Market. The populous governments that are getting elected don’t care about environmental issues. Environmental issues are not a priority. We are caught in this loop where people are caught up in the short term economic impacts of the green movement and the short term risks of building a green economy. We are in the middle of one of the best bull markets in history and now is the time we should be investing in the future. We should be taking this long term approach. Green technologies don’t need government support any more. Batteries are the last remaining piece of the puzzle of technology prices coming down. All it will take now is time. Trains will wear out and we will have to invest in new technology. Canada is so well positioned to take advantage of this position.

ETFs for Clean Energy like PZD- and QCLN-. There aren't any on the renewable energy index in Canada. There is the renewable and clean energy index but it has not been turned into an ETF yet. There is a mutual fund – Mackenzie global environmental equity fund. You might buy the 'F' series for the lower fees. This is the best option in Canadian dollars right now.

Social Impact Bonds. These are not publicly traded securities. These are things like community bonds & green bonds. 'Co-power' is a private placement for energy efficiency projects yielding 5%. A social impact bond is a sub-set of bonds focusing on preventative measures. In Canada it is with the heart and stroke foundation where they partnered investors with preventative programs. It has been successful and represents huge savings. It is only available to accredited investors. It can be tricky to get them into an RRSP.

Market Outlook - 2019 has started as well as 2018 ended badly. Are we going back down? that is the question clients should be thinking. Bank of Canada will more than likely follow the Fed lead. There are multiple levels of uncertainty, but the about the rates increases is kind of removed. The Canadian unemployment rate is the best it has been in 30 years. Some investors are saying it has been too good for to long, then people start looking for reasons for a recession. His team doesn't see one coming. Real estate has been moving up for years at a 30% per year in key markets. Going up from here in RE would be a challenge even if interest rates go down.