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Larry Bates

Beat the Bank: The Canadian Guide to Simply Successful Investing Paperback – Sept. 16 2018

by Larry Bates (Author)

535 ratings

in Accounting in Finance

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Make the big banks work for you, not against you!

You work hard. You sacrifice to save. You risk your money in the market over your working lifetime and you trust your bank to treat you fairly. But your bank strips away half of your lifetime investment returns in fees, costing you tens of thousands, or even hundreds of thousands, of dollars. Without realizing it, millions of Canadians are in precisely this position.

How does the industry pull this off? The big Canadian bank, and by extension our entire financial industy, brilliantly capitalize on the combination of individual investors' poor understanding of fees, deep loyalty, and misplaced trust by charging Canadians the highest investment fees in the world. There is a better way!

Larry Bates, a former senior banker and investment industry insider turned investor advocate, reveals industry secrets and tactics that most hard-working, hard-saving Canadians need to be aware of to beat the banks at their own game.

Provides a step-by-step guide to investing that slashes banking fees and can potentially double investment returns.

Shows how to build a larger retirement nest egg by switching from high-cost mutual funds to more efficient, low-cost investment products.

Outlines a simple approach to investing that takes just a few hours each year to implement.
Offers the knowledge and tools to achieve the long-term investing success you and your family deserve.

Beat the Bank proves that you don't need to be an expert to invest successfully . . . you just need to know the basics. It's easy when you know how!

Print length

208 pages
Language

English
Publisher

Milner
Publication date

Sept. 16 2018
Dimensions

15.29 x 1.3 x 22.81 cm
ISBN-10

1775343707
ISBN-13

978-1775343707
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Product description

Review

"The Wealthy Barber taught Canadians the importance of saving. Beat the Bank will teach Canadians the importance of investing well." Wanda Morris VP of Advocacy, CARP

"Larry Bates offers a detailed look at everything that's wrong with our "traditional" investment model and even more importantly, shows readers just how easy it is to invest their money simply - and successfully. A must read." Robert R. Brown, Author of Wealthing Like Rabbits, An Original and Occasionally Hilarious Introduction to the World of Personal Finance

"...enlightening, horrifying, entertaining and enormously useful" Neil Gross, former Executive Director, FAIR Canada<br.>
"If you wonder why your bank-sold mutual funds are going nowhere, Larry Bates has the answers." Ellen Roseman, Toronto Star consumer columnist and investing instructor at University of Toronto school of continuing education.

"Millions of Canadian mutual fund investors unknowingly pay fees that erode their returns by as much as 50% over time! Industry insider Larry Bates clearly explains how, why, and what you can do about it." Robb Engen, Boomer & Echo

"Larry shares some powerful stories over his 35 years as an investment banker. It's like you're a fly on the wall in his office. Beat the Bank should be required reading in Ontario's new financial literacy course in high school." Sean Cooper, Bestselling Author of Burn Your Mortgage and Mortgage Agent

About the Author

Larry Bates is a former senior banker and investment industry insider turned investor advocate, author, and speaker. He shows how you can build a larger retirement nest egg by switching from high cost mutual funds to more efficient, low-cost investment products. And you can do it in a couple of hours a year.

Larry Bates reveals the secrets, decodes the mystery and provides a simple, step-by-step guide to investing, proving conclusively that you don't need to be an expert to invest successfully...you just need to know the basics. It's easy when you know how! For more about Larry Bates go to www.larrybates.ca

Product details

Publisher ‏ : ‎ Milner; 1st edition (Sept. 16 2018)
Language ‏ : ‎ English
Paperback ‏ : ‎ 208 pages
ISBN-10 ‏ : ‎ 1775343707
ISBN-13 ‏ : ‎ 978-1775343707
Item weight ‏ : ‎ 281 g
Dimensions ‏ : ‎ 15.29 x 1.3 x 22.81 cm

Best Sellers Rank: #870 in Books (See Top 100 in Books)
- #1 in Accounting in Finance
- #1 in Retirement Planning (Books)
- #4 in Accounting Industries & Professions

Customer Reviews:
535 ratings

About the author

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Larry Bates

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Larry Bates spent 30 years in the investment banking business in both Canada and the United Kingdom. He recently shifted his focus to investor advocacy with the launch of his website, wealthgame.ca, which is focused on providing Canadians with a better understanding of investment basics.

A graduate of Dalhousie University, Larry currently serves as a Member of the Investor Advisory Panel of the Ontario Securities Commission and is a member of the Transparency Task Force which advocates for greater transparency in the global financial services industry.

