THIS IS THE WEALTH LAB
Confidently go from confused and overwhelmed to building a wealth-generating portfolio in 60 days that will pay you dividends for years to come. The newly updated Wealth Lab program is the only step-by-step guide with a gender lens focus on impact investing that will allow you to feel good about building your wealth in a profitable, ethical, and sustainable way.
Where are you on your financial journey?
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You have limited to no financial knowledge.
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You might not understand basic financial concepts like budgeting, saving, or the difference between income and expenses.
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You might rely heavily on others for financial advice and decisions.
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You might be easily swayed by financial scams or misleading information.
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You have a heavy focus on day-to-day survival and immediate needs.
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Financial planning is not a priority.
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You have a basic understanding of financial concepts.
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You can create a budget, track expenses, and save for short-term goals.
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You are aware of different financial products and services but may not fully understand them.
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You might seek out financial advice but are still able to make independent decisions.
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You are starting to plan for the future and may have opened a savings account or retirement plan.
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You have a good understanding of financial concepts and how they apply to personal finances.
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You can create and follow a financial plan, including budgeting, saving, investing, and managing debt.
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You're familiar with various investment options and understand the risks and rewards involved.
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You can make informed decisions about investing and retirement planning.
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You are proactive about your financial future and you regularly review and adjust financial plan as needed.
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You possess a deep understanding of financial concepts and markets and can analyze complex financial information and make sound investment decisions.
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You are knowledgeable about a wide range of financial products and strategies.
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You can customize financial plans to meet specific goals and risk tolerance.
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You are confident and independent in managing finances and you may even provide financial advice to others.
$1 today is worth $17 in retirement but you’re only going to get there if you invest.
The Wealth Lab will empower you to:
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Understand the stock market: Navigate financial jargon with ease and demystify those crazy acronyms.
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Know your numbers: Confidently calculate exactly how much you need to reach financial independence and how to get there faster.
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Create a trading plan: Know when to buy and sell investments and what should be included in your portfolio at every step.
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Execute your first trade: Fearlessly build a profitable and sustainable portfolio for decades to come.
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Invest with impact: Ensure your hard-earned dollars are invested in companies you actually believe in.
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Plan your retirement: Understand exactly how much you need for your golden years and create a plan to reach that goal.
The stock market on average returns 10%+ per year.
The best time to start investing was 20 years ago,
the second best time is today.
What you get
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70+ Lessons
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35+ Worksheets
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Exclusive Online Community
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Monthly Live Sessions
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Unlimited Life-time Access
THE MODULES
Module 1:
How Your Money Makes Money
This comprehensive investment module is designed to equip individuals with the fundamental knowledge and strategies needed to navigate the world of finance and secure their financial future. Beginning with the importance of investing and the power of compound interest, participants will gain an understanding of how their money can grow over time. The module will then delve into indices, dividends, and capital gains/losses, providing insights into diverse investment options and their potential returns. Additionally, learners will explore the impact of inflation on their investments and discover strategies to mitigate its effects. Finally, the module will conclude by addressing the critical question of how much money is required for a comfortable retirement, empowering individuals to make informed financial decisions and plan for their long-term financial well-being.
Module 2:
Account Fundamentals
This module offers a comprehensive guide to investment accounts in Canada. It begins by demystifying registered accounts like Tax-Free Savings Accounts (TFSAs), Registered Retirement Savings Plans (RRSPs), Registered Education Savings Plans (RESPs), and First Home Savings Accounts (FHSAs). Each lesson will explore the specific features, benefits, and limitations of these accounts, providing clarity on their tax implications and contribution rules. The module then delves into unregistered accounts, explaining their role in an investment portfolio and how they differ from registered options. Participants will gain a thorough understanding of when and how to leverage each account type based on their individual financial goals and circumstances. Choosing the right brokerage is also crucial for successful investing, and this module will outline key factors to consider, such as fees, investment options, research tools, and customer service. Finally, practical lessons will guide participants through the process of opening and funding their investment accounts, ensuring they have the knowledge and tools to confidently embark on their investment journey.
Module 3:
Investment Fundamentals
This module offers a comprehensive introduction to the world of investments. It begins by exploring the fundamentals of stocks, bonds, mutual funds, index funds, and exchange-traded funds (ETFs). Participants will gain a solid understanding of how these investment vehicles work, their potential risks and rewards, and their role in a diversified portfolio. Beyond these core asset classes, the module will delve into other investment options, such as real estate, commodities, and alternative investments. This broader perspective will equip participants with the knowledge to explore diverse investment avenues based on their individual risk tolerance and financial goals. Ultimately, the module aims to empower participants to make informed investment decisions. By understanding the characteristics of different asset classes and evaluating their personal financial situation, participants will be well-prepared to choose the right investments to build a portfolio that aligns with their unique needs and aspirations.
