Investment Products

Should you buy high-yield bonds?

Posted by on October 4, 2010 in Investment Products

The longer the I write this blog, the more I think personal finance is like school. When I first entered into university, if you saw a line, you typically got into it. Why? Because everyone else was in the line too! The latest line that investors seem to be getting into is high-yield bonds. Rob [...]

Can a product deliver both safety and high yields?

Posted by on August 3, 2010 in Investment Products

The holy grail of investment products for many investors would be something that delivers both protection of principal and delivers high yields/returns (I would define high yield as over 5-6%. The demand for these types of products always exist but tend to increase greatly during time of market uncertainty. The issue is that, while some [...]

The case against dual class shares (again)

Posted by on June 30, 2010 in Investment Products

Dual class shares refers to a company that has two different classes of shares: one sold to the public and another class which is tightly controlled by the founding families or insiders. Dual class shares are generally panned by the blogsphere since dual class shares tend to perform worse than their peers, controlling shareholders tend [...]

Has Apple peaked?

Posted by on June 23, 2010 in Investment Products

It would be difficult to name a company that seen as great of success from such depths as Apple.¬† Apple has sold 3¬† million iPad’s in its first 80 days of the products release; meaning a unit was purchased almost every second. The stock has risen 30% this year and now trades at or near [...]

Are we all bound to be DIY investors?

Posted by on May 27, 2010 in Investment Products

It is easy to find victims of bad or unscrupulous investment advisors and write articles about how the industry is stacked against the individual investor. While the financial industry has its fair share of bad apples (and which industry does not?), what is often not reported on is the business of being an investment advisor [...]

Thinking of buying gold?

Posted by on May 25, 2010 in Investment Products

Why do people buy stocks? Fundamentally, it is because they believe in the underlying future value of the business being run. Why do people buy gold? This is a much more difficult question to answer since gold is not a business but a commodity and a small portion of its price can be attributed to [...]

The growing similarities between ETFs and mutual funds

Posted by on May 12, 2010 in Investment Products

Hozizon Alpha Pro is offering a product called the S&P/TSX 60 130/30 Strategy Index which is basically an exchange traded fund (ETF) which tracks the TSX 60 but with an overweight in 10 stocks and an underweight in 10 stocks (trades under the symbol TSX: HAH). In other words, this is an ETF tracking broad [...]

The problem with publicly traded issuers of mutual funds

Posted by on January 6, 2010 in Investment Products

There is a saying among the DIY community to buy the issuer and not the product. In other words, you are better off profiting from the investment follies of others than to become a fool yourself. It has also been a long standing opinion that the financial industry is rifle with conflicts of interest. What [...]

The problem with specialized ETFs

Posted by on November 10, 2009 in Investment Products

The recent marketing wars between the mutual fund industry and supporters of exchange traded funds adopts a rather dogmatic characterization of the two products akin to the Star Wars movies. The mutual fund Empire, inherently evil and a scourge to all low-fee loving citizens of the galaxy, is a lumbering giant weakened greatly by some [...]

Tips on picking the right small business banking account

Posted by on October 5, 2009 in entrepreneur, Investment Products

Picking a small business banking account can be like eating at a buffet. There is something for everyone but it is hard to tell which offerings are the best for you given that they are so diverse. The issue is compounded by the fact that small business banking is not like personal banking. A small [...]