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The reflection questions that I completed after having finished my research for this assignment.

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This image shows the cycle of investing in mutual funds, receiving the dividends and reinvesting once again. This image was helpful to me as it simplifies the investing process of mutual funds. It also shows how you can use the profits you make to invest once again and potentially make an even bigger profit.

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This website very clearly explains what Canadian mutual funds are and how they work. I found it helpful having the bare bones of mutual funds exposed and explained as well as how mutual fund management companies make their money. I learned that by investing in a "pool" with others you can really increase your purchasing power on the stock market and diversify your financial portfolio. Interesting to note was that mutual fund management companies make all of their money off of the fees they charge their investors. This has made me very cautious about investing in a mutual fund, and will definitely make me analyze many different mutual fund organizations before I invest, if I do ever decide to do so.

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globefund.com - Analyze and compare performance of any Canadian mutual fund for free. Read expert commentary and articles from The Globe and Mail, produce customized reports and charts, or track your investments with Globe Portfolio.

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This video takes a look at the recent stock market losses and explains how and why it happened. I thought it was interesting and helpful to know that somewhere as far away as China can have such a sort of ripple effect throughout the worldwide economy. I never understood it very well before, but I got a grasp of it a bit better by watching this video. A helpful analogy used by one of the speakers was "A punctured balloon never deflates in an organized manner" when referring to what happened to the stock market. For some reason this quote really resonated with me allows me to visualize decreasing stock markets in a way I hadn't thought of before.

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This week's market mayhem was sudden and dramatic. From Asia to Europe to New York and Toronto. Some analysis from The Bottom Line Panel.

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Image 2 - The Benefits of Laddering GIC Maturities

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Image 2 - The Benefits of Laddering GIC Maturities

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This image, taken from the TD Canada website, shows the benefit of laddering your GICs. I found this helpful because what this means is that if you get multiple GICs you should set them up so that as one GIC's term ends another's will begin. You can have a more constant and reliable flow of money this way instead of receiving all of the payments at once.

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This website that is operated by the Government of Canada explains what Canada Savings Bonds (CSBs) are, how they can benefit you and how you can purchase your own through your employer. I thought that it was quite interesting and helpful that you can purchase a savings bond from the government and receive interest payments from it over a period of years. It is a very safe and virtually risk free way to obtain money over a period of time. Although you lose your principal when you first purchase a bond, you will receive money back on it throughout an agreed upon length of time as well as also receiving your principal at the end of the term.

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An interesting video that takes a look at the declining amount of Canadians investing in pensions and the rise of those who invest in mutual funds, while also comparing the risks and rewards between the two. I found it very helpful that the video explained that although mutual funds are low risk investments, they do not compare to the advantages of investing in a pension over a long period of time. This is because there are much more fees to be paid when investing in mutual funds than with pensions. The fees for mutual funds are on average 2.1% while for pensions they are only 0.38%. This may not make much difference in a year, but compounding these fees over a long career means that those who invest in mutual funds instead of pensions will end up with 40% less money saved for their retirement versus those who invested in pensions over the same length of time.

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Canadian Foundation for Advancement of Investor Rights

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Mutual Funds vs Pensions: Which provides for a better retirement?

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According to a new study, high mutual fund fees could cause Canadians to delay their retirement by as much as 11 years or leave them with 40 per cent less money for their retirement. Amanda Lang speaks to Neil Gross of the Canadian Foundation for Advancement of Investor Rights for his take.

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The Toronto Stock Exchange is where all of the publicly traded companies in Canada have their stocks bought or sold. Anyone can invest in these stocks, albeit with a very high risk to reward ratio. The scale of this picture made me realize just how complicated and intimidating the stock market can appear to an outsider.

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Website 1 - TD Canada Savings and Investing 

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Website 1 - TD Canada Savings and Investing 

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This website is an excellent resource for those interested in learning what the many different types of investments you can make are. There are a great number of things that make this website very useful, however I thought the most useful thing to learn about was the Tax-Free Saving Account (TFSA). Investing in a TFSA sooner than later can help you grow you money without having to pay taxes on it. The earlier you start the better it is. This website also helps you understand stocks and how to get into investing in them.

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Savings and Investing Plans & Products | TD Canada Trust

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Looking to invest? We can help you reach your savings and investing goals with a recommended suite of accounts, products and services from TD Canada Trust.

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Video 1 - Guaranteed Investment Certificates (GICs)

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Video 1 - Guaranteed Investment Certificates (GICs)

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In this video, what GICs are as well as their risks and rewards are explained. I found it helpful that the man in the video explained how to shop around for different GICs from different banks and how to be sure you receive the best GIC for the money you will be spending, as well as detailing how low of a risk GICs are. It was also interesting to learn that there is a type of GIC called a Term Deposit that you can collect on throughout a 1 year period.

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What is a Guaranteed Investment Certificate (GIC)?

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Bruce Williams interview with Bill Ritchie on A Channel.

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Hello there. This padlet was designed to inform you about the wonders of investments! As you take a journey through this padlet you will learn what investments are, how they can help you financially, what types of investments you can have, as well as the risks and rewards involved with investing. To properly view a video, website or image, click on it to enlarge it or to bring you to the websites home domain. Scroll to the bottom of this padlet to find the answered reflection questions.