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1gv9mph | https://youtube.com/@canadianfinancepro?si=NOtZ2TreM4a9OnMp
Just wondering if anyone had come across his YouTube and could comment on whether this might be a good source of information for learning to invest as a Canadian. Appreciate any advice! | 2 | a_guy_in_ottawa | 2024-11-19T22:16:21 | null | Looking for help investing and came across this YouTube channel. Any feedback on this guy? | /r/CanadianInvestor/comments/1gv9mph/looking_for_help_investing_and_came_across_this/ | false | false | false |
1gvbkss | Edit: Thanks for the great advice everyone, I’m sticking to my plan. No gambling. Upgrade my income first. Keep this strategy going with more money.
I’m 27, and started investing last year after paying off my debts. My portfolio is mostly VFV, and a few companies that I believe in. Google, Amazon and Enbridge. About $10k all together. 60% VFV.
I see all these kids who are 20 and they’re turning 100%, 200% profits in like 2 months. Options with insane gains, just makes me question myself. What opportunities are they seeing that I’m not? People keep investing in horribly run companies that make no money and they’re coming out of their positions as a millionaire. Every time something like Tesla goes to the moon, I think wow it’s so overvalued that it’s stupid. And then the next day it goes up another 30%. What? Next day another 10%. What am I doing wrong? Everything I learned so far is contradicting with reality.
I’m seriously considering being more aggressive in the market and be okay with risking some money to potentially make bigger gains. I can’t see myself retiring before 60 unless I increase my job income 2x-3x.
My monthly expenses are around $1300 including rent and everything else. I live as frugally as I can. Not married, no kids, no mortgage. I make 43k grand post tax and deductions. Do you guys think it’s a good time for me to be take a few risks?
By risk I mean stopping/decreasing my contributions to VFV for a bit and increasing my individual holdings. Adding 1-3 companies that are fundamentally strong and maybe 1 risk play at a time. I’m trying so hard to resist the urge to invest in the meme stocks, to see if I can ride the bull and sell.
My gains are 20% in the last year, while S&P is 30% up on the same time period as I made some mistakes when I started. I haven’t lost any money since I started playing it safer. I just feel like an idiot. Any advice is appreciated
| 26 | HarvesterOfReveries | 2024-11-19T23:41:28 | null | My Gains are Not Bad But I feel Dumb | /r/CanadianInvestor/comments/1gvbkss/my_gains_are_not_bad_but_i_feel_dumb/ | false | false | false |
1gvbnxo | I am the executor for my brothers estate and will have to liquidate 20 or so GICs at RBC Direct Investing. It will be some time until the will is probated, and I can actually do it, but I would like to start thinking about the pros and cons of the options that RBC has provided. They are:
1. SELL all assets at market price
2. SELL all GICs on the secondary market
3. REDEEM all GICs at par value with a fee of $100 per GIC
I am not sure what the market price really is, but I can see from my brother's statements that each one has a market price beside it. Not sure of the value of selling or risk of selling on the secondary market. Also not sure what par value is, but in each case the market value listed is higher than the original purchase cost.
Any thoughts are appreciated. This is all new to me, as I have only traded in ETFs, mutual funds, and stocks. They seem very simple compared to this task of liquidating a whole bunch of GICs of different terms and different institutions. This along with 7 multi page forms that have to be filled out is making this a pretty daunting task. I am starting to see why executors get paid up to 3% if the estate value. Makes no sense in my case however as I would be just moving money from one pocket to another...
