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The balance of risks and rewards - Canadian stocks

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The balance of risks and rewards - Canadian stocks

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This video provides a foresight into the future of Canadian stocks since interest rates are being lowered with government bonds providing lower yield. It's a great piece media to engross simply because it educates you on how volatile the market used to be, and certainly might become in the near future.

It's very interesting to realize how well prepared and how diversified investors should be in order to live amongst the TSX. That is something that really sticks out amongst most videos relating the topic. It's real and it's very important to know.

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Multigenerational Network of Female Leaders in Global Banking

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Balancing Risks & Rewards | Investing Products & Services | HSBC Bank Canada

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HSBC Canada http://www.hsbc.ca Fixed income investments or equities? That's one of the most important questions facing investors. Should Canadian investors seek the safety of bonds, or the risks and potential rewards of equity investments like stocks?

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This video is a perfect example of a step by step guide on how to approach investing for beginners. It's perfect for this topic of discussion simply because it allows us to understand the meticulous process of positive investing. TMX.ca (as shown in the video) is the website used that allows users (for free!) to find and track Canadian stocks for trading. It's a safe and respected method that aims at providing a network of information for all Canadians interested in the matter.

Something that really stood out in this video was the overwhelming amount of information that became quite accessible and easy on the eyes. It takes something so intimidating and creates a user friendly interface. Extremely useful!

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Canadian Stock Investing Strategy - Find, Track and Trade Canadian Stocks

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Go through the process discussed in the video once every couple weeks (or once a month), screening for new stocks to add to your list, and analyzing stocks currently on your list. Only buy stocks below the "buy zone" price.

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This video talks about the raging market of Canadian housing bonds and how people in Europe and the USA are taking advantage of our growing housing market. This video helps better explain why other countries invest in our housing market and shows that Canadians should too. With the fast pace rate of the rising Canadian housing market, now is a perfect time for Canadians to invest into our own housing market, before it comes to a screeching halt.

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Global investors fleeing volatility are taking refuge in an unlikely place: a Canadian housing market that some speculators are still betting is a bubble ready to pop.

Investors, mainly in Europe and the U.S., have already bought a record amount of Canadian mortgage-backed covered bonds this year, according to Fitch Ratings. The demand comes amid record household debt and lofty home valuations, which have made the stocks of Canada's largest private mortgage insurer and biggest non-bank lender the two most shorted in the country.

"If you didn't really have people believing the Canadian housing story, you wouldn't have them buying Canadian covered bonds," Gennadiy Goldberg, a fixed-income strategist at Toronto-Dominion, said by phone from New York. "I think it's a testament that maybe some of the worst fears are overblown."

Covered bonds offer the double collateral of both a pool of mortgage loans and the backing of the banks that make them. And it's the support of Canada's lenders - rated the world's soundest for seven straight years by the World Economic Forum after avoiding major bailouts during the financial crisis - that's helped investors look past bubble concerns.
AA Rated
"The analysis only comes down to the mortgage pool if the bank is insolvent, and they're AA rated entities," Suzanne Mistretta, the senior director at Fitch covering the securities, said by phone from New York. "Our rating of the banks and the sovereign take into account those risks."

At $31 billion worth of bonds, sold mainly in euros, British pounds and U.S. dollars, 2015 has already seen Canadian banks sell a record amount of covered bonds to finance mortgage lending, according to Fitch.

Canada's euro-denominated covered bonds' 0.6 per cent return makes them the best performers in the world this year for the segment, trailing only those from Italy, Portugal and Spain, economies only starting to emerge from the worst of the eurozone debt crisis, according to Bank of America Merrill Lynch data.
'It's Cheap'
The advance comes amid a tumultuous time for markets. Commodity prices have plunged to multi-year lows, while a recent crash in China's stock market sent the Chicago Board Options Exchange Volatility Index, known as the fear index, to its highest since 2009.

Sales of the top-rated Canadian covered bonds tended to be strongest amid general demand for other traditional haven assets like U.S. or Canadian government debt, said Fitch's Mistretta.

"If there's volatility in the markets and spreads tighten, and there's a demand or flight to quality such that the spreads come in and its economic for them to issue, that's when they'll issue," she said. "It's cheap."

Foreign investors' willingness to finance the mortgage lending of Canada's largest banks comes amid speculation the combination of inflated home prices and heavy debt loads have the nation set for a housing crash. Those concerns have been exacerbated by the downturn in oil and as Canada's economy shrank in the first half of 2015.

