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[职业] Starting a business In Canada

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 楼主| 发表于 10/5/2020 01:17:00 | 显示全部楼层
Should You Invest in Real Estate or Stocks?Both offer advantages and come with risks




BY JOSHUA KENNON












Updated April 14, 2020

When deciding whether to invest in real estate or stock, there isn't a simple answer. Identifying the better choice depends on your personality, lifestyle preferences, comfort with risk, and more.







It also depends on timing. Very few stocks would have beat buying beachfront property in California in the 1970s using a lot of debt, then cashing in 20 years later. Virtually no real estate could have beat the returns you earned if you invested in shares of Microsoft, Apple, Amazon, or Walmart early on in the companies' histories, especially if you reinvested your dividends.







Timing is impossible to predict when making investment choices. But understanding each type of investment is key to choosing the best strategy to help your money grow and create financial security.







Real Estate vs. Stocks
When you buy shares of stock, you are buying a piece of a company. If a company has 1,000,000 shares outstanding and you own 10,000 shares, you own 1% of the company.



As the value of the company's shares grows, the value of your stock also grows. The company’s board of directors, who are elected by stockholders just like you to watch over the management, decides how much of the profit gets reinvested in expansion each year and how much gets paid out as cash dividends.1 2







It's easy for stock to become over- or under-valued. Before investing, study the company as a whole, including how much of their profit is paid out as dividends. If a company is paying more than 60% of profits as dividends, they may not have enough cash flow to cover unexpected changes in the market.



When you invest in real estate, you are buying physical land or property. Some real estate costs you money every month you hold it, such as a vacant parcel of land that you pay taxes and maintenance on while waiting to sell to a developer.







Some real estate is cash-generating, such as an apartment building, rental houses, or strip mall where you pay expenses, tenants pay rent, and you keep the difference as profit.







There are benefits and drawbacks to each type of investment.







Pros and Cons of Investing in Real Estate
Is real estate the right investment for you? Understanding the pros and cons will help you decide.

Pros of Investing in Real Estate
  • Comfort. Real estate is often a more comfortable investment for the lower and middle classes because they grew up exposed to it (just as the upper classes often learned about stocks, bonds, and other securities during their childhood and teenage years). It’s likely most people heard their parents talking about the importance of “owning a home.” The result is that they are more open to buying land than many other investments.
  • Cash flow. Rent from real estate can provide steady, reliable cash flow on a month-to-month basis. Many investments only improve your cash flow in the long-term or when you sell them.
  • Limiting fraud. It’s more difficult to be defrauded in real estate because you can physically show up, inspect your property, run a background check on the tenants, make sure that the building is actually there before you buy it, and do repairs yourself. With stocks, you have to trust the management and the auditors.
  • Using debt. Using leverage (debt) in real estate can be structured far more safely than using debt to buy stocks by trading on margin.
  • Safety. Real estate investments have traditionally been a terrific inflation hedge to protect against a loss in the purchasing power of the dollar.

Cons of Investing in Real Estate
  • Time and effort. Compared to stocks, real estate takes a lot of hands-on work. You have to deal with the midnight phone calls about exploding sewage in a bathroom, gas leaks, the possibility of getting sued for a bad plank on the porch, and more. Even if you hire a property manager to take care of your real estate investments, managing your investment will still require occasional meetings and oversight.
  • Continued costs. Real estate can cost you money every month if the property is unoccupied. You still have to pay taxes, maintenance, utilities, insurance, and more. If you find yourself with a higher-than-usual vacancy rate due to factors beyond your control, you could actually end up losing money every month.
  • Value. With a few exceptions, the actual value of real estate hardly ever increases in inflation-adjusted terms.

Even if the actual value doesn't increase, though, you benefit from the power of leverage. That is, imagine you buy a $300,000 property, putting down $60,000 of your own money. If inflation goes up 3%, then the house would go up to $309,000 in value. Your actual “value” of the house hasn’t changed, just the number of dollars it takes to buy it. Because you only invested $60,000, however, that represents a return of $9,000 on $60,000: a 15% return. Factoring out the 3% inflation, that’s 12% in real gains before the costs of owning the property. That is what makes real estate so attractive.

Pros and Cons of Investing in Stocks
Like real estate, investing in the stock market comes with both advantages and drawbacks.

