Fixed income investing is an investment strategy designed to provide a fixed stream of current interest income. Fixed income instruments can include T-bills, GICs, bonds and bond ETFs and mutual funds.
Though fixed-return investments don’t offer the same growth prospects as equities, they can act as an offset to the volatility of a stock portfolio. They can help stabilize you portfolio’s value. They serve as reserves you can use to buy more stocks when prices are down. For that matter, when stock prices are down, you can use your reserves for personal spending to avoid having to sell at a low.
In the end, the right equities/fixed return split depends on your financial circumstances and your temperament. If you are older and planning your retirement investing strategy, you may want to hold some fixed-income investments. But with interest rates at current low levels, stick with T-bills, GICs of government bonds that have terms of, say, two or three years or less.
At TSI Network we feel that fixed income investments should only make up a very small part of your portfolio. If you’d like to increase your long term profits we recommend buying stocks using our three-part Successful Investor strategy is the smartest approach for value investors:
An undervalued stock can signal a real bargain – or a dangerous risk. Knowing how to spot quality bargain stocks can be the key to long-term investing gains. Download our FREE report, Bargain Stocks: Your Guide to Finding the Best Undervalued Stocks, today!
Pat McKeough recently replied to a member of the Inner Circle looking for an ETF that offers protection from down markets. The BMO Low Volatility Canadian Equity ETF selects stock holdings based on their beta score. That’s a commonly used, but often misleading, measure of… Read More
Proceed cautiously with your fixed income investment ideas and make sure that you know the risks that accompany those investments.
Fixed income investing is an investment strategy designed to provide a steady stream of current interest income. Fixed income investment ideas and instruments can include T-bills,… Read More
Cash has been a poor performer for the past 20 years, not even keeping pace with the low rate of inflation. Almost every asset class has done much better. But some cash can be useful when equity markets turn down—it can provide investors the opportunity… Read More
Low-risk ETFs as described above can provide you with a way to hold cash balances in your investment or trading accounts. Here are some of the pricing arrangements and technical terms unique to these funds.
Money market ETFs have a base price of $50 or $100… Read More
BANK OF MONTREAL, $136.95, Toronto symbol BMO, is a buy.
The bank is now raising your dividend by 4.5%. Starting with the August 2022 payment, investors will receive $1.39 a share instead of $1.33. The new annual rate of $5.56 yields 4.1%.
Bank of Montreal set aside… Read More
ROYAL BANK OF CANADA, $130.95, Toronto symbol RY, is a buy.
In its fiscal 2022 second quarter, ended April 30, 2022, Royal took back $342 million of the funds it had earlier set aside to cover potential bad loans. That’s due to improving credit quality as… Read More
Recently a friend asked, “Pat, I see that several prominent Canadian investor advisors recently wrote articles that said it’s a bad time to buy bonds right now. Do you agree?”
He was surprised when I told him I haven’t bought any bonds for myself since the… Read More
Shares of the Royal Bank of Canada—the country’s largest bank by market cap—plunged from around $109 at the start of the COVID-19 pandemic in March 2020, to a low around $72. After that, it reversed course and climbed to a recent peak near $150. That… Read More
The current $1.4 trillion U.S. value of Norway’s sovereign wealth fund corresponds to around a whopping $254,000 per citizen. This sovereign fund is now the world’s largest wealth fund, followed by the China, Kuwait, and Abu Dhabi funds.
Although revenue from oil and gas production is… Read More
October turned out to be a great month for all kinds of riskier assets. Top performers were commodities, with oil and copper leading the way. Precious metal producers also made strong gains while the energy and commodity-heavy Canadian indexes were spurred by those gains. Performing… Read More
The Successful Investor Inc. and its affiliate Successful Investor Wealth Management (referred to hereafter as TSI Network) know that you care how information about you is used and shared, and we appreciate your trust that we will do so carefully and sensibly. This notice describes our privacy policy. By visiting websites owned by or associated with TSI Network, you are accepting the practices described in this Privacy Policy.
