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Show Summary:

Unlocking High Returns with Foreign Currency Trading featuring Robert Tyrer hosted by Gillian Irving

In this episode of the Wisdom Lifestyle Money Show, host Scott Dillingham is joined by expert investor Robert, specializing in foreign currency trading, and mortgage agent Jillian, who has leveraged Robert's services. They dive deep into Robert's journey from a traditional banking career to becoming a successful foreign currency trader after meeting a mentor who transformed his trading approach. Robert emphasizes the importance of looking at the bigger picture, following patterns manipulated by big institutions, and mastering the mental game of trading. Highlighting a unique trading strategy that has yielded an average of 10.8% monthly compounded returns for his clients, Robert discusses the flexibility of investment with his company, the process of managing funds, and the importance of transparency and risk management in trading. The conversation also touches on the possibility of investing registered funds in the future and concludes with contact information for interested investors.

00:00 Introduction and Guest Presentation

00:38 Robert's Journey into Financial World

02:29 The Art of Foreign Currency Trading

04:21 The Ups and Downs of Trading

04:54 The Power of Compounded Returns

06:52 The Flexibility of Investing with Robert

16:12 Investing Registered Funds and Future Plans

21:21 Final Thoughts and Contact Information

Welcome to the Wisdom Lifestyle Money Show.

I'm your host, Scott Dillingham, and today I have two guests with us today.

We've got Robert, who specializes, he's an expert investor in foreign

currency trading, and then we have Jillian, who is a mortgage agent on

our team who's leveraged Robert in.

services and we're going to talk about all this stuff.

It's going to be a super exciting episode because I know as an investor,

we're always looking for the next best thing and I think this is it.

So welcome guys.

Hey, thanks.

Thanks Scott.

Hey Rob, nice to see you.

Nice to see you as well.

Thank you for having me, Scott.

Yeah, no worries.

No worries.

So Rob, every show that I host, I always start with, your childhood and

how you got to, where you are today and what trials, tribulations, things

that you learn, that type of thing.

So do you mind sharing your story?

I haven't gone through many trials and

tribulations, but I've had a couple.

So we'll start right up the very beginning.

I grew up in Niagara Falls lived there most of my life.

I got my start into the financial world.

Really, when I turned 12 and learned about compound interest, that magical

8th wonder of the world, but formally, it got my start in the financial world

when I joined TD Canada Trust back in 2006 as a bank teller I was there for a

little bit I think it was 3 years until I worked my way up to a sales role.

And then did a lateral transfer over the same year to CIBC where I

started as a salesperson and then work my way up to branch manager

role a year and a half later.

I'd like to say it was all skill and my brilliance, but

really, it was right place.

Right time.

So I was very lucky in that regard because I was still fairly young.

I was only 23 at the time and yeah.

Learned a lot, made a few mistakes along the way, but thankfully had a wonderful

boss, the district vice president, who was a very good mentor in my financial journey

ended up leaving CIBC in 2015 because I.

Gone to school for accounting, got a couple of diplomas there through

Niagara College and Northern College in Northern Ontario and then headed up a

finance department in Moosonee, Ontario children's aid did that for a couple

of years and realized that I didn't really want to do that anymore because

I'd always had this burning desire to.

Use my gift of understanding patterns and numbers to really help people

because all throughout my time in banking, I really saw a broken

system that didn't really care about.

Didn't care about people and I wanted to do something to change that.

And I've always had a passion for trading.

Start since starting back in 2008 in stocks and then flipping

over to current season 2012.

But I was never really, the problem was I was never really good at it.

I was, I would say I was terrible at it up until I met my mentor for in 2016.

He was based out of South Africa at the time.

He's still there.

He, we're now good friends.

And he really taught me a vastly different way of trading.

He taught me to get out of the retail mindset, stop focusing on the short term

movements and trying to profit from them.

Because where the real money can be made is when you take a step back and take

a look at the much bigger picture, the one that the institutions with access to

billions of dollars of capital are looking at, where they can really move markets.