| 1 | UniqueRon | 2024-11-19T23:45:22 | null | Any Experience with GIC trading? | /r/CanadianInvestor/comments/1gvbnxo/any_experience_with_gic_trading/ | false | false | false |
1gvcxxm | Would be great to have a palantir cdr. Anyone know of an etf with alot of palantir exposure? | 0 | Maleficent-Star-2953 | 2024-11-20T00:44:24 | null | Palantir | /r/CanadianInvestor/comments/1gvcxxm/palantir/ | false | false | false |
1gvh2zl | Interesting article and checklist from RBC about the three different CRA registered investment accounts | 0 | real_ikonn | 2024-11-20T04:13:23 | null | Article on TFSA vs RRSP vs FHSA | /r/CanadianInvestor/comments/1gvh2zl/article_on_tfsa_vs_rrsp_vs_fhsa/ | false | false | false |
1gvk72f | 0 | Successful-World9978 | 2024-11-20T07:30:31 | null | TradingView Premium - Free Edition (Desktop, PC, Windows) | /r/CanadianInvestor/comments/1gvk72f/tradingview_premium_free_edition_desktop_pc/ | false | false | false |
|
1gvmxa3 | Your daily investment discussion thread.
Want more? Join our new [Discord Chat](https://discord.gg/4Q6mzTWz3D) | 18 | OPINION_IS_UNPOPULAR | 2024-11-20T11:00:28 | null | Daily Discussion Thread for November 20, 2024 | /r/CanadianInvestor/comments/1gvmxa3/daily_discussion_thread_for_november_20_2024/ | false | false | false |
1gvnex5 | What is the BMO equivalent to XEQT? Thanks | 2 | No-Document5447 | 2024-11-20T11:31:58 | null | XEQT equivalent | /r/CanadianInvestor/comments/1gvnex5/xeqt_equivalent/ | false | false | false |
1gvnkso | Hi all,
I was wondering if anyone takes the avg volumes in to consideration when investing?
For eg, I was looking at corp class etfs (for eg: HULC.TO) which seem very interesting but they have very low avg volumes in between 300-1500
Would this be concerning and something to stay away from in the event I cannot liquidate them in the future?
Thanks! | 1 | johnnyk997 | 2024-11-20T11:42:25 | null | Avg Volumes | /r/CanadianInvestor/comments/1gvnkso/avg_volumes/ | false | false | false |
1gvp0dz | I can't seem to find a clear answer (with source).
**Given**: Holding US-listed securities in a TFSA will not skirt US withholding taxes in a TFSA as the USA does not recognize TFSAs as a tax-free vehicle (unlike an RRSP, which it does recognize)
**Question**: While dividends/distributions from US-listed securities in a TFSA are subject to US withholding tax regardless. What happens to capital gains upon selling the security years later? Will you be served with some sort of notice that taxes are due back to the USA from the capital gain? My instinct is "no", but I can't seem to find that stated explicitly anywhere, curious if anyone else know where that scenario is spelled out or would be able to explain why it wouldn't happen. Thanks. | 4 | -Axle- | 2024-11-20T13:03:59 | null | Capital Gains Treatment for VOO/VFV/VSP in TFSA? | /r/CanadianInvestor/comments/1gvp0dz/capital_gains_treatment_for_voovfvvsp_in_tfsa/ | false | false | false |
1gvruxj | Hello everyone, I am wondering, is it better to add a fixed income ETF to XEQT (95% of my portfolio) like ZAG or would it be better to sell all my XEQT for XGRO? I am getting closer to retirement (8 years) and I want to include fixed income - for the sake of diversification! (even though I have a government pension fund). Thanks! | 6 | grossepouf | 2024-11-20T15:19:43 | null | XEQT + Bonds Etf or Xgro? | /r/CanadianInvestor/comments/1gvruxj/xeqt_bonds_etf_or_xgro/ | false | false | false |
1gvt15n | I’m 27 years old, and have previously been terrible with money. I got out of debt this year and owe nothing, and finally have a couple grand in my accounts.
I have 1.2k in a 4% GIC, 1.3k in a TFSA Savings Account, 2.5 in normal saving.
I want to start to get into money to start growing and was looking at TFSA investments with Wealthsimple and Tangerine but I’ve been warned not to keep all your accounts with one bank. But I like the idea of it being managed for me because I don’t understand stocks well.
I’ve tried reading Millionaire Teacher and Economics for Dummies, and the main idea seems to be Index Funds. But I don’t know which ones to invest in or how much to start.
