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Jan 30, 2023
The recent developments in our local financial sector have once again resurfaced the issue of risk and safety of our investments. As investors, we frequently neglect to ask the important questions that are needed to assess the safety of our banks, pension savings, investment houses or insurance companies.
Assessing the Safety of your bank/investment house
For the purpose of a financial institution, safety can be assessed by looking at the size of a company’s capital base relative to the size of its assets. This is an indication of the institution’s degree of leverage. “This is simply the amount of money the institution has saved...
Last week my colleague Dwayne highlighted the importance of reviewing your portfolio. As he mentioned, a “set it and forget it” approach does not truly allow an investor to maximize their portfolio returns. Ignoring your portfolio and not rebalancing is akin to never servicing your car...
Nov 28, 2022
Gone are the days when an investor could take a “Set it and forget it” approach. Or perhaps those days never really existed, but investors were comfortable with their returns and saw no need for a periodic review of their investments or rebalancing of their portfolios. One would simply...
Nov 21, 2022
Many bonds are issued today with a call feature which means they can be redeemed or repaid by the issuer prior to their scheduled maturity date. However, the early redemption of a bond is not automatic and highly depends upon the unfolding of events at the issuer level, specifically, and...
Nov 14, 2022
When thinking about our financial future, we usually think about planning for ourselves- our retirement, our children’s college education, but have you planned for your parents? If they have not properly planned for their future, when they retire or get sick you could find yourself taking...
Nov 07, 2022
Daily I get calls from prospective clients looking for more information on global or international bonds that are recommended or suggested to them. Whether the yields are high or seem low, we patiently explain the details on the bonds and how the process works. If the client is a savvy...
Oct 31, 2022
Our discussions on bonds continue; after learning the bond basics, today we examine how bonds behave in an environment of high-interest rates, a relevant topic given the current interest rate environment. Before moving on to how bonds behave in a high-interest rate environment, we should...
Oct 24, 2022
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