Investment - Stocks/Bonds/Mutual Funds. Explore risk and benefits by https://padlet.com/Fernando_CortesNila/yurkfy29rn1o Money Matters en-us 2019-11-20 15:53:29 UTC 2024-06-02 10:14:46 UTC hello@padlet.com https://padlet.net/icons/png/1f916.png What did you learn about your topic that surprised you the most? Fernando_CortesNila https://padlet.com/Fernando_CortesNila/yurkfy29rn1o/wish/414086467 The different ways that investment can be done, and the introduction to roboadvisors. A whole investment process done in few clicks; it is mind blowing.]]> 2019-11-20 15:58:58 UTC https://padlet.com/Fernando_CortesNila/yurkfy29rn1o/wish/414086467 How is this topic relevant or interesting for you? Fernando_CortesNila https://padlet.com/Fernando_CortesNila/yurkfy29rn1o/wish/414086846 I find salaries limiting. I wonder how I can go beyond my biweekly paycheck. Investing looks like a way to obtain more income, therefore, more goals can be met.]]> 2019-11-20 15:59:23 UTC https://padlet.com/Fernando_CortesNila/yurkfy29rn1o/wish/414086846 What do you think is the most important thing to pass on? Fernando_CortesNila https://padlet.com/Fernando_CortesNila/yurkfy29rn1o/wish/414087420 That investing is not as scary as it sounds.]]> 2019-11-20 16:00:04 UTC https://padlet.com/Fernando_CortesNila/yurkfy29rn1o/wish/414087420 Investment Padlet Fernando_CortesNila https://padlet.com/Fernando_CortesNila/yurkfy29rn1o/wish/414089232 Welcome to the journey. Here you will learn about stock, Bonds, and Mutual Funds, also known as Investment. 

First we'll discuss a group of videos explaining the basics of Bonds, Mutual funds and Stock. One video advises how to start investing in four different ways. A website provides a sheet with relevant information and instructions, because it is always handy to have this information close by. This website provides a questionnaire to verify your understanding of investment. A robotadvisor is also included to help you to jump into investing. And finally it provides a list of the 35 best Canadian companies to invest in. 
I hope you have as much fun learning about investment as I did.]]> 2019-11-20 16:02:08 UTC https://padlet.com/Fernando_CortesNila/yurkfy29rn1o/wish/414089232 Video #4: How Do I Start Investing? 4 Ways to Invest as a Beginner Fernando_CortesNila https://padlet.com/Fernando_CortesNila/yurkfy29rn1o/wish/415583547 There are four ways to start investing for total beginners. The bank has advisors that can guide and help to create an investment portfolio, and usually fees are higher. An independent certified financial planner can help with unbiased advice; however they are paid in advance. Online sites usually offer lower fees but advance knowledge is required for good results. The fourth option is a Roboadvisor which controls the whole investment process: their fees are usually low.

After learning the basics of investment products the next step is to invest. This video explains four different ways to do that, and it is good to know alternatives that can fit different profiles.]]> 2019-11-23 01:53:58 UTC https://padlet.com/Fernando_CortesNila/yurkfy29rn1o/wish/415583547 Video #2: What is a mutual fund? Fernando_CortesNila https://padlet.com/Fernando_CortesNila/yurkfy29rn1o/wish/415584770 The video explained the concept of mutual funds (what they are and how they work), The video also explains why investment in mutual funds is a good a idea and the importance of diversification, by making a distinction between the different types of mutual funds, and introducing the term financial advisor. 

Getting information from financial institutions is probably the best way to start. It is true that these institutions can be expensive: to learn from, however, as a first step it is worth it. The advisor can guide and provide you the first glance at investment and from there it is easy to take over.]]> 2019-11-23 02:03:55 UTC https://padlet.com/Fernando_CortesNila/yurkfy29rn1o/wish/415584770 Video #1: Bond basics Fernando_CortesNila https://padlet.com/Fernando_CortesNila/yurkfy29rn1o/wish/415585156 This is a three minute length video from RBC. It explains the basics of bonds by providing a clear definition, operation rules and the terminology related to the subject. The video also provides an example and shows how the investor benefits from it. 

I picked this video because it uses simple language to describe bonds. It contains images that best describe the subject and an example of how bonds work with a real life case study, which makes it easier to digest. In my personal case I prefer to look at the building blocks, understand them, and from there get into more complex possibilities.]]> 2019-11-23 02:06:57 UTC https://padlet.com/Fernando_CortesNila/yurkfy29rn1o/wish/415585156 Images #1: Canada Stock Fernando_CortesNila https://padlet.com/Fernando_CortesNila/yurkfy29rn1o/wish/415586578 The stock market used to be a place for the wealthy and the experts. Technology today is enabling almost everybody to access the market. Nowadays, from the comfort of your house and with a few clicks, you can set up a portfolio to start investing right away. 

