There are many alternative ways to protect your capital without paying such hefty fees, which will take a large
bite out of your returns.
I try to avoid such institutions as they only take
a bite out of my returns and I do not see the need to pay to simply «maintain» my account.
Even though most of the return from bonds comes in the form of interest income, decreasing bond prices still take
a bite out of those returns.
If clients hold ETF investments outside registered accounts, taxes can take a big
bite out of returns.
Alas, nasty things like fees, commissions, and taxes also take a big
bite out of returns.
• Taxes and Transactions costs: As in any investment strategy, taxes and transactions costs can take
a bite out of returns, although the effect should become smaller as your time horizon lengthens.
There's a good reason for that: Taxes can take a big
bite out of returns.
Investors don't realize how much of an advantage this is but taxes on your investment gains take a huge
bite out of your returns over the years.
These warnings often sound like this: The fees that you pay to invest your money could take a huge
bite out of your returns over the long term, so watch them closely.
In an environment of subdued investment returns, Davis says consumer awareness will increase that the 2.5 per cent management expense ratio of the average Canadian mutual fund will «take a much bigger
bite out of returns and investors will be more apt to notice that.»
After removing the effect of fees and inflation, you're left with about a 5 % - a-year return in real terms — and don't forget the taxman will take
another bite out of your returns, either immediately or when you remove money from your RRSP.
These warnings often sound like this: The fees that you pay to invest your money could take a huge
bite out of your returns over the long term, so watch them closely.
In a world in which, after inflation, even an average long - term return of 4 % annually might be hard to achieve, your own performance chasing could take a bigger
bite out of your returns than anything else.
Not exact matches
Amongst all the articles chronicling the Twinkie's
return, one
bit of info from Metropoulos stood
out:
The Boost tech is made
out of tiny capsules
of highly elastic polymer that
return energy and look a
bit like a midsole made
out of Styrofoam.
The most severe
return / risk profiles we identify have sometimes persisted for several months without a material market correction... The perception
of a Goldilocks economy may drag that
out for a
bit longer here, so again, we can't be impatient, and we'll take our evidence as it arrives.
Even if you want someone to simply put you
out of your misery and do your
return before your head explodes, you will want to go a little
bit deeper.
So decent
returns aren't
out of the question just because valuations are a
bit stretched at the moment.
We usually don't mind paying a
bit higher price for a trade entry, in
return for increased odds
of the trade working
out favorably.
After years
of playing it safe, at least some folks have tired
of paltry
returns and are gaining the confidence to stick their necks
out a
bit.
The second impact
of inflation is less obvious, but it can take a major
bite out of your portfolio
returns over time.
The world is fixed a
bit when we fix our eyes on one person's soul, and take all
of them, turn to all
of them, follow all
of them, seek
out all
of them,
return to all
of them.
However, this judgment does not rule
out the possibility that they may have felt a
bit sheepish on their
return journey, as they reflected on their unabashed ardor in the presence
of the babe.
That they did it almost entirely without their offense (Saquon Barkley
returned the opening kickoff for a touchdown, then the Nittany Lions scored on a short field following a fumble recovery) turned
out to be a
bit of a foreboding tale.
Although almost every Arsenal fans has already accepted that the Gunners will not be going through to the next stage
of the Champions League after losing 5 - 1 in the first leg away to Bayern Munich, it would be nice for Arsenal to get something
out of the
return leg at the Emirates tomorrow, if only to build up a
bit of the confidence that the hammering in Germany took away.
It would be nice if the team could give Bayern Munich a
bit more
of a game in the
return leg at the Emirates but Arsene Wenger might as well play the kids because we are
out of Europe and looking to salvage something from yet another disappointing season.
Out of all the strikers linked to us I would rank their desirability / fit / potential as follows: 1) Lacavette mainly for potential but and squad fit 2) Martinez, slight unknown,
bit of a risk but he will have decent motivation imo 3) Higuain — better goal
returns over a long period than Benzema 4) Benzema — decent but question his attitude, desire.
Wellington Silva is
returning to us and although he hasn't exploded on the scenes from loaning
out, he hasn't had chance to settle... he can get past his man and with a
bit of fine tuning we will have a star if he can settle in the EPL.
