Datasets:

alvanlii

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reddit-CanadianInvestor

like 2

1g0z2iz

https://financialpost.com/pmn/business-pmn/fired-rbc-finance-chief-nadine-ahn-hired-by-canaccord-genuity

FloorGeneral2029

Fired RBC CFO Nadine Ahn Hired by Canaccord Genuity

/r/CanadianInvestor/comments/1g0z2iz/fired_rbc_cfo_nadine_ahn_hired_by_canaccord/

1g0zp6j

FloorGeneral2029

Canaccord Genuity hires fired RBC exec Nadine Ahn as deputy CFO

/r/CanadianInvestor/comments/1g0zp6j/canaccord_genuity_hires_fired_rbc_exec_nadine_ahn/

1g10hs2

I have 2000$ that I would like to put away im thinking about putting 1500$ in enb.to and 500 in hyld.to to start holding and making dividends is this a good starting plan or should I put my money else where

Goatath

I've just turned 18 and starting to invest

/r/CanadianInvestor/comments/1g10hs2/ive_just_turned_18_and_starting_to_invest/

1g13k6f

To my fellow Canadian Traders/Investors, Don't feel belittle and hard on yourselves for being selective & sophisticated when we pay premium price for it. Needless to say that letting go our one of a kind masterpiece Thinkorswim felt like a punch in the gut. Even after paying $7-10 per trade we lost our gem. However, where there is a hope and pure intentions things should fall together in our favour. I am telling ya i am feeling good about this. So, i took initiative and made a Facebook/Meta group the link of which i posted above. To those who are in similar situation I am genuinely requesting you to join the club and turn the table together. Lets bring our TOS back to Canada🇨🇦. Lets go soldiers!!!🙌🏻🫡 WMK

Lamboowner1199

TD thinkorswim for Canadians🇨🇦

/r/CanadianInvestor/comments/1g13k6f/td_thinkorswim_for_canadians/

1g16842

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OPINION_IS_UNPOPULAR

Daily Discussion Thread for October 11, 2024

/r/CanadianInvestor/comments/1g16842/daily_discussion_thread_for_october_11_2024/

1g1711i

I am considering wealthsimple 1% match. Would it make sense to put half in CASH.TO (same as TDB2913) and then half in say XEQT and then every month DCA some CASH.TO into XEQT? Alternatively is there a better option than 1% match at wealthsimple?

Warptrooper

100k in TD TFSA TDB2913 and need advice on switching to wealthsimple or other

/r/CanadianInvestor/comments/1g1711i/100k_in_td_tfsa_tdb2913_and_need_advice_on/

1g1bmfa

4 years later, could I be up more if I went all in on another sector? I stopped contributing in 2023 as my bills went up. Hope to be able to invest more in the future. I would be up a few extra 10s if I went all in July 2019.

ttmotw

Up 70k all time in a tech ETF from July 2020. How would it compare to other sectors?

/r/CanadianInvestor/comments/1g1bmfa/up_70k_all_time_in_a_tech_etf_from_july_2020_how/

1g1bnu8

As the title states I've got a approximately 30k sitting in cash from the sale of some old company stock that went up in price. I will likely need cash in the next 4 to 6 months to pay for some home repairs to the tune of 20 to 30k. I was thinking of just buying a MM ETF but am unsure if that is the best way to go. Any advice is welcome.

Snaxxwell

30k in tfsa, need advice on what to invest in short term as cash will likely be needed within 3-6 months

/r/CanadianInvestor/comments/1g1bnu8/30k_in_tfsa_need_advice_on_what_to_invest_in/

1g1e26q

Hey all, Background: I'm born and raised in Canada but my mother is from France. I took the steps back in university in early 2000s to get my citizenship and passport, and have kept it up to date. I speak and write fluent French but haven't really been back there much since those days. Anyways fast forward to today: we have the opportunity to purchase a small piece of land in the family hometown in France, maybe a quarter acre in size with a small house on it. Very small town - only ~5k people. It's just down the street from the old family property that my uncle still owns. We want to scoop this house up and bring it in to the family for the next generation of kids. It's valued around s $255K EUR. This would be a cash purchase. I'm just curious if anyone here has done this as a dual national CAD/FRA? How would this work from a tax perspective? Whats the best way to move the $ over there to finalize the purchase? I've never owned foreign property. Our primary residence would still be in Canada and we wouldn't move over there or retire over there or anything. We would maintain ownership while remaining in Canada (family living over there would action maintenance and utilities etc on our behalf). I understand that France and Canada have a tax treaty that avoids double taxation, but I don't know much about. If anyone has personal experience to share with property ownership abroad as a dual national, please share you experience here. TIA

lynnaray

Dual Citizenship (Canada/France) - how to buy property over there?

