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      <title>Investing-stock/bond/mutual fund by </title>
      <link>https://padlet.com/kirubagarankulaveerasingam/indsqjsumhgyrztu</link>
      <description>Kiruba Kulaveerasingam</description>
      <language>en-us</language>
      <pubDate>2025-03-20 23:36:21 UTC</pubDate>
      <lastBuildDate>2025-03-29 14:00:46 UTC</lastBuildDate>
      <webMaster>hello@padlet.com</webMaster>
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         <title>Welcome to my wall,</title>
         <author></author>
         <link>https://padlet.com/kirubagarankulaveerasingam/indsqjsumhgyrztu/wish/3380650774</link>
         <description><![CDATA[<p>Hey everyone, welcome to My Wall! If you're keen to understand how to grow your wealth while managing the inherent risks, you've landed in the right spot.</p><p>In My Wall, you'll find a breakdown of key investment concepts, designed to help you navigate the financial landscape. We'll explore the dynamic interplay between risk and reward, empowering you to build a portfolio that reflects your individual financial aspirations and risk tolerance.</p><p>Here's a glimpse of what you'll find in My Wall:</p><ul><li><p><strong>Stocks:</strong> We'll delve into the intricacies of equity investments, where you gain partial ownership in companies. We'll discuss the potential for significant returns alongside the inevitable market volatility.</p></li><li><p><strong>Bonds:</strong> Discover the stability of debt securities, which offer a predictable income stream. We'll analyze how bonds provide a less volatile alternative to stocks, albeit with generally modest returns.</p></li><li><p><strong>Mutual Funds:</strong> Learn how to diversify your investments through pooled funds, spreading risk across a range of assets. We'll examine how mutual funds can help you achieve a balanced portfolio.</p></li></ul><p>My Wall aims to equip you with the knowledge and tools necessary to make informed investment decisions. We'll analyze market trends, explore investment strategies, and provide insights to help you build a solid financial foundation.</p><p>&nbsp;</p>]]></description>
         <enclosure url="" />
         <pubDate>2025-03-25 03:27:09 UTC</pubDate>
         <guid>https://padlet.com/kirubagarankulaveerasingam/indsqjsumhgyrztu/wish/3380650774</guid>
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         <title></title>
         <author></author>
         <link>https://padlet.com/kirubagarankulaveerasingam/indsqjsumhgyrztu/wish/3384199456</link>
         <description><![CDATA[<p>This video simplifies investing for beginners, contrasting saving (short-term, safe) with investing (long-term, riskier). It explains risk tolerance and common investment types: stocks (high risk, high reward), bonds (lower risk, interest), GICs (fixed returns), and diversified options like mutual funds and ETFs.</p><p>I chose this video for its clear, beginner-friendly approach. It breaks down complex financial concepts effectively, offering a solid foundation for understanding investment basics. The video's concise explanations and comprehensive overview make it a valuable starting point for anyone new to investing.</p><p>&nbsp;</p>]]></description>
         <enclosure url="https://www.youtube.com/watch?v=rhG5HVbxsFY&amp;t=1s" />
         <pubDate>2025-03-27 02:11:24 UTC</pubDate>
         <guid>https://padlet.com/kirubagarankulaveerasingam/indsqjsumhgyrztu/wish/3384199456</guid>
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      <item>
         <title></title>
         <author></author>
         <link>https://padlet.com/kirubagarankulaveerasingam/indsqjsumhgyrztu/wish/3384200449</link>
         <description><![CDATA[<p>This video is a clear demonstration of Canada's three main tax-benefit accounts: RRSPs Registered Retirement Savings Plans, TFSAs Tax-Free Savings Accounts, and FHSAs First Home Savings Accounts. It demonstrates how each account works and the benefit of investing in them, emphasizing the importance of investing the amount rather than keeping it idle since that could result in loss in case it is left to be affected by inflation. The video also talks about tax-free compounding returns and the reason why Canadians should make use of these accounts to their maximum so that they save as much as possible.</p><p>I chose this video because it gives an overview of RRSPs, TFSAs, and FHSAs in simple steps that one can follow despite being a novice. The most useful information I learned in this video was the significance of not just funding these accounts, but of actually investing the money in them. Many people create these accounts without realizing that leaving the money uninvested is losing their tax-saving advantage. That particular point was strongly emphasized and allowed me to realize why the execution of investment measures is most crucial in realizing the potential from these tax incentives</p>]]></description>
         <enclosure url="https://www.youtube.com/watch?v=Q1SEy4UkiaM" />
         <pubDate>2025-03-27 02:12:02 UTC</pubDate>
         <guid>https://padlet.com/kirubagarankulaveerasingam/indsqjsumhgyrztu/wish/3384200449</guid>
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      <item>
         <title></title>
         <author></author>
         <link>https://padlet.com/kirubagarankulaveerasingam/indsqjsumhgyrztu/wish/3384202647</link>
