Get a 50% return, guaranteed

Share ownership plans are a surefire way to grow your investments.

107

by Bryan Borzykowski
May 18th, 2010

From the May 2010 issue of the magazine.

107

return_322
Imagine if your financial adviser came to you with a secure (and legal) way to get a guaranteed 50% return on your money. You’d likely say ‘yes’ pretty quickly. Well, no need to imagine any longer, because that’s exactly what you can get if you’re lucky enough to have a share ownership plan at work.

Brock McEwen, a director at Great West Life, says that with his company’s plan, for every $2 of Great West Life stock he buys, the company throws in $1, effectively creating that 50% return on his money—even if the stock price doesn’t go up. “We’re getting tremendous value,” he says.

Bob Gorman, vice-president and chief portfolio strategist with TD Waterhouse, agrees these types of programs can be a boon. Generally, people can invest between 1% and 5% a paycheque in their employer’s stock. Simply doing that, Gorman explains, can net you high returns.

But there are risks. Some plans lock in your money for while, and having a pension, a job, and investments tied up in one place can be dangerous. “Enron,” utters Ted Rechtshaffen of TriDelta Financial, recalling the disaster its employees faced when the company went bust. The staff not only lost their jobs, but the savings they had in the share ownership plan.

To avoid that scenario, Rechtshaffen says you should keep abreast of your employer’s financial situation, and you shouldn’t have more than 50% of your net worth tied  up in your company. “If it exceeds that,” he says, “it may be necessary to get more balance, even if there are great benefits.” Baby boomers nearing retirement should be especially careful of putting all their eggs in one basket.

In McEwen’s case, he says his company appears to be stable, and for him it’s not just about the money. “Imagine being one of the only execs sitting around a table who didn’t invest,” he says. “I want to support my company.”

107 comments on “Get a 50% return, guaranteed

  1. Pingback: Get a 50% return, guaranteed | Bryan Borzykowski

  2. The Zune concentrates on being a Portable Media Player. Not a web browser. Not a game machine. Maybe in the future it’ll do even better in those areas, but for now it’s a fantastic way to organize and listen to your music and videos, and is without peer in that regard. The iPod’s strengths are its web browsing and apps. If those sound more compelling, perhaps it is your best choice.

    Reply

  3. I very much doubt that I will go back to normal decks now I have this. Virtual dj has saved me alot of money in the long run

    Reply

  4. about the most recent posts are fantastic quality bootcamp guess I’ll add you into my daily bloglist,would you mind writing your weblog with even more data!2

    Reply

  5. What a lovely day for a 74615! SCK was here

    Reply

  6. images are? illegal to copy with out permission if you dont have permission by the copyright holder, but thats why we have photo shop, manipulate the photo and claim it as your own

    Reply

  7. My spouse and I absolutely love your blog and find nearly all of your post’s to be just what I’m looking for. Would you offer guest writers to write content for yourself? I wouldn’t mind producing a post or elaborating on a few of the subjects you write related to here. Again, awesome web site!

    Reply

  8. At this time it appears like Drupal is the preferred blogging platform out there right now. (from what I’ve read) Is that what you are using on your blog?

    Reply

  9. I just found your website a few days ago and I have been reading through it regularly. You have a lots of very excellent info here and i also like the fastidious design of your website as well. Keep up the excellent work!

    Reply

  10. Spot on with this write-up, I truly think this web site needs far more consideration. I’ll in all probability be once more to learn way more, thanks for that info.

    Reply

  11. Exactly what I was searching for! Thanks so much for Posting the info. I googled for a long time and found a bunch of unhelpful information, before I found this. Thanks! Will

    Reply

  12. Today, I went to the beachfront with my kids. I found a sea shell and gave it to my 4 year old daughter and said “You can hear the ocean if you put this to your ear.” She placed the shell to her ear and screamed. There was a hermit crab inside and it pinched her ear. She never wants to go back! LoL I know this is completely off topic but I had to tell someone!

    Reply

  13. Hi there, I simply hopped over on your site by means of StumbleUpon. No longer one thing I would generally learn, however I liked your feelings none the less. Thanks for making one thing worth reading.

    Reply

  14. Howdy, I simply hopped over on your site via StumbleUpon. Now not one thing I’d normally learn, but I appreciated your feelings none the less. Thanks for making something worth reading.