Module 4:
Risk & Diversification
This module offers a comprehensive guide to the crucial concepts of portfolio diversification and risk management in investing. Participants will gain a thorough understanding of why diversification is essential for reducing risk and maximizing potential returns. The module delves into the roles of equity and fixed income assets in a balanced portfolio, equipping participants with the knowledge to make informed asset allocation decisions. Participants will learn to identify and assess various investment risks, enabling them to make well-informed decisions tailored to their individual risk tolerance. The module also addresses the common pitfall of home bias, educating participants on the benefits of diversifying their investments across different geographic regions. Beyond asset allocation, the module explores the importance of diversifying across different industries and sectors to mitigate risk further. Additionally, it delves into the psychological aspects of investing, examining how emotions can impact decision-making and providing strategies for maintaining a disciplined approach. Finally, participants will learn about the benefits of dollar-cost averaging as a method to reduce the impact of market volatility on their investments. By the end of this module, participants will have a robust understanding of portfolio diversification strategies, risk management techniques, and the psychological factors influencing investment decisions. Armed with this knowledge, they will be better equipped to build and manage a diversified investment portfolio that aligns with their risk tolerance and long-term financial goals.
Module 5:
Fees & Taxes
This module offers a comprehensive guide to the financial and tax implications of investing. Participants will gain a thorough understanding of the management expense ratio (MER), a crucial factor influencing investment returns. The module will demystify tax-loss harvesting, a strategy to offset capital gains and reduce tax liability. Participants will learn about the various taxes applicable to their investments, including capital gains tax, dividend tax, and interest income tax. Additionally, the module will cover the unique tax considerations for non-resident investors, ensuring they are well-informed about their tax obligations. By the end of this module, participants will have a solid understanding of the fees associated with their investments, strategies to minimize their tax burden, and the specific tax implications for both residents and non-residents. This knowledge will enable them to make informed investment decisions that optimize their financial outcomes while complying with tax regulations.
Module 6:
Advanced Investment Strategies
This module provides an in-depth exploration of specialized investment strategies and alternative asset classes. Participants will gain a comprehensive understanding of socially responsible investing (SRI) and gender lens investing, approaches that align financial goals with ethical and social values. The module will delve into the world of real estate investing, covering various strategies, potential risks and rewards, and the unique considerations associated with this asset class. Participants will also explore the complex realm of options and futures trading, gaining insights into these derivative instruments and their potential applications for hedging or speculation. By the end of this module, participants will have a broader understanding of the diverse investment landscape. They will be equipped with the knowledge to consider alternative investment strategies, including those that align with their personal values or diversify their portfolios beyond traditional asset classes. Additionally, participants will have a foundational understanding of the risks and potential benefits associated with options and futures trading, enabling them to make informed decisions in these specialized areas.
Module 7:
Gender Lens Investing
This module provides a comprehensive exploration of gender lens investing (GLI), an investment approach that considers gender-based factors to promote gender equity and drive positive social impact. Participants will first learn the fundamentals of GLI, understanding its principles, goals, and potential benefits. The module will then delve into practical strategies for identifying and evaluating gender lens investment opportunities, exploring various tools and resources available to investors. Participants will learn how to incorporate a gender lens into their existing investment strategies or build a dedicated GLI portfolio. By the end of this module, participants will have a deep understanding of gender lens investing and the tools necessary to implement this approach in their own investment decisions. Whether they are seasoned investors or new to the concept, this module will empower them to align their financial goals with their values and contribute to a more equitable and inclusive economy.
Module 8:
Building Your Dream Portfolio
This comprehensive module takes participants on a journey from novice investor to seasoned wealth builder. It begins with the fundamentals, establishing a solid foundation of investment knowledge and principles. From there, participants will learn how to craft a personalized investment portfolio tailored to their individual goals and risk tolerance. The module then progresses to practical steps, guiding participants through building a mock portfolio to test their strategies before diving into the real market. They will receive step-by-step instructions on making their first investment and building their portfolio from $10,000 to $50,000, $50,000 to $100,000, and beyond. Throughout the module, participants will learn essential skills like portfolio rebalancing, tracking performance, selling investments, and utilizing dividend reinvestment plans (DRIPs) to accelerate their wealth accumulation. The module also covers advanced concepts like the 4% rule and CoastFIRE, providing strategies for achieving financial independence and generating passive income. By the end of this module, participants will be equipped with the knowledge, strategies, and tools to build a robust investment portfolio, manage it effectively, and achieve their financial goals. Whether aiming for early retirement or simply seeking financial security, this module provides a roadmap to financial success through informed and strategic investing.
"For women, financial independence is a matter of necessity."
Carrie Schwab-Pomerantz
Alexa Young, CA
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Hey, I'm Janine
I built a half-million-dollar investment portfolio by the time I was 30. I’m a passionate TEDx and Keynote speaker, best-selling author of The Pink Tax, and an award-winning CPA and financial educator. I’ve been teaching women how to build wealth for over 13 years. I created this course during the pandemic to demystify financial jargon and empower women to build their own six-figure portfolios.
Building wealth is incredibly important as women – we live longer, are paid less, and are more likely to leave our money in cash, not earning enough to even keep up with inflation.
You work so hard for your money – why not make it work just as hard for you?
