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[ad_1] .best-etfs-2020{margin-bottom:1em;max-width:100%}@media (max-width:991px){a.flex-item{width:93%}}@media (min-width:992px){.best-etfs-2020-links{display:flex;flex-direction:row;flex-wrap:nowrap;justify-content:space-between;align-content:space-around;align-items:flex-start}}a.flex-item{display:inline-block;font-size:.8em;background-color:#e5eff6;color:#102f32;font-weight:700;text-decoration:none!important;margin:.5em;padding:.5em;border-radius:4px;border:solid 1px #235e63;max-width:400px}a.flex-item:hover{color:#e5eff6;background-color:#102f32}h2.termNameTitle{display:none}li#text-76{overflow:hidden}div.widgets_on_page ul{padding:0!important} @media (max-width:991px) { a.flex-item { width: 93% } } @media (min-width:992px) { .best-etfs-2020-links { display: flex; flex-direction: row; flex-wrap: nowrap; justify-content: space-between; align-content: space-around; align-items: flex-start } } a.flex-item { display: inline-block; font-size: .8em; background-color: #e5eff6; color: #102f32; font-weight: 700; text-decoration: none !important; margin: .5em; padding: .5em; border-radius: 4px; border: solid 1px #235e63; max-width: 400px } a.flex-item:hover { color: #e5eff6; background-color: #102f32 } h2.termNameTitle { display: none } li#text-76 { overflow: hidden } div.widgets_on_page ul { padding: 0 !important } Overview Canadian U.S. International Fixed-Income All-in-One Desert-Island Picks Those looking for a feisty debate among our panellists will not find it in the Canadian equity category. As has been the case for a while, all the Canadian funds on last year’s list have returned in the 2022 edition. There wasn’t much discussion about adding new funds to the list, but it’s worth pointing out that panellists Ben Felix, Cameron Passmore and Robb Engen voted not to include HXT and ZLB (full ETF names can be found in the chart below) because, as Engen says, “It’s a preference for broader diversification. HXT tracks the TSX 60 rather than an all-cap index, while ZLB has only 40-ish holdings.” VCN, XIC and ZCN were Felix’s preferred picks, all of which, he says, “are effectively interchangeable for exposure to the Canadian market. They are all low-cost, low-turnover and tax-efficient.” While Canadian ETF investors will likely own at least one of these funds, if there’s any year for owning Canadian equities, it’s 2022, says panellist Yves Rebetez. “All of these funds are great considerations for long-term buy-and-hold investors; however, in a world of rising oil prices and a disquieting inflation backdrop, this could actually turn out to be the year when a bias toward energy, financials and low-vol funds could serve investors well,” he says. “Most broadly diversified funds and ETFs are great for longer term, yes. There are many which are interchangeable, if you will.” If investors want to think outside of this list, so to speak, they could consider the iShares Canadian Value Index ETF (XCV), which, as its name suggests, is focused on domestic value stocks. While value and growth funds are not included in this ETF roundup, Felix points out that, at least anecdotally, value stocks tend to do better than growth stocks in times of high inflation and rising uncertainty. Indeed, XCV has outperformed the iShares Canadian Growth Index ETF (XCG) significantly this year, with the former up by 6.3% year-to-date and the latter down by about 12.2% at the time of writing. While these are the key Canadian equity ETFs, domestic stocks are also represented in the all-in-one asset allocation ETFs section, so make sure you’re aware of any duplication of securities. Best Canadian ETFs for 2022 To view all the data in this chart, use your mouse or two fingers to slide the columns right or left. To download the list to your device, tap or click your preferred format (Excel, CSV or PDF) below. wdt_ID CANADIAN EQUITIES Ticker Management Fee MER # of Holdings Description 1 Vanguard FTSE Canada All Cap Index ETF VCN 0.05% 0.05% 181 Exposure to Canadian small-, medium- and large-cap firms; ultra-low fee 2 iShares Core S&P/TSX Capped Composite Index ETF XIC 0.05% 0.06% 239 Tracks Canada’s best-known index with a very low fee 3 Horizons S&P/TSX 60 ETF HXT 0.07% 0.04% 60 Tax-efficient; rock-bottom 0.04% fee after rebate, until at least Dec. 31, 2022 4 BMO S&P/TSX Capped Composite Index ETF ZCN 0.05% 0.06% 240 Fee as low as VCN and XIC; more assets than VCN 5 BMO Low Volatility Canadian Equity ETF ZLB 0.35% 0.39% 47 Invests in low-beta Canadian stocks that have lower volatility than the market table.wpDataTable td.numdata { text-align: right !important; } Watch: MoneySense – BMO ETFs  – What are ETFs   The post Best Canadian ETFs for 2022 appeared first on MoneySense. [ad_2] Source link