    Reply

  15. Ordinary this post is totaly unrelated to what I used to be looking out google for, however it was once indexed at the first page. I suppose your doing one thing proper if Google likes you sufficient to position you at the first page of a non related search.

    Reply

  16. I conceive this site contains some very great information for everyone : D.

    Reply

  17. Simply desire to say your article is as astonishing. The clearness in your post is simply great and i could assume you’re an expert on this subject. Well with your permission let me to grab your RSS feed to keep updated with forthcoming post. Thanks a million and please continue the enjoyable work.

    Reply

  18. Hm, So i am comfortable with this but still not completely convinced, therefore i’m gonna research a little more.

    Reply

  19. I was solely trying this phenomenal material for a while . Shortly after all the time for instance continuous Googleing, ultimately I got it in your blog . I inquire whats exactly the dearth such as Google plan the specific dont social status this particular rather illuminating blog articles in peak of the leaning. Often the recognized content are full such as food waste .

    Reply

  20. I have noticed that clever real estate agents everywhere you go are warming up to FSBO Marketing and advertising. They are recognizing that it’s more than just placing a poster in the front area. It’s really regarding building connections with these dealers who at some time will become customers. So, after you give your time and efforts to helping these traders go it alone — the “Law connected with Reciprocity” kicks in. Thanks for your blog post.

    Reply

  21. Right now it looks like Movable Type is the best blogging platform out there right now. (from what I’ve read) Is that what you are using on your blog?

    Reply

  22. Your posts usually have much of really up to date info. Where do you come up with this? Just saying you are very resourceful. Thanks again

    Reply

  23. Normally I don’t read post on blogs, but I wish to say that this write-up very forced me to try and do so! Your writing style has been amazed me. Thanks, very nice article.

    Reply

  24. Apple now has Rhapsody as an app, which is a great start, but it is currently hampered by the inability to store locally on your iPod, and has a dismal 64kbps bit rate. If this changes, then it will somewhat negate this advantage for the Zune, but the 10 songs per month will still be a big plus in Zune Pass’ favor.

    Reply

  25. I’ve been reading your entries throughout my morning holiday, and I will have to admit the whole article has been very enlightening and really well written. I believed I might permit you to realize that for some explanation why this blog does no longer view neatly in Web Explorer 8. I wish Microsoft could stop converting their software. I’ve a question for you. Might you thoughts exchanging blog roll links? That may be really neat!

    Reply

  26. Excellent issues?I would be aware that as somebody who in reality doesn’t write on blogs much (if truth be told, this may be my first put up), I don’t assume the term ‘lurker’ may be very becoming to a non-posting reader. It’s no longer your fault in the least , but perhaps the blogosphere may come up with a better, non-creepy identify for the 90% folks that experience reading the content .

    Reply

  27. I am speechless. It is a very good weblog and really engaging too. Nice work! That’s not in point of fact a lot coming from an newbie writer like me, but it’s all I may just say after diving into your posts. Nice grammar and vocabulary. Now not like different blogs. You actually recognise what you?re talking about too. So much that you just made me need to discover more. Your blog has grow to be a stepping stone for me, my friend.

    Reply

  28. Good issues?I might word that as someone who actually doesn’t write on blogs much (in truth, this can be my first post), I don’t suppose the term ‘lurker’ may be very changing into to a non-posting reader. It’s not your fault in the slightest degree , however most likely the blogosphere could get a hold of a greater, non-creepy name for the 90% people that enjoy studying the content material .

    Reply

  29. I’m extremely impressed with your writing skills as well as with the layout on your blog. Is this a paid theme or did you modify it yourself? Anyway keep up the nice quality writing, it is rare to see a great blog like this one nowadays..

    Reply

  30. Found this insightful little niche through the wonders of Bing! I’m a very conservative investor myself and I’ve read a few of those investment banking books (mainly Liar’s Poker and The Big Short) – interesting stuff but I wouldn’t dare put my money into risky assets or junk bonds. Look what happened to Milken – off to prison! I’d really recommend reading up on this award-winning article written by Delos Chang about the S&P 500. It meshes really well with a Random Walk Down Wall Street and can really provide you some great lead for your investing career. Once again, I’m no day trader and I don’t have an informational advantage over anyone – but I sure as hell know I want to make a decent return with the money that I put into the market. With all the drug wars going on, who knows when it could disappear?