         <description><![CDATA[<p>This video analyzes the Canadian stock market, emphasizing its reliance on financials, energy, and materials, while noting the tech sector's absence. It highlights the financial sector's strength, particularly the "big six" banks, which consistently outperform other sectors and the overall market. Conversely, utilities, real estate, and energy tend to lag long-term.</p><p>The video also addresses the Canadian market's historical underperformance compared to global benchmarks, especially the S&amp;P 500. Despite recent energy gains, most Canadian sectors struggle to match international market growth. It concludes with a math-based investment strategy, advocating for a focus on financial stocks within Canadian portfolios, while cautioning against over-reliance on sectors that consistently underperform.</p><p>&nbsp;</p>]]></description>
         <enclosure url="https://www.youtube.com/watch?v=AhL9z_jTx8o" />
         <pubDate>2025-03-27 02:13:20 UTC</pubDate>
         <guid>https://padlet.com/kirubagarankulaveerasingam/indsqjsumhgyrztu/wish/3384202647</guid>
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      <item>
         <title></title>
         <author></author>
         <link>https://padlet.com/kirubagarankulaveerasingam/indsqjsumhgyrztu/wish/3384204907</link>
         <description><![CDATA[<p>This video guides Canadian investors on diversification, covering market caps, asset allocation, and global ETFs. It outlines three investment tiers: Canadian ETFs, US stocks via Canadian ETFs, and direct US ETFs, addressing currency and tax issues. The speaker prioritizes research and comparison, favoring Canadian index ETFs like XIU.</p><p>I chose this video for its practical advice on Canadian diversification. It tackles crucial details like taxes and currency, often missed in basic guides. Its tiered approach and ETF selection process offer clear, actionable steps for building a balanced portfolio, making it valuable for Canadian investors.</p><p>&nbsp;</p>]]></description>
         <enclosure url="https://www.youtube.com/watch?v=Up5_lIfib00" />
         <pubDate>2025-03-27 02:14:36 UTC</pubDate>
         <guid>https://padlet.com/kirubagarankulaveerasingam/indsqjsumhgyrztu/wish/3384204907</guid>
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         <title></title>
         <author></author>
         <link>https://padlet.com/kirubagarankulaveerasingam/indsqjsumhgyrztu/wish/3384206395</link>
         <description><![CDATA[<p>Get Smarter About Money is the Ontario Securities Commission's educational website that provides free tools and resources to educate Canadians on making intelligent financial choices. It addresses topics such as investing, retirement savings planning, budgeting, and fraud protection. The website also contains interactive resources such as guides, quizzes, and calculators to simplify complex financial concepts. It even talks about the investors' rights and responsibilities to make them aware of risk, diversification, and financial planning. Whether you are a new investor or experienced investor, the platform gives you hands-on practice to confidently move around the financial markets and make informed decisions that are in sync with your personal and financial goals.</p>]]></description>
         <enclosure url="https://GetSmarterAboutMoney.ca" />
         <pubDate>2025-03-27 02:15:27 UTC</pubDate>
         <guid>https://padlet.com/kirubagarankulaveerasingam/indsqjsumhgyrztu/wish/3384206395</guid>
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      <item>
         <title></title>
         <author></author>
         <link>https://padlet.com/kirubagarankulaveerasingam/indsqjsumhgyrztu/wish/3384207117</link>
         <description><![CDATA[<p>Morningstar Canada is an Internet investment research website that provides stock, ETF, and mutual fund information, such as ratings and analysis. It offers independent evaluation of investment products to help Canadian investors make effective investment choices. The website includes portfolio management features, performance tracking, and risk assessment. Investors can compare positions, analyze market trends, and choose the most profitable investment vehicles with professional guidance and detailed reports. Morningstar also offers high-end services for broader analysis and investment planning. It's a trusted tool for both institutional and individual investors who want data-driven advice in making and maintaining their portfolios.</p>]]></description>
         <enclosure url="https://www.morningstar.ca/ca/" />
         <pubDate>2025-03-27 02:15:53 UTC</pubDate>
         <guid>https://padlet.com/kirubagarankulaveerasingam/indsqjsumhgyrztu/wish/3384207117</guid>
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      <item>
         <title></title>
         <author></author>
         <link>https://padlet.com/kirubagarankulaveerasingam/indsqjsumhgyrztu/wish/3384212357</link>
         <description><![CDATA[<p>The Globe and Mail's Investing pages provide current investing news, Canadian and world investing trends, as well as insight from experts regarding Canadian and global investments. Topics of interest such as equity markets, real estate, bonds, and personal investment strategies are also covered. Financed by analysis from financial and industry experts, the section presents information on developments in the economy and investing potential. Investors can also access data on Canadian stocks, ETFs, and mutual funds while staying informed about changes and economic forecasts. Whether for daily market updates or long term investment strategies, The Globe and Mail’s Investing section is a trusted source for financial knowledge in Canada.</p>]]></description>
