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  • What's Adult Dating - and why should you bother joining?
  • Mutual Funds Facts and Myths
  • Access Key Navigation
  • How Mutual Funds Trade
  • What Should I Know When Buying Mutual Funds?
  • Latest Adult Dating Sites User Reviews
  • Dave Ramsey Recommends Mutual Funds Over ETFs
  • What Are Mutual Funds?

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    Mutual Funds Facts and Myths


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    Hedge Funds by Annabella Gualdoni Mutual funds and hedge funds are similar in some ways.

    Mutual funds and hedge funds both invest in variety of stocks and bonds. Both types aim to make money for their investors, but some individual funds are more inherently risky than others. Before investing in either mutual funds or hedge funds, be sure you understand how they operate and the potential downsides. Mutual Fund Basics Mutual funds are registered with the U.

    Securities and Exchange Commission and must make periodic reports of their activities. As such, they are subject to reporting rules and government oversight. Mutual funds trade at the close of the market day and make straightforward buy and sell transactions. They invest in all types of investments, such stocks, bonds, commodities and real estate. Hedge Fund Basics Hedge funds are not required to register with the SEC or to submit period reports While mutual funds are offered publicly, hedge funds are private offerings.

    If these words are all Greek to you, you're not alone.

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    In a tiny nutshell, they are tricky financial instruments that allow investors to speculate on future prices or allow purchasing on credit. The purpose of hedge funds is to bring high returns despite risk, but some are less volatile than others.

    Minimums and Fees One critical difference between mutual funds and hedge funds is the minimum investment amount. Mutual funds have modest management fees, approximately 1 or 2 percent per year. They get away with these fees with the understanding that they hire the top financial minds in the world and aspire to offer spectacular returns. Risks and Rewards Mutual funds and hedge funds both offer diversification because their portfolios consist of a mix of investments.

    In either case, you relinquish control of selecting individual equities or bonds, leaving those decisions to professional fund managers. Some mutual funds are quite conservative, while others are rather risky. Greater risk brings more potential for high returns, and there are so many funds to pick from that you're bound to find many that match your level of risk tolerance.

    Funds of Hedge Funds There's really no such thing as a conservative hedge fund, but you minimize the risks somewhat by investing in a fund of hedge funds rather than a single fund. You will have to pay two layers of fees, one to your fund of funds and then indirectly to the funds it holds.
    We see too many investors who might have avoided trouble and losses if they had asked basic questions from the start.

    How Mutual Funds Trade

    We encourage you to thoroughly evaluate the background of any financial professional with whom you intend to do business—before you hand over your hard-earned cash. Investor Tip Which financial professional you select is very important for several reasons. You'll want to investigate thoroughly before doing business with a financial professional or firm that has a history of complaints or problems with regulators. Also, you should know that if your financial professional or his or her firm goes out of business or declares bankruptcy, you might not be able to recover your money—even if an arbitrator or a court rules in your favor.

    It doesn't matter if you are a beginner or have been investing for many years, it's never too early or too late to start asking questions. It's almost impossible to ask a dumb question about how you are investing your money.

    Remember, it's your money at stake. You are paying for the assistance of a financial professional. A good financial professional will welcome your questions, no matter how basic. Financial professionals know that an educated client is an asset, not a liability. They would rather answer your questions before you invest, than confront your anger and confusion later.

    In this brochure, you'll find some questions that you should ask about investment products, the people who sell those products, and the people who provide investment advice to you. We've also included some tips on how to monitor your investments and handle any problems.

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    Keep this brochure on hand when considering an investment and use it by asking the right questions before you buy. Have a pen and piece of paper ready to take notes on the answers.

    They can come in handy if there is a dispute later about what was said during the transaction. Taking notes also sends a signal to your financial professional: I'm a smart and serious investor who wants to know more about the risks and rewards of investing.

    Is this investment product registered with the SEC and my state securities agency? Does this investment match my investment goals? Why is this investment suitable for me? How will this investment make money? Specifically, what must happen for this investment to increase in value? For example, increase in interest rates, real estate values, or market share?

