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Where To Invest

How To View Your Employer’s Stocks

There are many who work for a publicly traded companies and as such benefit from a number of stock related perks. The most common would be the Employee Stock Purchase Plan (ESPP) followed by Restricted Stock Units (RSU) and the now less popular Stock Options. All of the three company benefits offer employees a way to own stocks in the company with a number of benefits. Before going over the ways to look at those benefits, let’s review them. ESPP – Employee Stock Purchase Plan This program allows the employee to put money aside for the company to purchase shares at a discount. The percentage allowed will vary but can be in the area of 10% of your salary. The purchases can be annually, semi-annually or quarterly. On average, an employee will receive a taxable benefit on the purchase ...
Investment Return

How Diversified Are You?

My strategy has evolved since 2009 when I switched away from high fee mutual funds to dividend investing. In my transition, I was initially focused on higher yield investments but through research and learnings, I started focusing on the dividend growth¬†along with the company’s growth. That’s why the 10/10 strategy is very important in my dividend stock selection. Diversification Approach While there can be many diversification approach, I look at it as two phases:Accumulation Phase Income PhaseAccumulation Phase Diversification In the accumulation phase, I look for growth. I know I could generate more income from my portfolio if I wanted to, but the overall growth is more important. For example, a stock like Canadian National Railway (NYSE:CNI, TSX:CNR) can provide good growth ...
bank stock

Best Bank to Buy Now

While many of the banks offer similar products from the perspective of the consumers, their non banking line of products and international exposure is what differentiate each bank. Most people are familiar with the fee for a chequing account or the mortgage interest rates but that’s only one segment in the banking business. In general, I am happy to own any of the banks outlined below in terms of businesses but in practice, they each have their own entry point to maximize the performance of the stocks and your return. When the time comes to buy a bank stock, I need to evaluate the best buy at that time. Bank Stock Opportunities The list of bank stocks below represents many of the biggest companies in Canada with a large exposure internationally. The companies are listed in order of market ...
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