And then just take trades based off the manipulations.

It's as simple as that.

The pattern that I look for, anyone can learn it.

Anything can be taught.

It's whether someone's willing to receive it and then action it,

is where the difference is made.

And I was one of the ones that actioned it.

It took me from the time I met my mentor in 2016 about a year to really get the

strategy down to a science and then also master the mental game of trading because

really when you're trading, there's a huge psychological component that goes into it.

And my friends and family kind of joke with me at that time, an emotional robot.

And my, not just my work life, but also my personal life.

So sometimes I forget to flip the switch and, become that personable

guy that actually has feelings.

So it's pretty funny when I am actually trading.

Cause I don't feel it anymore, but I.

I have been told that I have ice running through my veins and you have

to so once once I got what I wanted to do for people with what I'm good

at down I opened up my company in May of 2020 and then started taking

on clients around July, August 2021.

And we had some initial success with it and then October,

November and December of 2021.

Here comes the, those losing trades that I was talking about earlier.

We had those three months, we're all losing months.

We lost, I think, I believe it was a cumulative total of around

eight and a half percent or so.

But then the following three months.

Made it all back and then some and we've been cruising ever since so I mean since

inception since the company got going.

We've been rocking and rolling with the net client return of about 10.

8 percent a month compounded.

I would love to continue that streak.

Can you say that again?

I think you went by that really fast.

Is that 10.

8 percent a month because people normally think that's a year.

Okay, a month.

Thank you.

Carry on.

And that

we're

going to come back to that.

Yeah, that's a compounded return and I would love to continue that streak

and we have been going pretty well.

But like I said, you can't rely on historical data.

It can help.

With your future outlook, but it's by no means a guarantee that

it's going to continue to happen.

I've had months where it's been more than the 10.

8 for clients.

I've had months when it's been less.

So you really get everything in between.

But at the heart of all this, I genuinely love what I do, because at the end

of the day, hey, just recently, while we have been in New Zealand, I was

talking with a mate of mine, and he was like, you're a socialist capitalist.

I was like.

I've never had anyone call me that before, but that makes a lot of sense

because really what I want to do is while making money is awesome and

it allows you to, if you're the type of person that likes things, you can

buy things, but I'm my wife and I are more on the experience side of things.

We love to have those experiences and I love to see.

Others succeed as well in their financial at the very

least in their financial world.

So I want, as the company grows, I want, I'm not in it to make a ton of money,

but I do get paid well for what I do.

But I want to see us all rise together and really change the

landscape of how the traditional system operates and treats people.

That's really at the heart of this because it'd be really cool to have BlackRock

levels of assets under management.

Maybe I'll get there one day, maybe it won't.

That's not a concern for me.

Where I want, what I want to do is be at least a contributor to the

change in the traditional system.

That's super cool.

I have some questions.

I don't know about you, Jillian.

Do you have any questions?

Cause I started this off and then I'll ask.

Why don't you get started, Scott, because I've had so much

experience already investing in with Rob.

So why don't you ask your questions from the beginning and I'll pipe

into you as a client, if I can help

along the way.

Yeah.

So my first thought for anybody hearing this is I think they're

going to be excited and they're going to say that's, crazy past returns.

Hopefully the future returns, maintain and people I'm sure are

going to want to get started.

So a couple thoughts that come to mind is minimum investments and how long do you

recommend, or do you have a minimum that an investor keeps their funds locked in?

So I know that's two separate questions there, but I'll

let you cover those and then.

There's more,

yep.

So for the first part, the minimum investment, I have no minimum investment.

There is criteria that you have to fit in because I'm a private

issuing company at the moment.

I'm waiting on the official portfolio manager designation.

I'd hoped it would be in place by the end of this year.

It has not.

So we're looking at 2024 for that.

Hi.

If you fall within one of the different exemptions there's a there's

a nonprofessional exemption where you have to invest 150, 000 or more.