[ad_1] The post How to Live on $1,000 a Month appeared first on Millennial Money. I know what you’re going through, trying to survive on $1,000 per month. Just a few years ago, I was in the same rut.  There’s no getting around it: Having weak cash flow isn’t anyone’s idea of fun. When money’s not rolling in, you have to turn down invites to the bar and you’ve got to settle for store-brand crackers because you can’t afford Ritz. That said, there’s no shame in being cash-poor. Many people experience poverty while on the quest for financial independence. Some even consider it a right of passage. In this post, I’ll show you what it takes to live on $1,000 per month and why it’s a nearly impossible task. Then I’ll offer some practical ways to help you get out of your financial hole and settle in greener pastures.  How to Live on $1,000 per month 1. Get your personal finances straight If you’re trying to live on a grand per month, the first thing you need to do is accept that you’re in a difficult personal financial situation and that you’re responsible for getting out of it.  Once you’ve acknowledged that, it’s time to rein in your spending and stop wasting money on frivolous things.  Chances are you’ll have to make some big changes to your lifestyle. You need to accept that and get ready to fix the situation. 2.  Rethink your living situation  Target monthly housing budget: $0-300   If you’re trying to live on a $1,000-a-month budget, all of it can’t go to housing.  Unfortunately, the national average fair market rent for a one-bedroom apartment or home is $1,017 per month. So even if you cut your budget in half to account for housing, you’ll still fall way short. Here are some ways to bridge this gap. Get some roommates  If you live alone and have space, get a roommate or two in order to share costs. List your place on Airbnb You might also be able to bring in some cash by making your space available on an exchange like Airbnb. Do this a couple of times per month and you might even be able to cover your entire rent.  Embrace the digital nomad life Work online and can’t make ends meet in your city? Consider uprooting yourself and embracing the digital nomad life. If you’re in a position to up and leave, look into tax-free states like Texas or Florida or countries with a lower cost of living like Colombia, India, or Thailand.  This way, you can combine an American salary with a lower cost of living as you travel the world. If you’re young and up for the experience, why not give it a whirl? Move back home If moving back in with Mom and Dad is an option, you should consider it. You may be able to move in temporarily until your financial situation improves. Hopefully, they’re cool with you living there for free. While you might not want to do this, it could be the best decision you ever make. It’s amazing what shelter, a little home cooking, and family support can do while you rebuild and figure out your finances.  It worked wonders for me. Looking back, it was one of the best decisions I ever made. What should you do with your current place? You may be in a situation where you’re making less money than you were when you signed your lease. Maybe you had a pay cut at work or you lost your job and you’re living off unemployment.  Whatever the case may be, the best thing to do in this situation is to review your lease and talk to your landlord. Explain the situation and ask for some options. This may include a payment plan or temporarily subletting your apartment.  Who knows? You may also be able to find another resident to take over your lease altogether.  If you own a house and can’t make your mortgage payments, think before you jump and sell short. Selling a house is very expensive and you’ll have to pay off your mortgage, loans, and closing costs before you see any profits.  Talk to your mortgage provider and ask about freezing payments for a set period of time or refinancing your loan to lower your monthly payments. You could also move out and rent your house temporarily until you can afford to live there again.  3. Slash your food budget  Target monthly food budget: $200 Food is another basic need that you’ll have to factor in. Everyone needs to eat to survive. And not just any old gruel either: If you don’t eat healthy foods, you’ll be miserable and won’t feel well.  Use the following tips to keep your food budget under control.  Stop ordering out You can’t afford Grubhub or UberEats anymore. Sorry. Say goodbye to paying $30 for pizza and wings — at least for now. This habit has to go.  Keep tasty snacks on hand and have meals ready to go at home. This way, when you feel yourself reaching for the order button, you can stop yourself and make smarter decisions.  Pro tip: You may also want to delete your delivery apps to avoid any temptation. You can’t use UberEats if it’s not on your phone.  Try to lower your cost per meal Eating in more often is half the battle. Now it’s time to optimize your cost per meal.  Sit down at the beginning of the week and plan out what you’re going to eat. Try to spend less than $5 per meal if possible. Once you’ve got your list, go to the grocery store and look for deals to extend your savings. Some examples of low-cost, nutritious meals include rice and beans, potatoes, pasta, and lentils. Consider buying these items in bulk at a store like Costco to save money (using someone else’s membership if you can).  Get used to leftovers  I can’t help but