Short interest - or bets on a decline - in the eight-company Standard & Poor's/TSX Commercial Banks Index has climbed to the highest this year, according to data compiled by Bloomberg.

The stock of Genworth MI Canada Inc., the largest non-government mortgage insurer, and Home Capital Group Inc., the largest non-bank lender, are the two most-shorted in the country, at almost 50 per cent and 36 per cent.

Yet, investors faced with volatile global markets will continue to seek a haven in Canadian covered bonds, according to Fitch, which said in a report this month issuance could as much as double through the rest of the year to $62 billion.

"They are backstopped by multiple things," said TD's Goldberg. "That's one of the draws."
Bloomberg.com

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Foreigners are flocking into Canadian housing bonds, bubble fears and all

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Global investors fleeing volatility are taking refuge in an unlikely place: a Canadian housing market that some speculators are still betting is a bubble ready to pop. Investors, mainly in Europe and the U.S., have already bought a record amount of Canadian mortgage-backed covered bonds this year, according to Fitch Ratings.

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This symbolizes the well oiled machine of the stock market in Canada as it acts as the overall hub for Canadian market exchanges. Without the TSX there would simply be nothing to show for any of Canada's markets!

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This picture represents the percentages of what Canadians invest in. Fortunately enough, majority of investments are done with Canadian bonds and Canadian stocks meaning there is healthy circulation throughout our country!

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Investors digest is the perfect start and guideline for Canadians to learn and practice the art of investing. It'll keep you up to date with the plethora of research available and will provide you with the necessary advice needed.

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Canadian bonds have been a popular method for savings programs but raise the question of worth over a long period of time. Any yields on Canadian savings bonds are lower due to their low risk and have declined significantly so in recent years.

Regardless though, many Canadians are prone to purchasing these forced savings bonds which inevitably resorts to how good that individual is in regards to their savings. If you're someone who ends up wasting their extra cash at the end of the month then purchasing these bonds may just be the correct measure for you. If you're interested in saving money at a young age then this is definitely something that needs to be considered.

It's remarkable to think about how much money could have been saved in the long run had you saved instead of spent the extra money!

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Canada Savings Bonds have been sold every fall in Canada since they were introduced as Victory War Bonds in 1946. Promoted as a safe and secure savings product they are issued by the Government of Canada. Historically they have been popular as a flexible and convenient savings program. But are they a good idea?

Yields on Canada Savings Bonds, always lower due to their low risk, have declined significantly in recent years reflecting the low interest rate environment we are living in. The 2012 Canada Savings Bonds will pay just 0.5% interest in the first year. Rates for subsequent years are unknown as they are set each year around October for November 1. Yields on Canada Premium Bonds (available only through a financial institution, more on that later) are a little higher at 1.0% for the first year with a three year average yield of 1.19%. All of these rates are below yields offered through many on-line high yield investment savings accounts or 1 year Guaranteed Investment Certificates and are below our current rate of inflation.

Despite this about a million Canadians purchased Canada Savings Bonds each year. Most are sold through payroll deduction plans with their employer. In fact, beginning in 2012, Canada Savings Bonds can only be purchased through payroll savings plans at work. If you wish to purchase your bonds through a financial institution you must now purchase Canada Premium Bonds.

The million dollar question is - how good of a saver are you? Everyone knows that saving money for the future is a good idea. Unfortunately some of us are better savers than others. If you are the type of person that if you have an extra $20 in your bank account at the end of the week you will be tempted to think of that as spare money and spend it at say the movies or on a trip to the coffee house, then a forced automatic savings program is a good idea for you. A program set up through your employer is convenient and not something you have to arrange on your spare time. So if your alternative is no savings or purchasing Canada Savings Bonds through your work payroll deduction program then perhaps it is a good idea for you, low rate or not. But if you have the time consider investigating other options.

Next week: Should you save or pay down debt?

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Canada Savings Bonds - Are They A Good Idea? - MoneyProblems.ca

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Canada Savings Bonds have been sold every fall in Canada since they were introduced as Victory War Bonds in 1946. Promoted as a safe and secure savings product they are issued by the Government of Canada. Historically they have been popular as a flexible and convenient savings program. But are...

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This article is perfect for beginners looking to start investing! Barclay has revealed a compiled list of the top companies in Canada and the top six that you should be investing in. Full detailed values are represented with these six companies: Goldcorp Inc., Suncor Energy Inc., Enerplus Corp., Manulife Financial Corp., Canadian Tire Corp. Ltd. and Quebecor Inc., as the most prominent for uprising in their respective markets

Surprisingly enough it's astonishing to know that Canadian Tire is compared to a U.S. giant like BestBuy in the retail industry, and it just goes to show that even Canada can output some massive selling power.

