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There are many potential profitable benefits to investing in stocks, however, there are also always risks. Some of these risks include 1. Returns (money) you make off of investments are not guaranteed, and 2. You may even lose money. If you consider the risks you are able and willing to take, understand investing in stocks, or get advice from a knowledgeable investor, then you can be well on your way to benefiting from your choice to spend your money on investing in stocks.

This is a useful site to learn how to mitigate the risks of investing in stocks. Some suggestions include 1. Hold a diversified portfolio. This can include investing in different types of industries, company sizes, and types of stocks, such as common vs. preferred. 2. Invest for the long-term. Don't invest money that you will need again soon, as you may have to end up selling your share when its price is low and lose money. Another important factor I learned about from this site, is to understand and know the volatility of the stock you want to invest in. This is the measurements of the ups and downs of the stock's price. The beta measurement of volatility is measured in comparison to a benchmark such as an S&P 500 Index. A beta of 1.0 is the standard (what the overall stock market experiences) and anything under 1.0 has less fluctuations and less risks, and anything over 1.0 is more risky. Understanding this will help you mitigate risks of an investment in stocks.

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2 key investment risks

1. Returns are not guaranteed - While stocks have historically performed well over the long term, there's no guarantee you'll make money on a stock at any given point in time. Although a number of things can help you assess a stock, no one can predict exactly how a stock will perform in the future. There's no guarantee prices will go up or that the company will pay dividends. Or that a company will even stay in business.

2. You may lose money - Stock prices can change often and for many reasons. You have to be comfortable with the risk that you might lose all of your money when you buy and sell stocks, especially if you're not planning to invest for the long term. If you use leverage to invest in stocks, like buying on margin or short selling, you could lose more than you invest.

A word about volatility

standard deviation Standard deviation A measure used to determine a stock's volatility by measuring how widely its price has gone up and down in the past from its average price. More change results in a higher historic volatility. + read full definition - measures how widely a stock's price has gone up and down in the past from its average price. More change results in a higher historic volatility.

beta Beta Measures how the stock is doing compared to overall stock market. A beta of 1.0 tells you that a stock has been going up and down with the overall stock market and is considered as volatile as the market. A stock with a beta between 0.0 and 1.0 has smaller ups and downs and may... + read full definition - measures how the stock is doing compared to a given , such as the S&P TSX Composite Index. A beta of 1.0 tells you that a stock has been going up and down with the overall . A stock with a beta between 0.0 and 1.0 has smaller ups and downs. A beta greater than 1.0 has wider price swings. Stocks with a negative beta are moving opposite to the .

6 ways to manage risk

1. Hold a diversified stock portfolio

Type of industry - While companies in one industry may struggle, companies in another industry may be doing well. For example, energy stocks might slump while technology stocks are rising.

Company size - Investing in a smaller, newer company can offer the potential for higher growth, but it's usually riskier than a larger, more stable company with a long history and good track record. You can reduce your overall risk by owning stock in companies of different sizes.

Type of stock - Preferred shares tend to offer lower risk and returns than common shares. But they pay a fixed , unlike common shares. You may want to choose both for your portfolio. Learn more about common and preferred stock.

Before you decide on a stock or a portfolio of stocks, figure out how it fits with the rest of the investments you own, your overall financial goals and your tolerance for risk. Learn more about the risks of investing and how diversification can help reduce your overall risk.

2. Invest for the long term

3. Don't try to time the market

Trying to time the market can be a risky strategy. You may hear about a stock that is climbing higher and higher in price. When more investors decide to jump in and buy the stock, they drive prices up even more. The price can fall just as fast, though, as investors start to sell to cash in on the big gains.

Other investors make the mistake of selling as soon as a stock price falls. But you don't lose money on a stock until you sell it. If you hold on, the price may come back up. Stocks are long-term investments with many short-term fluctuations in price.

4. Get advice if you're not a knowledgeable investor

It's always risky to invest when you don't understand how the stock market works, what makes a stock's price rise or fall, or how an investment or investment strategy works. The more you know, the more you can lower this risk. If you don't feel comfortable with your level of knowledge, a qualified advisor can help you choose stocks and other investments that meet your goals and tolerance for risk.

5. Be careful about buying private stock

Some companies keep their stock in private hands instead of trading their stock publicly on the stock market. The stock is owned by a group of shareholders who can only sell their stock with approval from other shareholders. The shareholders set the price at which the stock can change hands.

