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Definitions

Explainer Make the succession process simpler by following these steps to make a Will. Explainer Why you should focus on residual maturity of fixed income investments.

Thinking ahead

More Explainers. Do you think the stock has bottomed out? Yes No. Thank you for voting! Post your comments Post. News - debt funds ,Mutual Funds ,side-pocket ,credit risk funds How side-pocketing helps fund houses segregate bad bonds The good portfolio need not come under redemption pressure and the fund manager can focus on investment management.

Smart Investments on a Small Budget

News - ETFs ,index funds ,passive investing ,Mutual Funds ,active investing Even in India, it is hard for active fund managers to outperform the market: Morningstar If you're having or if you're trying to have a large-cap exposure, passive investing, especially if it is at the right price, can make sense for a lot of investors.

Kotak Nifty ETF. This calculator allows you to choose the frequency that your CD's interest income is adived to your account.


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The more frequently this occurs, the sooner your accumulated interest income will generate adivitional interest. You may wish to check with your financial institution to find out how often interest is being compounded on your particular CD.


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  • Short term investment options for high returns;

This is the effective annual interest rate earned for this CD. Since APY measures your actual interest earned per year, you can use it to compare CD's of different interest rates and compounding frequencies. The more frequent the compounding, the more your money will grow over time. Generally, CDs compound on a daily or monthly basis.

Top 10 investment options

The answer varies by account, but most CDs credit interest monthly. Some may allow you to have the interest transferred to a different account, such as a savings account or a money market account. How often CDs credit interest is one factor. The other factor is how often the CD compounds. A mutual fund is an investment product — made up of several investors' contributions — where a professional fund manager invests in a variety of securities.

This pool of wealth might be invested in a specific market or geographic sector, in blue-chip companies or in small company stocks. There are also "green" funds that only invest in environmentally friendly companies.

Investment Options

The manager monitors the investments on an on-going basis. Because mutual funds are overseen by a manager, investing in them frees up individual investors from having to continually research and manage their own investments. Mutual funds are also appealing because they:. But there are other fees, too. It's important to inquire about fees that include:. Some people put their money to work in other areas of investments. One of the most common is real estate.

With this type of investing, owners may be able to earn rental income and — assuming real-estate prices continue to rise — see their capital investment appreciate over time. Capital gains If you're venturing into real-estate investing, you need to brush up on the concept of capital gains. Capital gains are profits realized from the sale of a capital asset such as a share, bond or real estate if the real estate is not your principal residence.

These profits are tax-deferred, which means you don't have to pay the tax on them until the asset is sold.

In , the Government of Canada reduced the capital-gains inclusion rate from three-quarters to one-half. The inclusion rate is the portion of a capital gain that is subject to income tax. As a result, Canada's typical top tax rate on capital gains is now about two percentage points lower than in the United States.


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  4. If you buy property for the sole purpose of renting it out rental property , you will be required to pay capital gains tax if there is a capital gain on the property. If however, you are selling your principal residence, and make a profit on the sale, you will not be subject to capital gains tax.