go down. All these people have control over the market. Home buyer only has a wish and perhaps some hard earned and saved money. If the government wants to remove fraud, they should allow any number of years for amortization but the income should be verified directly with CRA. This will bring all the frauds to a screeching halt.
You are 100% Correct it seems like someone there making this kind of huge decisions don't know basic Math 🤔. In what world does it make sense a lot of people cannot afford a home right now and streching to 30 years up to 1.5 Milly with less than 20% is just stupid. There is a law of cause and effect by the time they realize that it will be someone's else problem "All of us the Taxpayers " 😮
@@jitheshl7037 Yup and also mentaility among politician / govt guys who owns houses ...like we own houses already and we can't let it go down ...pathetic look all around.
I work with commercial real estate builders are taking 50 year mortgage because with 25 and 30 year of mortgage they cannot pay their monthly mortgage payments.
Hey Navjot, watching from Sydney, Australia. It’s surprising that Canada hasn’t had the 5% and 30 yr mortgage rule, given the high house prices in Greater Toronto and BC. With these changes, your system is getting closer to ours in Australia, but it might drive prices even higher. - In Australia, we've had the 5% down payment rule for some time, with no cap. However, our Mortgage Insurance (LMI) is lower at 2%, not 4%. If you're in specialized fields like medicine or finance, you can skip LMI with a 10% down payment. Many banks also offer 85% LVR with no LMI for IT professionals. - We do have stamp duty, which varies by state but averages around 2%. On the plus side, there’s no ongoing property tax for owner-occupied homes(or minimal prop tax for investor). First home buyers get stamp duty exemptions up to $650k and discounts up to $800k. Sydney’s market is tough, anything livable starts at $900k, with a median price of $1.6M. Wages here are higher than in Canada, though. The median wage is just over $100k, and household incomes of $250k+ are common. IT households often reach $300k+, which keeps buyers in the $1.6M range. Looking at this trend, it’s quite likely Canada’s housing market could head in the same direction as Australia’s. Who knows? It might even create a business case for higher wages.
Hi Nav, great video for a first timer checking in your channel. You mentioned 1.5 M cap insured mortgage is only for first time home buyers but I believe that cap is applicable for all buyers (not just first time). Also, any new build home gets 30 year amortization rather than just to first time buyer. I am sure you imply that but I am only articulating here. Thanks!
I think the government should have just gone ahead and made it 35 to 45 years amortization. So people will just realize that by the time they retire, they just paid off a mortgage.
Great Information Nav. In my opinion its a great move by Banks for the first time home buyer, while i do not disagree that you are paying more intrest on your mortgage, i feel 30 year this is a great oppertunity for people to get into real estate and build equity. On a 1 million mortgage divided by 5 equal terms you are paying approx 200k in principal every term, now with 30 year mortgage on a same amount you are building 165k principal per 5 year term, so its a great head start for someone who cannot afford mortgage with current rules. To sum up in 30 years 500000, will be equal to 50 k in todays value and 500k intrest will make u sit on a minimuk 6-7 million $ equity. Historicaly, it has been prooved that minimum wage doubles every 22yrs, which itself tells how the prices of houses are going to inflate in coming year. Its a great oppertunity to make wealth guys.
Not in the short term. They can’t go up. But the market will improve and all these will play a major role. This announcement is much bigger than we can imagine, especially when the economy will improve. But only time will tell.
Hey Nav! You mentioned about making 13 payment to the mortgage to pay down in 25 years. However investing that extra amount each year would generate higher return even factoring in that extra interest payments. Just my opinion.
Good for people who want to purchase condos whose prices will fall down due to reduced demand ...Still there are people who just want a roof over the head and not everybody is into 1 million detached properties and renting basements to deal with nuisance of tenants
Amazing video! Gave me a very good perspective! Does this mean going for a variable rate now is not that good an idea ? If inflation were to go up, then interest rate would go up as well, so choosing to go for a variable interest rate now by seeing the interest rate cuts is not a good idea right ?