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Barclays has unveiled its 140 top picks for equity investors in 2014, with 58 coming from the Americas but only six of them are listed on the TSX.

Goldcorp Inc., Suncor Energy Inc., Enerplus Corp., Manulife Financial Corp., Canadian Tire Corp. Ltd. and Quebecor Inc. made the cut as Canadian favourites among the investment bank's analysts.

Goldcorp, which was listed along with other basic industries companies such as Freeport McMoRan Copper & Gold Inc. and CF Industries Holdings Inc., is rated overweight with a US$34 price target. That implies potential upside of more than 60%.

"Goldcorp is the most compelling growth story in our coverage universe as the company's development projects are well into the construction phase, with all of its current growth projects expected to commence first gold production within the next 18 months," analyst Farooq Hamed wrote.

He estimates gold production growth of 33% by the end of 2015 for Goldcorp, adding that spending should fall by 21%, or US$500-million, in 2014 since 2013 has been the miner's largest capex year.

Suncor, one of two Canadian energy names highlighted, is rated overweight with a $48 price target, implying upside of approximately 30%.

Analyst Paul Cheng thinks the stock offers one of the best risk/reward profiles among large-cap oil majors, pointing to the company's expected 6% to 8% annual production growth for the next 10 to 15 years. He also highlighted Suncor's positive free cash flow generation after capex and its dividend with oil prices below US$100 per barrel.

Enerplus, another one of Barclays' seven energy picks, is rated overweight with a $23 price target, implying upside of roughly 15%.

Grant Hofer praised the company's attractive growth profile, conservative guidance and well-funded 5.5% dividend yield.

"The company's growth is driven by its North Dakota Bakken and Pennsylvania Marcellus assets, along with an emerging liquids-rich portfolio in Canada," the analyst said. "Today, Enerplus ranks among the best in the sector on most financial and operating metrics, but continues to trade near the lower end of the peer group as its cash flow growth kept pace with share price performance year-to-date in 2013."

Manulife joins J.P. Morgan Chase & Co., Simon Property Group Inc., Nasdaq OMX Group Inc. and 15 other financial services companies on the list.

Analyst John Aiken, who rates the Canadian lifeco at overweight with a $23 price target, highlighted its sensitivity to a strengthening global economy and contributions from growing operations in Asia.

"Manulife's earnings have the most upside of its peers in a rising interest rate and equity market environment, and, with the actions undertaken, we believe that it has strongly positioned itself to benefit from the primary and secondary impacts of a stronger global economy," he said.

Canadian Tire Corp. was selected along with U.S. retailers such as Best Buy Co. Inc. and Gap Inc. due to several potential upside drivers in the next 12 to 24 months.

Analyst Jim Durran pointed to the iconic Canadian retailer's partial sale of square footage into its CT REIT subsidiary, increased share buybacks, and a higher valuation multiple when consumer spending improves.

Quebecor joins American Tower Corp. as the only telecommunications companies on Barclays' list.

"We believe Quebecor's strong competitive position will further strengthen over the next several years with its growing wireless business; we also believe the market is underestimating the value of the wireless business," analyst Phillip Huang said. "In addition, Quebecor is practically immune to the potential new regulations given its position as a new wireless competitor and its already flexible TV pricing plans."

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Barclays has unveiled its 140 top picks for equity investors in 2014, with 58 coming from the Americas but only six of them are listed on the TSX. Goldcorp Inc., Suncor Energy Inc., Enerplus Corp., Manulife Financial Corp., Canadian Tire Corp. Ltd. and Quebecor Inc.

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This website educates individuals on the matters regarding bond purchases and how to avoid the multiple risks. It explains how buying any sort of bond will be risky since it's a fluctuating market...however there is a solution.
Buying bonds and waiting for them to mature is a perfect way to counter-act some of the risks involved in bond purchases.

Something useful that you can take from this article is that GIC's are the perfect bonds to experiment with since they don't have a secondary market to sell on. Just don't expect any money anytime soon!

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In a recent Investor Clinic video, I invited readers to send me their questions about investing. Care to guess which topic came up more than any other?

Momentum investing? Emerging markets? Nope. Bonds.

Clearly, investors are still craving safety.

So today, we'll answer a couple of your questions about bonds. Next week, we'll tackle a few questions that aren't about bonds. And the week after that, we'll take a detailed look at a small but important corner of the bond market - real return bonds.