I’m trying to get better at limiting my expenses and growing my extra income, but any advice on how to start this journey would be greatly appreciated.
Thanks | 1 | melodramaticnewguy | 2024-11-20T16:10:25 | null | Where to start? | /r/CanadianInvestor/comments/1gvt15n/where_to_start/ | false | false | false |
1gvt6ng | I know that it is more favourable to hold US ETFs like VOO instead of VFV in my RRSP because of the withholding tax.
But is there an advantage to be holding US based ETFs in my non registers account or should I just be buying the Canadian equivalent (in this case VFV over VOO)? | 2 | rteazee | 2024-11-20T16:16:55 | null | US ETFS and Stocks in Non Registered Account | /r/CanadianInvestor/comments/1gvt6ng/us_etfs_and_stocks_in_non_registered_account/ | false | false | false |
1gvvk8j | Anyone who has done this, were you considered a tax resident in the above situation even if you lived outside canada beyond 183 days? | 1 | Personal_Engineer_29 | 2024-11-20T17:54:04 | null | Renting out a home in canada while living abroad | /r/CanadianInvestor/comments/1gvvk8j/renting_out_a_home_in_canada_while_living_abroad/ | false | false | false |
1gw43jf | A review of historical CAD/USD data reveals a dramatic rise in trading volume from near-zero levels a decade ago to approximately 40,000 recently. What factors could have driven this surge?
Additionally, I'm curious about the unit of measurement for this volume. I'm guessing it is the number of contracts? If so how much dollar amount would likely to have been transferred? | 1 | ImDoubleB | 2024-11-21T01:18:13 | null | CAD volume | /r/CanadianInvestor/comments/1gw43jf/cad_volume/ | false | false | false |
1gwdoc6 | Your daily investment discussion thread.
Want more? Join our new [Discord Chat](https://discord.gg/4Q6mzTWz3D) | 20 | OPINION_IS_UNPOPULAR | 2024-11-21T11:00:26 | null | Daily Discussion Thread for November 21, 2024 | /r/CanadianInvestor/comments/1gwdoc6/daily_discussion_thread_for_november_21_2024/ | false | false | false |
1gwfhij | 24 years old living in BC. i currently have $3 000 invested in a low/medium risk mutual fund through my credit union in an rsp account. i contribute $250 a month into this account. the funds MER is 2.32% and average return over the last 10 years is 4.8%. correct me if im wrong but none of this sounds appealing to me looking back, however its called NEI select growth and income RS portfolio so maybe the income emphasis pulls it?
i earn $125 000 a year and thats likely to increase a little closer to $200 000 a year throughout my career. i have a union pension my employer contributes $7/hour towards and 4 years in already have just under $500/month built up. the guy at the credit union initially suggested a tfsa to me because of my pension making me a high earner in my retirement but he switched to an rsp mindset upon me telling him my anual income.
i also have a mortgage with a balance of $390 000 to pay ($2 160/month) if this matters
talking to my foreman and a few other guys at work. my foreman said mutual funds are the worst and an ETF will have much lower fees that will help everything compound more and the guys have me worried that my union pension which will have decades of growth by the time i retire will make my rsps get taxed like theres no tomorrow. this all have me thinking though. is an rsp *really* better than a tfsa for my scenario and is this mutual fund some junk i need to get rid of and restart with ETFs? TIA | 3 | sharknado__ | 2024-11-21T12:48:45 | null | please help my rsp (or tfsa?!) | /r/CanadianInvestor/comments/1gwfhij/please_help_my_rsp_or_tfsa/ | false | false | false |
1gwjvj1 | Hello! I'd really like to invest in Archer but it is only on the NYSE. Is there a way to do this in Canada? I'm using Wealthsimple and am only a few days into investing. Should I go into the NYSE? How do you manage your interest in American companies as a Canadian? | 0 | Loudnoutakey | 2024-11-21T16:50:26 | null | Archer Aviation in Canada? | /r/CanadianInvestor/comments/1gwjvj1/archer_aviation_in_canada/ | false | false | false |
1gwkspq | I have shares in this etf. I want to sell and move my money to another bank. Will I lose my payout if I sell before the end of the month or is it pro rated to when you sell? | 1 | Technical_Feedback74 | 2024-11-21T17:25:57 | null | ZST | /r/CanadianInvestor/comments/1gwkspq/zst/ | false | false | false |
1gwncch | WealthSimple is now offering Covered Calls. Has anyone tried this service and how does it compare with other brokerages?
