Is real estate passive?! We look at real estate investing strategies, ranking 15 different approaches from most active (fix-and-flip) to most passive (turnkey rentals, REITs, and syndications).

• We explore the spectrum of real estate investment strategies, emphasizing that true passive income requires either upfront work to build systems or choosing inherently passive vehicles from the start.
• The more you do yourself in real estate, the less passive it becomes—the path to passive income involves either hiring property managers, partnering with experienced operators, or investing in vehicles like MICs and crowdfunding that require minimal involvement.

Exchange-Traded Funds (ETFs) | BMO Global Asset Management

UGLY SWEATER HOLIDAY PARTY

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Canada's Budget 2025 and its impact on housing policy. The hosts critique the $25 billion housing investment as insufficient, noting it includes infrastructure conditions, a limited GST rebate, immigration cuts, and controversial OAS spending — while the construction industry warns of job losses.

• The federal HST rebate on new homes up to $1 million only helps about 20,000 buyers per year nationwide — essentially a political soundbite rather than a broad affordability solution.
• BILD and the Large Urban Centre Alliance criticize the budget for relying on backward-looking data while new-home sales have collapsed 67-82% across major markets, warning that 100,000 construction jobs are at risk.

Exchange-Traded Funds (ETFs) | BMO Global Asset Management

UGLY SWEATER HOLIDAY PARTY

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Canada's housing market in 2025 is stuck in neutral—not booming or crashing, but stagnant. Despite interest rate cuts, buyer confidence remains low due to employment uncertainty and immigration policy reversals, creating a prolonged stalemate between cautious buyers and reluctant sellers. We're also joined by some of our national event hosts for some boots on the ground updates.

• Toronto has seen home values drop 25% since 2022 with condo prices down 7.5% year-over-year, while Winnipeg posted 7.2% price gains and Calgary remains 35% above pre-pandemic levels.
• Canada's population growth will hit near-zero in 2025-2026, down from 3%+ recently, with permanent resident targets reduced to 395,000 in 2025 and 365,000 by 2027, profoundly impacting rental markets and housing demand.

Exchange-Traded Funds (ETFs) | BMO Global Asset Management

UGLY SWEATER HOLIDAY PARTY

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