Hey Navjot, excellent video that covers all the important aspects. I wanted to reach out to you to clarify the comment on the slide at 14:15: "This only makes sense if you buy a home with a rentable basement unit." Do correct me, but my understanding is that you cannot use a CMHC mortgage product to rent out, and it has to be your primary residence.
It's Just a copy paste from US model for more affordability without providing and other opportunities to become eligible for houses. In United states its very common to have two jobs to afford the house where in Canada you still hunting for the first job 30-year mortgage will not help either.
There is something you are missing Completely ... In US You can lock a rate of 30 years and you don't have to keep looking for a new rate every 5 years ... That makes a lot of difference
@@divyarakhiani8517 It’s Simple Game of demand and supply and providing enough opportunities in terms of employment to full-fill in house demand Canada clearly missing on employment front even India has only done on IT front plus we have huge population issue only China has replicate US model but it comes with lot democratic cost.
Too much optimistic view. Inflation will come back if it happens (ofcourse by 2026, 2025 will be easy sailing due to base effect) and Bond market will keep BoC in check (rates will be low for long time, lol). Labor market and Immigration might not support this time as it did post Covid, unless we hear MMT or UBI chatter again...
It can't blow up that much. Even if you put 20% down for 1.5M you need household income of 250k.. ATLEAST. IS CHRISTIA FREELAND EDUCATED? This is best case scenario, most prob you need higher income. what first time homebuyers will have that kinda income. And these 1.5 M houses are the ones that sold for 700k 4 years back and also they were brand new. They want you to take debt to make someone else rich.
@@growwithnav, young married people with their both parents on each side can have them become a co-signed on the mortgage and be able to afford the 1.5M home with the minimum downpayment instead of 20% despite of not having $290k income
First time home buyer here, I live in Toronto and I welcome this new rule. I don’t totally agree with your analysis, ps: I am a CPA! The video smells lot of biases and one-sidedness. Novjot in the making of a mini Robert Kiyosaki😂
The only logical reason I can think of keeping this is because of elections and this decision will keep the core voters aka older Canadians happy as they will not lose equity on their home till elections next year. A largely populist strategy.
I am at the beginning of my "investment journey", planning to put 85K into dividend stocks so that I will be making up to 30% per year in dividend returns. Any advice?
Investing without proper guidance can lead to mistakes and losses. I've learned this from my own experience.If you're new to investing or don't have much time, it's best to get advice from an expert.
The issue is people have the "I want to do it myself mentality" but not equipped enough for a crash, hence get burnt. Ideally, advisors are reps for investing jobs, and at first-hand encounter, my portfolio has yielded over 300% since 2020 just after the pandemic to date.
My CFA NICOLE ANASTASIA PLUMLEE a renowned figure in her line of work. I recommend researching her credentials further... She has many years of experience and is a valuable resource for anyone looking to navigate the financial market..
I just googled her and I'm really impressed with her credentials; I reached out to her since I need all the assistance I can get. I just scheduled a caII.
Thank you Navjot. Ever since I heard this news, I was waiting for your video because no one analysis this from the buyer and seller's perspective better than you. How honestly you addressed that these changes will somehow benefit mortgage agent and realtors but not really the First time home buyers. Kudos to your efforts. :)
@@growwithnav I actually don't want that. but things paves way for that! How the hell we can have a good life if Canada is these expensive to live a peaceful life. You answer me, SIR!!!??
I've been investing in Bitcoin by myself. I'm not really happy with what's going on, just few weeks ago I lost about $7,000 in a particular trade. Can you help me out or at least advise me on what to do?
!I recently sold some of my long-term position and currently sitting on about 250k, do you think Nvidia is a good buy right now or I have I missed out on a crucial buy period, any good stock recommendation on great performing stocks or Crypto will be appreciated
As a beginner investor, it’s essential for you to have a mentor to keep you accountable. Kristine Lynn Weber is my trade analyst, she has guided me to identify key market trends, pinpointed strategic entry points, and provided risk assessments, ensuring my trades decisions align with market dynamics for optimal returns.
I managed to grow a nest egg of around 120k to over a Million. I'm especially grateful to Adviser Kristine Lynn Weber, for her expertise and exposure to different areas of the market.