Into it to qualify under that exemption, or if you are friends or family, or

a business associate of anyone that's in the company you can do business

eligible investors and accredited investors are accepted the difference

there being income and asset levels.

With eligible investments, eligible investors you can only invest

up to 100, 000 in a 12 month period across all exempt markets.

And then obviously accredited investors you're a bit more sophisticated so

you're able to invest whatever amount that you want over a 12 month period.

And then there's a few other exemptions that I haven't utilized yet but are

available but you can find those on any Securities Commission websites.

Okay, and then minimum investments the

links.

Yeah, because you mentioned you look at trends, right?

And then you invest based on that.

Not necessarily the daily stuff.

With that being said, some trends take time.

So that's why I'm wondering if that's true.

There's a minimum time that you would recommend.

Oh, the locked in.

No, there is no locked in.

You're because at the end of the day, this is the customer's money.

They're free to do with it what they please.

The only thing they can't do is take out more than what they have in their account.

And the traditional banks and investment houses, brokerages,

they have that same rule.

Funnily enough so there's no locking in period.

Obviously, the longer you have it in there, the better chance

at returns that you have.

For an average trade that I do I'm looking at the charts on a daily basis,

but in a month, I'm doing anywhere from four to about eight trades in a month.

So I'm not actually doing a trade every day because the market

giveth and the market taketh away.

So I'm only looking for a specific pattern and if the pattern is

not present, There's no trade.

So the longer you're in, the better your odds, the shorter you're in.

There's still a chance, but you have a much better shot at the longer term.

Nice.

Can I just jump in for one second here?

This is one of the appeals to me as an investor investing with Rob is

I'm an accredited investor, so I can use other exempt market facilities

to invest, which I do, because I'm always looking as a real estate

investor and as an investor in general, looking for above average returns.

But this is what I like about for the people and Rob is that

your money isn't locked in many of these exempt market issuance.

And so the returns on those expenses are really long term.

Like your money is it does well, but it's locked away for three years or

four years or five years or whatever.

And so while the return does well, it's completely illiquid.

Whereas Rob's you can take out money however you want.

Like you want to leave it in for six months.

That's great.

Doubles in six months, almost, or mine has anyway.

And you can take it out or you can take it out monthly if you want.

And so it's a real advantage of a program like this because it is completely

different from other exempt markets.

Things is that it's not locked in.

It's amazing, which

is super cool.

Yeah, I agree.

No question for you, Robert.

I know you mentioned the returns.

Is that the compounded return or is that the monthly that you're getting in

the compounding can be greater if the funds stay invested with you for longer?

Yes, and yes.

So the monthly, the 10.

8 that I referenced before, that is a monthly figure.

So with my trading how it all works is at the beginning of the month, let's

say you have 100, 000 in your account.

All of the trades that I made, that I do in that month will be based off of that

balance at the beginning of the month.

So if I'm risking 1%, I risk 1, 000 per trade, and that is 1, 000

per trade throughout the month.

At the end of the month, the account balance resets.

And now you have, I don't know, 110, 000 in your account.

Then I'll base the risk off of that.

So it just keeps going like that.

Yes to the monthly compounding.

And then yeah it's compounded.

That's super cool.

And we don't have to share the details here, but that's

what this is from what Jillian told me.

And maybe you'll clarify in case I'm wrong here, but that the return you're stating

that's what the investor gets after fees.

So technically the returns even greater.

And then you take that.

So for somebody listening it's not that.

And then the fees like that's after the fact.

Yeah, that is net of fees.

That number.

Yeah.

Which

is super cool.

Yeah.

The most.

The most ridiculous month I ever had was, I believe it was September of last year.

It was net to the customer.

It was like 23.

6%.

So in that month on a gross basis before fees, we had traded over

50 percent that month alone.

That was a fantastic month.

And I wish I could replicate that every month because then

we'd be growing crazy quick.

But that's a.

So far it's a one off.

Yeah, my best month was 15, 15.

4 percent I think.