Picture this, we don't come
out of the gate firing on all cylinders, Wenger speaks
of how there wasn't enough time for the first - teamers to build chemistry, several key players aren't even playing because
of Wenger's utterly ridiculous policy regarding players who played in the Confed Cup or the under21s and the boo - birds have
returned in full flight... if these things were to happen, which is quite possible considering the Groundhog Day mentality
of this club, how long do you think it will take for Wenger to recant his earlier statements regarding Europa... I would suggest that it's these sorts
of comments from Wenger which are often his undoing... why would any manager worth his weight in salt make such a definitive statement before the season has even started... why would any manager who fashions himself an educated man make such pronouncements before even knowing what his starting 11 will be come Friday, let alone on September 1st... why would any manager who has a tenuous relationship with a great many supporters offer up such a potentially contentious talking point considering how many times his own words have come back to
bite him in the ass... I think he does this because he doesn't care what you or I think, in fact he's more than slightly infuriated by the very idea
of having to answer to the likes
of you and me... that might have been acceptable during his formative years in charge, when the fans were rewarded with an scintillating brand
of football and success felt like a forgone conclusion, but this new Wenger led team barely resembles that team
of ore... whereas in times past we relished a few words from our seemingly cerebral manager, in recent times those words have been replaced by a myriad
of excuses, a plethora
of infuriating stories about who he could have signed but didn't and what can only be construed as outright fabrications... it's kind
of funny that when we want some answers, like during the whole contract debacle
of last season, we can't get an intelligent word
out of him, but when we just what him to show his managerial acumen through his actions, we can't seem to get him to shut - up... I beg you to prove me wrong Arsene
A
return date
of March 2018 means that he is unlikely to be sent
out on loan after his
return next season and he will
of course be no closer to a
bit of first team action at Arsenal.
As much as I would love to have Coq & Santi back ASAP, I wonder Arsene leaked the «good news»
of their imminent
return to action as a
bit of a smokescreen to drive to down other teams» asking prices as we go
out bargaining for transfer reinforcments.
Actually Burnley have
returned so little
out on the road that it actually makes the Potters look like a
bit of a banker this weekend to get stuck into in the Premier League.
Still a
bit too early to trot
out Virgil van Dijk, unfortunately, so we might see Ragnar Klavan's
return to the middle
of the back four.
Their performance on Sunday lacked inspiration, that
bit of spark or guile, but the
return of Fernando Torres, who has been
out of action for what seems an eternity for Liverpool, should make his long awaited start on Sunday, and we fancy the Spaniard to torment this Rovers back line and wouldn't discourage anyone from backing Torres to score at Anfield, even if he is lacking in match fitness.
That is all a
bit dower, and I think the organization made a mistake to throw that many young and / or
out of game form players up against the Monarchs, but there were some positives, including the S2
return of Azriel Gonzalez and a certain bromeliad visitor in the stands.
In some circumstances, by spending just a little
bit of time and creativity you can get a great
return on investment, as one artist and illustrator found
out.
State GOP Chairman Ed Cox suffered a
bit of a memory lapse earlier today while pressuring Senate Democrats to
return what he called «dirty money» in the form
of campaign contributions doled
out by scandal - scarred Sen. Carl Kruger.
While Proposal 1 was handed a resounding loss — and a measure to bar officials convicted
of a crime
of their state pensions easily passed —
returns for the land bank were a nail -
biter, with «no» votes leading the charge until late - night
returns from the Adirondacks put the proposal over the top, carving
out a modest 4 percent victory.
Let me stick my neck
out a little
bit further and say that in 300 or 400 years, a large majority
of people will go to a planet and not
return back to the Earth.
At this stage I am still stuffing all sorts
of bits of paper into my sock drawer rather than operating a neat and rigorous filing system, and the concept
of a tax
return sends me into a sweaty panic — but watch
out for a forthcoming article entitled «tax for the incompetent».
Snatch was a glossy replica that had a
bit of diminished
return but still came
out good.
I am still giving this what I feel is a reasonable score as I did laugh
out loud quite a
bit at much
of the humor and was happy to see the princess
return.
They fall in love, boff a
bit - which enhances his game no end while wrecking hers - fall
out, split and reunite on Centre Court when she
returns (after being knocked
out of the tournament) to see him recover from two sets down to take the title.
To celebrate the hedgehog's
return, which thus far has been met with fair praise, check
out the game's opening animation and maybe feel a little
bit of nostalgia / excitement...