Before we get to your questions, you may wish to brush up on the bond basics by reading my " Five-Minute Bond Boot Camp". Or print it out and save it for later - makes a handy excuse if you're invited to the in-laws.
I've been reading a lot about bonds. My question is: How do I access bond market listings (similar to the stock market)? - D.S.
The bad news is that, unlike the stock market, there isn't a central bond exchange where transaction prices are posted for all to see. Rather, bonds trade in a decentralized "over-the-counter" market between dealers. The process is more opaque than the stock market and leaves retail investors vulnerable to, shall we say, pricing discrepancies.

There are proposals to make the bond market more transparent, but "the fixed-income and over-the-counter markets still operate in near complete darkness," according to investor advocate FAIR Canada.

The good news is that it's getting easier for retail investors to peer inside the black box.

One example is canadianfixedincome.ca, a free service operated by CBID, an electronic marketplace that provides the previous day's closing offer-side prices for a wide range of bonds, as well as intraday quotes for a limited number of securities. Investors who want more detailed, real-time data can pay $19.99 a month for CBID's BondView subscription service. (CBID offers a free seven-day trial on its website.)

"People do want to shop for the best price, so we make that easy. We put it right on your desk," said Lawrence McCann, vice-president of CBID, a division of Perimeter Markets Inc.

CBID's pricing data are provided by half a dozen bond dealers including Bank of Montreal, Laurentian Bank of Canada and Merrill Lynch. For a fee, CBID connects these "liquidity providers" with advisers, certain discount brokers and investment counsellors who want a convenient way to shop the best prices for their retail clients.

Bear in mind that the price you see on canadianfixedincome.ca probably won't be the price you pay as a client, because you'll likely face a commission or markup on CBID's wholesale prices.

CBID doesn't cover the entire bond market - just a small part of it. The lion's share of bond trading is done by the chartered banks, most of which don't belong to CBID. But there are ways to comparison shop with the big boys, too.

Hank Cunningham, fixed-income strategist with Odlum Brown Ltd. and author of In Your Best Interest: the Ultimate Guide to the Canadian Bond Market, recommends investors use a full-service broker to shop the market on their behalf. For do-it-yourselfers, he suggests opening two discount brokerage accounts to compare prices on the same bond (assuming both discount brokers are offering it).

Yet another place to find bond quotes is on this page at globeinvestor.com. Globeinvestor's data are provided by CIBC World Markets.
I bought Canada Savings Bonds as a kid and never lost a penny. Now I hear people saying bonds can be risky. I'm confused. Are bonds safe or not? - B.H.
Some bonds can indeed be risky. If you own a corporate bond and the company goes bust, for example, you could lose all or part of your money.

Even "safe" bonds carry some risk. If you buy a Government of Canada bond and interest rates rise, the price of the bond will fall in the market, and you could suffer a loss if you sell. (This risk doesn't apply to a Canada Savings Bond, however, which is a special type of bond that doesn't trade in the open market and is cashable at its face value.)

The way around this is to buy and hold bonds until they mature. If you do that - assuming the issuer doesn't default - you won't have to worry about short-term price fluctuations.

Now, one could argue it's also possible to lose money even when the investor holds to maturity. How? Inflation. Say you buy a $100 one-year bond that pays 2-per-cent interest annually, but the consumer price index rises 3 per cent. At the end of one year you will have $102, but things will cost 3 per cent more, so in real terms you will have $102 divided by $103 - or about 99 per cent of your previous spending power.

If watching bond prices bounce around gives you an upset stomach, there's an antidote: guaranteed investment certificates. GICs are really just bonds that you have to hold until maturity. Because there's no active secondary market in which to sell them, there are no price fluctuations to worry about. All you see is the interest piling up, which is comforting.

The downside is that, if you need the money in a pinch, you're out of luck (unless you buy a cashable GIC).

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bonds credit education info fixed income heinzl investing canada business

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The business of bonds: How to buy and what's safe

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In a recent Investor Clinic video, I invited readers to send me their questions about investing. Care to guess which topic came up more than any other? Momentum investing? Emerging markets? Nope. Bonds. Clearly, investors are still craving safety. So today, we'll answer a couple of your questions about bonds.

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We'll be taking you through the process of investing in a company's stocks/bonds and the multitude of risks and rewards that might come with it.

We aren't promising that you'll be a full pledged investor by the end of this, but we can guarantee you'll a thing or two to get you started!

Enjoy!

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Investments - Risks and rewards. The thrilling process of investments. 

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Investments - Risks and rewards. The thrilling process of investments. 

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By Kayan Paiva, Nicholas Calvelli