Canadians: best guaranteed rate of return investment available?
 

the highest guaranteed return (minimum amount of cash required is not an issue)... can you give me a qualifying, verifiable link?

whoever can give me a no bullshit web link to the very highest guaranteed return on capital available in Canada - i'll send 50 bucks via paypal. make sure you can accept paypal from a creditcard-funded account first. a little experiment of mine. it's all about numbers, whoever can find the highest verifiable for all to see.

i'll let this thread run for 2 days and see where it ends up...

cheers :glugglug

Craps table. 888.com if you want to play online.

http://www.analqueens.net/gfy/money.jpg
http://www.failed.ca/100.jpg

http://www.gtarealtor.ca/bestroineighbourhoods.htm

There is nothing better than real estate...

Grow Op :2 cents:

Hey Quiet there's something I wanted to talk to you about. How can I get ahold of you? Email? ICQ? (mine's 97374780)

I'd love to see some serious posts as well, got some cash I'd love to lay away. Preference to invest in USD but must be available for Canadians to invest.

WG

Try google answers, there are dedicated researchers. :2 cents:

answers.google.com

Hook up with a good mortgage broker. You can get up to 14% by lending money as a second mortgage, secured by the property. A lot of people are taking the equity out of their homes these days to pay off credit cards etc.

You can set this up via a self-directed RRSP as well.

Talk to a good lawyer and accountant :)

exactly.

or stock broker or financial advisor





























and get fucked out of money

Pick yourself up a weekend Globe and Mail. They list the highest rates in the country for GIC's every week.

Peoples Trust has the highest 30 day(2.35%/$5,000; 2.45%/$50,000) and 1 year rates(3.1%/$5,000)

Achieva Financial has the highest 5 year rates(4.55%/$1,000)

GIC's are a money loser outside of an RRSP or RIFF though; there was a paper that came out of York U last March about it. You can check it out here The Erosion Effects of Income Taxes and Inflation on GIC Investment Returns


Keep the $50 if these are the highest rates anyone finds.

Note the "good" :thumbsup

why go for guaranteed and get shit rates? i wouldn't even recommend that for retired people.

get a diversified portfolio to minimize risks and take home a higher return. get a good financial planner who deals with high net worth clients or go with hedge funds

what the fuck would they know about investing?

http://money.howstuffworks.com/bank8.htm

IF you want to make bank :1orglaugh

If you want to talk seriously, I'd be glad to give you the ins and outs of real estate/rental properties and where some hot zones are. Investment isn't too low, but still great ROI if you hit the right location. I've got 5 rental properties split into triplexes now, so total of 15 rental checks each month - all properties are next to one another, on a street about 3 minute walk from 2 universities, and 10 minutes from the hospital. Hospital staff is about 50% of the rental, the rest is students.

Location is key if you're looking for sort of long-term investment. If you're looking for short term, get into real estate for development (un developped land, turn it around and flip it for profit).

where are your properties located?

Halifax. I'm looking at purchasing the other 4 houses on the street now, and also looking into another University city in the Atlantic's.

this thread was started with one thing in mind. guaranteed % return. so far nothing.

lol, i was thinking immediately of the halifax area, went to smu. real estate is so cheap there compared to toronto

You want guaranteed return? Lock your money in on a GIC/Bond. With great risk comes great reward - get into real estate.

the bank is your answer, most everything else will either require work on your end and if it doesnt and the % is anything to talk about its very risky

Anyone who says real estate requires no work is a total idiot

Yeah, the town houses are incredibly cheap - but they need work to turn them into rental's - unless you rent out the whole house to a frat...which I'm sure would be a lot more of a hassle then my current model

Quiet is there any way someone (myself) can contact you off this board? I'd like to ask you something but don't want to post it publically.

These are for Canadian Dollar investments right?
WG

You can make real estate very *low* work, but not *no work*. If you know people, and can trust them, you can easily have someone manage the property for you and you just sign the checks at the end of the month.

no doubt eb. but i'm still on the lookout for something slightly better (not much), but still containing a fixed rate of return.

and i already have loads of money in real estate. i enjoy real estate. i'm not talking about real estate in this thread.