/r/CanadianInvestor/comments/1g1e26q/dual_citizenship_canadafrance_how_to_buy_property/

1g1eeqz

Am I missing the bear case here, or is it just trading so low given the small market capitalization and governance dilemma from the control of the Hammond family? The company has grown 15% for the past few years, and has similar tailwinds from energy transition, data centers, and technology in general as its much faster growing sibling company Hammond Power Solutions (also a great company that trades at a discount to its peers, but not as much as Hammond Manufacturing). Sub 6x P/E is fantastic, minimal debt, the management is paid a reasonable amount of money (shocking given ownership). It looks like they just do zero IR They allegedly also own real estate on their balance sheet with a suspected value in excess of the current market capitalization.

acardboardpenguin

Hammond Manufacturing

/r/CanadianInvestor/comments/1g1eeqz/hammond_manufacturing/

1g1ei6d

Business is great and trades cheap due to over 70% ownership by a Singapore investment shop. The principals of that shop pay themselves millions of dollars in bored fees, but honestly the business is growing fantastically and the stock price is more than reflective of that issue. My question is what those guys do in the long-run? Are they going to keep doing share buybacks to increase their holding to the point where they buy out other shareholders for a 300% premium and still make out like bandits? There seems to be zero interest in utilizing their capital markets presence through bought deals etc. Hell they don’t even use the debt markets.

acardboardpenguin

What is the end-game for Taiga Building Materials?

/r/CanadianInvestor/comments/1g1ei6d/what_is_the_endgame_for_taiga_building_materials/

1g1hsfw

I just found out about E-mini S&P 500 futures trading today. I've done a little research but I'm still a little confused how it all works--hoping the gurus here can provide a simple explanation. Would this type of futures trading be better/worse than simply VFV/VOO if wanting to invest in the S&P 500?

canadave_nyc

ELI5 S&P 500 E-mini futures trading. Is it better than an ETF for long-term investors?

/r/CanadianInvestor/comments/1g1hsfw/eli5_sp_500_emini_futures_trading_is_it_better/

1g1hv1e

First time using BMO for Norbert & saw someone on reddit recently say Inter-listed stocks is no longer available. Is that true? "I used to do the NG with dual listed stocks on BMO. They don’t allow it any more and you can only do it with DLR and DLR.u." Also can I do NG with Non-registered Cash account or do I need a Margin account?

emanonx90

BMO Norbert's Gambit | Inter-listed Stocks Possible?

/r/CanadianInvestor/comments/1g1hv1e/bmo_norberts_gambit_interlisted_stocks_possible/

1g1hxsp

I've seen a lot of posts about TD's Investment Savings Account (TDB8150) saying that it is technically a mutual fund but doesn't have an MER. When I look at the terms and conditions though, it states that "The Bank may pay, monthly or quarterly, compensation to your Dealer at an annual rate of up to 0.25% of the daily closing balance in the TD ISA." This to me sounds an awful lot like the ISA has a MER of 0.25%, but I don't think I've read anywhere on any forum that people have said that it does. Am I missing something?

Shueiji

MER in TD ISA

/r/CanadianInvestor/comments/1g1hxsp/mer_in_td_isa/

1g1inll

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OPINION_IS_UNPOPULAR

Weekend Discussion Thread for the Weekend of October 11, 2024

/r/CanadianInvestor/comments/1g1inll/weekend_discussion_thread_for_the_weekend_of/

1g1l178

Hello, I’m looking at putting more of my money that’s sitting around into a TFSA GIC but my bank (CIBC) in the app then asks if I want to “hold my investment” in an existing TSFA GIC (non-redeemable, maturing in April 2025) or start a new one. The interest rate for this existing TFSA GIC is 4.9% while the current offer is 3.8% so if I select my existing one, I don’t understand if that means the money will merge together and it’ll all mature together on April 2025 and also have the 4.9% rate, or if it’s a separate chunk of money with the 3.8% rate and different maturity date, but in that case I don’t understand the difference between adding to the existing GIC vs starting a new one. The app also lets me select a term length different from the existing GIC 🤷‍♀️ Thanks in advance for your time!

pomelopomelo

Adding to existing GIC vs opening new GIC

/r/CanadianInvestor/comments/1g1l178/adding_to_existing_gic_vs_opening_new_gic/

1g1ls6n

Hi I wanna buy a home in Arkansas What would I meed exactly? Im a Canadian born Citizen, Toronto Ontario I plan on buying Cash price ($250,000) Someone told me I gotta get my passport certified? And possibly SSN? Can someone who has done this or knows explain in steps for me please Thank you so much

burnttoast14

Buying Property in USA as a Canadian?

/r/CanadianInvestor/comments/1g1ls6n/buying_property_in_usa_as_a_canadian/

1g1wqsx

What are your favorite bond ETFs and why? Building a retirement fund with ETFs and need bonds to balance things.

