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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CCL INDUSTRIES INC., $69.15, symbol CCL.B on Toronto, mainly makes packaging products for the food, healthcare, automotive and personal-care industries. Procter & Gamble and Johnson & Johnson are among its major customers. CCL also makes radio frequency identification (RFID) tags and banknotes.

The company has four main businesses:
  • CCL (62% of total revenue) makes pressure-sensitive labels for plastic bottles and other forms of packaging....
TWILIO INC., $60.08, symbol TWLO on Nasdaq, is a buy. The company offers a key service to software developers who create mobile apps. Specifically, its own software is used to connect apps to essential functions elsewhere on a device, including dealing with phone calls and messaging.

Twilio has appointed a partner at activist investment firm Sachem Head Capital Management to its board of directors....
VANECK VECTORS VIETNAM ETF, $13.56, is a buy for aggressive investors. This emerging-markets ETF (New York symbol VNM) taps the leading Vietnamese firms as well as foreign firms that get a significant share of their revenue from this Southeast Asian nation....
These two REITs own some of the best properties in Canada’s biggest cities. Despite the disruptions caused by the work from home and online shopping trends, those high-quality holdings should continue to attract tenants.


ALLIED PROPERTIES REAL ESTATE INVESTMENT TRUST, $16.92, is a buy. The REIT (Toronto symbol AP.UN; Units outstanding: 128.0 million; Market cap: $2.4 billion; TSINetwork Rating: Average; Dividend yield: 10.6%; www.alliedreit.com) owns 201 office buildings and nine properties under development, mainly in major Canadian cities....
A subscriber recently wrote to ask about bitcoin:

“Pat, I know you’ve never been fond of bitcoin, but could it be that now is a good time to buy? It seems to be moving into the mainstream. I believe bitcoin is already legal tender in a handful of countries....
Before You Invest in France, Explore France’s Economic Landscape, Government Reforms, and the Resurgence of its Thriving Tourism Industry
FIVE BELOW INC., $181.38, symbol FIVE on Nasdaq, is a retailer that offers a broad range of merchandise for teen and pre-teen customers. Most of its products are priced between $1 and $5. However, in recent years, it has added merchandise priced above $5 through its Five Below and Beyond format....
GARMIN LTD., $148.87, is a buy. The company (symbol GRMN on Nasdaq) makes GPS devices and software for five different markets: fitness, outdoors, auto, aviation, and marine.

As part of its marketing efforts, Garmin forms a Marine Team of professional anglers each year....
Loblaw has come under fire in the past few months from politicians and consumer advocates complaining that it earned “excessive profits” during and after the COVID-19 pandemic. Despite the threats of new taxes and rules on how food sellers operate, the stock has gained an impressive 31% in the past year compared to the 13% rise for the S&P/TSX Composite Index....
SAVARIA CORP., $16.81, symbol SIS on Toronto, designs and builds mobility products for consumers. These include home elevators, commercial lifts, stairlifts, ceiling lifts, and adapted vehicles. The business has manufacturing facilities in North America, Europe, Mexico and China....