Fixed income investing is an investment strategy designed to provide a fixed stream of current interest income. Fixed income instruments can include T-bills, GICs, bonds and bond ETFs and mutual funds.
Though fixed-return investments don’t offer the same growth prospects as equities, they can act as an offset to the volatility of a stock portfolio. They can help stabilize you portfolio’s value. They serve as reserves you can use to buy more stocks when prices are down. For that matter, when stock prices are down, you can use your reserves for personal spending to avoid having to sell at a low.
In the end, the right equities/fixed return split depends on your financial circumstances and your temperament. If you are older and planning your retirement investing strategy, you may want to hold some fixed-income investments. But with interest rates at current low levels, stick with T-bills, GICs of government bonds that have terms of, say, two or three years or less.
At TSI Network we feel that fixed income investments should only make up a very small part of your portfolio. If you’d like to increase your long term profits we recommend buying stocks using our three-part Successful Investor strategy is the smartest approach for value investors:
An undervalued stock can signal a real bargain – or a dangerous risk. Knowing how to spot quality bargain stocks can be the key to long-term investing gains. Download our FREE report, Bargain Stocks: Your Guide to Finding the Best Undervalued Stocks, today!
A: The Vanguard Conservative ETF Portfolio, $28.01, symbol VCNS on Toronto, holds roughly 40% of its assets in Vanguard stock ETFs and 60% in bond ETFs. This $466.4 million ETF started up on January 25, 2018, and has a low 0.22% MER. The ETF yields 1.9%.
The… Read More
The speed of the March 2020 stock market decline, as well its rapid recovery to previous peaks, will rank high in the record books. For instance, the 34% drop for the S&P 500 took only 24 days while the recovery to its previous peak was… Read More
High fees, often not directly visible to investors, can substantially lower investment returns over time. It is therefore key that investors carefully consider fees before deciding to buy an ETF or mutual fund.
The damaging effect of high fees
The following example demonstrates the outcome of a.. Read More
The month of November saw strong gains for stocks, commodities, and energy. This comes after the conclusion of the U.S. Presidential election and promising announcements from several pharmaceutical companies regarding COVID-19 vaccines.
At the broad market level, the Vanguard Total World Stocks ETF (VT) gained 10% in the… Read More
In Canada, stock market ETFs continue to attract new money—almost $20 billion flowed into these products this year through to the end of October. Most of that money went to funds focused on international markets, excluding Canada and the U.S.
Fixed-income ETFs also attracted strong inflows… Read More
The month of October saw declines in most asset classes, especially during the last trading week. That came after very strong gains for most assets starting in April.
Representing the broad global, U.S. and Canadian markets, the Vanguard Total World Stocks ETF (VT) lost 2.0%… Read More
Diversification is a key way to reduce portfolio risk and volatility, but there are other strategies aimed at cutting portfolio risk and volatility. Those other methods include moving investments into risky assets at regular intervals and buying stocks gradually over time. And then there’s market… Read More
The month of September saw declines in equity markets after significant gains over the previous six months. At the broad market level, the Vanguard Total World Stocks ETF (VT) lost 4.0% month over month, the Vanguard S&P 500 ETF (VOO), 4.5%, and the iShares MSCI Canada Equity ETF (EWC), 5.3%. Emerging markets also struggled,… Read More
The month of July saw strong returns for investors in precious-metals ETFs. The iShares Silver ETF (SLV) gained 27.9%, the VanEck Gold Miners ETF (GDX) was up 13.5%, and the SPDR Gold Shares ETF (GLD) rose 9.8%. Other ETFs that made significant advances were the iShares U.S. Home Construction ETF (ITB) which gained… Read More
What is retirement investing?
Retirement investing is the process of investing money in stocks or other securities, often with the goal of using the funds to pay for living expenses in retirement.
One of the things that investors of all ages fear is that they won’t have… Read More
Learn everything you need to know in 'The Canadian Guide on How to Invest in Stocks Successfully' FREE Special Report from The Successful Investor.
How to Invest In Stocks Guide: Find 10 factors that make your investments safer and stronger.
The Successful Investor Inc. and its affiliate Successful Investor Wealth Management (referred to hereafter as TSI Network) know that you care how information about you is used and shared, and we appreciate your trust that we will do so carefully and sensibly. This notice describes our privacy policy. By visiting websites owned by or associated with TSI Network, you are accepting the practices described in this Privacy Policy.
This privacy policy is applicable to all TSI Network Visitors, Clients, Employees, Suppliers, Web sites, Management, and all other interested parties. Any links to or from our site are not covered by this policy. We encourage you to read the privacy policies of every site that you visit.
The privacy of the site/store visitor is very important to TSI Network, and is respected at all times. The information we receive from customers helps us to personalize and continually improve your online experience at TSI Network.
We do not collect or disclose personal information, except when it is provided to us voluntarily by the site/store visitor with their consent.
We store subscriber and password files containing personal information securely. These files are stored in secure areas that are not accessible to the general public. We are always working to ensure the security of your personal information.