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[ad_1] Is the US stock market open today? If you are wondering whether the stock market opens today or will it open tomorrow, a look at the list of stock market holidays will help in knowing it. The next stock market holiday is on May 30 being a Memorial Day. The NYSE is the world’s largest stock exchange, offering icons and entrepreneurs the opportunity to raise capital and change the world. The NYSE’s market model provides important benefits to companies entering the public markets for the first time. Similarly, Nasdaq has transformed the financial markets with the introduction of the world’s first electronic stock market. Today, there are 4,000+ company listings on the Nasdaq stock exchange. Nasdaq has a total of nine US stock market holidays and one market half-day holiday in 2022. All NYSE markets observe U.S. holidays as listed below for 2022. U.S. Stock market holidays – From May 2022 to December 2022 Memorial Day – Monday, May 30Juneteenth National Independence Day – Monday, June 20 (Juneteenth holiday observed)Independence Day – Monday, July 4Labor Day – Monday, September 5Thanksgiving Day – Thursday, November 24***Christmas Day – Monday, December 26 (Christmas holiday observed) *** Market will close early at 1:00 p.m. (1:15 p.m. for eligible options) on Friday, November 25, 2022, Friday, (the day after Thanksgiving). Crossing Session orders will be accepted beginning at 1:00 p.m. for continuous executions until 1:30 p.m. on these dates, and NYSE American Equities, NYSE Arca Equities, NYSE Chicago, and NYSE National late trading sessions will close at 5:00 pm. All times are Eastern Time. US Stock Market Timings Pre-Opening Session: 6:30 a.m. ET Orders can be entered and will be queued until the Opening Auction at 9:30 a.m. ET Core Trading Session: 9:30 a.m. to 4:00 p.m. ET [ad_2] Source link

[ad_1] .best-etfs-2020{margin-bottom:1em;max-width:100%}@media (max-width:991px){a.flex-item{width:93%}}@media (min-width:992px){.best-etfs-2020-links{display:flex;flex-direction:row;flex-wrap:nowrap;justify-content:space-between;align-content:space-around;align-items:flex-start}}a.flex-item{display:inline-block;font-size:.8em;background-color:#e5eff6;color:#102f32;font-weight:700;text-decoration:none!important;margin:.5em;padding:.5em;border-radius:4px;border:solid 1px #235e63;max-width:400px}a.flex-item:hover{color:#e5eff6;background-color:#102f32}h2.termNameTitle{display:none}li#text-76{overflow:hidden}div.widgets_on_page ul{padding:0!important} @media (max-width:991px) { a.flex-item { width: 93% } } @media (min-width:992px) { .best-etfs-2020-links { display: flex; flex-direction: row; flex-wrap: nowrap; justify-content: space-between; align-content: space-around; align-items: flex-start } } a.flex-item { display: inline-block; font-size: .8em; background-color: #e5eff6; color: #102f32; font-weight: 700; text-decoration: none !important; margin: .5em; padding: .5em; border-radius: 4px; border: solid 1px #235e63; max-width: 400px } a.flex-item:hover { color: #e5eff6; background-color: #102f32 } h2.termNameTitle { display: none } li#text-76 { overflow: hidden } div.widgets_on_page ul { padding: 0 !important } Overview Canadian U.S. International Fixed-Income All-in-One Desert-Island Picks It’s certainly been an interesting year for U.S. equities, with most of the markets down by quite a bit year-to-date. That’s not going to stop investors from buying into the biggest markets in the world, and ones that are far more diversified than our own. While you can get a lot more technology or healthcare by owning an S&P 500 ETF or a NASDAQ ETF, investors should take the same approach to ETF-picking as they take to Canadian equity funds: focus on diversified and low-cost options. That’s what drove our panellists to choose the seven funds on this “Best U.S. ETFs” list, which is three fewer than was picked last year. (The BMO S&P 500 Index ETF, the Vanguard S&P 500 Index ETF and its Canadian hedged version were voted off the list this year.) XUU and VUN (the full ETF names can be found in the chart below) made the list once again, in part because these total-market funds give Canadians exposure to a broader swath of the U.S. market than traditional