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Winnipeg Free Press (Newspaper) - February 15, 2001, Winnipeg, Manitoba Tlie Jewish Post fc News Financial Guide 2001 7 Leveraging a risky strategy to increase investment returns By PETER DAVEY The idea of bor rowing money to purchase a car or purchase a home is notatall How this idea of bor rowing money to in vest is something that is quite foreign to the average Bor rowing money to in vest is known as When an investor they pay a portibn of their own money and borrow the Borrowing money allows the investor to make a larger invest The more you invest the greater the potential con leveraging can also cause increased For if you purchase 100 shares of a company at the initial investment Would come to If the shares of X go up by you have made If you invested your and bor rowed a further you could buy 200 shares of X With a 20 you have made While the X shares have still made a 20 you have made a 40 return on your original investment the cost of if the investment losses will be magnified In the example with the shares of X the in vestor will lose of his or her principal if the shares go down by In addition to the the in vestor will also have to pay the cost of borrow ing the additional As long as an invest ment increases at a rate higher than the cost of leveraging can be a very effective way to magnify Interest and inflation rates must be carefully monitored because in creased interest rates will increase the cost of borrowing which will diminish any invest ment Another advantage of borrowing to invest is that interest charged on investment loans is usually tax In order to be tax de the borrowed money be in vested in an investment MSC Provides Manitobans with Educational Information By DON MURRAY Investor Education Week is a na tional program that runs from April 23 to April 27 this This annual event is the cooperative ef fort of a number of organizations including the Canadian Securities Administrators of which The Mani toba Securities Commission is a At the MSC we feel it is important for Manitobans to know more about both Investor Education Week and the Commission our functions and how we can benefit The MSC is an independent agency of the Government of Manitoba re porting to the Legislature through the Minister of Consumer and Cor porate We have a dual man date being investor protection and fostering efficient and transpar ent Our functions include registration of those trading in secu review of offering documents such as prospectuses and taking dis ciplinary action where warranted against market An im portant part of investor protection is the provision of information and education to the investing We believe that an informed inves tor is a protected Investor Education Week is part of the MSCs annual educational program and details of this years activities will soon be Outside of Investor Education the MSC operates a year round education and information program geared toward the average Mani toba Education materials pamphlets are published both independently by the MSC and in conjunction with the Canadian Se curities Administrators and cover a wide range of topics including how to get to started in an investment how to choose an invest ment all about mutual funds and many In we regularly host educational programs for the public including a presenta tion on how to recognize and avoid securities We also invite Manitobans to visit our website at HYPERLINK where you will find an extensive amount of infor mational and educational material relevant to Our materials and programs are not developed for sophisticated or institutional investors but for the average including young people and seniors and those whose securities holdings are strictly in mutual We urge Manitobans to make use of the services we pro Don Murray is the Chairman of the Manitoba Securities Commission For more information on please contact Ainsley Education an Information Coordina tor at that will produce in Generally speak interest charged on money borrowed to purchase any common share that will poten tially pay dividends will be tax Because of the very real possibility that in vestments could de crease and losses will be magnified if it is impor tant to determine whether or not borrow ing to invest is appro priate for Some things to remember are Understand the risks of borrowing to invest in particular the risks of using collateral Ensure that leveraged investments are at your risk toler ance The fact that losses can be magni fied by makes investing even Borrow only an amount that you will be able to comfortably pay You should be able to make the loan payments out of regular cash exactly how the interest and repayment terms of your loan Understand exactly how much money you will lose in a worst case Ensure with your tax advisor that the in terest on the borrowed money is tax deduct ible If your financial advi sor is suggesting make sure he or she explains all of the risks Dont be persuaded into leveraging if you dont fully understand or are not with the Peter Davey was sec onded by The Mani toba Securities Com mission as Assistant Legal If you have any questions concerning this or any other securities related matters please contact the Commission at THE MANITOBA BCCURITIEB COMMISSION Securities Regulators are marking the 4th Annual Investor Education Week Campaign from April International in the campaign is led in Canada by the Canadian Securities Administrators and locally by The Manitoba Securities Get the its your its your THE MANITOBA SECURITIES COMMISSION INVEST TIME BEFORE YOU INVEST MONEY For your free copy of the Canadian Securities Administrators CSA Investor Education kit contact The Maniotba Securities Commission at 204 9454733 18006555249 MB only
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