However, it is a
bit of a letdown that what promised to be a
return to the glory
of the original intelligence that was the first Die Hard would evolve into something that is so downright dumb and predictable at times, that it gluts the film into tedium all too often, despite some very impressive
bits of all -
out action.
After starring in The Captain from Castile, Tyrone Power strayed a
bit from the grand plan set
out by Fox Czar Darryl Zanuck and made a pair
of comedies before
returning to the period action hero archetype he fitted so ebulliently.
Jerry Goldsmith (1968) **** Bangkok Dangerous Brian Tyler (2008) *** The Banner Saga Austin Wintory (2014) **** Basic Instinct Jerry Goldsmith (1992) ***** Basic Instinct 2 John Murphy (2006) *** Batman Danny Elfman (1989) **** Batman
Returns Danny Elfman (1992) ** Batman Begins Hans Zimmer and James Newton Howard (2005) ** Batman v Superman: Dawn
of Justice Hans Zimmer and Tom Holkenborg (2016) * * batteries not included James Horner (1987) *** 1/2 Battle: Los Angeles Brian Tyler (2011) ** Battleship Steve Jablonsky (2012) * Battlestar Galactica Richard Gibbs (2004) ** Battlestar Galactica: Season One Bear McCreary (2005) ** 1/2 Battlestar Galactica: Season Two Bear McCreary (2006) ** 1/2 Bears George Fenton (2014) **** Beat the Drum Klaus Badelt and Ramin Djawadi (2003) **** The Beautiful Country Zbigniew Preisner (2004) **** A Beautiful Mind James Horner (2001) **** Bee Movie Rupert Gregson - Williams (2007) **** Being Julia Mychael Danna (2004) **** Belle Rachel Portman (2014) *** Beloved Infidel Franz Waxman (1959) ** 1/2 Below Graeme Revell (2002) * Ben - Hur Marco Beltrami (2016) ** Beneath the Planet
of the Apes Leonard Rosenman (1970) **** Beneath the 12 - Mile Reef Bernard Herrmann (1953) ***** Beowulf Alan Silvestri (2007) *** The Best Exotic Marigold Hotel Thomas Newman (2012) **** The Best
of Everything Alfred Newman (1959) *** The Best Offer Ennio Morricone (2013) **** 1/2 The Betsy John Barry (1978) **** A Better Life Alexandre Desplat (2011) **** Between Heaven and Hell and Soldier
of Fortune Hugo Friedhofer (1956/5) ***** Beyond Borders James Horner (2003) **** Beyond Rangoon Hans Zimmer (1995) **** 1/2 Beyond the Gates Dario Marianelli (2005) **** Beyond the Poseidon Adventure Jerry Fielding (1979) **** 1/2 The Beyondness
of Things John Barry (1998 concept album) ***** The BFG John Williams (2016) *** 1/2 Bhopal: A Prayer for Rain Benjamin Wallfisch (2014) **** The Bible Hans Zimmer and Lorne Balfe (2013) * Bicentennial Man James Horner (1999) **** 1/2 The Big Bounce George S. Clinton (2004) *** The Big Bus David Shire (1976) *** The Big Empty Brian Tyler (2003) ** 1/2 Big Fish Danny Elfman (2003) *** 1/2 The Big Kahuna Christopher Young (1999) *** 1/2 Big Miracle Cliff Eidelman (2012) *** The Big Sleep Jerry Fielding (1978) **** Big Wednesday Basil Poledouris (1978) **** Bilal: A New Breed
of Hero Atli Örvarsson (2016) *** Birdman
of Alcatraz Elmer Bernstein (1962) ***** Birth Alexandre Desplat (2004) **** The Birth
of a Nation Henry Jackman (2016) ***
Bite the Bullet Alex North (1975) ***** Black Chris Tilton (2006) **** The Black Bird Jerry Fielding (1975) **** 1/2 The Black Cauldron Elmer Bernstein (1985) *** 1/2 The Black Dahlia Mark Isham (2006) ***** Black Gold James Horner (2011) **** 1/2 Black Hawk Down Hans Zimmer (2001) **** 1/2 The Black Hole John Barry (1979) **** 1/2 Black Panther Ludwig Göransson (2018) **** Black Rain Hans Zimmer (1989) * Black Robe Georges Delerue (1992) **** Black Sails Bear McCreary (2014) **** The Black Stallion Carmine Coppola (1979) and The Black Stallion
