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Alternatives in fixed income investing
The COVID-19 pandemic has sent shockwaves throughout the economy. Stock and bond markets have been spiraling as both corporate profits and interest rates have fallen in response to this unprecedented historic event. It appears that uncertainty will remain in the market until such time that the global economy reaches a new normal. Fixed income investments,…
Read moreAssessing Risk and Return of Investments
Investors make decisions by assessing an investment’s return versus its potential risks. A higher yield is expected of a riskier investment, and conversely, lower returns are associated with low-risk ventures. For example, a downtown premium office in Vancouver returns between 3.75% to 4.0%, while a suburban office in Calgary is priced to provide a return…
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Everything Canadians Should Know About Mortgage Investment Corporation Risks
Mortgage investments becoming a more mainstream investment option for individual and institutional investors alike. Making money on debt never gets old but keeps evolving into many intricate vessels. Investing into a MIC can bring potential high-income opportunities. However, MICs have their risks too. Advantages of Mortgage Investment Corporations A MIC manages a diversified pool of…
Read moreMIC 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…
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