We are continuously in the process of improving our sites and services. If any new features or policies require a change to this current policy, we will post a clear notice of this change on pages of our site where the privacy policy appears. The principle behind this privacy policy is to collect information with your knowledge and consent.
What personal information do we collect?
The information we receive from customers helps us personalize and continually improve your online experience at TSI Network. TSI Network may collect personal information online for all legal purposes, which include, but are not limited to:
Information You Give Us: We receive and store any information you enter on our website or give us in any other way through sign-up forms or ordering forms for publications and services. You can choose not to provide certain information, but then you might not be able to take advantage of many of our services and features. We use the information that you provide for such purposes as responding to your requests, customizing your web browsing experience for you, improving our website, and communicating with you.
Automatic Information: We receive and store certain types of information whenever you interact with us. For example, like many websites, we use "cookies," and we obtain certain types of information when your web browser accesses TSI Network.
Information from Other Sources: For reasons such as improving personalization of our service (for example, providing better product recommendations or special offers that we think will interest you), we might receive information about you from other sources and add it to our account information. We also sometimes receive updated delivery and address information from our shippers or other sources so that we can correct our records and deliver your next purchase or communication more easily.
We do reserve the right, however, to collect and perform statistical analyses of the internet traffic to our website for our internal use. However, information collected does not allow us to identify any individual, and will not collect any personal information of the visitor. Furthermore, we do not sell, rent or loan to any outside parties the information collected and analyzed.
Although you may be able to access some of our websites without being required to register or provide personal information, certain websites and sections of our websites may require registration. In addition, if you choose to contact us to ask a question, we will collect your personal information so that we can respond to your question.
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Does TSI Network Use the Information It Receives?
"Contact Us" and Comment Features: TSI Network encourages visitors to its websites to contact us with questions and comments. Email addresses and other information of persons using these features may be collected in order to facilitate our responses to those inquiries.
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In addition to these limited disclosures of personal information, TSI Network may provide its affiliates or unaffiliated third parties with aggregate information about visitors to our sites. For example, we might disclose the median ages of visitors to our websites, or the numbers of visitors to our websites that come from different geographic areas. Such aggregate information will not include information of any individual visitors to our websites.
TSI Network may provide personal and other information to a purchaser or successor entity in connection with the sale of TSI Network, a subsidiary or line of business associated with TSI Network, or substantially all of the assets of TSI Network or one of its subsidiaries, affiliates or lines of business.
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Except as provided herein, TSI Network will not sell or rent personal information about you to unaffiliated third parties.
We may disclose personal information you have provided through our websites, for the above purposes, to persons or companies that we retain to carry out and other activities for which you have registered or in which you have otherwise asked to participate. In particular, we may for these purposes transfer information to any country (including the USA and other countries which may not offer the same level of data protection as Canada). We also will disclose personal information if required by law, including compliance with warrants, subpoenas or other legal processes.
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Special Note for Parents
TSI Network does not sell products for purchase by children. If you are under 18, you may use TSI Network's site only with involvement of a parent or guardian
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TSI Network does everything possible to prevent unauthorized intrusion to its websites and the alteration, acquisition or misuse of personal information by unauthorized persons. Notably passwords submitted by users of our websites are encrypted using encryption mechanisms. However, TSI Network cautions visitors to its websites that no network, including the Internet, is entirely secure. Accordingly, we cannot be responsible for loss, corruption or unauthorized acquisition of personal information provided to our websites, or for any damages resulting from such loss, corruption or unauthorized acquisition.
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TSI Network has procedures in place to keep your personal information accurate, complete and current for the purposes for which it is collected and used. You may review the information that you have provided to us and where appropriate you may request that it be corrected. If you wish to review your personal information please send a request to: service@tsinetwork.ca.
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How can you ask questions about our Privacy Policy and access your personal information?
The provision of information by you is entirely voluntary and you have the right not to provide information. Subject to applicable law, you may have the right to receive certain information as to whether or not personal information relating to you is held by TSI Network and to obtain a copy of such information that is sought. You may also have the right to require information, where appropriate, to be erased, blocked or made anonymous or to have data updated or corrected. If you do not wish TSI Network to hold information about you or if you wish to have access to information, modify information, or object to any processing of information or if you have questions please contact us.
What Choices Do I Have?
Changes to this Policy
This Policy is the sole authorized statement of TSI Network's practices with respect to the collection of personal information through TSI Network's websites and the subsequent use and disclosure of such information. Any summaries of this Policy generated by third party software or otherwise (for example, in connection with the "Platform for Privacy Preferences" or "P3P") shall have no legal effect, are in no way binding upon TSI Network, shall not be relied upon in substitute for this Policy, and neither supersede nor modify this Policy.
TSI Network may revise this Policy from time to time.
Legal Notices and Disclaimers
The contents of this web site and our publications are based upon sources of information believed to be reliable, but no warranty or representation, expressed or implied, is given as to their accuracy or completeness. Any opinion reflects the Successful Investor’s judgment at the date of publication and neither the Successful Investor, nor any of its affiliated companies, nor any of their officers, directors or employees, accepts any responsibility in respect of the information or recommendations contained in the publications or on this web site. Moreover, the information or recommendations are subject to change without notice.
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