Buying private stock is risky because:

You may not be able to buy or sell the stock when you want to.

You may have to make a large (unless you are an employee of the company).

It may even be a scam.

6. Be aware of the dangers of investing offshore

Caution

If you don't understand an investment and how it works, don't buy it. The risks may not be worth it.

Take action

1. Diversify your portfolio

2. for the long term

3. Don't try to time the market

4. Get advice if you're not a knowledgeable investor

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Risks of stocks | Stocks | GetSmarterAboutMoney.ca

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Returns are not guaranteed - While stocks have historically performed well over the long term, there's no guarantee you'll make money on a stock at any given point in time. Although a number of things can help you assess a stock, no one can predict exactly how a stock will perform in the future.

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In this post, we will be looking at two different kinds of bonds: real-return and regular. Real-return bonds were created to compensate for economic inflation rates. Bonds work by a lender giving an agreed upon amount of money, called the principal, to a company or organization, which will be paid back on an agreed upon date, called the maturity date. The lender will then also receive interest, generally semi-annually during the time the money is lent. With a regular bond, the lender will receive a fixed interest rate based on expected inflation rates during the time the bond is held. However, if inflation rates rise higher than expected the lender takes a loss as that rate is now worth less in comparison to the economic inflation rate. So, in comes real-return bonds to save the day from this undesirable possibility. This type of bond will adjust the interest rate based around the economic inflation rate, so if the inflation rates go up, the lender will receive a higher interest rate to make up the difference. However, one caveat is that if the economy happens to face a deflation rate, the lenders interest rate will actually fall.

There are two major risks with a real-return investment, the first is if the economy crashes and faces deflation. The second is, since bonds get taxed each year, the lender will owe tax on the amount the bond is worth that year, however, by the time the lender receives their principal back it may be worth less and the lender paid more on taxes than it was really worth for them. The main risk with fixed/regular return bonds is if inflation rates rise higher than anticipated. The #1 reason why I chose this article to use for reference was that it specified that real-return bonds only protect the lender from unanticipated inflation rates, as fixed/regular bonds use anticipated inflation rates to determine the lenders interest rates. This was the first time I saw that while first learning and researching this topic, and I thought it was helpful in understanding the differences.

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Real-return bonds pay a return adjusted for inflation. But when you buy a real-return bond, you are only protecting yourself against unanticipated rises in inflation.
Real-return bonds pay you a rate of return that's adjusted for inflation, but that's not always as promising as it seems. When a real-return bond is issued, the level of the consumer price index (CPI) on that date is applied to the bond. After that, both the principal and interest payments are typically adjusted every six months, upwards or downwards from that base level, to compensate for a rise or fall in the CPI. In general, Government of Canada real-return bonds pay interest semi-annually, on June 1 and December 1.

How Successful Investors Get RICH

Learn everything you need to know in 'The Canadian Guide on How to Invest in Stocks Successfully' for FREE from The Successful Investor.

How to Invest In Stocks Guide: Find 10 factors that make your investments safer and stronger.

Look at this theoretical example to understand how a real-return bond works
The Bank of Canada issues $400 million of 30-year bonds maturing on December 1, 2049. The bonds have a coupon, or interest rate, of 2%.

If after six months from the date of issue, the new CPI level is, say, 1% above the level of the CPI on the issue date, then each $1,000 of bond principal is adjusted to $1,010 of bond principal ($1,000 x 1.01). The semi-annual interest payment is then $10.10 ($1,010 x 2% / 2).

If after 12 months, the level is 2% higher, then the bond principal is adjusted to $1,020 ($1,000 x 1.02), and the interest payment rises to $10.20 ($1,020 x 2% / 2).
Consider these three important factors to realize benefits with real-return bonds

1. The price you pay for real-return bonds reflects the anticipated rate of inflation. In other words, if investors feel that inflation will rise 2% over the long term, the price of the bond will reflect that future inflation increase and its effect on the bond's principal and interest payments. So, when you buy a real-return bond, you are only protecting yourself against unanticipated rises in inflation.

2. When the inflation rate falls over a six-month period, the principal and interest payments of a real-return bond fall. In times of deflation, the inflation rate turns negative. In a prolonged period of deflation, the principal of a real-return bond could fall below the purchase price. Interest payments would fall, as well.