Returns Georges Delerue (1983) **** Black Sunday John Williams (1977) *** 1/2 The Black Tulip Christopher Young (2010) **** Black Widow Michael Small (1987) *** Blade II Marco Beltrami (2002) *** Blade Runner 2049 Hans Zimmer and Benjamin Wallfisch (2017) ** Bless the Child Christopher Young (2000) ***** Blizzard Mark McKenzie (2003) **** 1/2 Blood Diamond James Newton Howard (2006) *** 1/2 Blood In, Blood
Out Bill Conti (1993) **** Bloodline Ennio Morricone (1979) *** The Blue Lagoon Basil Poledouris (1980) **** The Blue Max Jerry Goldsmith (1966) ***** The Blue Planet George Fenton (2001) ***** Bobby Jones: Stroke
of Genius James Horner (2004) *** Body Double Pino Donaggio (1984) **** Body Heat John Barry (1981) ***** The Bodyguard Alan Silvestri (1992) ** Bolt John Powell (2008) *** 1/2 Bonnie & Clyde John Debney (2013) *** 1/2 Book
of Blood Guy Farley (2009) *** The Book
of Henry Michael Giacchino (2017) *** The Book
of Stars Richard Gibbs (1999) *** 1/2 The Book Thief John Williams (2013) **** Born in China Barnaby Taylor (2016) **** Born on the Fourth
of July John Williams (1989) ***** The Bounty Hunter George Fenton (2010) *** The Bourne Identity John Powell (2002) *** 1/2 The Bourne Supremacy John Powell (2004) *** 1/2 The Bourne Ultimatum John Powell (2007) **** The Bourne Legacy James Newton Howard (2012) ** The Boy in the Striped Pyjamas James Horner (2008) **** 1/2 The Boys from Brazil Jerry Goldsmith (1978) ***** The Boxtrolls Dario Marianelli (2014) *** 1/2 The Boy Who Could Fly Bruce Broughton (1986) **** Brainstorm James Horner (1983) ***** Brake Brian Tyler (2012) *** Brannigan Dominic Frontiere (1975) **** The Bravados Alfred Newman and Hugo Friedhofer (1958) *** The Brave Little Toaster David Newman (1986) **** 1/2 The Brave One Dario Marianelli (2007) ** 1/2 Breach Mychael Danna (2007) **** Breakheart Pass Jerry Goldsmith (1975) *** 1/2 Breakdown Basil Poledouris (1997) **** Breakout Jerry Goldsmith (1975) *** Breathe Nitin Sawhney (2017) *** The Bride Maurice Jarre (1985) **** The Bridge at Remagen Elmer Bernstein (1969) **** Bridge
of Spies Thomas Newman (2015) **** 1/2 Bridget Jones's Baby Craig Armstrong (2016) *** Bring Me the Head
of Alfredo Garcia and The Killer Elite Jerry Fielding (1974/5) ***** Broadcast News Bill Conti (1987) *** Broadchurch Ólafur Arnalds (2015) **** 1/2 Broken Arrow Hans Zimmer (1996) * Broken Horses John Debney (2015) *** 1/2 Bruc Xavier Capellas (2010) *** 1/2 Bruce Almighty John Debney (2003) *** The Bucket List Marc Shaiman (2007) *** Buddy Elmer Bernstein (1997) **** Bug Brian Tyler (2006) *** A Bug's Life Randy Newman (1998) **** 1/2 Bugsy Ennio Morricone (1991) *** 1/2 Bullet to the Head Steve Mazzaro (2012) *** Bulletproof Monk Eric Serra (2003) *** The «Burbs Jerry Goldsmith (1989) *** 1/2 Bury my Heart at Wounded Knee George S. Clinton (2007) *** 1/2 The Butterfly Effect Michael Suby (2004) *** 1/2 By Love Possessed Elmer Bernstein (1961) ****
Better to go the route
of a traditional third - party publisher who will handle wholesale discounts and ordering, warehousing and
returns (all taking a majority
bite out of that «100 %» royalty, plus additional red tape and extra fees along the way).
Add in dividends and a little
bit of upside potential (since most
of these are a little
bit out of the money) and you're on your way to 10 % +
return for the year.
Fees for financial planning can take a big
bite out of your investment
returns over time.