The private market is used by public and private companies to raise money. Most of the money raised comes from investment funds and institutional investors. However, a relatively small percentage is used to finance venture companies and start-ups, which can be risky investments for the average retail investor. This is especially true when compared to […]
About Terry Greenard
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Entries by Terry Greenard
Over the next few years, you are likely to hear more about what is referred to as the “client relationship model,” or CRM. CRM is a regulatory requirement introduced by the Canadian Securities Administrators to enhance disclosure, which partially came into effect this year. Further phases over the next three years are intended to enhance […]
Years ago, investors could bring cash into a brokerage firm and have it deposited into their investment account. Those days are gone and the movement of funds is all electronic. One of the requirements when opening an investment account is to provide banking information. We ask new clients to provide a void cheque for two primary reasons […]
Investments that can be bought and sold easily are considered to be liquid. Investments that are difficult to buy or sell are considered illiquid. Liquidity is one of many important objectives of investing. We can actually look at liquidity in several different ways, and for purposes of this article I’ve broken it down to four […]
Most people who are employed with one company, and have no other sources of income, do not have to worry about making instalment payments. Employers have an obligation to withhold appropriate income tax from their employees. At the end of the year, the T4 slips report the total income earned along with the total amount […]
At any point in time the stock market can either go up, stay at current levels, or decline. However, over time the stock market has an upward bias. During the last twenty years the TSX/S&P Composite Index has increased annually 8.19 per cent in spite of volatility during this period. When the stock market takes […]
Since the early eighties interest rates have been on a general descent, with a few small variations along the way. For anyone who purchased annuities years ago, or owned longer term bonds, the returns were much higher than today. In July 2012, the Government of Canada 30 year bond rate fell to 2.2 per cent […]
In the last column I talked about model portfolios and how many advisors establish a uniform basket of stocks for their clients. Most advisors have two sets of lists for their model portfolios: one that has the stocks they are considering buying and another that has the stocks they are considering selling. One trading tool […]
A model portfolio is a basket of holdings – cash, fixed income and equities – an advisor combines to achieve an investment objective or risk tolerance level.
A disciplined investment process begins with determining the asset mix that is right for you. By asset mix we refer to the portion you have in one of three broad categories of investments, including cash, fixed income and equities. Fixed income includes guaranteed investment certificates, term deposits, bonds, bond exchange traded funds, debentures, preferred shares, […]