S&P 500 funds, including mid- and small-cap stocks that aren’t in the S&P 500. “I like total market or all-caps indexes as opposed to just the S&P 500, because there’s a heck of a lot more than 500 companies in the US and I think it’s wise to hold a slice of them all,” says panellist Robb Engen. For panellist Mark Yamada, XUU is best for long-term holders because of its low fee of 0.07%. “Goal-based investors, who are targeting specific sums of money at certain future dates, might consider low-volatility products that help control volatility over shorter periods,” he adds. Our list of U.S. ETFs includes a few low-vol products, such as ZLU, XMU and FCUL. One choice from our panel that investors may be curious about is QQQ, which is a tech-centric ETF that tracks the NASDAQ. It’s done incredibly well over the last five years—up almost 100%—but it fell on hard times in 2022, dropping by nearly 25% as of the time of writing. Still, it made the list with five out of our eight panellists giving it the go-ahead, in part because while tech has struggled lately, thanks to rising interest rates and other inflation-tightening measures, it’s still a strong long-term play that will be worth getting into again at some point. “I think the stock market growth of the tech sector may be on pause,” says panellist Mark Seed. “The tech sector will continue to grow, and growth sectors are generally hit first when inflation rises.” He also adds: “Once interest rate cycles play out a bit more, this may restore the tech sector exposure in the index throughout the transition period ahead.” Best U.S. ETFs for 2022 To view all the data in this chart, use your mouse or two fingers to slide the columns right or left. To download the list to your device, tap or click the preferred format (Excel, CSV or PDF) below. wdt_ID US EQUITIES Ticker Management Fee MER # of Holdings Description 1 iShares Core S&P US Total Market Index ETF XUU 0.07% 0.07% 98 Holds total U.S. stock market (including small and mid caps) via 4 iShares Core funds 2 BMO Low Volatility US Equity ETF ZLU 0.30% 0.33% 104 Holds at least 100 U.S. large-cap stocks with lower volatility than the market 3 iShares MSCI Min Vol USA Index XMU 0.30% 0.33% 173 Holds U.S. equities with lower volatility than the MSCI USA index 4 Fidelity U.S. Low Volatility Index ETF FCUL 0.35% 0.39% 102 Invests in large- and mid-cap U.S. equities with lower volatility than the broad U.S. market 5 Vanguard U.S. Total Market Index ETF VUN 0.15% 0.16% 3,991 Market-weighted all-cap U.S. equity fund; traded on the TSX 6 Invesco QQQ ETF QQQ 0.20% 0.20% 102 Long-popular ETF based on the NASDAQ-100, exposed to all major U.S. big tech firms 7 Horizons Nasdaq-100 Index ETF HXQ 0.25% 0.28% 100 Technology is a key driver over the next 20 years, and total return structure minimizes tax table.wpDataTable td.numdata { text-align: right !important; } Watch: MoneySense – BMO ETFs – Buying and Selling ETFs   The post Best U.S. ETFs for 2022 appeared first on MoneySense. 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[ad_1] Deakin University’s corporate learning and development division, DeakinCo. has partnered with Tata Consultancy Services (TCS) to co-develop a corporate learning program for business leaders and decision makers. The collaboration aims to meet the growing need to understand, manage and progress adoption and application of emerging technologies, such as artificial intelligence, machine learning, data analytics and robotics across their businesses. The program, for senior managers and leaders was launched at the India Habitat Centre in New Delhi. Present in the event were Sarah Storey, Australia’s Deputy High Commissioner to India, Glenn Campbell, CEO, DeakinCo., Ankur Mathur, Head, Education Business, TCS, and Ravneet Pawha, vice president, Global Alliances, Deakin University. The program is designed to address specific capability gaps in non-IT decision making and leadership positions. This aims to help understand the business imperative of adopting AI and machine learning.  Designed to be delivered either digitally or as a blended experience incorporating both face-to-face and self-paced sessions, the program will have customisable elements to meet the needs of each client. This includes detailed, industry-relevant case studies, practical workshops, and direct access to leading practitioners. “This program is designed for leaders and decision makers who are overseeing AI projects and don’t have a technical background. It will provide them with knowledge and case study exposure to understand the business imperative of adopting and implementing AI throughout their organisation’s operations,” Glenn Campbell, CEO, DeakinCo. said. Read Also: Saras-3D School announces sponsorship programmes for schools, partners with CHARUSAT [ad_2] Source link

