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How to become a better do-it-yourself investor Add to ...

"To finish off where to put cash. Here are some examples with minimums" Are AIS100, IBN100, ATL5000 mutual funds? If so can they be bought from any brokerages?

[Comment From Gail]

The high interest accounts available vary by brokers. e.g. RBC has their own account and CIBC has the Renaissance account, so they will push these to clients. You should call your broker and ask what is available.

[Comment From MIchael ]

what type of initial portfolio would you suggest to enter a market first time. I can afford some risk, but want a general idea of a balanced portfolio. [Comment From Gail]

Look at the canned mutual fund or ETF portfolios your broker offers - they usually have several based on the risk you want to take. The ETF firms also have sample portfolios and even some all-in-one fund of funds ETFs

[Comment From Monica Dhar ]

Darcy: I just read the streetwise blog, I don't find any ticker or further information

Darcy Keith - Hi Monica, I just asked the writer of that post, Tim Kiladze. He says they are finalzing the last stage of the IPO and after that investors will be able to buy it on the open market. So, stay tuned - it will be coming soon

[Comment From Trudy ]

What do you think about dividend stocks for investing. I've been hearing a lot about them. And how would you go about learning more about them?

[Comment From Gail]

I am a big believer in dividend stocks. Only companies that are established and make profits usually pay dividends. You need to learn how to pick stocks since dividends are just one aspect of a smart stock purchase. You could start by buying dividend ETFs or dividend mutual funds.

[Comment From vicky ]

would online investing be for more of long term or short term strategy

[Comment From Gail]

You can do either. You decide on your investment plan and then execute it at your online broker.

[Comment From Iain ]

As a reasonably well educated stock investor but inexperienced in the Bond market, are bond ETFs generally a good solution?

[Comment From Gail]

I have personally concluded that buying bonds directly at an online broker is not worth the trouble. Also, you rarely get a good deal as an individual investor. So, I use bond ETFs. Just remember, they do not for the most part have a maturity date, so the price varies with interest rates.

Darcy Keith - Thanks Gail. We're almost out of time I'm afraid. My apologies to Bob, Neil and all those who had questions we didn't have time to answer. Here's one final question from Donna:

[Comment From Donna ]

My portfolio is light on bonds and heavily-weighted on equities. In today's market conditions, would it be prudent to increase Cdn bond holdings?

[Comment From Gail]

You need an investment plan. In rock bottom interest rate environments, bond prices will likely go down in the future when rates rise, so you would want to have bonds with maturity dates or ETFs with short bond matuirty dates.

Darcy Keith - Thanks Gail. Any final thoughts you'd like to leave with our audience today?

[Comment From Gail]

Learn the investing basics before you buy your first investment. Think for yourself. Don't spend too much time watching the stock market go up and down.

Darcy Keith - Thanks Gail and thanks everybody for joining us today. It's another rocky day in the markets, so make sure to keep checking back with the latest developments here at Globe Investor. Good bye!


Gail can be reached at gbebee@gailbebee.com. Her website is www.gailbebee.com

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