The best investment options for you depend on your risk tolerance, expected returns and amount of money available. But the good news is that most people can invest using a savings account, a retirement account like a 401(k) or an online stock brokerage or robo-advisor.

The best investment options and stock-based investments like ETFs and mutual funds have a proven track record of providing the highest investment returns over long periods. But stocks also carry more risk than other investments, as stock prices can rise and fall significantly. For this reason, they’re best suited for investors who won’t need their money any time soon.

Financial Market Trends to Watch in 2025: What Investors Should Expect

Bonds and other fixed-income investments provide lower investment returns than stocks, but they’re less volatile. However, they may carry interest rate, credit or inflation risk. Corporate bonds, which are loans made to businesses, typically have a higher yield than government bonds, but they can be more risky.

Real estate investments can provide rental income, as well as potential appreciation in property value. They can also be a reliable source of steady income and act as a hedge against inflation.

Precious metals, such as gold and silver, can be a diversifying investment option for those looking for more stable returns than what they’d get from stocks or other asset classes. But they can be volatile and can experience price spikes, so it’s important to have them as only a small part of a diversified portfolio.

A leading name in nicotine pouches, velo pouches are renowned for their wide range of flavors and strengths suitable for newbies and long-term users alike. But what really sets them apart? In this article, we’ll explore a few key details about these tobacco-free products to help you choose the right option for your lifestyle.

Nicotine Pouches

Unlike cigarettes, which produce dangerous carcinogens and tar that inhaled into the lungs, velo pouches are free from these harmful substances. Instead, they deliver a flavorful hit using food-grade ingredients. This means they’re healthier than most inhalable nicotine options and are also safer than traditional snus, which is typically full of tobacco smoke.

The VELO lineup offers a variety of mouthwatering flavors, including classic mints, menthol-infused options, wintergreen, and citrusy combinations. With a choice of either 6mg or 9mg of premium synthetic nicotine, the selection is ideal for adults looking to enjoy a more discreet and convenient smoking experience.

VELO nicotine pouches are available in mini and slim varieties, as well as the larger VELO Plus version. Regardless of the type you opt for, the canisters all open in the same way, with the VELO Plus cans having a slightly larger profile than the smaller ones. We recommend choosing the EU-made VELO products if you’re looking for the best nicotine pouch experience – these have been designed with EU regulation in mind and will therefore give you the most consistent flavour and buzz.

An online brokerage is a software program that allows you to buy and sell stocks, bonds, exchange-traded funds (ETFs), mutual funds, and more from a single account. These programs are also known as discount brokerages in Canada, because they offer much lower fees than the full-service options offered by traditional financial advisors. With an online brokerage, you’ll invest your own money and choose the combination of stocks, ETFs, and bonds that will reach your long-term investment goals.

While it can be tempting to sign up for an account with the online broker that offers the lowest trade fees, there are many other factors you should consider when choosing the Best Trading Platform in Canada. You should look for a platform that aligns with your specific investing needs, including the types of markets you want to trade and the level of market data you’d like access to.

Best Trading Platform in Canada: Top Picks for 2025

Moomoo is a good option for investors who prioritize cost-effective trades and advanced analysis tools. Its free Level 2 market data enables you to dive deeper into the trends behind stock movements, while its suite of over 100 technical indicators and 45 charting tools can help you craft tailored trading strategies. The app is available in both English and French and supports four account types, including cash, margin, RRSP, and TFSA accounts.

TD Direct Investing is a popular choice among Canadian investors thanks to its flexible trading features and comprehensive research tools. Its WebBroker platform is simple and user-friendly, while its TD Active Trader provides a more advanced trading experience for more experienced traders. The site offers free ETF trading, no account fees, and an extensive range of registered and non-registered accounts, including RRSPs, TFSAs, and RESPs. It is also a member of the Canadian Investor Protection Fund (CIPF), which protects your money in the event of a firm’s bankruptcy up to $1 million for general accounts and $350, 000 for eligible registered and RRSP accounts.