3. As with regular bonds, holders of real-return bonds must pay tax on interest payments at the same rate as ordinary income. That income gets taxed at the investor's marginal rate. In addition, holders of real-return bonds must also report the amount by which the inflation-adjusted principal rises each year, as interest income, even though you won't receive that amount until the bond matures. That amount is added to the bond's adjusted cost base.

If the CPI level falls, that reduces the inflation-adjusted principal. You deduct the amount of that reduction from your taxable interest income that year, and also subtract it from the adjusted cost base.

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Find out how real-return bonds compare to regular bonds and if they make better additions to your portfolio
In simple terms, a bond is a form of lending whereby you lend money to a corporation or government. In return, a bond pays a fixed rate of interest during its life. Eventually, a bond matures, and holders get the bond's face value-but nothing more. Receiving the fixed interest and face value at maturity is the best that can happen. Note, though, that in some cases, corporate bonds can go into default. As well, inflation can devastate the purchasing power of bonds and other fixed-return investments.

Furthermore, bonds also generate more commission fees and income for your broker, compared to stocks, especially if you buy them via bond funds and other investment products.

Overall, it's true that bonds may reduce the volatility of your portfolio. That's because bonds and stocks do tend to move in opposite directions, up to a point. However, when interest rates on long-term bonds are so low, then it generally makes little sense to hold them.

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Is it worth holding a real-return bond?
Unless you are concerned about rampant inflation, we don't recommend real-return bonds. Even though inflation is likely to rise over the next few years, today's low inflation and interest rates make inflation-protected bonds less appealing than they were in the 1970s, when inflation and interest rates had the potential to unexpectedly move higher.

Note that if you do hold real-return bonds, they are best held in an RRSP or RRIF. You'll still be taxed at the same rate as ordinary income, but you'll postpone those income-tax payments until you withdraw the funds from your RRSP or RRIF.
Are bonds good investments for a diversified portfolio?
We feel that real-return bonds, like regular bonds, mainly ensure that you'll earn a low return on your investment. We continue to recommend that you invest only a small part of your portfolio, if any, in bonds and fixed-income investments.

Instead, focus your investing on building a diversified portfolio of well-established companies with a long history of paying dividends. We recommend a number of these types of stocks in our newsletters.

We also recommend our three-part Successful Investor approach to investing because equities are bound to be more profitable than fixed-return investments over long periods:

1. Invest mainly in well-established, mostly dividend-paying companies;

2. Spread your money out across most if not all of the five main economic sectors (Manufacturing & Industry; Resources & Commodities; Consumer; Finance; Utilities);

3. Downplay or avoid stocks in the broker/media limelight.

What has your experience with real-return bonds been like? With the speculation that inflation will rise in the near future, real-return bonds might seem like a good investment for some investors. What is your opinion? Do real-return bonds belong in a strong portfolio?

How Successful Investors Get RICH

Learn everything you need to know in 'The Canadian Guide on How to Invest in Stocks Successfully' for FREE from The Successful Investor.

How to Invest In Stocks Guide: Find 10 factors that make your investments safer and stronger.

Related Posts

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Real-Return Bonds and How They Compare to Regular Bonds

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Real-return bonds pay you a rate of return that's adjusted for inflation, but that's not always as promising as it seems. When a real-return bond is issued, the level of the consumer price index (CPI) on that date is applied to the bond.

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This wall will be used as a collection of ideas to keep in mind when deciding to start investing. You can expect to find out about the many risks and benefits of some of the top investment options on the market today.
Happy investing!

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The level of risk associated with a mutual fund is dependent on what is invested in. The most common types of risk are broken down into six categories:
1. Market risk - investment decline due to unavoidable risks that affect entire market
2. Liquidity risk - when investment value declines because there is no buyers
3.Credit risk - if a bond issuer can't repay a bond, investment becomes worthless
4. Interest rate risk - value falls when interest rates rise
5. Country risk - due to political changes or instability in the country the investment was issued
6.Currency risk - if other currency declines against the Canadian dollar, the investments value drops
Another risk to keep in mind about mutual funds is the fact that you are putting your trust in the portfolio manager's skills at picking investments.