My colleagues had a good laugh at me when I told them I started my journey with $50k capital and how I accumulated over 6 figures within a span of 7 months. They never believed me until I pulled out my P&L. I know that learning the ins and outs of the market isn't for everyone, that's why personally,Kristine oversees my investments.
Without a doubt! Kristine Lynn Weber is a trader who goes above and beyond. she has an exceptional skill for analyzing market movements and spotting profitable opportunities. Her strategies are meticulously crafted based on thorough research and years of practical experience.
First time home buyer candidate here! Feel like the government is just moving the goal post as I try to save on the downpayment and hit the goal. The hypocrisy of the self proclaimed Liberal Government is actually making rich richer and poor poorer by making generational slavery.
not India
Sad. The market will still be bearish for the next little while though - so we got time 🙌
@@AdityaJape India is way worse if you are not part of the brahman & banya gang
@@growwithnav , there is a very good video analysis by CBC. That has the title "Do we really want the housing to be affordable?!".
It is about the people of Canada and their expectations about the housing prices since most of everyone (unlike you, Navjot) in Canada has bought a home to build equity as the biggest investment asset class and build wealth. The government wants the same. They can't let the Canadian people down by slowing the average typical growth (~4%) on the housing market. No one wants house prices to grow slower than 4%, let alone go down or be affordable.
If housing were to grow slower than this, people would invest in other asset classes (stock, US real estate, ETFs etc) and not make banks and the government rich here.
He is talking only about Mortgage - Add Home insurance; property tax; Hydro; water; Gas; Car insurance; Home internet; Phone; Gas and Grocery...............................So husbands salary goes in paying mortgage and wife salary goes in paying all bills. At the end of month in Hand - Babaji ka Thullu.....................And that also if both have 100K salary each.
Right analysis Navjot. I saw these number yesterday itself when I heard the news I was wondering why are they playing with Canadians. Future doesn't look good.
Hmmmm… I can’t imagine how the market will play out in 2026-2027 🤯
Now the agents are looking for the first-time homebuyers who might be idiot enough to take on these large debts. However, there is a scarcity of idiots in the market. The era of real estate market manipulation is over. The only way forward is to start fresh. Giving high risk subprime mortgages just shows how big of a mess it is.
I agree .
Such an amazing video within 24 hours!! Real hard work
🙌🙌
Until 2008, we had no down payment and 40 years amortization. What the government has relaxed is what they have tightened before. Why the government did this? Per Capita GDP is going down. In simple terms, people are getting smaller pay checks, because we have too many immigrants, and employers are paying less.
I was a first time buyer, until I realized this. Government does not want the house price to go low, because it is not good for economy and their tax revenue. Banks do not want the price to go down, they lend more money and make more interest income, realtors want higher price for their commission, same goes to the mortgage broker. Seller does not want the price to go down. All these people have control over the market. Home buyer only has a wish and perhaps some hard earned and saved money.
If the government wants to remove fraud, they should allow any number of years for amortization but the income should be verified directly with CRA. This will bring all the frauds to a screeching halt.
Agree. Though, it’s always been this way. The govt always sides with businesses and 70% of Canadians that are home owners.
You are 100% Correct it seems like someone there making this kind of huge decisions don't know basic Math 🤔. In what world does it make sense a lot of people cannot afford a home right now and streching to 30 years up to 1.5 Milly with less than 20% is just stupid. There is a law of cause and effect by the time they realize that it will be someone's else problem "All of us the Taxpayers " 😮
Exactly!! Crazy…
It's coming from thinking only "How can we keep home prices to keep going up?" as opposed to "How can we make homes more affordable?".
@@jitheshl7037 Yup and also mentaility among politician / govt guys who owns houses ...like we own houses already and we can't let it go down ...pathetic look all around.
Hope so middle class people will understand this math nd make right decision .
I work with commercial real estate builders are taking 50 year mortgage because with 25 and 30 year of mortgage they cannot pay their monthly mortgage payments.
Great video! I'm a Mortgage Agent, lots of people were celebrating this cap raise....not me, I thought it was just a bunch of dangerous crap.