    Reply

  31. I cling on to listening in the direction of rumor speak about obtaining boundless internet dependent grant programs so i’ve been looking for near to for the best internet site to obtain one. Could you reveal to me please, especially where could i arrive around some?

    Reply

  32. Simply insightful! I’ve worked in the financial sector myself (interned at Morgan Stanley so I’ve been in the position of observing a lot of investors and underwriters going through IPOs. Since then, I’ve moved from hedge funds to an entrepreneurial start-up so I’m still in a remarkably bright position to observe human behavior. Although I wouldn’t say that I’m an master at investing in any way, I do know that while you can make a great sum from day trading, your chances of competing with other informational traders (people who really know the stocks) are slim..and don’t even mention the dealers and brokers who have their own reputation and assets at risk! My advice: if you are looking to invest for personal finance reasons, go ahead and take a brief read at an award-winning essay by Delos Chang that details the S&P 500 as a more reliable and surefire return than any sort of day trading. With the inflation, drug wars, stock bubbles, mortgage housing crises these days, you can’t just keep paying transaction costs or the capital gains tax will really make you bite the bullet (even if you’ve made a negative profit from inflation!). Opportunity cost – economics 101.

    Reply

  33. Fantastic read, I just passed this onto a friend who was doing a little analysis on that. And he really bought me lunch because I located it for him smile So let me rephrase that: Thanks for lunch!

    Reply

  34. I was aware about this previously, but still there have been several helpful pieces that finalized the image for me, thanks!

    Reply

  35. You made some first rate factors there. I looked on the internet for the issue and located most people will associate with together with your website.

    Reply

  36. That appears to be fine however i am still not so certain that I prefer it. However will look far more into it and choose personally! :)

    Reply

  37. Hi there, I just hopped over to your site via StumbleUpon. Now not one thing I would generally read, however I liked your feelings none the less. Thank you for making something price reading.

    Reply

  38. I have been reading your entries throughout my morning break, and I will have to admit the entire article has been very enlightening and rather well written. I thought I would help you know that for some explanation why this weblog does no longer view neatly in Internet Explorer 8. I wish Microsoft could stop converting their software. I have a question for you. Might you mind changing weblog roll hyperlinks? That might be in reality neat!

    Reply

  39. I was very happy to find this site on bing.I wanted to say many thanks to you with regard to this excellent post!! I undoubtedlyliked every little bit of it and I’ve you bookmarked to check out new stuff you post.

    Reply

  40. Hm, I’m just ok with this however not totally convinced, therefore i am going to research a little more.

    Reply

  41. Great stuff from you, my friend. Ive read your posts before and you’re just Awesome! I love what you’ve got here, love what you’re saying and the way you say it. You make it entertaining and yet you still manage to keep it smart & to the point. I cant wait to read more from you. This is really a great & very well blog!

    Reply

  42. Thanks for your strategies. One thing we have noticed is that banks as well as financial institutions know the dimensions and spending routines of consumers and as well understand that a lot of people max out and about their real credit cards around the holiday seasons. They smartly take advantage of this real fact and begin flooding your own inbox plus snail-mail box together with hundreds of Zero APR credit card offers shortly after the holiday season ends. Knowing that if you’re like 98% of all American open public, you’ll leap at the possible opportunity to consolidate financial debt and shift balances for 0 interest rate credit cards.

    Reply

  43. Some really nice and utilitarian info on this web site , as well I believe the design and style has got great features.

    Reply

  44. Amazing! Your site has a bunch viewers. How did you get so many viewers to see your post I’m jealous! I’m still learning all about blogs on the internet. I’m going to view pages on your website to get a better understanding how to attract more people. Thanks for the help! Snohomish Virus Removal

    Reply

  45. The handwriting style is higher-ranking and the import is relevant. Thanks in spite of the insight you cater the readers!

    Reply

  46. Because of reading your blog, I undisputed to write my own. I had not in any degree been interested in keeping a blog until I proverb how helpful yours was, then I was inspired!

    Reply

  47. Simple important dispatch to depend on.. I am exceedingly impressed with this article. Looking an eye to days posts.

    Reply

  48. Superb post! You’ve created some extremely fascinating statements and I appreciate the time you’ve taken in your composing. It’s plain to determine that you recognize what you might be talking about. I’m searching forward to studying extra of one’s web sites content material.