[ad_1] .best-etfs-2020{margin-bottom:1em;max-width:100%}@media (max-width:991px){a.flex-item{width:93%}}@media (min-width:992px){.best-etfs-2020-links{display:flex;flex-direction:row;flex-wrap:nowrap;justify-content:space-between;align-content:space-around;align-items:flex-start}}a.flex-item{display:inline-block;font-size:.8em;background-color:#e5eff6;color:#102f32;font-weight:700;text-decoration:none!important;margin:.5em;padding:.5em;border-radius:4px;border:solid 1px #235e63;max-width:400px}a.flex-item:hover{color:#e5eff6;background-color:#102f32}h2.termNameTitle{display:none}li#text-76{overflow:hidden}div.widgets_on_page ul{padding:0!important} @media (max-width:991px) { a.flex-item { width: 93% } } @media (min-width:992px) { .best-etfs-2020-links { display: flex; flex-direction: row; flex-wrap: nowrap; justify-content: space-between; align-content: space-around; align-items: flex-start } } a.flex-item { display: inline-block; font-size: .8em; background-color: #e5eff6; color: #102f32; font-weight: 700; text-decoration: none !important; margin: .5em; padding: .5em; border-radius: 4px; border: solid 1px #235e63; max-width: 400px } a.flex-item:hover { color: #e5eff6; background-color: #102f32 } h2.termNameTitle { display: none } li#text-76 { overflow: hidden } div.widgets_on_page ul { padding: 0 !important } Overview Canadian U.S. International Fixed-Income All-in-One Desert-Island Picks There is once again a wide variety of international ETFs on our best-of list, with some options covering a broad swath of global markets and others focusing on just emerging markets: both including and excluding China. A fund like XAW, which holds six iShares funds and covers the entire world except for Canada, is a great all-in-one style fund you can use to cover all your bases. When it comes to emerging markets, you’ll need to ask yourself a question: Will China outpace other markets including the U.S. and Canada over the long term? “More often than not,” says Seed. “A bet on international markets and emerging markets is usually a bet on China’s growth. Even back in 2020, China remained the world’s second-largest economy.” This year, our panellists added three new All-Star funds to the international category: all of them in Emerging Markets: XEC, ZEM and EMXC. The latter is U.S. listed. [Again, see accompanying chart for full fund names.] XEC and ZEM, says Felix, go well with some of the other names on the list. “XEC compliments XEF while VEE and XEF disagree on South Korea,” he notes. “ZEM does not extend to small caps, but it does hold securities directly, as opposed to holding a U.S.-listed ETF, which is good for withholding tax costs.” Rebetez suggested EMXC because it excludes China, just as its formal name suggests: iShares MSCI Emerging Markets ex China ETF. Given all that’s going on in the world today, too much exposure to China could cause problems for portfolios. “All is not well with globalization and we might have a problem, not just with Russia, but possibly with China, too.” Best international ETFs for 2022 To view all the data in this chart, use your mouse or two fingers to slide the columns right or left. To download the list to your device, tap or click the preferred format (Excel, CSV or PDF) below. wdt_ID INTERNATIONAL or GLOBAL EQUITIES Ticker Management Fee MER # of Holdings Description 1 iShares Core MSCI All Country World ex Canada Index ETF XAW 0.20% 0.22% 8,887 Global all-cap fund that’s lower-cost and tax-efficient; holds 6 iShares funds everywhere but Canada 2 Vanguard FTSE Global All Cap ex Canada Index ETF VXC 0.21% 0.21% 11,243 Prefers one-stop international funds to picking standalone emerging and international ETFs 3 iShares Core MSCI EAFE IMI Index ETF XEF 0.21% 0.22% 2,606 Broad coverage of Europe, Japan and Australia 4 NEW! iShares Core MSCI Emerging Markets IMI Index ETF XEC 0.25% 0.26% 2,583 An easy way to own more than 1,500 stocks from emerging markets around the world 5 NEW! BMO MSCI Emerging Markets Index ETF ZEM 0.25% 0.27% 820 Exposure to several emerging markets, including China, which accounts for 30% of the fund 6 Vanguard FTSE Emerging Markets All Cap Index ETF VEE 0.23% 0.24% 5,293 Emerging markets index that includes China A shares but not South Korea because FTSE classifies the country as a developing market 7 Vanguard FTSE Developed All Cap ex North America Index ETF VIU 0.20% 0.23% 3,874 More diversified than XEF with more countries covered, similarly tax efficient 8 NEW! iShares MSCI Emerging Markets ex China ETF EMXC 0.25% 0.28% 813 Tracks large- and mid-cap emerging market equities, excluding stocks from China table.wpDataTable td.numdata { text-align: right !important; } Watch: MoneySense – BMO ETFs – Buying and Selling ETFs The post Best international ETFs for 2022 appeared first on MoneySense. [ad_2] Source link