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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If you’re looking for ETFs 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 $10.4 trillion U.S., spread across 428 mutual funds and ETFs....
H&R REIT offers a high 5.6% yield as it transitions to a simplified growth-oriented portfolio centered on residential and industrial properties.
Since tax on capital gains is at a lower rate than tax on interest, structure your investments to take advantage of the capital gains tax.
We’ve often said that growth by acquisition is riskier than growth from a company’s existing operations. That’s because the buyer of something rarely knows as much about it as the seller. That knowledge gap exposes the buyer to an above-average risk of unpleasant surprises.

Of course, some companies do a better job than others when acquiring assets....
TORONTO-DOMINION BANK, $94.77, Toronto symbol TD, remains a buy for patient, income-seeking investors.

With the January 2025 payment, TD raised your quarterly dividend by 2.9%, to $1.05 a share from $1.02. The new annual rate of $4.20 yields a solid 4.4%.

The bank recently settled charges over lapses in the anti-money laundering processes at its U.S....
ROYAL BANK OF CANADA, $173.94, Toronto symbol RY, is a buy.

The bank continues to benefit from its March 2024 purchase of the Canadian operations of U.K.-based HSBC Holdings plc (New York symbol HSBC) for $15.5 billion.

HSBC operates 130 branches that mainly cater to businesses in industries that trade and bank internationally....

You Can See Our Cyclical-Growth Dividend Payer Portfolio for June 2025 Here.


You can’t fake a record of dividends....
These two Canadian insurers continue to offer investors strong long-term growth prospects, as well as dependable dividends. We see both as solid long-term buys.


MANULIFE FINANCIAL CORP. $44 is a buy. The company (Toronto symbol MFC; Conservative-Growth Payer Portfolio; Finance sector; Shares outstanding: 1.7 billion; Market cap: $74.8 billion; Dividend yield: 4.0%; Dividend Sustainability Rating: Above Average; www.manulife.ca) is Canada’s largest life insurer....
Demand for office space continues to recover from COVID-19 lockdowns, and the resulting shift to remote work. That rebound should let these two REITs maintain their current payouts.


ALLIED PROPERTIES REAL ESTATE INVESTMENT TRUST $16 is a buy. The REIT (Toronto symbol AP.UN; Cyclical-Growth Dividend Payer Portfolio, Manufacturing sector; Units outstanding: 128.0 million; Market cap: $2.0 billion; Distribution yield: 11.3%; Dividend Sustainability Rating: Above Average; www.alliedreit.com) owns 186 office buildings, including eight properties under development....
AUTOMOTIVE PROPERTIES REIT $11 (Toronto symbol APR.UN; Units outstanding: 49.2 million; Market cap: $541.2 million; Dividend yield: 7.3%; www.automotivereit.ca) is a real estate investment trust that owns 79 commercial properties across cities in Ontario, Saskatchewan, Manitoba, Alberta, B.C....