🙌🙌
It's crazy that this was rolled out without a proper implementation of CRA income verification. Fraud will be rampant.
Hey Navjot, watching from Sydney, Australia. It’s surprising that Canada hasn’t had the 5% and 30 yr mortgage rule, given the high house prices in Greater Toronto and BC. With these changes, your system is getting closer to ours in Australia, but it might drive prices even higher.
- In Australia, we've had the 5% down payment rule for some time, with no cap. However, our Mortgage Insurance (LMI) is lower at 2%, not 4%. If you're in specialized fields like medicine or finance, you can skip LMI with a 10% down payment. Many banks also offer 85% LVR with no LMI for IT professionals.
- We do have stamp duty, which varies by state but averages around 2%. On the plus side, there’s no ongoing property tax for owner-occupied homes(or minimal prop tax for investor). First home buyers get stamp duty exemptions up to $650k and discounts up to $800k.
Sydney’s market is tough, anything livable starts at $900k, with a median price of $1.6M. Wages here are higher than in Canada, though. The median wage is just over $100k, and household incomes of $250k+ are common. IT households often reach $300k+, which keeps buyers in the $1.6M range.
Looking at this trend, it’s quite likely Canada’s housing market could head in the same direction as Australia’s. Who knows? It might even create a business case for higher wages.
@@thevishahrukh thank you for a very insightful post… very interesting 🙌
Excellent video. Govt should incentivize SME businesses instead. having a GDP relying on real estate is not sustainable.
💯
Navjot, great video. Now, I am desperatly looking for a video titled "How to save yourself with Canada's new mortgage rules".
Hi Nav, great video for a first timer checking in your channel.
You mentioned 1.5 M cap insured mortgage is only for first time home buyers but I believe that cap is applicable for all buyers (not just first time). Also, any new build home gets 30 year amortization rather than just to first time buyer. I am sure you imply that but I am only articulating here.
Thanks!
Any home (not just new build) gets 30 year amortization.
You are right about the 1.5 cap. You can only qualify for a $1.5M home at
Basic rule . Buy what you can afford ,nd pay it faster .Then only u can put money in ur pocket not to bank's or govt pocket .
💯
I think the government should have just gone ahead and made it 35 to 45 years amortization. So people will just realize that by the time they retire, they just paid off a mortgage.
That would be crazy… but I won’t be surprise if they push the conventional loans to 35-40 in the name of affordability!!
@@growwithnav true. May be in next 10 years
Your analysis is thorough, and the numbers you presented are clear and logical. I fully agree with the points you made in the video.
🙌🙌
Excellent Analysis Navjot ji. You are absolutely right. Well done 💐💐👏👏
Thanks a lot
Thanks. Excellent analysis.
🙌
I was eagerly waiting for your take on this. Did not disappoint! Thank you for your detailed analysis and well informed opinion on these changes.
Glad you enjoyed it!
Brilliantly Explained.
Glad it was helpful!
Great thorough breakdown.
Thank you 😊
Wow. Perfect analysis. Thanks so much
Glad you liked it!
Great Information Nav.
In my opinion its a great move by Banks for the first time home buyer, while i do not disagree that you are paying more intrest on your mortgage, i feel 30 year this is a great oppertunity for people to get into real estate and build equity.
On a 1 million mortgage divided by 5 equal terms you are paying approx 200k in principal every term, now with 30 year mortgage on a same amount you are building 165k principal per 5 year term, so its a great head start for someone who cannot afford mortgage with current rules.
To sum up in 30 years 500000, will be equal to 50 k in todays value and 500k intrest will make u sit on a minimuk 6-7 million $ equity.
Historicaly, it has been prooved that minimum wage doubles every 22yrs, which itself tells how the prices of houses are going to inflate in coming year.
Its a great oppertunity to make wealth guys.
💯💯
Such an amazing video!! Thanks Nav🙏🙏
Glad you liked it!!
I would never buy a house in this country on a loan. Especially, a big 'No' for 30 years. Being in debt for 30 years is a receipe of disaster for me.
