Sentences with phrase «year guaranteed investment»

The major insurance companies of that period were deeply at fault in this as well, largely driven by the need to issue 5 - year Guaranteed Investment Contracts [GICs] to rapidly growing stable value funds of defined contribution plans.

When considering long - term investments, such as five - year guaranteed investment certificates (GICs), within your RRSP, keep in mind that you may have a problem if you need to withdraw the funds before the investment matures.

Choose from 1 to 5 year Guaranteed Investment Certificates with Outlook's great rates — higher than most conventional financial institutions.

Not exact matches

Also, consider how much money you've already saved.n «The classic example is an 86 - year - old with a $ 3 - million portfolio that» sninvested 100 % in guaranteed investment certificates (GICs) because he's annervous investor and was told he shouldn't take risks,» says Rechtshaffen.

«The classic example is an 86 - year - old with a $ 3 - million portfolio that's invested 100 % in guaranteed investment certificates

-- they plan on being able to have liquidity 5 years after investment, without guaranteeing it, so it's a long term «bet» on the investment.

Mr. Salem periodically asks trustees and investment officers of these charities to imagine they can swap all their assets in exchange for a contract that guarantees them a risk - free return for the next 50 years, while also satisfying their current spending needs.

You're doubling down on the risks like that, as currently there are no safe investments that are guaranteed to return more than the mortgage rate for 25 years.

The asset - backed office space investment starts at just $ 30,000 for a 99 - year lease and gives investors a guaranteed fixed 12.5 % per annum return.

While past performance is no guarantee of future results, evaluating what drove the market in 2017 may help you manage your investments for next year.

If you have an investment that pays out small returns, like Guaranteed Investment Certificate (GIC) which pays about 1.5 % per year, you might as well keep this amount in your regular savinginvestment that pays out small returns, like Guaranteed Investment Certificate (GIC) which pays about 1.5 % per year, you might as well keep this amount in your regular savingInvestment Certificate (GIC) which pays about 1.5 % per year, you might as well keep this amount in your regular savings account.

Examples of these risks, uncertainties and other factors include, but are not limited to the impact of: adverse general economic and related factors, such as fluctuating or increasing levels of unemployment, underemployment and the volatility of fuel prices, declines in the securities and real estate markets, and perceptions of these conditions that decrease the level of disposable income of consumers or consumer confidence; adverse events impacting the security of travel, such as terrorist acts, armed conflict and threats thereof, acts of piracy, and other international events; the risks and increased costs associated with operating internationally; our expansion into and investments in new markets; breaches in data security or other disturbances to our information technology and other networks; the spread of epidemics and viral outbreaks; adverse incidents involving cruise ships; changes in fuel prices and / or other cruise operating costs; any impairment of our tradenames or goodwill; our hedging strategies; our inability to obtain adequate insurance coverage; our substantial indebtedness, including the ability to raise additional capital to fund our operations, and to generate the necessary amount of cash to service our existing debt; restrictions in the agreements governing our indebtedness that limit our flexibility in operating our business; the significant portion of our assets pledged as collateral under our existing debt agreements and the ability of our creditors to accelerate the repayment of our indebtedness; volatility and disruptions in the global credit and financial markets, which may adversely affect our ability to borrow and could increase our counterparty credit risks, including those under our credit facilities, derivatives, contingent obligations, insurance contracts and new ship progress payment guarantees; fluctuations in foreign currency exchange rates; overcapacity in key markets or globally; our inability to recruit or retain qualified personnel or the loss of key personnel; future changes relating to how external distribution channels sell and market our cruises; our reliance on third parties to provide hotel management services to certain ships and certain other services; delays in our shipbuilding program and ship repairs, maintenance and refurbishments; future increases in the price of, or major changes or reduction in, commercial airline services; seasonal variations in passenger fare rates and occupancy levels at different times of the year; our ability to keep pace with developments in technology; amendments to our collective bargaining agreements for crew members and other employee relation issues; the continued availability of attractive port destinations; pending or threatened litigation, investigations and enforcement actions; changes involving the tax and environmental regulatory regimes in which we operate; and other factors set forth under «Risk Factors» in our most recently filed Annual Report on Form 10 - K and subsequent filings by the Company with the Securities and Exchange Commission.