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         <pubDate>2025-03-27 02:18:38 UTC</pubDate>
         <guid>https://padlet.com/kirubagarankulaveerasingam/indsqjsumhgyrztu/wish/3384212357</guid>
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      <item>
         <title></title>
         <author></author>
         <link>https://padlet.com/kirubagarankulaveerasingam/indsqjsumhgyrztu/wish/3384215789</link>
         <description><![CDATA[<p>Vanguard is a renowned low cost seller of mutual funds and ETFs and they also sell long term investing. It is renowned for using passive investment strategies, which are designed to help Canadians get rich with efficiency. The website of Vanguard offers learning materials, market data, and financial planning tools. Its shareholders can view different index funds designed for various risk profiles and goals. Vanguard Canada provides dependable investment choices for various financial requirements and market situations, with expertise in cost efficiency, transparency, and investor-centric principles in retirement planning or investing in general.</p>]]></description>
         <enclosure url="https://www.vanguardcanada.ca/individual/etfs.htm" />
         <pubDate>2025-03-27 02:20:31 UTC</pubDate>
         <guid>https://padlet.com/kirubagarankulaveerasingam/indsqjsumhgyrztu/wish/3384215789</guid>
      </item>
      <item>
         <title>What did you learn about your topic that surprised you the most?</title>
         <author></author>
         <link>https://padlet.com/kirubagarankulaveerasingam/indsqjsumhgyrztu/wish/3385729750</link>
         <description><![CDATA[<p>What surprised me the most about investing into stocks and mutual funds was how important diversifying is. I used to think investing was just picking few good stocks but I learned that spreading your money across different types of investments help lower risk. Stocks can grow quickly but are unpredictable, while bonds are more stable/ Mutual funds make it easier by combining different investments.</p>]]></description>
         <enclosure url="" />
         <pubDate>2025-03-27 23:08:46 UTC</pubDate>
         <guid>https://padlet.com/kirubagarankulaveerasingam/indsqjsumhgyrztu/wish/3385729750</guid>
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      <item>
         <title>Provide a real-life example of how this topic is relevant or interesting for you.</title>
         <author></author>
         <link>https://padlet.com/kirubagarankulaveerasingam/indsqjsumhgyrztu/wish/3385730055</link>
         <description><![CDATA[<p>A real life example is when I first started investing. I bought a few stocks, but their value kept going up and down and wasn't stable. After learning more I decided to invest into ETFs and mutual funds, which helped balance my portfolio and reduce the amount I lose.</p><p><br/></p>]]></description>
         <enclosure url="" />
         <pubDate>2025-03-27 23:09:17 UTC</pubDate>
         <guid>https://padlet.com/kirubagarankulaveerasingam/indsqjsumhgyrztu/wish/3385730055</guid>
      </item>
      <item>
         <title>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?</title>
         <author></author>
         <link>https://padlet.com/kirubagarankulaveerasingam/indsqjsumhgyrztu/wish/3385730348</link>
         <description><![CDATA[<p>If I were to teach a family member or friend, I would tell them to start investing as soon as possible and not put all their money into one stock. Diversifying your stocks is key to help lower risks of losing while still allowing their money can grow over time. Even a small investment can add up in the future/</p>]]></description>
         <enclosure url="" />
         <pubDate>2025-03-27 23:09:43 UTC</pubDate>
         <guid>https://padlet.com/kirubagarankulaveerasingam/indsqjsumhgyrztu/wish/3385730348</guid>
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      <item>
         <title>Toronto Stock Exchange 1981</title>
         <author>kirubagarankulaveerasingam</author>
         <link>https://padlet.com/kirubagarankulaveerasingam/indsqjsumhgyrztu/wish/3385735249</link>
         <description><![CDATA[<p>This photo shows the Toronto Stock Exchange way back when! Before computers, traders would rush around, yelling orders and waving papers. It was super busy and loud, with everyone trying to make the best deals.</p>]]></description>
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         <pubDate>2025-03-27 23:17:53 UTC</pubDate>
         <guid>https://padlet.com/kirubagarankulaveerasingam/indsqjsumhgyrztu/wish/3385735249</guid>
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      <item>
         <title>Toronto financial District</title>
         <author>kirubagarankulaveerasingam</author>
         <link>https://padlet.com/kirubagarankulaveerasingam/indsqjsumhgyrztu/wish/3385736581</link>
         <description><![CDATA[<p>Toronto's Financial District is the heart of Canada's economy. Skyscrapers dominate the skyline, housing major banks and investment firms. 1 Bay Street buzzes with activity, a hub for financial professionals. The area blends historic architecture with modern towers, reflecting Toronto's growth as a global financial center.</p><p>&nbsp;</p>]]></description>
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         <pubDate>2025-03-27 23:19:57 UTC</pubDate>
         <guid>https://padlet.com/kirubagarankulaveerasingam/indsqjsumhgyrztu/wish/3385736581</guid>
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