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We do not collect or disclose personal information, except when it is provided to us voluntarily by the site/store visitor with their consent.
We store subscriber and password files containing personal information securely. These files are stored in secure areas that are not accessible to the general public. We are always working to ensure the security of your personal information.
We are continuously in the process of improving our sites and services. If any new features or policies require a change to this current policy, we will post a clear notice of this change on pages of our site where the privacy policy appears. The principle behind this privacy policy is to collect information with your knowledge and consent.
What personal information do we collect?
The information we receive from customers helps us personalize and continually improve your online experience at TSI Network. TSI Network may collect personal information online for all legal purposes, which include, but are not limited to:
Information You Give Us: We receive and store any information you enter on our website or give us in any other way through sign-up forms or ordering forms for publications and services. You can choose not to provide certain information, but then you might not be able to take advantage of many of our services and features. We use the information that you provide for such purposes as responding to your requests, customizing your web browsing experience for you, improving our website, and communicating with you.
Automatic Information: We receive and store certain types of information whenever you interact with us. For example, like many websites, we use "cookies," and we obtain certain types of information when your web browser accesses TSI Network.
Information from Other Sources: For reasons such as improving personalization of our service (for example, providing better product recommendations or special offers that we think will interest you), we might receive information about you from other sources and add it to our account information. We also sometimes receive updated delivery and address information from our shippers or other sources so that we can correct our records and deliver your next purchase or communication more easily.
We do reserve the right, however, to collect and perform statistical analyses of the internet traffic to our website for our internal use. However, information collected does not allow us to identify any individual, and will not collect any personal information of the visitor. Furthermore, we do not sell, rent or loan to any outside parties the information collected and analyzed.
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Does TSI Network Use the Information It Receives?
"Contact Us" and Comment Features: TSI Network encourages visitors to its websites to contact us with questions and comments. Email addresses and other information of persons using these features may be collected in order to facilitate our responses to those inquiries.
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We may disclose personal information you have provided through our websites, for the above purposes, to persons or companies that we retain to carry out and other activities for which you have registered or in which you have otherwise asked to participate. In particular, we may for these purposes transfer information to any country (including the USA and other countries which may not offer the same level of data protection as Canada). We also will disclose personal information if required by law, including compliance with warrants, subpoenas or other legal processes.
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TSI Network does everything possible to prevent unauthorized intrusion to its websites and the alteration, acquisition or misuse of personal information by unauthorized persons. Notably passwords submitted by users of our websites are encrypted using encryption mechanisms. However, TSI Network cautions visitors to its websites that no network, including the Internet, is entirely secure. Accordingly, we cannot be responsible for loss, corruption or unauthorized acquisition of personal information provided to our websites, or for any damages resulting from such loss, corruption or unauthorized acquisition.
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TSI Network has procedures in place to keep your personal information accurate, complete and current for the purposes for which it is collected and used. You may review the information that you have provided to us and where appropriate you may request that it be corrected. If you wish to review your personal information please send a request to: privacy@thesuccessfulinvestor.com.
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How can you ask questions about our Privacy Policy and access your personal information?
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What Choices Do I Have?
Changes to this Policy
This Policy is the sole authorized statement of TSI Network's practices with respect to the collection of personal information through TSI Network's websites and the subsequent use and disclosure of such information. Any summaries of this Policy generated by third party software or otherwise (for example, in connection with the "Platform for Privacy Preferences" or "P3P") shall have no legal effect, are in no way binding upon TSI Network, shall not be relied upon in substitute for this Policy, and neither supersede nor modify this Policy.
TSI Network may revise this Policy from time to time.
Legal Notices and Disclaimers
The contents of this web site and our publications are based upon sources of information believed to be reliable, but no warranty or representation, expressed or implied, is given as to their accuracy or completeness. Any opinion reflects the Successful Investor’s judgment at the date of publication and neither the Successful Investor, nor any of its affiliated companies, nor any of their officers, directors or employees, accepts any responsibility in respect of the information or recommendations contained in the publications or on this web site. Moreover, the information or recommendations are subject to change without notice.
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