👍🙌
Cherry on the top is interest will be lowered to further push the prices higher
🤯
Good Insights 👍 Loved the video.
Thank you 🙏
Such a great and eye opener video. Much appreciate the detailed explanations..
Glad it was helpful!
It is hard to imagine prices will go up ! Wishful thinking ....very divergent view from reality/affordability, which is crushed
Not in the short term. They can’t go up. But the market will improve and all these will play a major role. This announcement is much bigger than we can imagine, especially when the economy will improve. But only time will tell.
Lol! Welcome to Zimbabwe!
Hey Nav! You mentioned about making 13 payment to the mortgage to pay down in 25 years. However investing that extra amount each year would generate higher return even factoring in that extra interest payments. Just my opinion.
I agree. Do watch the previous video on retirement planning to get a context of where I am coming from
Do you think Gov took this decision without discussing with Bank of canada?
For sure they all are part of game.
@@SushilKumarLingala who knows… I hope so..
This would mean the demand for condo market may further go down….
True… Condo market may not move as much… only freeholds and homes with rentable basements is my gut feeling
Good for people who want to purchase condos whose prices will fall down due to reduced demand ...Still there are people who just want a roof over the head and not everybody is into 1 million detached properties and renting basements to deal with nuisance of tenants
Amazing video! Gave me a very good perspective!
Does this mean going for a variable rate now is not that good an idea ? If inflation were to go up, then interest rate would go up as well, so choosing to go for a variable interest rate now by seeing the interest rate cuts is not a good idea right ?
Too early to say. The rules will only come into effect in Dec, and banks are slow to implement anyways.
U speaks so fast brother , I have to pause u couple of times and sometimes replay again
Sorry, will try to improve :)
Hey Navjot, excellent video that covers all the important aspects. I wanted to reach out to you to clarify the comment on the slide at 14:15: "This only makes sense if you buy a home with a rentable basement unit." Do correct me, but my understanding is that you cannot use a CMHC mortgage product to rent out, and it has to be your primary residence.
If you live in the main house and rent the secondary smaller unit; CMHC will allow that.
If we can lock in mortagage rates for 30 years like in the u.s maybe
I wish.
Hi Nav just wondering to know what mortgage rate did you use for the example you use thanks
4.5%
It's Just a copy paste from US model for more affordability without providing and other opportunities to become eligible for houses. In United states its very common to have two jobs to afford the house where in Canada you still hunting for the first job 30-year mortgage will not help either.
Agree… especially today when the economy sucks
There is something you are missing Completely ... In US You can lock a rate of 30 years and you don't have to keep looking for a new rate every 5 years ...
That makes a lot of difference
@@divyarakhiani8517 It’s Simple Game of demand and supply and providing enough opportunities in terms of employment to full-fill in house demand Canada clearly missing on employment front even India has only done on IT front plus we have huge population issue only China has replicate US model but it comes with lot democratic cost.
Too much optimistic view. Inflation will come back if it happens (ofcourse by 2026, 2025 will be easy sailing due to base effect) and Bond market will keep BoC in check (rates will be low for long time, lol). Labor market and Immigration might not support this time as it did post Covid, unless we hear MMT or UBI chatter again...
It can't blow up that much. Even if you put 20% down for 1.5M you need household income of 250k.. ATLEAST. IS CHRISTIA FREELAND EDUCATED? This is best case scenario, most prob you need higher income. what first time homebuyers will have that kinda income.
And these 1.5 M houses are the ones that sold for 700k 4 years back and also they were brand new. They want you to take debt to make someone else rich.
Agree… stupid stupid rule in the name of affordability that can only be afforded by the top 3% Canadians
Or mortgage fraud will increase!!
@@growwithnav, young married people with their both parents on each side can have them become a co-signed on the mortgage and be able to afford the 1.5M home with the minimum downpayment instead of 20% despite of not having $290k income
The payments will still be high. They should not do it, but I know where you coming from.
She is FREELAND, everything is free lol
what is the best rate we can lock our interest rate from variable to fixed considering inflation in the future due to these changes?
3.5% is my target for the clients if you are on variable.