That's what I got.

That was a great, that was a great

month.

Now, I like you, we actually used to work for the same bank, the Red Bank.

And during the same years actually, I was just the mobile mortgage advisor and you

were probably on their investment side.

I know during that time they opened up like the mobile investment specialist.

Is that what you were doing?

No,

I had not done that.

I was just a regular I think this was the TD phrase, but the regular

financial sales representative.

Okay.

In the branch.

So mutual fund on that end.

Yeah.

Open the bank accounts, checking accounts.

Do a couple mortgages a year.

Yeah.

Yeah.

I know the, they had the same position at CIBC.

So Cool.

No, that's super cool.

Now, question for you, so one of the things that I was doing when I started

at the bank or what got me into it.

As I would tap into a secured line of credit, I would purchase an equity,

dividend paying equity, and I use the dividends to pay my monthly line

of credit interest, and then the equities grew naturally over time.

So is that something that an investor could do with you as well, right?

Give you access to their line of credit funds, let's say, and

then are you able to pay them?

To pay the profits, but keep the initial investment invested.

Yeah, as I said before, at the end of the day,

this is the customer's money.

I just manage it and trade it.

They're free to do whatever with it that they please.

I've had people that have invested me with since.

Since day one, they've been with me.

They haven't taken anything out.

I have people that take out monthly.

I have people that because of what I do, it's increased their tax bill

significantly at the end of the year.

So they'll just take out the difference from their investment with me to

be able to pay their tax bill.

So it's very customizable.

Okay.

No, that's

super cool.

That's awesome.

And just makes me want to get mortgages on all these.

Places that have like extra mortgages.

And here you go, and I should,

I just want to interject to, oh, sorry.

So I feel like, sorry, there's a bit of a lag.

Um, I've also made investments in Canadian funds and US dollar funds with Rob.

So you don't even care about the currency either.

So I feel like there's so many ways of being flexible.

One, you can use different currencies and do a currency play.

That one I've let ride, but my Canadian one, I'm going to take out money monthly.

Okay.

So there's just so much.

There's so much flexibility.

And by the way, that the Canadian funds that I took out, I did

that on my line of credit.

So I fully I'm going to do a sort of a rate arbitration.

You're going to pay me likely pay me.

I know it's not a guaranteed rate of return, but in a month

what I'm expected to pay.

In a year for my money credit.

So it makes sense.

We'll clear that off in a year.

Yeah, super.

Yeah, it's important when we're talking about lending to invest that,

borrowing to invest is a bit riskier than traditionally taking your liquid

investments, but it's, I just feel like we need to get that out to, to

make sure that our bases are covered.

Yeah, for sure.

For sure.

Yeah.

And we're working with real estate investors all day.

They are used to leveraging to invest but you're right.

I'm glad you threw that little disclaimer there because we don't know

who's going to listen to this, right?

Yeah,

and I'd say one other question I get a lot when I talk to

people, Rob, they want to know if they can invest their registered funds with you.

Everyone's I want to put my TFSA with Rob.

Is that possible?

It is not at the present time.

That's something that I've been against.

I'm opening up more to the idea simply because from my time in banking, when

you're dealing with registered funds the government the banks don't tell you this

it's buried in the fine print, but the governments can actually go in and take

those registered funds whenever they please in times of emergency and IOU.

So, it's, Okay.

Potentially shooting myself in the foot, but the idea behind the

company of serving people, um, I'm toying with the idea of setting being

able to set up registered funds.

So to directly answer your question, not at the current time in the future.

It may happen

if you do.

Let me know because I have.

I don't even know if this would open up, but if you're doing registered funds, I

have a lira from my pension when I worked at the bank and where it's invested.

It's very limited.

So I want to actually transfer out of there so I can invest in different things.

But if we could do that, yeah, I've just.

Give you the

whole life had.

I have invested.

Technically, I've invested registered funds for a customer.

However, what they did was they took the money fully out of their R.

S.

P.