    What are the total fees to purchase, maintain, and sell this investment? Are there ways that I can reduce or avoid some of the fees that I'll pay, such as purchasing the investment directly? After all the fees are paid, how much does this investment have to increase in value before I break even? How liquid is this investment? How easy would it be to sell if I needed my money right away?

    What are the specific risks associated with this investment? What is the maximum I could lose? For example, what will be the effect of changing interest rates, economic recession, high competition, or stock market ups and downs? How long has the company been in business?

    Is its management experienced? Has management been successful in the past? Have they ever made money for investors before? Is the company making money? How are they doing compared to their competitors? Where can I get more information about this investment? Can I get the latest reports filed by the company with the SEC: How has this fund performed over the long run?

    Where can I get an independent evaluation of this fund?

    What Should I Know When Buying Mutual Funds?


    What specific risks are associated with this fund? What type of securities does the fund hold? How often does the portfolio change?

    Does this mutual fund invest in any type of securities that could cause the value to go up or down rapidly in a short period of time?

    How does the fund perform compared to other funds of the same type or to an index of the same type of investment?

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    How much will the fund charge me when I buy shares? What ongoing fees are charged? How much will the fund charge me when I sell shares? Is the fund portable? If I move my assets to another firm, will I be able to continue holding the fund or will I need to liquidate it? Are you registered with our state securities regulator?

    Your state securities regulator may give you more information from the CRD than NASD, especially when it comes to investor complaints, so you may want to check with them first. You'll find contact information for your state securities regulator on the website of the North American Securities Administrators Association. You can find out about investment advisers and whether they are properly registered by reading their registration forms, called the " Form ADV.

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    You can also get copies of Form ADV for individual advisers and firms from the investment adviser, your state securities regulatoror the SECdepending on the size of the adviser. How long has your firm been in business? How many arbitration awards have been filed against your firm?

    What training and experience do you have? How long have you been in the business? What other firms have you been registered with? What is the status of those firms today? Have you personally been involved in any arbitration cases? What is your investment philosophy? Describe your typical client.

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    Can you provide me with some names and telephone numbers of your long term clients? How do you get paid? Amount of assets you manage? Do I have any choices on how to pay you? Should I pay you by the transaction? Or a flat fee regardless of how many transactions I have? Do you make more if I buy this stock or bond, or mutual fund rather than another?

    If you weren't making extra money, would your recommendation be the same? Are you participating in a sales contest? Is this purchase really in my best interest, or are you trying to win a prize?

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    You've told me what it costs me to buy this stock or bond, or mutual fund ; how much will I receive if I sell it today? Where do you send my order to be executed? Can we get a better price if we send it to another market? If your financial professional changes firms, ask: Did they pay you to change firms?

    Do you get anything for bringing me along? Questions About the Progress of Your Investments: How frequently do I get statements? Do I understand what the statement tells me? Is the return on my investment meeting my expectations and goals?

    Is this investment performing as I was led to believe? How much money will I get back if I sell my investment today? How much am I paying in commission or fees? Have my goals changed? If so, are my investments still suitable? What criteria will I use to decide when to sell? How to Handle Problems: By law, you only have a limited time to take legal action. Follow these steps to solve your problem: Talk to your financial professional and explain the problem.

    Where is the fault? Refer to your notes.
    Investing is an intimidating subject for many people because it involves complicated acronyms and high-level concepts. In fact, there was a time, not long ago, when investing was only for the wealthy. However, today there are various low-cost products available to the beginning investor, no matter what their social ranking.

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    Believe it or not, you can start to invest on a budget, and that is reason enough to grow your net worth. Who to give your money to There is a big difference between stock brokers and mutual funds. Both can offer similar services, but they specialize in a certain area of expertise. It is important to understand the type of service and the fees being charged in each case. All too often, investors jump into a situation in which they do not know how the investment company or adviser will be paid.

    A stock broker acts as an extension of you, matching and researching investments that suit your needs and budget. On the other hand, a mutual fund may not be as in tune with your needs, as they deal with large pools of money from investors and are also subject to risks, fees and expenses. Keep fees low When investing on a budgetit is important to keep your costs low.

    In doing so, you will end up with a lot more money down the road. The four fees you will encounter are account fees, commissions, loads, and expense ratios. Account fees are costs charged by the broker for managing your account; commissions are charged by the broker for trading stocks; loads are fees charged for buying or selling a mutual fund; and lastly, an expense ratio is the amount in percentage terms that the fund company charges as a management fee.

