Canadian Business
Tue, 06 Mar 2012 13:59:47 GMT | By Canadian Business
What investment style is right for you?

Bonds



Guaranteed payouts, small risk and little growth in bonds. (© Michele Westmorland/Stone/Getty)
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  • mutual funds, retirement, investment goals (© Getty)
  • gold can balance dips in the equities market (© Mahesh Kumar A./The Associated Press)
  • Guaranteed payouts, small risk and little growth in bonds. (© Michele Westmorland/Stone/Getty)
  • Gas, forestry, mining can be valuable investments. (© Bartek Sadowski/Bloomberg/Getty)
  • Consider tech funds as high risk. (© Warren Diggles Photography/Getty)
  • Expand beyond your country borders with global equity funds. (© Vincent Yu/The Associated Press)
  • Expand your portfolio into the United States, which operates on a much larger scale than Canada. (© Spencer Platt/Getty)
  • Balanced funds have government and corporate bonds and cash.
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Fund: bond, dividend and income
Goal: safety, income, growth

If you want your investments to grow but don't like risk - or if you're nearing retirement - these funds may be right for you. They invest in the bond market and stable dividend-paying companies like banks, insurance companies and utilities. While there would be small risk in these funds and little room for growth, your fund would guarantee regular payouts.

* Bing: Bonds vs. dividends

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What investment style is right for you?Canadian BusinessCanadian Business2012-03-06T18:59:47true32687608Winning the options lottery(©iStock)Six CEOs who won the options lotteryGallery32141098Canada's top economies(©iStock)Canada's hottest cities for business Gallery32046485Leading innovatorsTop leading-edge brands in Canada GalleryMutual funds for every portfolio.Everyone wants their retirement savings to prosper and be safe, but mutual funds and the accompanying jargon of RSPs, ETFs and RRIFs can leave people puzzled and frustrated about what kinds of funds are right for them. Depending on whether your investment goal is to keep your money in low-risk investments, to keep it growing, to receive income or to balance out other investments, your style will be different. Check out these mutual funds and see if they fit your profile.* Video: Top RRSP strategiestopThis field has been disabled for Gallery V2mutual funds, retirement, investment goals(©Getty)mutual funds, retirement, investment goals(©Getty)mutual funds, retirement, investment goals(©Getty)mutual funds, retirement, investment goals(©Getty)mutual funds, retirement, investment goals(©Getty)mutual funds, retirement, investment goals(©Getty)mutual funds, retirement, investment goals(©Getty)mutual funds, retirement, investment goals(©Getty)mutual funds, retirement, investment goals(©Getty)mutual funds, retirement, investment goals(©Getty)mutual funds, retirement, investment goals(©Getty)mutual funds, retirement, investment goals(©Getty)mutual funds, retirement, investment goals(©Getty)mutual funds, retirement, investment goals(©Getty)mutual funds, retirement, investment goals(©Getty)mutual funds, retirement, investment goals(©Getty)mutual funds, retirement, investment goals(©Getty)mutual funds, retirement, investment goals(©Getty)mutual funds, retirement, investment goals(©Getty)mutual funds, retirement, investment goals(©Getty)mutual funds, retirement, investment goals(©Getty)mutual funds, retirement, investment goals(©Getty)mutual funds, retirement, investment goals(©Getty)mutual funds, retirement, investment goals(©Getty)mutual funds, retirement, investment goals(©Getty)mutual funds, retirement, investment goals(©Getty)mutual funds, retirement, investment goals(©Getty)mutual funds, retirement, investment goals(©Getty)mutual funds, retirement, investment goals(©Getty)mutual funds, retirement, investment goals(©Getty)mutual funds, retirement, investment goals(©Getty)mutual funds, retirement, investment goals(©Getty)mutual funds, retirement, investment goals(©Getty)mutual funds, retirement, investment goals(©Getty)mutual funds, retirement, investment goals(©Getty)mutual funds, retirement, investment goals(©Getty)mutual funds, retirement, investment goals(©Getty)mutual funds, retirement, investment goals(©Getty)mutual funds, retirement, investment goals(©Getty)mutual funds, retirement, investment