A mutual funds risk is very similar to a stocks risk, as they are both a part of the equity market, whereas bonds are a part of the fixed-income market. I chose this website to conduct my research on because it was Canadian, had lots of helpful information on mutual funds rather than just the risks, and also included the safeguards that can protect your money. These safeguards being, if the firm you invested in goes bankrupt, and you are a member of either the Canadian Investor Protection Fund (CIPF) or the MFDA Investor Protection Corporation, you can file a claim and be protected of up to $1 million.

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There are safe and risky investments. Safe investments generally consist of GICs, government bonds, corporate bonds, and high yield savings accounts. While risky investments consist of stocks, futures, and options. There is also a type of investment that falls between the safe and risky types, this is called an index fund. It is a moderately safe investment that can come with  decent gains.

This website was useful by adding what type of investment is likely right for an individual, in case they are unsure, that is based on their income. Generally speaking, if you have a low income you should stick with the safe investments and the moderate index funds. The higher your income and extra available cash flow, you can generally be more risky, depending on your stress tolerance, and can go for those more risky options.

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While is likely the most important thing when it comes to building a good foundation of wealth, don't discount the importance of investing. While many savings accounts are rarely higher than around 1% returns per year, investments can be much higher. Of course, with this increase in expected returns, there is also a ton of risk associated with investments and you could potentially lose the majority of, if not all, the money you invested.

However, most people take these risks as, simply having your money in a simple savings account simply isn't enough to keep up with inflation and the cost of living, which always seems to be rising. So in order to ensure they don't fall behind and continue to generate wealth, they invest.

Before you go thinking that every investment is incredibly risky, you should also know that there are plenty out there that are generally safe and will perform much better than a savings account, with a low amount of risk. This article will take a closer look at safe and risky investments and talk about what they are, benefits and costs of each, and more.

When it comes to what to invest in, there are a ton of different choices you can make. There are stocks, options, futures, mutual funds, index funds, GICs, and more. But, for simplicities sake, we will look at them in two particular groups; safe investments and risky investments. Each of these types of investments has their own intricacies and nuances. Here is a quick little breakdown.

Safe Investments

A safe investment is one that won't garner you massive returns but is also unlikely to lose you a lot of money. These can often be depended on to make a little bit of money over time, but won't turn you into Bill Gates. These are things like GICs, government bonds, corporate bonds, and high yield savings accounts. They are a great option if you want your money to do better than a traditional savings account, but don't want to put it all on the line.

Risky Investments

A risky investment is one that is more volatile than a safe one, on both ends of the spectrum. Basically, if these go right, you can make huge returns on your initial investment. On the other hand, if the investment tanks, you could be left with nothing. These are generally things like stocks, futures, and options.

If you want something with moderate risk and moderate gains, you could look at things like investing in index funds. These are investments where instead of investing in a single company, you are investing in a group of companies. While the returns won't be as high, the risks aren't either.

Basically, every investment has some risk associated with it, but there is a large spectrum of risk with some being very safe that aren't likely to lose you much, with some being extremely risky where the chances of making a profit are low and the chances of a huge loss are high.

As you can see, there are definite benefits to each investment, whether safe or risky. A safe investment will give you peace of mind that you aren't likely going to lose it all, and it will still perform better than inflation most of the time. The big benefit of a risky investment is that if it goes well, you can expect huge returns.

There are, however, costs involved with each type of investment as well. A safe investment might feel like you aren't making much progress at all, and a risky investment could fall flat and cost you a lot of money in a relatively short time.
Click here to find out if syndicated mortgages a safe investment.
In terms of who should invest in what type of investment, there is really no right or wrong answer. Your choice of investment will depend on a couple of things. The first is your risk tolerance. If you are the type of person who likes to take risks and live life on the edge, you may be more willing to invest in a risky manner. On the other hand, if you have a low-risk tolerance, you might decide to stick with the safer investments in fear of losing your hard earned money.

Another thing that may dictate the right investment for you is how much money you have at your disposal to invest with. If you have a lot of money that you can afford to lose, you might be more willing to put it at risk in a riskier investment. However, if you barely have any to invest, you might rather see it slowly but steadily grow as opposed to potentially losing it quickly.

Also, your age and situation in life can also come into play when choosing what to invest it. Generally, younger people will often make riskier investments as they have less to lose and have a lot of time to recuperate if they lose big. People closer to retirement or with a family to take care of generally invest in a safer manner as they have people to take care of and don't want to lose the money they have worked for decades to earn.