S.

and then invested with me and despite the withholding tax and the, I think

they were down around 10 or 12 percent on their investments through the bank.

I made that all back for them within 8 months.

Super.

So they paid their tax bill as well as recovered the loss that they had incurred.

Yeah, so just saying for me because I know we're not going to

talk all the time, but if it comes up.

And you're doing it.

Reach out.

I've got a sizable amount in there and I will just do whatever I have

to do to transfer it to this because

people will be made.

I will let people know what and when that happens.

Okay,

now we generally keep these short.

So I don't know if you had any other questions, Gillian, but if not, what

I'd like to do is hear from Robert on how somebody who's listening to

this can get in touch with them.

So did you have a last Next question there.

I have one last final question because honestly, when I

tell people about my investments with Rob, I've been with investing

for seven months now, so I see the

The catch like, What am I missing?

What is the catch here?

Because most people and I'm one of them, too.

It's if something is too good to be true, it probably is.

So I just want you to just take a minute to explain why there's actually no catch.

And why and how you're able to get these returns just on a super high

level to just reassure people that it's really there's no smoke mirrors.

It's just it's Yeah.

It's just a simple, it's just a simple trading, really.

For sure.

The, and I get this question a lot because I am providing returns

that people are not used to.

Most people aren't used to.

There are some that have seen it before.

But in one word, transparency is the answer for that.

If someone, be it a prospective client or a current client, wants

to hop on a call with me, I can show them exactly how I do what I do.

I can show them the live analysis.

If the pattern I look for is present, I can show them the live trade too.

It's really as I said before, I think we started recording.

I'm an open book.

You can contact me about anything.

I never want there to be any guesswork whatsoever because

trying to make a name for myself in this business, doing what I do.

I'm already going an uphill in the wintertime on a slope

of ice without ice pick shoes.

So the more I can be transparent about things, the better it's

going to be in the long run.

As far as the trading aspect goes, like I had talked about earlier with

the way that my mentor trained me to look at the much higher timeframes.

With those kind of, with that kind of timeframe and the institutions

that Pumping in billions of dollars in liquidity into the different

currency assets that are out there.

Those can move huge numbers and when you use proper risk management, that refer

to that 1 percent the typical trade on a looking at the 4 hour and the daily

time frame charts, the typical trade there can move between 3 to 1 return.

I target three to one.

As a base level.

Sometimes the trades will be smaller, like I had to trade this month where

the target was a three to one return.

Once it got about two and a half to one return, I'd set my stop loss

to a two to break even at two to one, so that I knew I was going to

make no less than 2% on that trade.

It ultimately did hit the stop loss on that.

With even though it hit my stop loss.

I made two percent on the trade.

So we're all good so I go about in a very safe way whenever I go into a trade

I know exactly where i'm going to enter I know exactly where i'm going to get

stopped out if my theory goes against me And I know exactly where I want to

take profit so I have a plan ahead of time, even before I'm in the trade.

Super cool.

I, and sorry,

as far as contacting me you can reach out to me,

Robert at for the people, FX.

com.

Can I say my phone number?

If you want

to.

Yeah, absolutely.

Sure.

Yeah.

So 9 0 5 2 4 6 9 9 0 7.

We're working on getting the website back up online because we

had a few regulatory things that we had to change on the website.

So I wanted to make absolutely certain that I'm not going against any securities

commissions because I'm in this for the long haul and not the short haul.

So we're gonna be getting that back up shortly.

Perfect.

No,

That's awesome.

And we'll make sure in the show notes as well.

We put your email there and the phone number.

So if anybody's in their car, don't worry about writing that down.

It will be in the notes for you to reference when you're

safe to do but no awesome.

I'm really appreciative that you came on Robert.

Thank you as well.

Jillian.

And I think this is an incredible opportunity for somebody just

looking for something different.

It's

great.

Yeah.

Thank you for having me.

I appreciate you taking the time out to have the call with me.

You're welcome.

Thank you guys.

Thanks.