goals(©Getty)mutual funds, retirement, investment goals(©Getty)mutual funds, retirement, investment goals(©Getty)mutual funds, retirement, investment goals(©Getty)mutual funds, retirement, investment goals(©Getty)mutual funds, retirement, investment goals(©Getty)mutual funds, retirement, investment goals(©Getty)mutual funds, retirement, investment goals(©Getty)mutual funds, retirement, investment goals(©Getty)mutual funds, retirement, investment goals(©Getty)mutual funds, retirement, investment goals(©Getty)mutual funds, retirement, investment goals(©Getty)GoldFund: gold and precious metalsGoal: balanceTraditionally, a gold component to your investment portfolio would be used to balance out the extreme dips in the equities market and especially changes in the value of the U.S. dollar. Today, the price of gold is historically high, as people seek a safe haven from the global economic debt problems. If you are a pessimist, gold could be a stable place to stash a small portion of your investment.* Video: Danger ahead? Markets hooked on easy moneyInteractive: Our investment picksNine reasons why Facebook is a risky investmentCompanies that could fail in 2012Investing in sin stockstopThis field has been disabled for Gallery V2gold can balance dips in the equities market(©Mahesh Kumar A./The Associated Press)gold can balance dips in the equities market(©Mahesh Kumar A./The Associated Press)gold can balance dips in the equities market(©Mahesh Kumar A./The Associated Press)gold can balance dips in the equities market(©Mahesh Kumar A./The Associated Press)gold can balance dips in the equities market(©Mahesh Kumar A./The Associated Press)gold can balance dips in the equities market(©Mahesh Kumar A./The Associated Press)gold can balance dips in the equities market(©Mahesh Kumar A./The Associated Press)gold can balance dips in the equities market(©Mahesh Kumar A./The Associated Press)gold can balance dips in the equities market(©Mahesh Kumar A./The Associated Press)gold can balance dips in the equities market(©Mahesh Kumar A./The Associated Press)gold can balance dips in the equities market(©Mahesh Kumar A./The Associated Press)BondsFund: bond, dividend and incomeGoal: safety, income, growthIf you want your investments to grow but don't like risk - or if you're nearing retirement - these funds may be right for you. They invest in the bond market and stable dividend-paying companies like banks, insurance companies and utilities. While there would be small risk in these funds and little room for growth, your fund would guarantee regular payouts.* Bing: Bonds vs. dividendsInteractive: Our investment picksNine reasons why Facebook is a risky investmentCompanies that could fail in 2012Investing in sin stockstopThis field has been disabled for Gallery V2Guaranteed payouts, small risk and little growth in bonds.(©Michele Westmorland/Stone/Getty)Guaranteed payouts, small risk and little growth in bonds.(©Michele Westmorland/Stone/Getty)Guaranteed payouts, small risk and little growth in bonds.(©Michele Westmorland/Stone/Getty)Guaranteed payouts, small risk and little growth in bonds.(©Michele Westmorland/Stone/Getty)Guaranteed payouts, small risk and little growth in bonds.(©Michele Westmorland/Stone/Getty)Guaranteed payouts, small risk and little growth in bonds.(©Michele Westmorland/Stone/Getty)Guaranteed payouts, small risk and little growth in bonds.(©Michele Westmorland/Stone/Getty)Guaranteed payouts, small risk and little growth in bonds.(©Michele Westmorland/Stone/Getty)Guaranteed payouts, small risk and little growth in bonds.(©Michele Westmorland/Stone/Getty)Guaranteed payouts, small risk and little growth in bonds.(©Michele Westmorland/Stone/Getty)Guaranteed payouts, small risk and little growth in bonds.(©Michele Westmorland/Stone/Getty)ResourcesFund: resources Goal: growthCanada is blessed with a huge natural resources sector, with industries ranging from oil and gas, to pulp and paper, to forestry and mining. The fate of these resource companies rests with the price of the underlying commodity as well as the company's ability to increase the business. Therefore, these funds are riskier investments, as everyone well knows how the price of oil can rise and decline according to world events. On the other hand, when global demand increases, these companies become extremely valuable.