Don't these lunkheads get it?" was his first question. "I've been to see three investment advisers, and they all seem stuck in the accumulation-and-growth mindset. Don't they realize that I am the kind of guy they'll be seeing non-stop over the next 20 years? The first model might be based on either your actual asset mix now or the one you had in 1999. By "asset mix," I mean the mixture of short-term guaranteed investments, fixed-income investments (bonds and guaranteed investment certificates) and equities or stock investments. Income trusts share characteristics of fixed income and equity, but their price volatility and the fact that they represent ownership of companies means they are properly characterized as equities. That brings us to the third fundamental -- never systematicall...
Canada is performing better than the U.S.," [Clancy Ethans] says. "There was greater leverage and excesses on the upside in the U.S. than there is in Canada. We'll be more insulated from the downside in the U.S., but we will suffer as well. "The spreads of corporate bonds over the treasury market and guaranteed fixed-income markets are at record levels -- levels that we haven't seen since the Great Depression," Ethans says. "Since we don't think we are going into that, we think you are going to be well compensated to be in some of those." COMPARED to other parts of Canada and the world, things in Winnipeg are rather "tickety-boo," says [Bruce Bennett], executive financial consultant with Richardson Partners Financial. "It's not like Oshawa or Detroit where you are at risk of entire to...
The same thinking applies in investing. If you expected a return of negative 40 per cent to 50 per cent, because that's how much the major stock markets declined, you are pleasantly surprised when you are "only" down 17.7 per cent, which was the average of our client returns. It seems this diversification thing works. Our approach is to always have enough money in cash and guaranteed investments to cover at least two years' expected withdrawals, and then have a segment of fixed income investments (bonds or GICs) with guaranteed maturity values to cover off years three to five. Yes, absolutely, because no one ever knows what the markets are going to do tomorrow. We always have to be prepared for the worst, because there is no warning sign to say, "Markets will fall next year." I would ar...
...Part 1 also implements other income tax measures referred to in the January 27, 2009 B... with respect to risk-shared loans and guaranteed loans if the borrower dies;. (b) authorize the Min... markets' includes markets for money, bonds, equities, derivatives, foreign exchange and commo...
Guaranteed investment certificates (GICs) issued by banks and insurance companies are a rock-solid investment that guarantees a rate of return over a period of time along with a return of principal at maturity. Problem is, you'll be doing well to get a five per cent rate of return. That's not much when you consider inflation is running around 2.5 per cent and personal income tax rates for individuals can be as high as 46 per cent. Linked notes, which I discussed a few weeks ago, offer principal protection, but no guaranteed rate of return; plus, the potential for government-issued bonds to do well in a rising-interest-rate environment -- which we appear to be facing for the next year or so -- isn't great. But what about corporate and high-yield bonds? This often-overlooked asset class, ...
... (phased out for CCPCs with taxable income for the previous taxation year between $500,000 an... of debt, such as third-party debt guaranteed by a foreign parent or, in some cases, all debt ow... up to $1,000 in Canada Disability Savings Bonds annually to RDSPs established by modest-income fam...
Among major names, the Yellow Pages trust (TSX:YLO) faded 17 per cent, the CI Financial fund (TSX:CIX.UN) plunged 18 per cent and the Aeroplan trust (TSX:AER.UN) lost 10 per cent. There also were big setbacks for Telus (TSX:T) and BCE Inc. (TSX:BCE), which wanted to convert into trusts, and Canadian Oil Sands trust (TSX:COS.UN), the biggest in Canada. A: Of the roughly 2,000 securities that traded on the Toronto Stock Exchange at the end of September, 255 were income trusts, up from 234 at the end of 2005, including such major names as Canadian Oil Sands Trust and Yellow Pages Income Fund. Their combined market capitalization of $201 billion represented roughly 11 per cent of the TSX as a whole, and that's without BCE and Telus, two of Canada's largest corporations, who recently signif...
...At a time when savings bonds and GICs are offering roughly three per cent annua... many analysts have warned they're not guaranteed investments and must be approached with caution. I...
... creation of agencies intended to help low-income families to buy homes. (1) And, in each case, the ... under which mortgage loans would be guaranteed as macroeconomic management tools, on the belief t..., initiated in 2001, the agency issues bonds, with principal and interest guaranteed by the Gov...
In the simplest way to describe it, it's a loan in reverse," says Daryl Diamond, a certified financial planner with Diamond Retirement Planning in Winnipeg. "Instead of you going to borrow money and paying back to the institution interest and principle over a period of time, you're giving the institution money and they're paying you back principle and interest. "What (people) don't understand is it's a pooling effect," says [Josephine Gurreri], also the manager for Standard Life's annuity division. "The company is not profiting from their death. It's the other annuity purchasers that are profiting." "It's always a question of what you're willing to pay for," [Kerry Knudsen] says. "(Insurers) price the yield that they have to give to the client based on what they potentially have to gi...
...IN an age of economic uncertainty, fixed-income investments offer the certainty of steady income. As mentioned in last week's column, bonds and guaranteed investment certificates (GICs) are ...
... of Future Currency Exchange Rates Discount Bonds: An Analogy Summary of the Economics of Foreign Ex..., consistent with the general scheme of the Income Tax Act, and minimally distortionary. First, the a... futures contract agreements, they are guaranteed a certain currency exchange rate at some time in t...
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