    Prepare for retirement When most people think of saving, they think of saving for a car or house with a savings account attached to your general checking account. Investment professionals, on the other hand, think of saving money in terms of savings accounts or a Certificate of Deposit.

    Investing, on the other hand, involves growing your money over the long-term. The money you invest should not be touched for years to come. This investment is your retirement money that will one day provide an income for you and your family.

    This money should be invested in a mix of stocks and bonds according to your age and risk tolerance. More tips to help you invest on a budget
    It has that perfect resonating mix all investors, big and small, crave when they daydream of an unshackled financial tomorrow. However, due to the natural laws of supply and demand, interest in these new issues almost always outstrip the quantity made available, and therefore only insiders, well-connected bigwigs, and the very wealthy are usually the only ones who are granted access.

    Nepotism and cronyism at its undemocratic finest. For generations the general public has had little access to IPOs. There was a brief moment in time when Wit Capital, an internet startup of the 90s, briefly unlocked this secret world, but it was short-lived. Questrade became one of the new Canadian trailblazers to usher in a sledgehammer back into this world for the masses by introducing their IPO Centre. This centre is a very welcome sight and seems well positioned to grow into something incredibly special.

    For historic reasons, they also give access to a detailed back catalog of previous offerings. IPOs do show up from time-to-time as well. Due to Canadian security regulations though, U. TSX has a very large mining focus. I am not sure if this is due to the unseen battle that they surely must have with underwriters to be granted access to new filings, or if their staff is just being lethargic in pursuing more pickings.

    Alternatively, you can call their trade desk to put in a request. All IPO and secondary offering purchases are commission free. An expression of interest makes Questrade aware you are putting in a commitment to buy a number of shares. When placing an expression of interest on their website, the trade desk contacts you to confirm the order within an hour.

    In rare cases I found it took up to 24 hours. That revelation can potentially lead to unique first access opportunities. Canceling a request can be made within two business days this may vary depending on the province of receiving, or deemed receipt of, a prospectus and any related amendments found at the online centre.

    Times can be shorter when dealing with some secondary offerings and preferred treasury shares. Once allocations from the underwriter are received, Questrade informs customers via email or phone. Allocations, however, may be distributed on a pro-rata basis if an IPO is oversubscribed the number of shares requested by all interested parties is greater than what Questrade receivedand so, as mentioned earlier, your original request amount may not necessarily materialize to what you actually get.

    Most people will likely prefer to communicate with Questrade through online means. As such, you have a few options: Email, and Live Help real-time chat. Email response times were relatively quick. I sent four different emails regarding four distinctly different issues, and their reply times varied between one hour and eighteen hours. Their response content was very good as well.

    Nothing was canned, which is common when dealing with other companies over email. But nonetheless, their chat button tends to be conveniently a fixed overlay on the right corner of most pages. When clicked it brings up a pop-up window.

    After speaking with several online representatives — those who deal with potential new accounts and others who deal with existing accounts — I found them to be very well-informed, professional, and quick in their responses.

    They also took the extra time to provide external web links those found outside the Questrade domain for further reading which was a nice bonus. If the chat feature is unavailable e. When I tried this, I did receive a decent response when a representative returned. For customer support over the phone, they are available Monday to Friday, 7: For forex trading, they are open much longer, including Sundays. Coincidentally, being trilingual I was able to speak to representatives in all three languages.

    Hold times varied based on what I was calling about. During midday on a workweek I found the wait time for a new customer to be about one minute. When calling in as an existing customer, the wait time was much shorter. This may be coincidental, but I also found that using their live help was much quicker than calling into their offices.

    Overall, speaking over the phone with their different departments was a very relaxing and helpful experience. They know their stuff! And not once did I feel they were rushing to get the conversation ended quickly. It felt like I actually mattered. App Hub Questrade has partnered with several financial service providers to help enhance your investment experience through third-party apps. Types of partner apps include trading platforms, stock pickers, performance recorders, statistics analyzers, portfolio monitors, etc.