Of course, there is no need to pick just one. You can elect to invest in both safe and risky investments if you want a truly diversified portfolio. For many people, this is a decent idea as they want the chance to hit it big with a risky investment, but also want the safety that comes with keeping some investments in a GIC or in index funds. Of course, heavy thought and research should go into this decision as investing is a big step for someone to take if they have never done it before.

Investing With a Low Income

While it might seem impossible to get ahead and invest when you have a fairly , that is not the case. When you have a low income, it is important to not to invest any money that you need, but investing is still a definite possibility. You definitely want to invest in fairly safe investments to ensure that your hard-earned money isn't lost. You should also look to minimize fees and minimums, as these can often eat away at profits, especially with the safer investments that already don't have a huge return. While the choice is yours when it comes to what you want to invest in, index funds are a good option as they are relatively safe, but often perform decently well as well. Of course, before thinking about investing, be sure to fully fund your emergency savings and tackle any high-interest debt you might have.

Ultimately, the choice is yours to make. It will come down to your risk tolerance if you can afford to lose your investments and your financial and life situations. Again, before investing at all, make sure you do your research on what to invest in and ensure that you only invest what you can afford to lose. There have been thousands of horror stories about people losing their entire life savings due to a bad investment, so don't be another statistic.

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A Look at Safe vs Risky Investments | Loans Canada

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While is likely the most important thing when it comes to building a good foundation of wealth, don't discount the importance of investing. While many savings accounts are rarely higher than around 1% returns per year, investments can be much higher.

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This video had a lot of great information packed into it about investments in general, so I'll jump right into the most important tips it had to say, that haven't been discussed on here yet already.
1. Are You in a Position/Ready to Invest?
This was mentioned a little bit under "website 4" but to take it a step further, one should consider if they have a lot of debt and if they have an emergency fund. These should be taken care of first, before investing.
2. Establish a Strategy
Figure out what kind of approach you want to take to investing before you start investing. Are you interested in a growth strategy or maybe a dividend strategy? Are you more comfortable with a passive or active approach?
3. Utilize a Sheltered Account
This is a place to put your money to compound and be sheltered from being taxed. In Canada we have TFSA, RSP, RRSP.
4. Being a Canadian, Don’t Limit Yourself to Only Canadian Investments
Canadian makes up such a small part of the global economy. Only makes up 2-4% of the global economy.
5. Canadian vs US Traded Stocks
If there is a Canadian and American version of the stock, make sure you pick the Canadian. Can do this by adding “:TO” at the end of stock symbol when looking up stocks.
6. Research your Investments
Good markets to invest in, in Canada, are financials (banks), energy, industrials, and materials (like gold, copper, silver).
7. Withholding Tax-US Dividends (TFSA)
If you have a US stock and put its dividends in a TFSA it will be subject to 15% tax. Option to avoid this is to hold it in an RSP instead.
8. Know That Learning About Investing Never Stops
There is always something new to learn.

This video had a lot of great tips for a beginner investor in general but also some specific tips for Canadians, that would be really useful to know before beginning to invest.

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Investing For Beginners In Canada (10 THINGS YOU NEED TO KNOW!!)

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This video is from the same guy in video #1, this time explaining some things to avoid when beginning to invest. Most of these tips can be applied to all of stocks, bonds, mutual funds, and even other investment options.
1. Don't Fall for New Trends and Fads
These are usually new and upcoming technologies and products, but usually by the time you hear about them, most of the growth has happened and they don't do so well long-term. Stick mostly with what markets are proven to work over the long-term, like banking, energy, industrials.
2. Don't Always Wait to Break Even
This can be a risk in itself, but sometimes it is best to take a loss on an investment and sell it, even for less than what you paid for it, in order to put that money into a more successful investment. This is especially true if the investment was not a "tried and true" proven to succeed investment, as some companies never recovers.
3. Investing Too Much Money
Don't invest beyond your means due to eagerness.
4. Don't Trust the Media Headlines
They can be good to learn terms and about the markets, but the information is generally more so for entertainment purposes and has short-term statistics.
5. Know That Even the Experts Can Be Wrong
They tend to seem very confident and act like they know everything, and will make bold predictions that could affect how you invest if you take what they say to heart, and more often than not, these bold predictions are actually wrong, which could hurt your investment portfolio if you listened to them.

