MIC Investing As A Way To Diversify Investment Risk
The real estate market has only begun to recover from a combination of challenges like the expanded B20 stress test that tightened the reins on borrowing, a shortage of affordable housing, and increases in construction costs. The sector has held up against these stressors, with prime markets like Toronto and Vancouver maintaining their status as…
Read moreThe Pitfalls of Overdiversification
Investment professionals typically agree that to help achieve long-term investment goals, diversification is a prudent strategy to adopt. Properly diversifying your investment portfolio provides more consistent overall portfolio performance. However, some investors and their financial advisors tend to overdiversify. The main issue with over diversifying is that having too many individual investment positions can lead…
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How MICs Compare to REITs
When it comes to real estate investing, most investors first seek to take the property ladder by becoming landlords and then encountering all the hassles of legalities, tenants and maintenance, to name a few. This, however, is not the only route to getting started. Real estate investment funds including Mortgage Investment Corporations (MIC) and Real…
Read moreDebt Management for Healthy Borrowing
Canada has a pretty interesting debt market. Despite having one of the highest household debt-to-income ratios in the world, delinquency rates remain low, and consumer confidence continues to prevail. According to Trading Economics, the household debt-to-income ratio hit an all-time high of 176.28% in the last quarter of 2018, putting Canada in third place after…
Read more6 Truly Passive Investments for Sophisticated Investors in Canada
Wouldn’t it be nice to wake up late and have breakfast in a posh resort, sipping coffee and enjoying the cool sea breeze gently blowing against the newspaper you’re reading? And all the while, your passive income is streaming into your account? If you are planning to park your money productively, learning how to invest…
Read moreThe Roles of Private Credit in an Investment Portfolio
The years following the financial crisis of 2008 have seen the rise of the private credit asset class. As a way to mitigate the ripple effects of the U.S. market crash, Canada enforced fiscal policies meant to stimulate the economy and restore its stability. On October 8, 2008, the Bank of Canada reduced its target…
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The Anatomy of a Great Real Estate Investment Fund
There are multiple drivers behind the performance and security of a fund. While collecting rent continues to be the primary source of revenue for REITs, they grow internally through occupancy, rent increases, tenant upgrades, and redevelopment of existing properties. REITs also have the benefit of capital growth through the underlying real-estates appreciating in value over…
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