    Once you grant permission to an app, it can access your account details personal information is still kept privateretrieve market data, and assist you with placing trades through your Questrade brokerage account.

    The only apps authorized by Questrade are the ones listed in their library. If a third-party app is not listed there, then that specific app will not have access to your account. In other words, you cannot arbitrarily generate a generic authorization token for an unauthorized app. Interestingly, you can create and register your own app and become a partner with Questrade. I will discuss this in more detail under the Developer Platform section of this review. One strange quirk I did find, when you add a partner app it became difficult, if not impossible, to return to the App Hub library at a later time to add another app.

    Either this is an oversight, or a bug. Hopefully they fix it soon because the only way I could figure out how to return to the App Hub library was to remove all my apps.

    By the time you read this review it will probably already be fixed. Beyond that little issue it was really fun and quite advantageous to have access to so many third-party apps. They use an impressive bit SSL class 3 extended validation for both logging in and trading. Extra security during the login process can be provided by enabling two-factor authentication.

    For those unfamiliar, two-factor authentication is an additional security layer which requires not just a username and password, but you must also use another device that you currently have in your possession — typically a phone — to input a special code shown on that device during the login process. Questrade has an online security guarantee which insures investors against unauthorized transactions which result in a direct loss. You will need to contact them directly by phone for more details in getting this extension set up correctly.

    When joining, you must provide at least two security questions and answers — one of which gets asked when you attempt to log into your account from an unrecognized device. Once signed into your account your last login information is prominently displayed at the top-right corner with the date, time, device used, browser user agent, and the operating system of who last accessed your account.

    And lastly, a special appreciation goes out to the ability to set up a personal identification number PIN from your customer profile page. This PIN is optional, but is used to make it quicker to identify you when phoning in.

    Dave Ramsey Recommends Mutual Funds Over ETFs


    You still have to provide other information about yourself when speaking to a representative, but the verification process is much quicker. I found this very handy, especially because I had to call in several times to better review their customer service.

    Developer Platform Developers interested in writing their own applications or using tools from other third-party vendors can rejoice because Questrade has their own application programming interface API. I also love how they give access to a practice server for testing applications on. And once I had fixed all my bugs, I then was able to switch over to the live server. The great thing about using REST and OAuth is that development time is significantly reduced, as was evident by the time it took for me to make my first app, because they are widely used, simple to understand, standards for a lot of online development.

    I did not test this feature because my application was just a simple proof-of-concept for this review, but I did speak with a technician who told me that there is no cost when partnering. Conclusion My journey through the expansive financial world carved out by Questrade was a very enjoyable one. They also received honourable mentions as the best in ease of use and overall independent broker. When speaking to several of their representatives online and over the phone you could feel a strong sense of pride in their written words and spoken tone.

    There is clearly a strong and positive ecosystem in their workplace environment. The staff seem exceptionally knowledgeable when assisting, providing a fulfilling experience. This is a far cry from my past dealings with other brokerages and banks. For most of my stock trading life I had been connected at the hip with my local bank. This was before I became more enlightened with better options that were out there.

    Many of us usually get our first investment accounts at big banks e. Such conveniences, however, bring with it abuses by these banks onto their customers.

    And hence, here we are today and why I felt this ultimate Questrade review was a necessary obligation to write. Yes — a resounding YES!

    What Are Mutual Funds?

    Questrade fits my needs perfectly and helps unlock my potential as a growing investor. Leave a reply below, share this review, and rate them using the ratings gauge found at the very top of this page. Monday, July 23 Frequently Asked Questions FAQ This review has been updated many times over the years and, during such time, many questions have been asked by my readers in the comments section.

    For your convenience, I have compiled the most asked questions, with their corresponding answers, below. Lowest commission cost per equity trade in Canada. Canada Questrade will cover the transfer-out fee when moving your brokerage account to them. Full-featured tools and trading platforms available on all devices. Very responsive customer service.

    Even when using live online help. Questrade offers a remarkably rich tapestry of features well tailored for new investors and seasoned traders. They also have the lowest costs of any other brokerage house in Canada, by far. Over the years, they have routinely demonstrated their hypercompetitiveness in this crowded industry by endlessly releasing new products, updates, and exploring untapped avenues e.

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