* Video: Are do-it-yourself portfolios for you?Interactive: Our investment picksNine reasons why Facebook is a risky investmentCompanies that could fail in 2012Investing in sin stockstopThis field has been disabled for Gallery V2Gas, forestry, mining can be valuable investments.(©Bartek Sadowski/Bloomberg/Getty)Gas, forestry, mining can be valuable investments.(©Bartek Sadowski/Bloomberg/Getty)Gas, forestry, mining can be valuable investments.(©Bartek Sadowski/Bloomberg/Getty)Gas, forestry, mining can be valuable investments.(©Bartek Sadowski/Bloomberg/Getty)Gas, forestry, mining can be valuable investments.(©Bartek Sadowski/Bloomberg/Getty)Gas, forestry, mining can be valuable investments.(©Bartek Sadowski/Bloomberg/Getty)Gas, forestry, mining can be valuable investments.(©Bartek Sadowski/Bloomberg/Getty)Gas, forestry, mining can be valuable investments.(©Bartek Sadowski/Bloomberg/Getty)Gas, forestry, mining can be valuable investments.(©Bartek Sadowski/Bloomberg/Getty)Gas, forestry, mining can be valuable investments.(©Bartek Sadowski/Bloomberg/Getty)Gas, forestry, mining can be valuable investments.(©Bartek Sadowski/Bloomberg/Getty)TechFund: technologyGoal: growthThese funds are ideal for people who want to take advantage of the growth of science and technology industries. With the performance of companies like Apple, Google and IBM, there has been extremes of growth but, as anyone who witnessed the tech meltdown of 2000 can tell you, these funds are prone to extreme declines when economic times turn bad. Tech funds should be considered a high risk portion of your portfolio.* Bing: Is Google watching you? The privacy debateInteractive: Our investment picksNine reasons why Facebook is a risky investmentCompanies that could fail in 2012Investing in sin stockstopThis field has been disabled for Gallery V2Consider tech funds as high risk.(©Warren Diggles Photography/Getty)Consider tech funds as high risk.(©Warren Diggles Photography/Getty)Consider tech funds as high risk.(©Warren Diggles Photography/Getty)Consider tech funds as high risk.(©Warren Diggles Photography/Getty)Consider tech funds as high risk.(©Warren Diggles Photography/Getty)Consider tech funds as high risk.(©Warren Diggles Photography/Getty)Consider tech funds as high risk.(©Warren Diggles Photography/Getty)Consider tech funds as high risk.(©Warren Diggles Photography/Getty)Consider tech funds as high risk.(©Warren Diggles Photography/Getty)Consider tech funds as high risk.(©Warren Diggles Photography/Getty)Consider tech funds as high risk.(©Warren Diggles Photography/Getty)EquityFund: global equityGoal: growth, balanceOne of the keys to successful investing is diversifying your portfolio beyond your own country. You can take advantage of faster-growing economies and emerging markets like Hong Kong, Brazil and countries coming out of the recession, like the U.K. or the U.S. These funds contain the same risk factors as other equity funds, so they should make up a portion of your overall portfolio.* Video: Rating mutual fundsInteractive: Our investment picksNine reasons why Facebook is a risky investmentCompanies that could fail in 2012Investing in sin stockstopThis field has been disabled for Gallery V2Expand beyond your country borders with global equity funds.(©Vincent Yu/The Associated Press)Expand beyond your country borders with global equity funds.(©Vincent Yu/The Associated Press)Expand beyond your country borders with global equity funds.(©Vincent Yu/The Associated Press)Expand beyond your country borders with global equity funds.(©Vincent Yu/The Associated Press)Expand beyond your country borders with global equity funds.(©Vincent Yu/The Associated Press)Expand beyond your country borders with global equity funds.(©Vincent Yu/The Associated Press)Expand beyond your country borders with global equity funds.(©Vincent Yu/The Associated Press)Expand beyond your country borders with global equity funds.(©Vincent Yu/The Associated Press)Expand beyond your country borders with global equity funds.(©Vincent Yu/The Associated Press)Expand beyond your country borders with global equity funds.(©Vincent Yu/The Associated Press)Expand beyond your country borders with global equity funds.