Pros of Investing in Stocks
  • Longevity. More than 100 years of research have proven that despite all of the crashes, buying stocks, reinvesting the dividends, and holding them for long periods of time has been the greatest wealth creator in history.3 Nothing, in terms of other asset classes, beats business ownership—and when you buy a stock, you are buying a piece of a business.
  • Minimal work. Unlike running a small business, owning part of a business through shares of stock doesn’t require any work on your part (other than researching each company to determine if it is a sound investment). You benefit from the company’s results but don’t have to show up to work.
  • Dividends. High-quality stocks not only increase their profits year after year, but they increase their cash dividends as well. This means that you will receive bigger checks in the mail as the company’s earnings grow. And if you hold onto your stocks long-term and reinvest your dividends, after a few decades your wealth will have grown significantly.
  • Access. You don't need to have huge sums of available cash to begin investing in the stock market. With some mutual funds or individual stocks, you can invest as little as $100 per month.4 There are also a variety of microsaving apps that allow you to begin investing for less than $25.5 6 Real estate requires substantially more money in your initial investment, as well as the cost of maintenance and improvements.
  • Liquidity. Stocks are far more liquid than real estate investments.7 During regular market hours, you can sell your entire position, many times, in a matter of seconds. You may have to list real estate for days, weeks, months, or in extreme cases, years before finding a buyer.
  • Borrowing. Borrowing against your stocks is much easier than real estate. If your broker has approved you for margin borrowing (usually, it just requires you to fill out a form), it’s as easy as writing a check against your account. If the money isn’t in there, a debt is created against your stocks and you pay interest on it, which is typically fairly low.8

Cons of Investing in Stocks
  • Emotional investing. Though stocks have been proven conclusively to generate wealth over the long run, many investors are too emotional and undisciplined to benefit fully. They end up losing money because of psychological factors. During the credit crisis of 2007-2009, well-known financial advisors were telling people to sell their stocks after the market had tanked 50%, at the very moment they should have been buying.9
  • Short-term volatility. The price of stocks can experience extreme fluctuations in the short-term. Your $40 stock may go to $10 or to $80. If you know why you own shares of a particular company, this shouldn’t bother you in the slightest. You can use the opportunity to buy more shares if you think they are too cheap or sell shares if you think they are too expensive. And if you hold onto well-valued stocks over the long-term, these highs and lows are often smoothed out. But if you are hoping to make money quickly, the volatility in stock value can work against you.
  • Stagnation. If you invest in companies that don't have much room for innovation or growth, then your stocks may not look like they’ve gone anywhere for 10 years or more during sideways markets.

However, this is often an illusion because charts don’t factor in the single most important long-term driver of value for investors: reinvested dividends.10 If you use the cash a company sends you for owning its stock to buy more shares, over time, you should own far more shares, which entitles you to even more cash dividends over time.

Pros
  • Over 100 years of stock market returns history shows them to be a consistently good wealth creator.
  • You can own part of a business (through stock shares) without having to do any work.
  • If you own shares in a company that pays dividends, your share price and your dividend amount may both grow over time.
  • You can diversify much easier with stocks than with real estate, especially with mutual funds.
  • Stock investments are very liquid so your money's not locked up for weeks or months.
  • You can borrow against the value of your stocks more easily than with real estate.


Cons
  • Successful stock investing requires an unemotional approach, which is difficult for the majority of investors.
  • Stock prices can fluctuate very much in the short run, which can leave inexperienced investors worried.
  • Dividend-paying stocks may look like they haven't grown in value at all during sideways market conditions.




Choosing Between Stocks vs. Real Estate
Both real estate and stocks can provide long-term financial gain, and both come with risks. When choosing the right investment strategy for you, the best way to hedge against that risk while taking advantage of the potential gains is to diversify as much as you are able.



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 楼主| 发表于 10/5/2020 23:23:58 | 显示全部楼层
Immigrant entrepreneurs
How to immigrate to Canada as an international investor or to start a business.
Follow:



Services and informationPermanent residency for immigrant investors
Eligibility and answers about the Immigrant Investor Venture Capital Pilot Program.

Immigrating to Canada to start a business
Requirements for immigrants who want to build a business in Canada via the Start-up Visa program.

Immigrating to Canada as a self-employed person
Opportunities for self-employed immigrants to contribute to the cultural or athletic life of Canada.

Frequently asked questions about business immigration
Answers to your questions about coming to Canada to start a business.

Expanding your business into Canada
Establishing or expanding a foreign business in Canada.


