Investment Savings Account

To earn higher interest on cash (CDN or USD) in an RRSP, TFSA or a cash account that you want to keep liquid, use an investment savings accounts (ISA) available from various banks. These can be purchased like a mutual fund but are actually a type of savings account. Priced at either $1.00 or $10.00 per unit. They don't pay interest per se, the unit price remains the same but you receive additional units.

 

Institution	CDN	USD
	TICKER SYMBOL
Scotiabank	DYN5000	DYN5001
Royal Bank	RBF2010	RBF2014
TD Bank	TDB8150	TDB8152
CIBC	ALT5078	—
Desjardin Bank	DJQ1000	—

 

TICKER	Rates as of 2025-08-01
DYN5000	CAD	2.45%
DYN5001	USD	3.9%
RBF2010	CAD	2.3%
RBF2014	USD	3.9%
TDB8150	CAD	2.3%
TDB8152	USD	3.9%
ALT5078	CAD	2.3%
DJQ1000	CAD	2.45%

Precious Metals

Precious metals, gold, silver and platinum in coin and bar form can be purchased online and in-store from some suppliers. Canadian PMX usually has the best prices, but Silver Gold Bull has a bigger selection. Some suppliers:

• Canadian PMX, Toronto - free shipping on orders over $500
• Gold Silver Bull, Calgary - free shipping on orders over $299
• TD Precious Metals
• APMEX
• AUBullion, Toronto
• Canada Gold, multiple office across Canada
• The Silver Standard
• Chards of Blackpool, Blackpool, UK

Canadian Maple Leaf gold & silver. U.S. Liberty gold & silver

Britannia

Sovereign

South African Krugerrand

U.S. Saint-Gaudens Double Eagle

Fine gold bars:

1 kilo bar

1 kilo bar

50g bar

1 oz bar

Gold Income

A relatively new company has developed a security to invest in gold and make income. Monetary Metals has issued a gold bond that has matured and, according to their website had a return of 13%, though it's not clear if that is in dollar terms or gold. They are looking to provide more issue to allow investors to earn gold as interest.

---

A few silver coins I'm looking at buying:

2012 War of 1812 3/4 oz

---

Precious Metal Stocks

Barrick Gold Corp.

Agnico Eagle Mines Ltd.

Newmont Corp.

Top 20 Gold Mining Companies in the World

Convertible Preferred Shares

Convertible preferred shares are one of the most conservative investments yet have an upside potential of the underlying common shares. Popular in the 1960s through to the 1980s few remain today.

I have found only 4:

Hecla Mining (HL-PB) $50 par value, convertible into 3.2154 common shares. $3.50 div.

Bank of America (BAC-L) $1,000 par value, convertible into 20 common shares. $72.50 div.

Wells Fargo (WFC-L) $1,000 par value, convertible into 6.3814 common shares. $75.00 div.

EPR Properties (EPR-PE) $25 par value, convertible into 0.4826 common shares. $2.25 div.

 

See the Preferred Stockchannel's convertible preferred list.

https://www.preferredstockchannel.com/slideshows/?slideshow=convertible&page=6