The image illustrates how technologies changes things, by making things accessible and simplifying processes.


https://www.timothysykes.com/blog/canadian-stock-market/
]]> 2019-11-23 02:16:51 UTC https://padlet.com/Fernando_CortesNila/yurkfy29rn1o/wish/415586578 Video #3: How to invest in 3 minutes Fernando_CortesNila https://padlet.com/Fernando_CortesNila/yurkfy29rn1o/wish/415587389 The stock basics: When companies need funding to finance growth, they have two options. The first will be obtaining a line of credit and the second alternative is to enter the stock market (go public). To access the stock market, companies create shares with a specific price. Investors buy shares to sell for a profit or to obtain dividends. The stock market is the riskiest of all investment products and also the one with higher returns. 

The video explains stock basic concepts with simple words, uses images, and analogies. The simplification of the information eases the learning process. For all these reasons I chose this video.]]> 2019-11-23 02:22:25 UTC https://padlet.com/Fernando_CortesNila/yurkfy29rn1o/wish/415587389 Images #2: Toronto stock market Fernando_CortesNila https://padlet.com/Fernando_CortesNila/yurkfy29rn1o/wish/415587627 Investing should be as familiar as your home town. At first, it is necessary to learn the basic building blocks, then get to know your personal situation. All this will help to take better decisions and gain better returns.

The image represents familiarity. The more comfortable as investor you become, the chances for opportunities increase.

https://www.canadianbusiness.com/business-news/bank-of-canada-outlook-drives-down-loonie-and-toronto-stock-market/]]> 2019-11-23 02:23:55 UTC https://padlet.com/Fernando_CortesNila/yurkfy29rn1o/wish/415587627 Website #1: Stock Investing For Canadians "Cheat Sheet" Fernando_CortesNila https://padlet.com/Fernando_CortesNila/yurkfy29rn1o/wish/415588399 This site is summarizes the ten most important points about stock. A list of relevant readings to improve decision making and portfolio diversification. Websites with updated and relevant information about stock performance and potential new investments are provided. Software and other tools that can help you in your journey as an investor are also available. 

Lets face it; we all feel like dummies when we have no idea about a certain topic. But when experts shared their knowledge they usually focus on the most relevant points. tools, and direction to follow. I find it handy to have access to all this information, especially if it saves me time and money. ]]> 2019-11-23 02:29:20 UTC https://padlet.com/Fernando_CortesNila/yurkfy29rn1o/wish/415588399 Website #2: Wealthsimple Fernando_CortesNila https://padlet.com/Fernando_CortesNila/yurkfy29rn1o/wish/415589101 Invest without thinking to much. Learn how to meet your goals with smarter portfolios, and save money! A roboadivsor that simplifies the investment process by creating a diverse portfolio. Users create a profile, a risk assessment, and then the software adjusts the risk levels to properly distribute your investments to meet your goals. 

Roboadvisors are a good place to start investing. It is a lower cost option to learn how to invest, understand your own risk levels and to gain experience. I think that if beginners have a good first experience, it will be easy for them to continue their learning process.]]> 2019-11-23 02:34:08 UTC https://padlet.com/Fernando_CortesNila/yurkfy29rn1o/wish/415589101 Website #3: Investor questionnaire Fernando_CortesNila https://padlet.com/Fernando_CortesNila/yurkfy29rn1o/wish/415589754 A questionnaire based on different scenarios presented to investors. Allocation of assets, goals, duration of investment, income and income projections. At the end a pie chart is presented, with a suggestion of how to diversify your portfolio to meet your goals. These are only suggestions with no other purpose than to illustrate a decision-making process.

This exercise has the goal of presenting different scenarios for investors. The more involved as a beginner you get with terms and rules of operations, the easier it becomes to ask better questions. I personally found this a good second step to test your knowledge and to keep discovering more about investment.]]> 2019-11-23 02:38:07 UTC https://padlet.com/Fernando_CortesNila/yurkfy29rn1o/wish/415589754 Website #4: 35 Of The Best Canadian Stocks To Buy Right Now Fernando_CortesNila https://padlet.com/Fernando_CortesNila/yurkfy29rn1o/wish/415590134 A list of the best 35 stock options in Canada, the companies are selected based on their growth potential, returns, and the performance of the industry. A description of each organization, its previous performance and future projections. Relevant information is also presented such as Prince, Mkt Cap, YTD Gains, FWD P/E, P/B, PEG(Years), Yield, and 1Yr Price Target.

Finding companies to invest in on the stock mark is a full time job; Some experts, shared the knowledge to ease the path for beginners, so they can feel encouraged to continue investing. A list like this one helps to understand how to select stock, and to become familiar with critical data about companies.]]> 2019-11-23 02:40:44 UTC https://padlet.com/Fernando_CortesNila/yurkfy29rn1o/wish/415590134