(©Vincent Yu/The Associated Press)EquityFund: U.S. equityGoal: growth, balanceWhile Canada has an abundance of resource companies, America's corporate world is on a much larger scale and includes companies from a myriad of industries. Funds may invest in the very largest corporations in the world like Apple or Wal-Mart, or seek to find smaller companies with higher growth potential. While the U.S. economy may be beaten down right now, few believe it won't rebound strongly in the future. These funds are an ideal way to balance out your Canadian equity holdings.* Video: Kentucky couple married in WalmartInteractive: Our investment picksNine reasons why Facebook is a risky investmentCompanies that could fail in 2012Investing in sin stockstopThis field has been disabled for Gallery V2Expand your portfolio into the United States, which operates on a much larger scale than Canada.(©Spencer Platt/Getty)Expand your portfolio into the United States, which operates on a much larger scale than Canada.(©Spencer Platt/Getty)Expand your portfolio into the United States, which operates on a much larger scale than Canada.(©Spencer Platt/Getty)Expand your portfolio into the United States, which operates on a much larger scale than Canada.(©Spencer Platt/Getty)Expand your portfolio into the United States, which operates on a much larger scale than Canada.(©Spencer Platt/Getty)Expand your portfolio into the United States, which operates on a much larger scale than Canada.(©Spencer Platt/Getty)Expand your portfolio into the United States, which operates on a much larger scale than Canada.(©Spencer Platt/Getty)Expand your portfolio into the United States, which operates on a much larger scale than Canada.(©Spencer Platt/Getty)Expand your portfolio into the United States, which operates on a much larger scale than Canada.(©Spencer Platt/Getty)Expand your portfolio into the United States, which operates on a much larger scale than Canada.(©Spencer Platt/Getty)Expand your portfolio into the United States, which operates on a much larger scale than Canada.(©Spencer Platt/Getty)Blanced fundsFund: balanced Goal: growth, balance, income, safetyIf you want to have the elements of balance, growth and income all in one fund, a balanced fund may be right for you. As the name implies, a balanced fund typically has a portion of its investments in stocks and a portion in government bonds, another portion in corporate bonds and some part of the investment sitting in cash. This way, you can take advantage of growth opportunities in the stock market while enjoying safety and income from bonds.* Bing: Choosing between stocks and bondsInteractive: Our investment picksNine reasons why Facebook is a risky investmentCompanies that could fail in 2012Investing in sin stockstopThis field has been disabled for Gallery V2Balanced funds have government and corporate bonds and cash.Balanced funds have government and corporate bonds and cash.Balanced funds have government and corporate bonds and cash.Balanced funds have government and corporate bonds and cash.Balanced funds have government and corporate bonds and cash.Balanced funds have government and corporate bonds and cash.Balanced funds have government and corporate bonds and cash.Balanced funds have government and corporate bonds and cash.Balanced funds have government and corporate bonds and cash.Balanced funds have government and corporate bonds and cash.Balanced funds have government and corporate bonds and cash.IndexFund: indexGoal: growth, safetyIndex funds are designed to replicate the returns of the benchmark stock indices - the TSX 100 or the S&P 500. The thinking is that trying to outperform the average benchmark is risky, so investing in companies that make up the benchmark should generate average returns generally at a lower price. This is a fund for those who want to invest in stocks but are adverse to risk-taking.* Video: Vangurad founder, founder of index fund talks the failures of capitalismInteractive: Our investment picksNine reasons why Facebook is a risky investmentCompanies that could fail in 2012Investing in sin stockstopThis field has been disabled for Gallery V2Index funds are good for those who want to invest in stocks but don't like risk.(©Getty)Index funds are good for those who want to invest in stocks but don't like risk.(©Getty)Index funds are good for those who want to invest in stocks but don't like risk.(©Getty)Index funds are good for those who want to invest in stocks but don't like risk.(©Getty)Index funds are good for those who want to invest in stocks but don't like risk.(©Getty)Index funds are good for those who want to invest in stocks but don't like risk.