Customer reviews

4.7 out of 5

535 global ratings

5 star		78%
4 star		16%
3 star		4%
2 star		1%
1 star		1%

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Top reviews from Canada

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Nathalie

Total eye opener - wish I had read the book earlier

Reviewed in Canada 🇨🇦 on March 18, 2023

Verified Purchase

Highly recommend this book. I wish I had read the book earlier it would have save me lots of investment hidden fee.

Reviewed in Canada 🇨🇦 on February 12, 2023

Verified Purchase

I did not think I was paying these high fees for my investments. Turns out i was paying many fees I didn’t know about. This book has inspired me and gave me the knowledge to switch from high fee mutual funds to AIY investing. Now I can’t stop learning about it all.

One person found this helpful

Helpful

Vince

A MUST READ for all Canadians!!

Reviewed in Canada 🇨🇦 on December 23, 2022

Verified Purchase

By far a MUST READ for all Canadians. Once I started it I could not put it down and refused to watch any TV or social media ect. The author was very knowledgable and honest in everything most of us Canadians have no clue in nor will they teach us this in schools. I called out a lot of banking people I personally know and gave them a peace of my mind and left them dumb founded on how I found out what they’ve been doing to Canadians for years. READ THE BOOK.

2 people found this helpful

Helpful

Tony CI

Good book, a bit repetitive though

Reviewed in Canada 🇨🇦 on January 17, 2023

Verified Purchase

Very good information. The book could have been condensed a bit perhaps.
Some solid points specific to the Canadian industry which is something I was looking for.

One person found this helpful

Helpful

Alan

Things I wish I knew

Reviewed in Canada 🇨🇦 on December 22, 2022

Verified Purchase

Had two people help me with my finances. One suggested I understand more about the banks and fees. The other advised me to find evaluate the services I was receiving. Both have impeccable carriers in finance. Book was a good education. Wish I had read it 30 years earlier. Helps to understand what no one is telling you and plan accordingly.

One person found this helpful

Helpful

Su Mu

Clearly written and easy to understand

Reviewed in Canada 🇨🇦 on January 11, 2023

Verified Purchase

This book is a MUST read for anybody. I wish I would have read it sooner in life.

Helpful

Yujing Chen

One cannot escape inflation but can minimize fees and taxes

Reviewed in Canada 🇨🇦 on November 7, 2022

Verified Purchase

I sailed through the book in a couple of hours. This is a very easy read and a solid confirmation of what I came to realize some years ago. It is a good reminder that one should avoid paying fees (such as what mutual fund charges) and construct the portfolio in a way to minimize tax (which is not all that hard, interest, dividend and capital gain are taxed differently).

3 people found this helpful

Helpful

Karan Sharma

T-REX scores!

Reviewed in Canada 🇨🇦 on June 7, 2022

Verified Purchase

The author covers the basics well and introduces us to his T-REX calculator which is a good tool to judge the portfolio we'd like to invest in. The flow of the book - the quotations and examples are lucid and get straight to the point. Simply successful investing does not have to be complicated, and the author gives us examples of sample portfolios depending on the individual's risk tolerance.

One person found this helpful

Helpful

Top reviews from other countries

Lilu

Awesome investment insights for newcomers in Canada

Reviewed in Brazil 🇧🇷 on September 10, 2019

Verified Purchase

I’ve started to invest through Canadian online brokers by myself. As a newcomer in Canada and in my late 40s, it was challenging dealing with the myriad of investment options I had access. After had read BtB, it became so simple knowing exactly what to do and where to allocate my money.

Christel Schmidt

Helpful and very Canadian

Reviewed in Germany 🇩🇪 on December 16, 2018

Verified Purchase

Interesting and finally a Canadian perspective!

Jordan N.

Must for all Canadians

Reviewed in the United States 🇺🇸 on June 10, 2020

Verified Purchase

There is a great choice of investment books for Americans. Some ideas are universal and you can apply them anywhere. However, there are some differences when it comes to some tax shelters that are available. E.g. we don't have Roth IRA (TFSA is similar), 509 (we have RESP), 401(k)... Some programs are similar, but when working with numbers any difference may be significant. So, we can't take full advantage of some great American investment books. Larry Bates is Canadian, writing for Canadians.

However, some ideas are universal. Start early, invest in ETFs instead of Mutual Funds, and leave your investment to grow. Plan for decades, and trust the power of North American market. Don't worry about fluctuations and crashes.
From that perspective, I believe it will be highly beneficial to Americans.

This is not a book for daily investors, but for people who prefer to spend few hours per year on management of their investments.

One person found this helpful

sunbyrne

Yikes...highway robbery that punches your lights!

Reviewed in the United States 🇺🇸 on November 10, 2018

Verified Purchase

Larry explains, guides and opens a door to the world of how banks take a chunk of your investments gains.

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Beat the Bank: The Canadian Guide to Simply Successful Investing Paperback – Sept. 16 2018

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