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Long a buy and hold investor, I now believe that buy and hold has to be re-evaluated in a world of ever increasing, instant information and huge gyrations in markets all over the world. A value investor at heart, I anchor my portfolio with conservative funds and blue chip dividend stocks, but... More
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  • Target Dated Retirement Funds
    Target date retirement funds or retirefunds are growing in popularity

    Target dated Retirement funds are known as Retirefunds. They are often set up to target a specific date which is usually the retirement date of the individual investor in question.

    Examples of such funds can be found at BMO, Scotiabank, Manulife, T. Rowe Price, Pimco, and many other banks and financial institutions to numerous to mention here. These funds are the "cruise control" of mutual funds. As the investor gets closer to retirement, the fund's asset allocation becomes more conservative and focuses on fixed income. The changing asset allocation is called the glide path.

    "In the U.S., target-date funds hit the public consciousness after the Pension Protection Act of 2006. The legislation allowed 401(k) plan sponsors to make life cycle funds the default investments for participants who didn't choose their own funds. The logic was that since investors were now in charge of their own retirement funds, sitting in cash wasn't going to get them there".(See Nasdaq)

    In Canada, target dated funds began gaining more interest around the same time. These funds have some very positive aspects which are desired by many investors. Many individuals are so busy with their own careers, family and lives that they truly want their retirement funds on cruise control. Although I often point out you are the best keeper of your retirement plan and your money, many people either do not, or cannot look after their own plans.

    There are however some drawbacks to these plans you should be aware of. The Canadian investment review has an excellent article on this very subject entitled: The trouble with retirement dated funds.

    Retirefunds may not be for everyone but there is a growing investor base that wants to keep their investments on cruise control. If you are interested in this form of retirement financing, you should contact a qualified financial adviser.

    Disclosure: The author has no positions in any stocks mentioned, and no plans to initiate any positions within the next 72 hours.

    Dec 08 12:51 PM | Link | Comment!
  • IBC Advanced Alloys, A Penny Stock With A Hightech Advantage

    IBC Advanced Alloys poised for tremendous growth!

    It has been years if at all since I have noticed a microcap company, indeed, a penny stock, that has as much potential and upside as IBC Advanced Alloys does. I certainly cannot remember any, and that's saying something.

    IBC's website states that: "IBC Advanced Alloys is a leading rare metals advanced alloys developer and manufacturer, for the global market, with a focus on specialty copper alloys and high performance beryllium aluminum castings. IBC's engineered solutions are essential for high technology products used in a broad range of market sectors including nuclear power, automotive, oil and gas, electronics and aerospace. Complementing our alloy manufacturing operations are R&D initiatives focused on enhancing and supporting IBC's growing US manufacturing base."
    See: ibcadvancedalloys.com

    When searching for good prospects in the penny stock area, one normally encounters many frontier type miners with no production, no income and no cash, with big dreams for a single mining claim. IBC is a different animal completely.

    Many things differentiate this microcap from it's peers, not the least of which is a patented process of producing a proprietary Beryllium Alloy called "Beralcast"(c). At this writing IBC is working with Lockheed Martin Corp, in the production of the most advanced fighter jet in history, the F-35 Lightening II
    which was recently the subject of an attempted theft of technology by Iran.

    Beralcast(c) is a casted alloy, which is not duplicated by any other company at present. It is proprietary property of IBC Advanced Alloys, and one of the reasons IBC recently (2013) gained the top engineering designation of AS9100 Certification for the Aerospace industry.

    I believe that, if IBC signs with Lockheed Martin to provide Beralcast Alloys for the F35 stealth fighter, the share price will pop around 500% on the first day. Of course, that hinges on the signing of a contract.

    That, my friends, is only one of the "irons in the fire" on the drawing board at IBC. Their alloys are also to be used in the nuclear industry to make nuclear fuel safer to use. Recently they presented at the American nuclear top fuels conference.

    (click to enlarge)

    Another frontier for IBC Advanced Alloys Corp is in the Injection Moulding market where Beralcast Mouldings are "The ideal material for mold cores and cavities and one that has both excellent thermal conductivity and high hardness".

    IBC also recently signed an MOU with Global Nuclear Fuels America and Ceramic Tubular Products to Advance Nuclear Fuel Initiatives. See: MOU

    Although IBC is still currently a penny stock, listed on the TSX Venture exchange under the symbol IB and on the OTC market in the U.S. under the symbol IAALF, it won't be very long before growth forces this under the radar stock onto the Nasdaq exchange as IBC's four production facilities are all located in the USA.

    If you don't already have IBC in your penny stock portfolio, then you are just not paying attention!

    Wishing you great investing success.

    HP

    Here are some more recent headlines for IBC.

    Tags: IB-T
    Jan 17 4:20 PM | Link | Comment!
  • Brigus Gold Is A Junior With A Difference
    Brigus Gold is on a roll into 2015

    If you are looking for a growing, junior gold miner, that makes profit, is growing it's margin, and resource base, while reducing overall costs of production, look no further than Brigus Gold.
     
    In Q3 Brigus produced a record 22,000 oz and is on track to exceed 100,000 oz production per year for the foreseeable future. Resource base has grown to over 2 million oz.

    In October drilling at the Black Fox Mine site hit a whopper of a result at 18.09 grams per ton over 39.60 meters, including 39.45 g/t over 10.35 meters. This, in an industry where 3g/t is considered mineable.

    That result occurred only 2 weeks after hitting a previous whopper of 40.71 gpt Gold Over 26.75

    Both if these occurred at Brigus's producing Black Fox Mine. At the same time they began hitting great results at their Grey Fox property as well.

    Although headquartered in Halifax Nova Scotia, Brigus mines are situated in the Timmons Ontario gold district which has been one of the most prolific gold producing regions of the world for decades. Brigus is an anomaly in the junior gold space. Why? Because it has a working gold mine, it produces gold, is profitable and it is growing.

     

    Brigus Gold Corp Today - .70c per share

    Market Cap$167.8MBeta0.98
    Revenue (NYSE:TTM)$144.1MEPS$0.10
    Shares Out.232.1MBook Value$1.05
    Dividend Yield0.00%P/E7.4x
    Annual Dividend Rate$0.00Price/Sales (TTM)1.2
    Ex-Div Date1/1/01P/Cash Flow (TTM)2.7x
    Pay Date1/1/01Operating Margin14.79%   

    If you are in the market for a junior gold miner, you should consider Brigus Gold, before the share price catches fire, because I believe it surely will.

    Hope you have great results with your Retirefunds.

    HP

    Disclosure: I am long BRD.

    Tags: PPP
    Nov 20 12:13 PM | Link | Comment!
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