(©Getty)Index funds are good for those who want to invest in stocks but don't like risk.(©Getty)Index funds are good for those who want to invest in stocks but don't like risk.(©Getty)Index funds are good for those who want to invest in stocks but don't like risk.(©Getty)Index funds are good for those who want to invest in stocks but don't like risk.(©Getty)Index funds are good for those who want to invest in stocks but don't like risk.(©Getty)Index funds are good for those who want to invest in stocks but don't like risk.(©Getty)Index funds are good for those who want to invest in stocks but don't like risk.(©Getty)Index funds are good for those who want to invest in stocks but don't like risk.(©Getty)Index funds are good for those who want to invest in stocks but don't like risk.(©Getty)Small capFund: small capGoal: growthSmall cap funds invest in small- to medium-sized companies that have greater growth potential than larger corporations in established markets. While these higher-risk funds may not fit everyone's investment outlook, the returns can be above average if growing companies in emerging industries are identified early in the growth cycle. Small-cap funds should only fill a portion of your overall investment portfolio.* Bing: What are the pros and cons of high risk mutual funds?Interactive: Our investment picksNine reasons why Facebook is a risky investmentCompanies that could fail in 2012Investing in sin stockstopThis field has been disabled for Gallery V2Small- and medium-sized companies can grow faster than larger, established ones.Small- and medium-sized companies can grow faster than larger, established ones.Small- and medium-sized companies can grow faster than larger, established ones.Small- and medium-sized companies can grow faster than larger, established ones.Small- and medium-sized companies can grow faster than larger, established ones.Small- and medium-sized companies can grow faster than larger, established ones.Small- and medium-sized companies can grow faster than larger, established ones.Small- and medium-sized companies can grow faster than larger, established ones.Small- and medium-sized companies can grow faster than larger, established ones.Small- and medium-sized companies can grow faster than larger, established ones.Small- and medium-sized companies can grow faster than larger, established ones.Small- and medium-sized companies can grow faster than larger, established ones.Small- and medium-sized companies can grow faster than larger, established ones.Small- and medium-sized companies can grow faster than larger, established ones.Small- and medium-sized companies can grow faster than larger, established ones.ExoticFunds: exotic funds (emerging countries, diverse industries)Goal: growthFor those who are risk tolerant and want to zero in on a particular sector or investing opportunity, mutual fund companies offer a range of investment options. To name a few: Real Estate Investment Trusts, Health Industry Funds, Latin American Equity Funds, China Growth Funds, Global Agriculture Funds, Social Value Funds, and MicroCap Funds. These types of funds will add some variety to your portfolio - just remember to balance the risk out with more conservative investments.* Bing: What are exotic funds?Interactive: Our investment picksNine reasons why Facebook is a risky investmentCompanies that could fail in 2012Investing in sin stockstopThis field has been disabled for Gallery V2For those who don't mind some risk in their portfolio.(©Dougal Waters/Lifesize/Getty)For those who don't mind some risk in their portfolio.(©Dougal Waters/Lifesize/Getty)For those who don't mind some risk in their portfolio.(©Dougal Waters/Lifesize/Getty)For those who don't mind some risk in their portfolio.(©Dougal Waters/Lifesize/Getty)For those who don't mind some risk in their portfolio.(©Dougal Waters/Lifesize/Getty)For those who don't mind some risk in their portfolio.(©Dougal Waters/Lifesize/Getty)For those who don't mind some risk in their portfolio.(©Dougal Waters/Lifesize/Getty)For those who don't mind some risk in their portfolio.(©Dougal Waters/Lifesize/Getty)For those who don't mind some risk in their portfolio.(©Dougal Waters/Lifesize/Getty)For those who don't mind some risk in their portfolio.(©Dougal Waters/Lifesize/Getty)For those who don't mind some risk in their portfolio.(©Dougal Waters/Lifesize/Getty)
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