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General: OSC Investor Advisory Panel
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An in-depth analysis by Dr. P. Reeve.
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Posted by root on Thursday, September 02 @ 00:00:00 EDT (0 reads)
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General: Are Index Funds Worth a Second Look?
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With
all the media hype over exchange-traded funds (ETF's) , the lonely
Index fund provides a acceptable vehicle for index investing. Index
funds are sold mainly by the big banks, and they offer exposure to a
wide variety of stock and bond indexes. The key distinguishing
feature is fees. Because management fees and sales commissions are
relatively low, fund companies and dealer representatives don't
promote them. Index funds have some features that make them
attractive to some investors. The ability to make small dollar
investments and easily reinvest distributions is a plus. Some
investors shudder at opening a brokerage account to buy ETF's - they
find it easier and less intimidating to hold a mutual fund account.
Additionally, some sort of advice, albeit conflicted , comes with
owning an Index mutual fund.
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Posted by root on Tuesday, August 10 @ 00:00:00 EDT (0 reads)
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General: Socially Repsonsible Investing -- Myths and Reality
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Socially responsible investing (SRI), also known as socially-conscious or ethical investing, describes an investment strategy which seeks to achieve both financial return and social good.
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Posted by root on Friday, July 02 @ 00:00:00 EDT (0 reads)
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General: Mutual Fund Investors: Sharp Enough?
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Who are mutual fund investors? The answer is critical to regulatory policy. The mutual fund industry portrays fund investors as diligent, fairly sophisticated, and guided by professional financial advisors. The SEC paints a more cautious portrait of fund investors, though touts improved disclosure by the fund industry as a sufficient antidote. However, an extensive academic literature finds that fund investors are unaware of the basics of their funds, pay insufficient attention to fund costs, and chase past performance despite little evidence that high past fund returns predict future returns. These findings suggest that policymakers should rethink current regulatory policy. Disclosure may not be enough.
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Posted by root on Thursday, July 01 @ 00:00:00 EDT (0 reads)
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General: Opening an Online Brokerage Account? Points to Consider
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On-line
accounts
are growing at a fast pace.Whether
its investment dealer shenanigans, incompetent advisers, high mutual
fund fees,/ trading commissions, the non-bank ABCP fiasco, poor fund
performance , the Earl Jones Ponzi debacle, or advisor fraud, retail
investors are looking at alternatives to the commission-driven
advisor channel.
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Posted by root on Saturday, March 20 @ 00:00:00 EDT (542 reads)
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General: When To Sell A Mutual Fund
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A periodic reassessment of your goals and a review of your fund investments is an integral part of sound investment management. Selling (redeeming) a mutual fund doesn't necessarily mean it's a loser.
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Posted by root on Tuesday, May 22 @ 02:23:18 EDT (0 reads)
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General: Income Trust Funds
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With interest rates at 30 year lows, income investors such as seniors, retirees and others are attracted to income trusts.
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Posted by root on Tuesday, May 22 @ 02:22:21 EDT (0 reads)
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Pablum versions of the strategy have caused many an investor to sub-optimize his returns or incur loss of capital. The investment industry has a natural bias towards Buy (or hold as well in the case of mutual funds) as opposed to sell, so it’s important investors have a thorough understanding of investing strategies designed to support their lifestyle and retirement.
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Posted by root on Tuesday, May 22 @ 02:21:19 EDT (0 reads)
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The Management Expense Ratio (MER) represents the annual total of management fees and certain other expenses charged to a fund, expressed as a percentage of the fund’s net assets. Non-MER expenses include brokerage commissions, taxes on distributions and sales loads. While this Document focuses on the dominant and most visible impact on returns, the MER, other costs can be significant. In some cases, they may be larger than the costs included in the MER. The management fee component of the MER is typically calculated and accrued daily and paid to the manager on a monthly basis. It is paid, year in and year out, for as long as you own the fund.
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Posted by root on Tuesday, May 22 @ 02:19:09 EDT (0 reads)
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General: Segregated Funds - Are they worth considering?
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When you invest in segregated funds, you are actually buying an insurance contract. The
money from each contract is then invested in a segregated fund which is actually a
separate account to hold the units of the underlying mutual fund. The assets of the fund
are kept separate from the general assets of the insurance company. Segregated (“Seg “) funds are investment funds similar to open –end mutual funds but they can only be offered by an insurance company (or in partnership with a insurance company).
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Posted by root on Tuesday, May 22 @ 02:18:09 EDT (0 reads)
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General: Mortgage Funds Worth The Fee?
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Since the fall of equity markets in 2000, investors have moved to less volatile investments like GICs, bonds and other fixed income investments. With bank deposit and GIC rates so low, mortgage mutual funds with slightly better returns arise as a possible alternative. Combine that with the corresponding rise in real estate prices and you’ve got some increased demand for mortgage fund products.
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Posted by root on Tuesday, May 22 @ 02:15:49 EDT (3980 reads)
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General: Life Cycle Funds - Do They Make Sense for You?
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Most people are afraid to get started investing because there’s potentially so much to know. There’s a lot of talk about market risk, but another risk is that of getting sucked down into the whirlpool of financial information and jargon. Lots of people get their first taste through their company's Defined Contribution pension Plan...
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Posted by root on Tuesday, May 22 @ 02:12:22 EDT (1798 reads)
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General: RESP's and mutual funds
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According to several sources, the cost of post secondary education has increased by over 7% per year on average over the last ten years. The cost of a post-secondary education continues to rise. In fact, 18 years from now, the anticipated cost of four years (away from home) at a typical Canadian university may be in excess of $103,800
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Posted by root on Tuesday, May 22 @ 02:02:35 EDT (1 reads)
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