Matthew Bailey, Investment Advisor of RBC Dominion Securities Inc.

Home
Canada
Winnipeg, MB
Matthew Bailey, Investment Advisor of RBC Dominion Securities Inc.

I Partner With Loving Families To Find Clarity, Remove Stress, and Create Financial Confidence.

10/23/2026

I recently heard that the word wealth has its roots in well-being.

The more I think about that, the more it resonates with me.

Recently, my wife and five of her friends trained for and completed a HYROX together.

They had an amazing race day, but what stood out to me was everything that happened leading up to it.

Months of training together, pushing each other, building friendships, and having something they were all excited to work towards.

The race was the goal, but so much of the joy came from the journey.

It’s something I’ve noticed in my own life, too.

When I have a physical challenge I’m working towards, I find the benefits reach well beyond fitness.

More energy, more confidence to take chances in business, and more patience to be the present father I aspire to be.

There’s a quote I keep coming back to:

“Self-esteem is the reputation you have with yourself.”

I think there’s a lot of truth in that.

I’ve found that every time you follow through on something difficult, you build a little more belief in yourself, and that tends to show up in other parts of your life, too.

I spend a lot of my time helping people build financial freedom, but I believe true wealth also comes from our health, relationships, and having a sense of purpose.

We often think about wealth as something we're building toward, when so much of what makes life rich comes from appreciating where our feet are today.

10/22/2026

Over the last 25 years, the same pattern keeps repeating.

When markets experience pullbacks, investors tend to pull their money out.

Different crises, different circumstances, but same human behavior.

And the most difficult part? Nobody knows where the bottom is until it's behind us.

Looking back, those market declines seem like obvious buying opportunities, yet putting money to work at the time can feel like the irrational thing to do.

Most investors know market declines are inevitable. Yet when they happen, we often feel compelled to do something, as though taking action is the rational response.

The challenge isn't knowing that markets will have pull backs. It's trusting your investment strategy and financial plan when they actually do.

And that's easier said then done!

Having a plan that accounts for what's important to you, when you'll need your money, and whether you're still on track make these periods a little easier to navigate.

There's a human side to this, too!

Watching investments decline isn't comfortable. Sometimes having someone you trust to talk through your concerns with is just as valuable as reviewing the numbers themselves.

And for those fortunate enough to have capital available, these uncomfortable periods can also create some of the best investment opportunities.

The goal isn't to know what markets will do next. It's to have a plan you're confident following when markets inevitably get uncomfortable.

10/08/2026

One thing I’ve noticed watching successful business owners grow is that what gets the business to a certain point can eventually become the thing holding it back.

In the early years, the owner is often the best salesperson, problem solver and decision maker.

That’s usually part of why the business succeeds.

But eventually there are only so many decisions one person can make and so many people who can report to them.

The owners I’ve watched successfully make that transition seem to have a mindset shift.

They stop trying to be the answer to every problem and start building people who can answer problems without them.

That means finding great people, trusting them with real responsibility and being willing to pay for talent.

A new truck or piece of equipment can increase capacity.

A great leader can multiply it.

At some point, growing the business becomes less about what the owner can do and more about how many capable people they can develop around them.

10/07/2026

One of the hardest parts about compounding is that it doesn’t feel very impressive at first.

If you have $100,000 invested, a 7% return is $7,000.

Helpful.

But for a business owner used to seeing much bigger numbers move through their business, $7,000 can be pretty easy to dismiss.

I think that’s one reason building wealth outside the business can feel underwhelming in the early years.

Somewhere around $300,000 to $500,000, I find the math starts to feel different.

At $500,000, a 7% return is $35,000.

At $1 million, it’s $70,000.

At $3 million, it’s $210,000.

Same return.

Very different perspective.

For many owners, the business will create most of their wealth.

But slowly building productive assets outside of it can eventually create something just as important: OPTIONS!

The confidence to keep growing the business knowing your family is taken care of.

The freedom to enjoy some of what you’ve built while you’re still building it.

And eventually, the ability to fund your life without depending on the business at all.

The magic isn’t extraordinary returns.