Time for some brutal honesty... this team, as it stands, is in no better position to compete next season than they were 12 months ago, minus the fact that some fans have been easily snowed by the acquisition of Lacazette, the free transfer LB and the release of Sanogo... if you look at the facts carefully you will see a team that still has far more questions than answers... to better show what I mean by this statement I will briefly discuss the current state of affairs on a position - by - position basis... in goal we have 4 potential candidates, but in reality we have only 1 option with any real future and somehow he's the only one we have actively tried to get rid of for years because he and his father were a little too involved on social media and he got caught smoking (funny how people still defend Wiltshire under the same and far worse circumstances)... you would think we would want to keep any goaltender that Juventus had interest in, as they seem to have a pretty good history when it comes to that position... as far as the defenders on our current roster there are only a few individuals whom have the skill and / or youth worthy of our time and / or investment, as such we should get rid of anyone who doesn't meet those simple requirements, which means we should get rid of DeBouchy, Gibbs, Gabriel, Mertz and loan out Chambers to see if last seasons foray with Middlesborough was an anomaly or a prediction of things to come... some fans have lamented wildly about the return of Mertz to the starting lineup due to his FA Cup performance but these sort of pie in the sky meanderings are indicative of what's wrong with this club and it's wishy - washy fan - base... in addition to these moves the club should aggressively pursue the acquisition of dominant and mobile CB to stabilize an all too fragile defensive group that has self - destructed on numerous occasions over the past 5 seasons... moving forward and building on our need to re-establish our once dominant presence throughout the middle of the park we need to target a CDM then do whatever it takes to get that player into the fold without any of the usual nickel and diming we have become famous for (this kind of ruthless haggling has cost us numerous special players and certainly can't help make the player in question feel good about the way their future potential employer feels about them)... in order for us to become dominant again we need to be strong up the middle again from Goalkeeper to CB to DM to ACM to striker, like we did in our most glorious years before and during Wenger's reign... with this in mind, if we want Ozil to be that dominant attacking midfielder we can't keep leaving him exposed to constant ridicule about his lack of defensive prowess and provide him with the proper players in the final third... he was never a good defensive player in Real or with the German National squad and they certainly didn't suffer as a result of his presence on the pitch... as for the rest of the midfield the blame falls squarely in the hands of Wenger and Gazidis, the fact that Ramsey, Ox, Sanchez and even Ozil were allowed to regularly start when none of the aforementioned had more than a year left under contract is criminal for a club of this size and financial might... the fact that we could find money for Walcott and Xhaka, who weren't even guaranteed starters, means that our whole business model needs a complete overhaul... for me it's time to get rid of some serious deadweight, even if it means selling them below what you believe their market value is just to simply right this ship and change the stagnant culture that currently exists... this means saying goodbye to Wiltshire, Elneny, Carzola, Walcott and Ramsey... everyone, minus Elneny, have spent just as much time on the training table as on the field of play, which would be manageable if they weren't so inconsistent from a performance standpoint (excluding Carzola, who is like the recent version of Rosicky — too bad, both will be deeply missed)... in their places we need to bring in some proven performers with no history of injuries... up front, although I do like the possibilities that a player like Lacazette presents, the fact that we had to wait so many years to acquire some true quality at the striker position falls once again squarely at the feet of Wenger... this issue highlights the ultimate scam being perpetrated by this club since the arrival of Kroenke: pretend your a small market club when it comes to making purchases but milk your fans like a big market club when it comes to ticket prices and merchandising... I believe the reason why Wenger hasn't pursued someone of Henry's quality, minus a fairly inexpensive RVP, was that he knew that they would demand players of a similar ilk to be brought on board and that wasn't possible when the business model was that of a «selling» club... does it really make sense that we could only make a cheeky bid for Suarez, or that we couldn't get Higuain over the line when he was being offered up for half the price he eventually went to Juve for, or that we've only paid any interest to strikers who were clearly not going to press their current teams to let them go to Arsenal like Benzema or Cavani... just part of the facade that finally came crashing down when Sanchez finally called their bluff... the fact remains that no one wants to win more than Sanchez, including Wenger, and although I don't agree with everything that he has done off the field, I would much rather have Alexis front and center than a manager who has clearly bought into the Kroenke model in large part due to the fact that his enormous ego suggests that only he could accomplish great things without breaking the bank... unfortunately that isn't possible anymore as the game has changed quite dramatically in the last 15 years, which has left a largely complacent and complicit Wenger on the outside looking in... so don't blame those players who demanded more and were left wanting... don't blame those fans who have tried desperately to raise awareness for several years when cracks began to appear... place the blame at the feet of those who were well aware all along of the potential pitfalls of just such a plan but continued to follow it even when it was no longer a financial necessity, like it ever really was...

We see these guarantees as the culmination of unprecedented investment in schools over recent years.»

That will help guarantee America's position as the world center of capital and investment for years to come.

Say one can guarantee a return on investment of 40 % a year, then a business could offer their product or service for free.

A two - year guarantee gives you the peace of mind to make this affordable investment, so you can start drying your favorite snacks today!

One of the soundest investment decisions you can make is paying these cards off — I can't think of another investment that can make you a guaranteed 15 % to 29 % per year.

At ABC Desks our furniture lasts at least twice as long as any other on the market, so they are a sensible investment with a full seven year guarantee.

Minimum training investment is guaranteed by law, but for years eLearning could not be allocated to this mandatory budget.

The Chancellor has failed to reverse the real terms education cuts; failed to provide new money to fully fund all areas of education; failed to level - up funding to address historic underfunding; and failed to guarantee the investment needed for future years.

• I like to be in control • I like to keep as much of my profit as possible • I am prepared to make upfront investments without guarantee of success • I am prepared to commit 20 hours per week, every week for 2 years working on my book

CIBC offers RESP Guaranteed Investment Certificates (GICs) in terms ranging from 1 to 5 years.