Contributors

What we are doingPublicationsStatistics

 楼主| 发表于 10/6/2020 00:10:23 | 显示全部楼层
A Journey to Value Creation
With deep roots originating in US, Canada, Western & Eastern Europe, China, South Korea, Taiwan, Thailand, India and Singapore we’ve evolved into a private equity and venture capital enterprise that continues to honor its heritage of grass roots innovation, sustainability and technology.

We believe the spirit under which innovation forms is a vital part of its growth, and we offer a diverse range of skills and experience to take innovation in hand and turn it into transformative companies which make a significant impact.

Across different geographic areas we continue to identity pockets of untapped opportunities with entrepreneurs who are ready to take a global step, and leverage leading technology to provide a platform that opens global markets to local investors and empowers local causes.
 楼主| 发表于 10/6/2020 00:14:49 | 显示全部楼层





Healthcare
Health continues to evade many even as technology grows exponentially. Ensuring healthy lives and promoting the well-being for all is essential to a sustainable society and economy, increasing life expectancy, and reducing some of the common killers associated with child and maternal mortality.
However many more efforts are needed to address different persistent and emerging health issues.



Our Philosophy and Focus
We believe healthcare technology and development of scalable systems will positively contribute to this effort.

















Education
Obtaining a quality education is the foundation to improving people’s lives. Although major progress has been made towards increasing access to education at all levels and increasing enrollment rates in schools particularly for women and girls, there is still much more needed to ensure inclusive and equitable quality education and promote lifelong learning opportunities for all.



Our Philosophy and Focus
We believe achieving universal education goals starts with access to high quality education for every child no matter where they reside, and we are active in developing opportunities which expand such access.

















Infrastructure
Investments in infrastructure – transport, irrigation, energy and information and communication technology – are crucial to empowering communities in many countries.
Sustainable industrial development is the primary source of income generation, yet requires investment to drive rapid and sustained increases in living standards for all people.



Our Philosophy and Focus
We believe strengthening and modernizing the right high quality infrastructure businesses can help build resilient infrastructure, promote inclusive and sustainable industrialization and foster innovation and accelerate societal and economic growth.

















Energy
We are approaching the boundaries of Earth’s carrying capacity for human consumption and an inflection point is here, with affordable and clean energy emerging as a fundamental human necessity. Access to affordable, reliable, sustainable and modern energy for all is essential.



Our Philosophy and Focus
We believe investing in clean energy and energy efficiency in processes will drive new circular economies.

















Finance
All men and women, in particular the vulnerable, have equal rights to economic resources, access to basic services, ownership and control over land and other forms of property, inheritance, natural resources, appropriate new technology and financial services, including micro-finance.
Significant mobilization of resources from a variety of sources, including through enhanced development cooperation, is needed in order to provide adequate and predictable means for developing countries to implement programs and policies to end poverty in all its dimensions.



Our Philosophy and Focus
We believe we can help create platforms expanding availability and access to financial services which supports and promotes savings, wealth creation, and good stewardship among financial professionals.

















Manufacturing and Distribution
Ensuring sustainable consumption and production patterns in industrial environments such as petrochemicals, raw materials, processing, storage, transportation, and manufacturing, in turn fosters sustainable business practices and consumer behavior, together with adherence to international norms on the management of hazardous chemicals and wastes.



Our Philosophy and Focus
We believe significant progress can be made by focusing on the sustainable supply chain management from production through distribution.

















Technology
Technological progress is the foundation of efforts to achieve sustainable objectives. Without technology and innovation, industrialization will not happen, preventing development from occurring.



Our Philosophy and Focus
We believe Technology can be transformative to all goals. Our focus is on re-inventing how people leverage technology to address global-scale challenges.






 楼主| 发表于 10/6/2020 00:24:00 | 显示全部楼层
Investment Criteria
We apply rigorous research, due diligence and multi-sector global partnerships to identify high quality companies & opportunities, and implement their untapped value within predictable outcomes.
















Innovative and Sustainable
Identify Portfolio companies with potential to unlock financial value through Innovation, while generating positive societal, environmental, and economic impact.










Globally Scalable
We manage a balanced portfolio of businesses that scales across geographies and industries, withstanding geography and sector downturn.
















Potential to Disrupt and/or Bend the Yield Curve
We seek possibilities to transform and scale the business in order to stand out in the industry and dramatically increase sales and revenue.








Recognizable Identity and IP
We identify businesses with strong management teams & track records, scalability and risk-adjusted potential. We then support their full potential leveraging our investors, process, expert skills and resources.



















Investment Philosophy
We believe there are opportunities where innovation, sustainability, and value creation intersect.

