Threats
Section titled “Threats”AI will soon be able to provide education, analysis, implementation and monitoring of many investment strategies, probably for free.
- How does this impact my $MART DEBT strategic plan? Should I continue to build a $MART DEBT education and analysis app? Or should I partner with Nexus trade or similar? Or should the app be AI agent driven for both personalized education and analysis?
- A: Stick to original plan. It will take many years for AI to replace well-designed and valuable user experiences delivered by a trusted leader in client-first education, analysis, and strategies. Even when quality education is available free (like you can now get online for every financial topic), many will prefer a trusted human solution.
Finance AI Developments
Section titled “Finance AI Developments”- Anthropic launches finance-specific Claude with built-in data connectors, higher limits and prompt libraries (2025JL); Claude for Financial Services
Leveraged Investment Products
Section titled “Leveraged Investment Products”- In recent years, investment products that use leverage conservatively have entered the Canadian and US investment markets
- Hamilton ETFs
- HFN: 25% leverage on Canadian bank stocks
- Investors Group introduced an investment product with 30% leverage (2025)
- Hamilton ETFs
- Bull/Bear Leveraged ETFs
- In the US, two and three times leverage on equity indices have been available for many years, but these initially came with daily resets that did not result in expected long term magnified gains and losses.
- Recent developments have tried to reduce this negative impact by having monthly or quarterly resets, giving more predictable medium term outcomes
- Leveraged Products Trend
- Investment product innovation will only continue, including products that use leveraging in various ways
- In the US, a new 401(K) offering provides savers $4 of leverage for every dollar invested, an industry first.