The first $ 2,500 you contribute each year gets a 20 % matching contribution from the federal government * — a guaranteed return on your investment.

If this money really is for a down payment you'll need in five years or so, most of it should go into a high interest savings account, a guaranteed investment certificate or perhaps a fixed income exchange traded fund.

Whole life policy returns are conservative and based upon the insurance company's pool of extremely conservative investments and thus are guaranteed at rates which have been relatively consistent over the last 200 years.

ETFs aren't guaranteed investments and they aren't protected by insurance like savings accounts and CDs are, so if your ETF has a few bad few months — or even a bad few years — you could lose money.

Try a laddered GIC portfolio The Minellis should adopt a five - year laddered guaranteed investment certificate (GIC) portfolio.

There were two possibilities for investment, the one I took up had a limited investment amount but a guarantee of your capital back after 5 years if the share price had not risen in that time.

Your advisor suggests a PPN like this one from Bank of Montreal, which guarantees your investment for six years and adds some possible upside based on the performance of the S&P / TSX 60 Index of large - cap Canadian stocks.

Here, your investment is guaranteed to yield profits as the signals provided here have been giving traders a good income day after day for years now.

The CIBC LIF GIC allows you to safely lock in your investment for 6 months to 5 years, with guaranteed principal and interest.

EE savings bonds are paying a meager.10 %, however if you hold EE bonds for 20 years you are guaranteed to double you investment and you will earn 3 % if held for 20 years.

The CIBC RRIF GIC allows you to safely lock in your investment for 6 months to 5 years, with guaranteed principal and interest.

Annuity investments have the unique trait of letting you convert their value into a stream of guaranteed income to run over a period of years or the rest of your life.

The GIC Bonus Rate Offer is available for 1 - year Non-Redeemable and 1 - year Redeemable Guaranteed Investment Certificates that are issued in respect of deposits made in Canadian dollars for an amount between $ 1,000 CAD and $ 500,000 CAD; not held in any registered plan, such as Registered Retirement Savings Plan, RRIF or Tax Free Savings Account, and issued to one or more individuals who qualify for the HSBC RBWM Newcomers Program under s. 2 within 6 months of the opening of any sole or joint Eligible Account held or closed by such persons.

Yes, they have a par value, which is good, but take Meridian Credit Union's frequent investment share issues... they commit to a dividend rate for a period of 5 years but the dividends are still not guaranteed and you can't sell your shares for 5 years.

Guaranteed minimum withdrawal benefits (GMWBs) guarantee the ability to withdraw a certain percentage of your initial investment for a set number of years or for the rest of your life.

'' specifically on his famous «guarantee» that he could make 50 % per year investing small sums — a result that he in fact achieved for a number of years by using an investment strategy that I think is mostly misunderstood by most investors.»

For conservative investors, the highest yielding Guaranteed Investment Certificate (GICs) are only yielding 2.10 per cent for a one - year GIC and 2.50 per cent for a five - year GIC currently.

I have a few more comments on a similar topic that I'll post next week on Buffett, and specifically on his famous «guarantee» that he could make 50 % per year investing small sums — a result that he in fact achieved for a number of years by using an investment strategy that I think is mostly misunderstood by most investors.

Principal Protected Notes (PPN) are a product offered by banks and insurance companies that allow you to participate (to an extent) in the risky stock markets while your initial investment is guaranteed to be repaid in (say) five or ten years.

Otar says it can make sense to buy into one of these products five years early to take advantage of the bonuses, but if you're more than five years away from retirement, you'll probably do better by passing up the guaranteed product for now and sticking to a standard balanced investment portfolio.

Banks and trust companies offer Guaranteed Investment Certificates in terms ranging from 30 days to five years.

Advisors lure their victims in with promises of higher or guaranteed returns (or sign - up bonuses which typically take years to obtain, a detail they may forget to highlight), and in return retirees roll their money into investments that may cost more than their current investments.

Guaranteed Investment Certificates (GICs) and other term deposits with original terms to maturity of five years or less

Mr. Salem periodically asks trustees and investment officers of these charities to imagine they can swap all their assets in exchange for a contract that guarantees them a risk - free return for the next 50 years, while also satisfying their current spending needs.

From what I am told: My initial investment will attract a 5 % bonus in the GWB each year I do nt touch it until I am 65 when I can begin withdrawing 5 % a year from GWB — so for simple math... an initial $ 100K left in for 15 years will have a GWB of $ 105K after year1, $ 110K after year 2, $ 115k after year 3 etc with an ultimate GWB of $ 175K after 15 year — I then can withdraw a guaranteed income for the rest of my life.

Guaranteed Investment Certificate (GIC): an investment sold by a financial institution that pays a fixed rate of interest for a set period, usually one to fInvestment Certificate (GIC): an investment sold by a financial institution that pays a fixed rate of interest for a set period, usually one to finvestment sold by a financial institution that pays a fixed rate of interest for a set period, usually one to five years.

Annuity: An investment, purchased with a lump sum, that guarantees to pay a set income for either an agreed number of years, or for life.