It’s getting to the point where ordinary returns become meaningful.

10/06/2026

Warren Buffett once said, “Interest rates act on financial valuations the way gravity acts on matter.”

We spent more than a decade investing in a world with very little gravity.

When yields were near zero, there simply wasn’t much return available from the starting yield on a bond. Investors became much more dependent on equities, and rising asset prices generally, to generate returns.

That world has changed.

Higher rates create more gravity for stock valuations.

But there’s another side to that equation that I think gets overlooked.

Higher rates also mean fixed income can actually do more work.

Today, higher starting yields mean the fixed income side of a portfolio can contribute meaningfully to returns again.

Equities can provide the growth engine.
Fixed income can provide income, stability and liquidity.

And when starting yields are higher, you don’t necessarily need to ask as much from the equity side of the portfolio to achieve the same overall objective.

Higher rates create more gravity for valuations.

But they also give investors more return to work with outside of equities.

Sometimes the same thing creating a headwind for one part of a portfolio creates an opportunity in another.

09/30/2026

If everything is important, nothing is important.

I see this show up in business all the time.

Most owners don't have a shortage of good ideas.

They have too many......

The hard part isn't knowing what to do.

Its figuring out what actually moves the business forward and saying no to the rest.

09/29/2026

One thing I’ve come to appreciate more and more is the idea of return on hassle.

I spend a lot of time with business owners who have spent decades building and accumulating wealth.

And at some point, I think the conversation starts to change.

It becomes less about how do I earn the highest possible return?

And more about what does this investment ask of me?

More of my time? More decisions? More complexity? And how easy is it to actually use the money when I want to?

That’s one of the things I think gets overlooked with public equities.

You can own pieces of great businesses around the world without another employee, tenant, property or problem to manage.

And when you want to enjoy some of what you’ve built, you can sell a little and go live your life while the rest stays invested.

That doesn’t make other investments bad. For many business owners, those investments are exactly how they created their wealth.

But once you’ve accumulated enough, return on hassle starts to matter a lot more.

Maybe the question becomes:

How much more return would I need for an investment to be worth more of my time, complexity and attention?

09/24/2026

What do buyers actually pay for?

It really comes down to confidence.

How confident is someone that your business will keep producing its profits into the future?

Is the revenue dependable?
Recurring revenue, strong margins and substantiable growth.

Can the business succeed without you?
A strong management team, good systems and a business that can transfer to someone else.

How much risk comes with it?
Customer concentration, supplier concentration and the quality of the financials.

How much opportunity is still ahead?
Market size, competitive advantages, and room to grow.

The more confidence someone has in those answers, the more they may be willing to pay for the profits the business produces.

And these are worth building long before you ever plan to sell!

09/23/2026

What makes one business worth 4x profit and another worth 8x?

It's a question more business owners should understand long before they ever think about selling.

At its simplest, the value of a business comes down to two things:

1) Grow sustainable profit.
Increase the profit your business can consistently produce.

2) Make that profit more valuable.
Build a business someone can confidently expect to keep producing those profits.

The math itself is pretty simple:

Sustainable Profit x What Someone Will Pay for It = Business Value

But here's what's easy to miss 👇

Growing profit is only one lever.

Building a better business can make every dollar of profit you already earn worth more!

So, what actually makes that profit more valuable?

09/22/2026

The skills that built your business may not be skills that take it to the next level.

Most businesses evolve through three stages: 👇

1) Owner-run:
You create the results.
How do I get everything done?

2) Professionally run:
People and systems create the results.
How do we make this work without me?

3) Scalable enterprise:
Leadership deploys people and capital to create more results.
Where should our next dollar and our next great person go?

Your business doesn't become more valuable simply because you become more productive.

It becomes more valuable when the business can create more beyond you.

For the business to grow, the owner must grow!

Address

3100-201 Portage Avenue
Winnipeg, MB
R3B3K6

Website

https://ca.rbcwealthmanagement.com/matthew.bailey/

Alerts

Be the first to know and let us send you an email when Matthew Bailey, Investment Advisor of RBC Dominion Securities Inc. posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.