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!
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
Investors who owned marijuana or energy stocks in the first quarter of 2021 saw considerable gains for these investments. Other big winners in the first quarter were U.S. homebuilders, value stocks, financials, agricultural equities, and mid- and small-cap stocks.
Stocks had another good quarter. At the… Read More
A: The Vanguard Conservative ETF Portfolio, $28.01, symbol VCNS on Toronto, holds roughly 40% of its assets in Vanguard stock ETFs and 60% in bond ETFs. This $466.4 million ETF started up on January 25, 2018, and has a low 0.22% MER. The ETF yields 1.9%.
The… Read More
The speed of the March 2020 stock market decline, as well its rapid recovery to previous peaks, will rank high in the record books. For instance, the 34% drop for the S&P 500 took only 24 days while the recovery to its previous peak was… Read More
High fees, often not directly visible to investors, can substantially lower investment returns over time. It is therefore key that investors carefully consider fees before deciding to buy an ETF or mutual fund.
The damaging effect of high fees
The following example demonstrates the outcome of a.. Read More
Learn everything you need to know in 'The Canadian Guide on How to Invest in Stocks Successfully' FREE Special Report from The Successful Investor.
How to Invest In Stocks Guide: Find 10 factors that make your investments safer and stronger.
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What personal information do we collect?
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