A stock is a share in the ownership of a company. Stocks represent a claim on the company's assets and earnings. As you acquire more stocks, your ownership stake in the company becomes greater. Whether you say shares, equity, or stock, it all means the same thing.

Being an Owner holding a company's stock means that you are one of the many owners (shareholders) of a company and, as such, you have a claim (albeit usually very small) to everything the company owns. Yes, this means that technically you own a tiny sliver of every piece of furniture, every trademark, and every contract of the company. As an owner, you are entitled to your share of the company's earnings as well as any voting rights attached to the stock.

A bond is simply an 'IOU' in which an investor agrees to loan money to a company or government in exchange for a predetermined interest rate.

If a business wants to expand, one of its options is to borrow money from individual investors, pension funds, or mutual funds. The company issues bonds at various interest rates and sells them to the public. Investors purchase them with the understanding that the company will pay back their original principal (the amount the investor loaned to the company) plus any interest that is due by a set date (this is called the "maturity" date).

The aim of Portfolio Management is to achieve the maximum return from a portfolio which has been delegated to be managed by an individual manager or financial institution. The manager has to balance the parameters which define a good investment i.e. security, liquidity and return. The goal is to obtain the highest return for the client of the managed portfolio.

The best time to buy stocks is every time. The price of stocks is always changing so it is best to put money in on a regular basis.

Now is time to invest to create wealth for the future. You can now invest in great companies at great prices. Start now, do not delay. Time is what makes your money grow.

Yes. A lot depends on the time you spend in the market. We cannot stress enough the importance of exercising this discipline in order to reap rewards and experience growth in your investments. Be intentional. When it comes to investing long term, you can be that tree planted by the rivers of water or you can be the chaff which the wind drives away.

You can start with a Savings Club or Goal Savings Club account. The minimum is $5,000 but we encourage you to start with as much as you can and make regular monthly deposits so that you can transfer to an investment account. While saving towards investing you are earning interest on your money.

All you need is a valid Photo ID, TRN, Proof of Address, your Opening Deposit as well as a signed and completed application form. We have easy payment options such as through online banking, Paymaster or Bill Express. You can also make payments at any of our office locations by cheque or debit card.