    Reply

  49. If possible, as you glean expertise, would you brainpower updating your blog with more information? It is hellishly sympathetic in return me.

    Reply

  50. For a while now Pepsi has been known for manufacturing and distributing oddly flavored versions of their well-known Pepsi soda. They’ve gone clear, white, clear, red, and now they’re going blue with Pepsi blue.

    Reply

  51. I have noticed that of all different types of insurance, health care insurance is the most questionable because of the issue between the insurance coverage company’s necessity to remain making money and the consumer’s need to have insurance plan. Insurance companies’ profits on health and fitness plans are very low, therefore some businesses struggle to gain profits. Thanks for the thoughts you write about through this blog.

    Reply

  52. If tenable, as you on expertise, would you mind updating your blog with more information? It is hellishly beneficial in return me.

    Reply

  53. That is my initial time i check out right here. I located numerous entertaining stuff in your blog site, specially its discussion. From your a lot of comments on your posts, I guess I am not the just one having each of the satisfaction here! Keep up the excellent work.

    Reply

  54. Anyone here play word of warcraft? Looking for new guild members.

    Reply

  55. Hey! I just saw one other message in another blog that looked like this. How have you learnt all these items? That’s one cool post.

    Reply

  56. Ive been checking your blog for a while now, seems like everyday I learn something new Thanks

    Reply

  57. Have you at any time considered as about which include a small little bit way in surplus of just your articles? I mean, anything you say is beneficial and everything. however envision from the event you added some very good pics or movies to produce your posts more, “pop”! Your content material is great but with pics and video clip clips, this web page could undeniably be one unique while using instead best in its niche. very good blog!

    Reply

  58. This blog is nice, gives a lot of knowledge and reverensi about the appropriate keyword descriptions.

    Reply

  59. Pingback: buy proactol

  60. Pingback: Check out my facebook profile

  61. youre really a good webmaster. The web site loading speed is incredible. It seems that you are doing any unique trick. Also, The contents are masterpiece. Fotografia Å“lubna Katowice youve done a great job on this topic!

    Reply

  62. A thoughtful insight and ideas I will use on my website. Youve obviously spent some time on this. Congratulations!

    Reply

  63. A thoughtful insight and ideas I will use on my website. Youve obviously spent some time on this. Congratulations!

    Reply

  64. As I web site possessor I believe the content matter here is rattling great , appreciate it for your hard work. You should keep it up forever! Good Luck.

    Reply

  65. Plan 529 is not only for collage savings, but parrent also can use it

    Reply

  66. I’m curious to find out what blog platform you’re using? I’m experiencing some minor security problems with my latest site and I’d like to find something more risk-free. Do you have any recommendations?

    Reply

  67. Pingback: Janome 7330

  68. Pingback: Electronic Cigarette

  69. Pingback: Simonton Windows

  70. When I originally commented I clicked the “Notify me when new comments are added” checkbox and now each time a comment is added I get four emails with the same comment. Is there any way you can remove people from that service? Thank you!

    Reply

  71. Pingback: Solar Panels

  72. Pingback: Diet Solution

  73. Pingback: Forex Trading Strategies

  74. Pingback: Master Cleanse

  75. Pingback: Transmission Slipping

  76. Pingback: Simply Earplugs

  77. Pingback: Simply Ear Plugs

  78. Pingback: Mauritius Self Catering villas

  79. Pingback: Hebergement ile Maurice

  80. Pingback: Location Vacances Ile Maurice

  81. Pingback: Mauritius Villas

  82. Pingback: Louer Ile Maurice

  83. Hi, i read your weblog sometimes and that i own a similar one and i used to be just wondering when you get loads of spam feedback? In that case how do you stop it, any plugin or anything youll be able to recommend? Im getting a lot recently it is driving me mad so any assist could be very much appreciated. Anyway, in my language, there are usually not a lot good supply like this.

    Reply

  84. Pingback: Mauritius Villa Rental

  85. Pingback: Location Villa Ile Maurice

  86. Pingback: internal audit

  87. Pingback: lap band surgery cost

Leave a comment

Your email address will not be published. Required fields are marked *