Monday, April 30, 2012

...mutual funds, any bank funds rrsp's [high-low risks], stocks, 2012...!



















MUTUAL FUNDS
Legal  >  Mutual Funds Legal Stuff
Mutual Funds Legal Stuff
http://www.ingdirect.ca/en/legal/mutualfundlegal/index.html

Mutual funds are offered by ING Direct Funds Limited, a wholly-owned subsidiary of ING Bank of Canada and a registered mutual fund dealer in all provinces and territories across Canada. This communication does not constitute an offer or solicitation by anyone in any jurisdiction in which such an offer or solicitation is not authorized or to any person to whom it is unlawful to make such an offer or solicitation.

Commissions, trailing commissions, management fees and expenses all may be associated with mutual fund investments. Please read the prospectus before investing. The indicated rates of return are the historical annual compounded total returns including changes in unit value and reinvestment of all distributions and does not take into account sales, redemption, distribution or optional charges or income taxes payable by any security holder that would have reduced returns. Mutual funds are not guaranteed, their values change frequently and past performance may not be repeated. There can be no assurances that any mutual fund will be able to maintain its net asset value per security at a constant amount or that the full amount of your investment in the fund will be returned to you.

Mutual funds are offered by ING Direct Funds Limited on a "no-load" basis. Management fees and operating expenses are paid by each Fund.

Mutual funds are not insured by the Canada Deposit Insurance Corporation or any other government deposit insurer, and are not guaranteed by ING Bank of Canada, or any other Canadian financial Institution.

ING Direct Funds Limited and ING Bank of Canada are not responsible for the content of any sites linked from or to this website, and will not be held liable for any inaccuracies in the information not maintained by ING Direct Funds Limited or ING Bank of Canada.

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STOCKS
https://www.investorsedge.cibc.com/ie/education-centre/topics/investment-strategies/guidelines-for-investing.html
https://www.onlinebrokerage.cibc.com/Customer/en/IEPage?Page=NewAcctAgreementsAndDisclosuresPage#

Home > Topics > Investment Strategies > Guidelines For Intelligent Investing
Guidelines For Intelligent Investing

What are the guidelines for being a successful investor? It certainly isn't a rule of thumb that you have to start out with a lot of money. As with anything in life, success is being the best you can be, using the resources you have available.

The following guidelines can help you make the business of wealth accumulation a little bit easier.
Have a Plan

If you don't have a plan, how do you know where you are going, and how will you know when you arrive? Your plan will help you set realistic goals, order your long-term priorities and show you what you need to do. Moreover, it will help you maintain perspective and avoid panic when the next inevitable market or economic gyration occurs. Make it as simple or complex as you want, but make a plan.
Get started – Don't procrastinate

After you make your plan, do something with it. Not getting started is the downfall of too many people. No amount of planning will remove all uncertainty.
Let time do its work

Don't be impatient. Remember, your plan is a long-term one. Let time and the power of compound growth be your greatest allies. Don't be afraid of starting small. You will be surprised how fast your capital can build.
Always take taxes into account

Always consider the effects of taxes on your returns. Some investments are more advantageous than others from a tax point of view, and taxes and inflation can make some returns completely illusory.
Understand Risk – Manage it, don't avoid it

Investing is the art of earning a superior return at an acceptable risk level. What is acceptable? That depends on your circumstances. But totally avoiding risk is a losing game. Concentrate on quality and long-term returns. Try to keep short-term fluctuations in perspective. Stocks, for example, may be volatile but, as a group, have always gone on to reach new highs in the long term.

Don't buy a stock or certain class of mutual fund because it doubled last year and everyone else is buying it; do it because it's good value and offers excellent upside potential. Watch out for fads. They usually fizzle fast.
Don't be greedy

"Bears make money, bulls make money, pigs get slaughtered." Don't be angry because you sold your investment when it tripled and watched it double again. Join the millionaires who sold their holdings early, but were content to sell while someone else was eager to buy their shares. Avoid the "sure thing." Don't over-reach for yield. High returns sometimes are a sign of trouble. Know what you're buying.


The information contained herein is considered accurate at the time of posting. CIBC, CIBC World Markets Inc. and CIBC Investor Services Inc. reserve the right to change any of it without prior notice. It is for general information purposes only. Clients are advised to seek advice regarding their particular circumstances from their personal tax advisors.

CIBC Investor's Edge is the discount brokerage division of CIBC Investor Services Inc., member CIPF. CIBC Investor Services Inc. does not provide you with any legal, tax, or accounting advice or advice regarding the suitability or profitability of a security or investment in a CIBC Investor's Edge account. You assume full responsibility for transactions in your CIBC Investor's Edge account and for your investment decisions.