Canadian Premium Bonds Year 3 - 3.20%

5-Yr Non-Redeemable GIC's - 3.56%

if you want better you'll be taking on risk.

You might also want to browse the links off the official Canadian CDIC list.

http://www.cdic.ca/?id=5

:thumbsup

can do better than that with other basic gics...

Have you had a look at Investor Group

RBC (Royal Bank of Canada) has a 10 year non-redemable GIC at 3.90 % right now.

Chat boards. Partner up with a fellow pot head for bonus bucks.

If you become a private lender with a mortgage broker, you do get a guaranteed rate of return, in the ballpark of 14%. You set the terms & decide which loans you want to approve & which you don't. Never lend more than 75% of the equity of the home & the risk is minimal.

Well you have to consider the institution behind it also.

Don't you have a financial advisor? With the size of your load, I'd recommend getting one on a full time basis.

I'm looking for some investment money for a 2nd mortgage on a commerical/residential rental property we are looking at buying. We're looking for 150k Canadian investment.

I'm offering 10-11% interest on this money plus the risk is low since you will have registered chattel on the property.

I don't know if this is of any interest to you but it's a pretty rate in comparison to what the banks want to offer.

DH

this is a cool deal

For something secure, talk to your financial advisor about debentures: secure, fixed % but your money has to be locked in for a number of years. The higher the years, the higher the %.

Hydro Quebec had some a while ago that were paying 8%
But you money was locked up to 2015.

Its up to you mate...

Definition for those who wanna know a little more:

Companies can issue a series of debentures or debenture stock which essentially means secured loan stock. The document or instrument creates indebtedness owing by the company to the holder, usually carrying interest and maturing on a particular date when the principal amount is repaid. Debentures tend to be secured by a floating charge and/or a collection of fixed charges over the company's assets.

Not no risk but my accountant highly recommended GIC w/ stock options. She said she's averaged 20% over the years.

is she hot?

of course i have a financial advisor. has nothing to do with this thread though.

dh - sounds interesting... :)

Some solid old money private wealth management firms that handle international clientle.

Bessemer Trust (Phipps Family)

http://www.bessemer.com/


Wilimington Trust (DuPont Family)

http://www.wilmingtontrust.com


Rockefeller & Co. (Rockefeller Family)

http://www.rockco.com


JP Morgan Private Banking Group

http://www.jpmorgan.com/pages/jpmorgan/privatebank

I have a project in Costa Rica that includes an operating and established hotel, casino, bar, restaurant and titled beach front (private beach).

130% return on investment over 5 years via 26% dividends per year. At the end of 5 years you can convert your shares to common stock, sell them at fair market value or covert them to debt financing buyout. Deal secured by land and other hard assets.

If absolutely no growth was shown, the ROI over 5 years would be 230%.

It's very simple ...

Join, or sit in on a meeting at your local real estate investors club. Tell them that you have to money to invest. You will easily find people there willing to give you anywhere from 10-35% return on your money. Best of all, it will be backed by real estate. I have a friend that became a multi-millionaire many times over just having local realestate investors use his $$$. No work involved, except for signing a few docs .. ;)

Don't overlook the power of the advise I am giving you!

The best part is once they pay you back, you will have formed a relationship, and they will want (read: beg you) to repeate the process .. simply lend it out again..

how long you usally wait for pay back?

FYI, the best rates are never posted; whats posted is for your average joe investor. When I was working at Nesbitt we could get our clients 50-100 basis points more then the posted rates on GIC's and B.A's. Same thing goes for mortgages. We partnered up with a real estate finance company outside the bank who would beat any quote for one of our clients if we aked them too.

You've got lots of coin I gather so just ask your banker/advisor what they can do for you. They should be able to beat anything available to the general public if they know what their doing and consider you a 'valuable' client.