While adhering to the discipline and approach of institutional investing, we recognize and support the growing need to achieve investment goals which incorporate positive societal, environmental, and economic impact.












Innovation Platform Capital supports the SDGs
The United Nations 2030 Agenda has put forth 17 Sustainable Development Goals “SDGs” which are urgently needed to shift the world onto a sustainable and resilient path.
These Goals will stimulate action over the next 15 years in areas of critical importance for humanity, profoundly improving all lives and transforming our world for the better.
Global leaders have committed to mobilize the means required to implement the Agenda through a revitalised Global Partnership for Sustainable Development, with strengthened global collaboration across all countries, across diverse stakeholders, and public,  governmental, and private sectors.






 楼主| 发表于 10/6/2020 00:33:22 | 显示全部楼层
本帖最后由 郭国汀 于 10/6/2020 02:01 编辑

Turning your idea into a successful business


There's no doubt that successful businesses start with brilliant ideas. After all, in today's fiercely competitive environment, innovation is the ammunition entrepreneurs need to stand out in the crowd.
Many newcomers to the business world may assume that starting a new business is necessarily linked to an invention. And although this may play an important part in some pioneering companies, most business concepts are in fact all about tweaking existing ideas—or finding new ways to do old things.
For example, a company selling a Web-based customer service monitoring tool is simply improving on the long-accepted premise that successful businesses have to keep an eye on their customers' needs.

However, finding the right niche, based on what you do best and the potential market situation, demands both careful planning and research. Even the best products may not necessarily find buyers because markets change and customers are fickle.
There are no clear recipes for starting a new business, but here are a few guidelines that can help you get going in the right direction.
Look for windows of opportunity
Astute observation is your best ally when looking for unique ideas. Start by assessing exactly what you do well. It's a much safer bet to venture into familiar territory where you can use your existing strengths. For example, if you work in the pharmaceutical industry then you could branch out into health care.
Here are some helpful hints:
  • Do what you're passionate about. Enthusiasm ignites the interest of lenders. Choose ideas that enable you to act now. You need to move swiftly before your idea fizzles.
  • Be specific about your business goals. For example, you want to reach this specific market with a specific product.
  • Look around you for windows of opportunity such as taking over a family business.
  • Start a business doing something that your existing company isn't doing.
  • Keep your eye on the franchise market.
  • Read business publications and stay informed of growth areas. For example, the rapidly changing health sector, fueled by the explosion of biotechnology, provides endless business opportunities.
Find your market niche
The potential success of a product or service involves a myriad of factors, including the design, features, potential profit margin and sales volume projections.
Apart from patenting inventions, you can assess these possibilities for product development.
  • New product lines that are absolutely new to the market and enable you to create your own niche, revolutionize or create markets.
  • Product revisions/replacements that enable you to build on your existing product line.
  • Repositioned products, that uncover new applications for your products or new customers for current products.
  • Products that copy those produced by others, but where there is a market for many competing versions.
Use the following quick checklist when defining your market niche.
  • What are the needs of your prospective customers? Ask yourself: How will your business meet those needs? Identify unmet needs.
  • What are your customer's desires? A market need could also be a deficiency, for example, a product that lacks post-sales service.
  • What problems does your product or service solve? Does it make your customer's life simpler?
It’s important to define your ideal customers clearly.
  • Who exactly are my target customers?
  • Why do my customers buy?
  • How do my customers define value?
  • What makes my product or service superior to that of my competitors?
  • Why do my prospective customers buy from my competitors?
  • How can I offset that perception and get my competitors’ customers to buy from me?
Present your idea with a strong business plan
Take your creative thinking and put it on paper. A business plan is your tool to sell your idea to lenders, investors and existing shareholders. Lack of clarity, poor information, and the absence of a strategic orientation are the main deficiencies in most business plans.
Make sure you allow time to put a plan together with all the appropriate details, such as positioning, market analysis and financials. Projects developed with the help of an expert in the target market get the best reception.
Get yourself a mentor
Getting a business off the ground is not an easy task. Many projects never amount to much because they are not taken seriously, or because they lack adequate follow-up or support.
You will increase your chances of success considerably by seeking advice from someone with business experience, often called a mentor. These business leaders provide management advice, suggest sources of financing, and frequently offer their young protégés internship opportunities to hone leadership qualities in the field.
Futurpreneur Canada and many chambers of commerce have mentoring programs designed to facilitate contacts between business leaders and budding entrepreneurs. Local economic development centres and some business leaders' associations offer similar programs.


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