The information on this Web site is general only; it is not intended as specific investment, financial, accounting, legal or tax advice for any individual, and you should not rely on it as such.
  Rates | FAQ | Agreements & Disclosures | Website Terms Of Use | Privacy & Security | Member CIPF
  CIBC Investor's Edge is a division of CIBC Investor Services Inc., a subsidiary of CIBC and Member CIPF.

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Home > Accounts & Services > Investment Accounts
Investment Accounts

With a CIBC Investor's Edge investment account, you can have access to a complete range of investment vehicles designed to make investing easier. And remember there's no annual fee when you maintain a balance of $10,000 in your account. For more details, see our Fees and Commissions schedule.
Cash Account

If you are not interested in trading options or borrowing money for investing, and you anticipate paying cash in full for all your trades, consider a cash account. You'll be able to take advantage of all the services and savings offered by CIBC Investor's Edge while earning competitive interest rates on the cash holdings you maintain in your account.
Margin Account

If you are planning to purchase securities by borrowing money against securities you already hold with CIBC Investor's Edge, consider a margin account. As with any loan, you must meet certain credit requirements to have your margin approved.
Option Account

If you're a more sophisticated investor and you decide that you'd like to invest in exchange-traded options listed in Canada and the U.S., consider an Investor's Edge option account. You can select from equity, index and bond options. An option account lets you implement a wide range of options strategies to match your investment style. Margin account approval is required to open an option account.
See If You Qualify

If you're an active trader, you may be qualified to become a Premium Edge client*.

So what are you waiting for? You can become a Premium Edge client and receive these privileges and more. To apply or for more information, just call 1 800 567-3343 and ask to speak to one of our dedicated Premium Edge Investment Representatives, or send us an e-mail.


The information contained herein is considered accurate at the time of posting. CIBC, CIBC World Markets Inc. and CIBC Investor Services Inc. reserve the right to change any of it without prior notice. It is for general information purposes only. Clients are advised to seek advice regarding their particular circumstances from their personal tax advisors.

CIBC Investor's Edge is the discount brokerage division of CIBC Investor Services Inc., member CIPF. CIBC Investor Services Inc. does not provide you with any legal, tax, or accounting advice or advice regarding the suitability or profitability of a security or investment in a CIBC Investor's Edge account. You assume full responsibility for transactions in your CIBC Investor's Edge account and for your investment decisions.

The information on this Web site is general only; it is not intended as specific investment, financial, accounting, legal or tax advice for any individual, and you should not rely on it as such.
  Rates | FAQ | Agreements & Disclosures | Website Terms Of Use | Privacy & Security | Member CIPF
  CIBC Investor's Edge is a division of CIBC Investor Services Inc., a subsidiary of CIBC and Member CIPF.




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...ING. Direct Mutual funds and most Investments funds are clearly declared as "illegal-legal" way of you surely loosing your money, as: Mutual funds are not insured by the Canada Deposit Insurance Corporation or any other government deposit insurer, and are not guaranteed by ING Bank of Canada, or any other Canadian financial Institution.
...ING. Direct seems to be the sole MUTUAL FUNDS dealer...!
...THEN WHY ARE MUTUAL FUNDS SO FULL OF SO MUCH MONEY FROM "STUPID INVESTORS" ? Because they do not realize the risks [false disclosure], and not all have lost money...!

...CIBC stocks page is actually attracting to buy Stocks, thus it is illegal, even though they declare that they are not attracting you by showing what you allegedly should do...!
...They are offering you to invest using your cellphone...!
...They clearly do not advise that most clients do not make money with STOCKS and you can incur in great losses...!
...CIBC as any BANK, actually needs to make money from the STOCKS on CIBC trades and even you, the "sucker"...! AS THEY HAVE MORE PRIVILEGED INFORMATION THAN YOU DO ...!


FOLKS Stocks are for the white collar thiefs that have way more privileged information than you will ever have...!


Even BANKS were tricked and the World suffered from a global BANK crisis and governments had to print money for them, and bail out...!


POORDOM, AND SOCIAL CLASSES IS AN ANCIENT FORM OF POWER POLITICAL CONTROL, as they are paranoids of their own doom they make...! THE HOAX THAT ALL OF US CANNOT LIVE WITH AS MUCH MONEY NEEDED AND ALL HAVE WORK...! 

WE ARE GOVERNED BY A "INFERIOR LOGIC SPECIES OF HUMANS"...!
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