This was a good resource to learn more about some things to avoid in order to limit risks in investing from a different perspective than those typical searches you'd find with a quick google research.

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10 Things I Wish I Knew Before I Started Investing | Investing for Beginners in Canada

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This video is about online brokers and which one/s are best for Canadians. The two most common are Questrade and Wealthsimple, which both are good for Canadians. However, there are pros and cons to each. Each pro could be considered a benefit and each con could be considered a risk. The best one for an individual will be based on which of the pros or cons outweighs the other. Some things to consider when deciding which one to use are:
1.Types of accounts supported
2.Types of investment products offered
3. Commission fees
4. Currency commission fees
5. Minimum balance & inactivity fees
6. Platform

Of course, one can always use both platforms to diversify their investments. This particular video was good at breaking down some of the most important factors to consider when deciding which online broker to use, or if you would want to use both/multiple.

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Questrade vs Wealthsimple Trade vs Interactive Brokers || BEST stock broker for Canadians (2020)

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Before deciding to buy a stock, whether for a long-term or short-term investment decision, one should figure out what the intrinsic value of a stock is before buying, in order to minimize the risk of losing rather than gaining money when you decide to sell. In order to figure out the intrinsic stock value, you want to start by finding the company value, and then the shares outstanding. Then divide the company value by the shares outstanding. The example given in the video is this:

The companies value is $10B.
The company has $100M shares outstanding.
So, you would divide 10 billion by 100 million and get $100.

This will give the value of the stock. If the price it's being sold for in the moment is under that amount, then the stock is currently being sold undervalued which can potentially yield in higher returns. If the value the stock is being sold for is over intrinsic value then the stock is being overvalued and generally won't yield as much growth, at least in the short-term.

I think this strategy can be beneficial for both long-term and short-term investments, however, much more so for short-term investments, as a company's value can drastically change over a longer period and the result of this calculation could be very different over the long-term. Overall, I found this to be an interesting tip that I had not heard of from anywhere else.

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Should you sell your stocks? || Intrinsic value & Air Canada stock analysis (2020)

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This images' writing was hard to read as just an attached photo, so I linked the website in order to be able to enlarge and zoom in to read it. This infographic goes over some basic things to consider when considering starting to invest, in order to decide if you are truly ready for it or not.

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Medium is an open platform where 170 million readers come to find insightful and dynamic thinking. Here, expert and undiscovered voices alike dive into the heart of any topic and bring new ideas to the surface. Learn more Follow the writers, publications, and topics that matter to you, and you'll see them on your homepage and in your inbox.

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This image displays some types of investment options and their risk level. It does not list out stocks in the infographic, but they would generally be considered high or middle risk, depending on the type. Mutual Funds are often considered middle risk, and bonds can be either middle or low risk, depending on their type as well.

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1. What Did You Learn About Your Topic That Surprised You the Most?

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1. What Did You Learn About Your Topic That Surprised You the Most?

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The top thing I learned about within this topic that probably surprised me the most is that Canada only makes up 2-4% of the global economy.

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2. Provide a Real Life Example of How This Topic is Relevant or Interesting for You

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2. Provide a Real Life Example of How This Topic is Relevant or Interesting for You

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I don't have any experience of investing myself, yet. With yet being the key word here though. I do plan on starting to invest once I get a job out of school and start to have a stable income and some money put away first. This was a great way to learn more about investing while in school as it contributed to my school marks and didn't take time out of my personal time to get this much of a foundation of the knowledge. I think learning to invest is a smart move for anyone who is capable (and comfortable with, of course).

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3. If You Could Pass on Your Knowledge to a Family Member or Friend, What Do You Think is the Most Important Thing to Pass on?

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3. If You Could Pass on Your Knowledge to a Family Member or Friend, What Do You Think is the Most Important Thing to Pass on?

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I think trying to pick just one thing specifically about investing to tell them would be very difficult, as there is so much information in the investing world, which is what I think scares most people away. The thing I would tell them is, that even though, yes there is a lot to learn, you don't have to know it all to get started and make some good investments. As well as it is worth taking the bit of extra time to learn the basics to get started as that’s all you really need if you don't want to get too serious/advanced.

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Same as above, but in a word document.