| 19 | ron724 | 2024-11-21T19:03:48 | null | WealthSimple Covered Calls? | /r/CanadianInvestor/comments/1gwncch/wealthsimple_covered_calls/ | false | false | false |
1gwthmt | Hi folks! Looking for some advice. I'm upgrading from a townhome to a detached home in January. Both deals are firm. I will be setting aside 100k from the sale of my current home to finish the basement in the new home and potentially install a fibreglass pool.
Where should I temporarily park 100k? It will definitely be going into my wife's TFSA (up to her max contribution limit). In searching this post, I have seen CASH.TO and CBIL come up quite a bit. I would be grateful for any advice. Thank you. | 0 | Hotmeal82 | 2024-11-21T23:23:46 | null | Where to temporarily park 100K? | /r/CanadianInvestor/comments/1gwthmt/where_to_temporarily_park_100k/ | false | false | false |
1gwuq9u | Please give me a simple answer. I am just a simple man. | 0 | kManRelax | 2024-11-22T00:20:13 | null | I’ve 10k to invest now. XEQT or XWD or XAW, which one should I put all my money into for long term investment? | /r/CanadianInvestor/comments/1gwuq9u/ive_10k_to_invest_now_xeqt_or_xwd_or_xaw_which/ | false | false | false |
1gwvd5v | Here is my situation. I (51yr) am about to retire and live off a defined benefit pension of 70k a year. My wife (45yr) has a full time job and makes 85k a year. We live in Canada own our home and have zero debt right now. I have 65k in a low risk RESP with BMO. My child just started university. We have 285k in a medium risk mutual fund (RRSP). I just inherited about 200k and I'd like to invest this to have about 75k ready for withdrawal in the next 5 years and the rest for withdrawal perhaps in the next 15 years. I have some small amounts in WS in ETFs (XEQT, XBAL, VGRO and XSP). What would would be a good investment strategy. I will be moving the mutual fund over to WS at some point soon as well. | 7 | IntroductionOk5386 | 2024-11-22T00:50:37 | null | Looking for investing advice | /r/CanadianInvestor/comments/1gwvd5v/looking_for_investing_advice/ | false | false | false |
1gx0wap | Brief background:
Fintech professional and recently conducting workshops on any topic related to financial markets and options trading.
Just want to rant on not being able to find a investor to back me up on my trading startup.
Got caught in Catch 22 :) | 0 | Sea-Butterscotch-243 | 2024-11-22T05:45:00 | null | Feeling frustrated for not finding any investor | /r/CanadianInvestor/comments/1gx0wap/feeling_frustrated_for_not_finding_any_investor/ | false | false | false |
1gx5a1x | Your daily investment discussion thread.
Want more? Join our new [Discord Chat](https://discord.gg/4Q6mzTWz3D) | 2 | OPINION_IS_UNPOPULAR | 2024-11-22T11:00:30 | null | Daily Discussion Thread for November 22, 2024 | /r/CanadianInvestor/comments/1gx5a1x/daily_discussion_thread_for_november_22_2024/ | false | false | false |
id | This is a sample post content. Just for demonstration purposes! | 457 | sampleUser123 | 2023-10-26T14:30:45 | Discussion | Sample Post Title: How to Use Hugging Face? | /r/sampleSubreddit/comments/sampleID/sample_post_title_how_to_use_hugging_face/ | false | false | false |