investment

An investment is an asset or property acquired to generate income or gain appreciation. Appreciation is the increase in the value of an asset over time. It requires the outlay of a resource today, like time, effort, and money, for a greater payoff in the future or for generating a profit.

An investment involves using capital in the present to increase an asset’s value over time.

Investments may include bonds, stocks, real estate, or alternative investments.

Investments can be diversified to reduce risk, though this may reduce the amount of earning potential.

In business contexts, investments are financial; however, consider how some people spend time to make higher incomes in the future (i.e. invest in a college education).

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BROADRIDGE FINANCIAL SOLUTIONS INC. $148 is a buy. The company (New York symbol BR; High-Growth Payer Portfolio, Finance sector; Shares outstanding: 115.6 million; Market cap: $17.1 billion; Dividend yield: 1.6%; Dividend Sustainability Rating: Above Average; www.broadridge.com) serves the investment industry in three main areas: investor communications, securities processing and transaction clearing.


With the October 2020 payment, Broadridge raised its quarterly dividend by 6.5% to $0.575 a share from $0.54....

COVID-19 has hurt cash flow at these two REITs. However, their current distributions look sustainable.


DREAM OFFICE REIT $21 is a buy. The REIT (Toronto symbol D.UN; Cyclical-Growth Dividend Payer Portfolio; Manufacturing sector; Units outstanding: 56.5 million; Market cap: $1.2 billion; Dist....
Early in my investment career, I developed a keen interest in what we called “investor rules of thumb.” Here are some random examples:

“Stocks trading at a P/E ratio of 10 times per-share earnings or less are good buys.”

“As January goes, so goes the year.” In other words, if the stock market goes up in January, it will probably have a gain for the year, as a whole.

“When a stock rises and its volume of trading expands as well, it’s likely to keep rising.”

There were multitudes of these rules....
There are a variety of factors to consider when you look for long-term stocks to buy, including whether they pay dividends, their position in their industry and management strength
The market plunge in the wake of the COVID-19 crisis lowered prices for most REITs. That’s because the pandemic forced many businesses to temporarily close. This hurt rent collection for REITs, and cut cash available for distributions. However, these two REITs remain attractive thanks to their high-quality properties and tenants.


RIOCAN REAL ESTATE INVESTMENT TRUST, $17.74, is a buy. The REIT (Toronto symbol REI.UN; Units o/s: 317.7 million; Market cap: $5.7 billion; TSINetwork Rating: Average; Divd....
Business for our two top Canadian insurance recommendations remains steady, although COVID-19 has slowed their share-price growth. Still, both firms should rebound quickly once the coronavirus outbreak eases. That will lift the value of their shares. Meanwhile, each insurer offers you a high, sustainable dividend yield.


MANULIFE FINANCIAL CORP., $22.43, is a buy. This safety-conscious blue-chip company (Toronto symbol MFC; Shares o/s: 1.9 billion; Market cap: $43.1 billion; TSINetwork Rating: Above Average; Dividend yield: 5.0%; www.manulife.ca) is Canada’s largest life insurer.


Manulife sells other forms of insurance, including health, dental and travel plans; its mutual funds and investment management services further diversify its revenue stream.


As of September 30, 2020, the company had $1.3 trillion in assets under administration....
If you’re looking for an ETF with quality holdings and exceptionally low fees, then Pennsylvania-based Vanguard Group offers you strong options. Vanguard is one of the world’s largest investment management companies. In all, it administers over $6.2 trillion U.S....
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 $100,000 investment in two identical vehicles that both produce an annual return of 10%....
The month of November saw strong gains for stocks, commodities, and energy. This comes after the conclusion of the U.S. Presidential election and promising announcements from several pharmaceutical companies regarding COVID-19 vaccines.


At the broad market level, the Vanguard Total World Stocks ETF (VT) gained 10% in the month, the Vanguard S&P 500 ETF (VOO) climbed 7.5%, and the iShares MSCI Canada Equity ETF (EWC) rose 10.9%....
Nokia is probably the most famous of the large Finnish companies, with a history that dates back to 1865 when it started operating a single paper mill.


Over the years, Nokia has ventured into different markets and emerged as a global leader in the early days of the mobile phone industry.


In fact, Nokia was the leading mobile phone vendor in the world up to early 2012....