First time home buyer here, I live in Toronto and I welcome this new rule. I don’t totally agree with your analysis, ps: I am a CPA! The video smells lot of biases and one-sidedness. Novjot in the making of a mini Robert Kiyosaki😂
For 1 million house how much house hold income required.
Do watch the video. I have a calculation on that… around $200K household income .
The only logical reason I can think of keeping this is because of elections and this decision will keep the core voters aka older Canadians happy as they will not lose equity on their home till elections next year. A largely populist strategy.
Yes 💯 %
My mortgage is coming up for renewal. Are you interested in providing me a renewal option?
Sure, you can book a call from the link in the bio.
I am at the beginning of my "investment journey", planning to put 85K into dividend stocks so that I will be making up to 30% per year in dividend returns. Any advice?
Investing without proper guidance can lead to mistakes and losses. I've learned this from my own experience.If you're new to investing or don't have much time, it's best to get advice from an expert.
The issue is people have the "I want to do it myself mentality" but not equipped enough for a crash, hence get burnt. Ideally, advisors are reps for investing jobs, and at first-hand encounter, my portfolio has yielded over 300% since 2020 just after the pandemic to date.
Glad to have stumbled on this comment, Please who is the consultant that assist you and if you don't mind, how do I get in touch with them?
My CFA NICOLE ANASTASIA PLUMLEE a renowned figure in her line of work. I recommend researching her credentials further... She has many years of experience and is a valuable resource for anyone looking to navigate the financial market..
I just googled her and I'm really impressed with her credentials; I reached out to her since I need all the assistance I can get. I just scheduled a caII.
@growwithnav what's your take on its effects on the upcoming interest rates?
Thank you Navjot. Ever since I heard this news, I was waiting for your video because no one analysis this from the buyer and seller's perspective better than you. How honestly you addressed that these changes will somehow benefit mortgage agent and realtors but not really the First time home buyers. Kudos to your efforts. :)
Thank you 😊
Hey, do you think increase in house price means increase in rent for renters? 😅
Not really - maybe in the long run, but if more people can afford to buy, less would rent and the rents may come down.
Rental will go down in near future .so, those who will rely on rent to pay their morgage will stuck in long term .
Can someone choose between 25years or 30years Amortization.. Is it flexible
Yes
Time to move
Can I leave Canada??
Sure, if that’s what you want :)
@@growwithnav I actually don't want that. but things paves way for that! How the hell we can have a good life if Canada is these expensive to live a peaceful life. You answer me, SIR!!!??
Yeah man!! You have to give up peace for a few years to live a good life in canada. Totally understand your frustration.
@@growwithnav What do you mean few years ? You practically need to give up peace for all your life here in Canada ....
Hit $115k today. I'm really grateful for all the knowledge and nuggets you had thrown my way over the last months. Started with 14k in January
How please
I've been investing in Bitcoin by myself. I'm not really happy with what's going on, just few weeks ago I lost about $7,000 in a particular trade. Can you help me out or at least advise me on what to do?
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!I recently sold some of my long-term position and currently sitting on about 250k, do you think Nvidia is a good buy right now or I have I missed out on a crucial buy period, any good stock recommendation on great performing stocks or Crypto will be appreciated
As a beginner investor, it’s essential for you to have a mentor to keep you accountable.
Kristine Lynn Weber is my trade analyst, she has guided me to identify key market trends, pinpointed strategic entry points, and provided risk assessments, ensuring my trades decisions align with market dynamics for optimal returns.
I managed to grow a nest egg of around 120k to over a Million. I'm especially grateful to Adviser Kristine Lynn Weber, for her expertise and exposure to different areas of the market.
My colleagues had a good laugh at me when I told them I started my journey with $50k capital and how I accumulated over 6 figures within a span of 7 months. They never believed me until I pulled out my P&L.
I know that learning the ins and outs of the market isn't for everyone, that's why personally,Kristine oversees my investments.
Without a doubt! Kristine Lynn Weber is a trader who goes above and beyond. she has an exceptional skill for analyzing market movements and spotting profitable opportunities. Her strategies are meticulously crafted based on thorough research and years of practical experience.
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lag gai.....