Real Estate vs Stocks? Erwin Szeto’s Diversification Framework | Ep 84

Описание: 🎙What happens when the “old” Ontario investor playbook stops working?

In Episode 84, Alfonso sits down with Erwin Szeto - long-time Ontario investor + Realtor (since 2010) who’s had equity in 40+ properties - to talk about why the classic BRRRR-heavy strategy that worked in places like Hamilton and Niagara is getting crushed today… and what smart investors are doing next.

Erwin shares the behind-the-scenes reality of being a landlord in Ontario right now, why he’s been selling down his Ontario portfolio, and what changed his perspective after discovering how institutional-scale systems work in U.S. single-family rentals.

Then the conversation goes deeper: wealth planning (estate + financial planning for real estate investors), the reality of the coming wealth transfer, and why liquidity + diversification matter more than ever - including how Edwin thinks about stocks alongside real estate.

If you’re an investor who feels stuck, tired of tenant headaches, or wondering where to put capital next, this episode is a must-watch.

✅ Like, subscribe, and share this with an investor who still thinks the 2018 playbook will work in 2026.


👉 Connect with Erwin on Instagram: @erwinszeto
👉 Learn about upcoming Wealth Genius events: wealthgenius.ai/events
👉 ExpandWealth Real Estate Fund info session: expandewealthfund.com


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🌐 Learn more about the Expand Wealth Fund: expandwealthfund.com
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⏱️ Chapters
00:00 – Intro: ExpandWealth Fund + Wealth Genius Podcast
00:44 – Consistency wins: why podcasting weekly matters
01:31 – Erwin’s show since 2016 + why he started (blog traffic fell)
02:41 – “Truth changes”: what used to work doesn’t always work now
04:51 – Canada vs U.S.: is Erwin investing in both or exiting Ontario?
05:02 – Erwin’s background: 40+ properties, 350+ clients, $500M in transactions
05:56 – Why the old BRRRR playbook (Hamilton/Niagara) doesn’t pencil today
06:27 – Ontario landlord reality: 10 months unpaid rent + $30K damages
06:44 – The pivot: landlord-friendly U.S. markets + institutional property management
07:23 – Alfonso’s framework: go bigger in Canada or go south
08:44 – Why the U.S. can be invested “from home” (scale + systems)
08:51 – The U.S. single-family rental market is massive ($2.4T)
09:10 – Why scale lowers costs: property management, staffing, efficiency
09:35 – Cap rates + rights: investing remotely with better fundamentals
10:52 – Where Erwin invests: “major sports teams in red states” (landlord-friendly focus)
11:55 – Common markets: Carolinas, Georgia, Texas, Arizona + why taxes matter
12:48 – Follow the money: where jobs, factories, and growth are going
13:12 – Real example: San Antonio house cost vs GTA equivalent
14:35 – Ignore the noise: money is flowing into U.S. markets regardless
17:21 – Stocks: is Erwin shifting away from real estate?
18:16 – Real estate still wins… but Ontario portfolios are overweight
19:10 – Wealth planning: estate + financial planning for real estate investors
19:44 – Wealth transfer reality: kids often don’t want the portfolio
21:00 – The stats: succession failure rates + why planning matters
22:20 – Stocks + leverage math: S&P averages, expected returns, and diversification
23:42 – Liquidity: why it matters when opportunity shows up
24:05 – Wealth Genius = wealth vehicles (real estate, stocks, infinite banking, etc.)
25:00 – The real goal: passive income + time with family
26:13 – Erwin’s mantra: “If you fail to plan, you plan to fail”
26:59 – Expand #9 announcement: Ottawa (May 1–3)