How To Invest

In addition, Pat thinks then beginner investors should cultivate two important qualities: a healthy sense of skepticism and patience.

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Investors should approach all investments with a healthy sense of skepticism. This can help keep you out of fraudulent stocks that masquerade as high-quality stocks. It will also keep you out of legally operated, but poorly managed, companies that promise more than they can possibly deliver.

If you are a new investor, you should also realize that losing patience can cause you to sell your best choices right before a big rise. All too often, investors buy a promising stock just as it enters a period of price stagnation. Even the best-performing stocks run into these unpredictable phases from time to time. They move mainly sideways in a wide range for months or years before their next big rise begins. (Stock brokers often refer to these stocks as “dead money.”)

If you lack patience, you run a big risk of selling your best choices in the midst of one of these phases, prior to the next big move upward. If you lose patience and sell, you are particularly likely to do so in the low end of the trading range, when stock prices have weakened and confidence in the stock has waned.

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How To Invest Library Archives
CANADIAN IMPERIAL BANK OF COMMERCE, $55.44, Toronto symbol CM, remains a buy for long-term gains.

CIBC is now raising your quarterly dividend by 2.4% with the January 2023 payment. Investors will then receive $0.85 a share instead of $0.83. The new annual rate of $3.40 yields a high 6.1%.

As well, starting with this payment, the bank will let shareholders automatically re-invest their dividends in new common shares at a 2% discount to the market price.

The stock has dropped 14% since the start of December, mainly due to concerns that rising interest rates will slow demand for new residential mortgages and refinancing....
DREAM OFFICE REIT, $14.90, is still a buy. The REIT (symbol D.UN on Toronto), sold 138 properties in 2016 as part of a new strategic plan. Due to those sales, in July 2017, Dream cut its monthly distribution to $0.0833 a unit from $0.125. The new annual rate of $1.00 yields a high 6.7%.

Dream now has 27 office properties, including two under development....
PFIZER INC., $51.43, New York symbol PFE, is your #1 Income Buy for 2022.

The company is one of the world’s largest makers of prescription drugs. Its top-selling brands include Eliquis (stroke), Ibrance (breast cancer) and Prevnar (pneumonia).

Pfizer has increased its dividend rate each year since 2011....
BANK OF MONTREAL, $120.63, Toronto symbol BMO, remains a buy.

In December 2021, the bank agreed to acquire California-based Bank of the West from France’s BNP Paribas for $16.3 billion U.S.

Bank of the West provides a variety of retail and commercial banking services to over 1.8 million customers through 514 branches in 24 states, mainly in the Western and Midwestern regions of the U.S....
This week we present a Spotlight Report on a stock that has already spun off some profitable spinoffs and may do more in the future.

Danaher is a great example of how a company can unlock value for shareholders by “spinning off” businesses....
UIPATH INC., $12.95, symbol PATH on New York, offers a robotic automation platform that utilizes artificial intelligence (AI) to help reduce the amount of manual work done by a company’s employees.

UiPath’s platform automates work by emulating human behaviour....
ALTAGAS LTD., $24.50, is still a buy. The company (symbol ALA on Toronto) processes, transports, stores and markets natural gas for producers. It also operates natural gas utilities and is a power generator, with gas-fired, coal-fired, wind, biomass and hydroelectric plants.

Almost all of AltaGas’ assets are now in the U.S....
ROYAL BANK OF CANADA, $130.91, Toronto symbol RY, is a buy.

The bank is raising its quarterly dividend by 3.1%. Starting with the February 2023 payment, investors will receive $1.32 a share instead of $1.28. The new annual rate of $5.28 yields a solid 4.0%.

Royal has also agreed to pay $13.5 billion in cash for the Canadian operations of U.K.-based HSBC Holdings plc (New York symbol HSBC)....
MCDONALD’S CORP., $271.92, New York symbol MCD, is your #1 Conservative Buy for 2022.

The company is the world’s largest fast-food chain with 40,000 restaurants in 119 countries. It serves a wide variety of food but is best known for its hamburgers and french fries....
CANADIAN IMPERIAL BANK OF COMMERCE, $58.52, Toronto symbol CM, remains a buy for long-term gains.

The stock has dropped 10% since the start of December, mainly due to concerns that rising interest rates will slow demand for new residential mortgages and refinancing....