Betanumerus

Canadian Bond ETFs

/r/CanadianInvestor/comments/1g1wqsx/canadian_bond_etfs/

1g20inw

UPDATE FOR CLARITY im aware that I cant write off what i borrow to put in my tfsa. What i want to know is , and numbers are purely hypothetical: If i have 10,000 out on margin. Total account pulling 1000 month I move 1000 to my tfsa The original 10,000 is deductable, the new 1000 is not. Next month when I receive 1000 : Do I now have 10,000 that is deductable or Do I have 9000 that is deductable and 1000 that is not? ----------------- Say I have negative 10$ cash because im using margin. if i move 5$ to my tfsa, and recieve 5$ in dividends, does that negate the 5 i moved first, or the 5 i borrowed on margin and invested first? I can see lological arguments to both. Basically, the intent of the question is, am I going to have to sell off positions so that I have a positive cash balance before moving to avoid interest being attributed to cash instead of investments for tax write off purposes?

paradoxcabbie

Hoping for some advice on a component of margin use.

/r/CanadianInvestor/comments/1g20inw/hoping_for_some_advice_on_a_component_of_margin/

1g21bp1

28, empty TFSA & RRSP. $100k equity in a cash flowing rental, $65k cash, $15k crypto, income is around $150k, no debt. Trying to figure out what ETFs to lump-sum into - looking at the common bets like VFV, XEQT, VOO, VTI. They’ve all performed so well YTD, 20%+… are these extraordinary returns? Are these all still “safe” bets to lump-sum into right now? Completely new to all of this. Any advice appreciated.

External_Cow_2662

About to lump-sum $50k into ETFs

/r/CanadianInvestor/comments/1g21bp1/about_to_lumpsum_50k_into_etfs/

1g22kyb

Avoid TD for the next few years or buy low and hold long term?

Temporary-Nothing-17

TD long term

/r/CanadianInvestor/comments/1g22kyb/td_long_term/

1g273cj

**EDIT: Sorry, I meant HYLD and HDIV, not HMAX.** I've read some threads on this, and there's clearly some differences of opinion on these, but I want to get opinions based on my specific situation. My wife and I are going to be retiring in a couple of years. When that time comes, we believe we'll have around $1.7 million in investments--roughly about a third TFSA, a third RRSP, and a third non-registered. We're aiming to have a yearly income of at least around $160K total, before taxes, when we retire. We'll also have about $30K in pension each year, total, before taxes. In considering our options, we see HYLD/HDIV have a dividend that's pretty consistently between 10-12%. Based on our $1.7 million at retirement, that would yield us at least around $170K per year, which would be perfect for us. The attractive part of this to us is that even if the stock market goes down some years, we would still be close to the same yearly income, without having to sell off assets (which would hopefully rebound in time). Alternatively, some people say "just own the underlying stock market, because otherwise you're giving up gains/growth." That may very well be true. However, our fear is what might happen if the stock market is down for a couple of years or so. We would then have to sell off assets at a diminished price, which we wouldn't be able to buy back, and would eat into our nest egg. We are perfectly okay with giving up some percentage of potential growth of our portfolio in exchange for more "cost certainty", a relatively steady and predictable month to month income that meets our needs, and being able to hold onto our assets long-term. Does HYLD/HDIV perhaps make sense for us, in this particular scenario, compared to other scenarios in which it might not?

canadave_nyc

question on Hamilton covered call ETFs (HYLD, HMAX) vs owning an S&P 500 ETF

/r/CanadianInvestor/comments/1g273cj/question_on_hamilton_covered_call_etfs_hyld_hmax/

1g2cz4l

It hasn’t been around too long but it seems like they aim for a price point of $20. It’s almost 1% below that at $19.83 right now. It’s a pretty big drop in only about 2 weeks for an ETF that’s meant for short term savings. Ideally I’m looking to use this instead of CASH.TO but now I’m unsure. Anyone have any ideas as to why it’s come down?

CrispyMeltedCheese

Why is PAYS.TO down?

/r/CanadianInvestor/comments/1g2cz4l/why_is_paysto_down/

1g2etqe

I am receiving 170k USD on Monday/Tuesday and need to exchange to CAD. The forecasts show USD continue to go up with a high of .41 on the 30th. Just wanted some opinions from internet strangers on when you would convert it if you were in the same position. Thanks!

gabahgoole

USD to CAD next few weeks...

/r/CanadianInvestor/comments/1g2etqe/usd_to_cad_next_few_weeks/

1g2rysl

Hi Reddit, I’m currently in my late twenties and wanted some advice on my situation. In a few years I should have maxed out my TFSA lifetime contribution room. My FHSA contribution room, and as for my RRSP I don’t currently make enough to need to lower my taxes that much? So I think it’s wise to start thinking about my next plan of action and consider alternate investments. I’m guessing I won’t be able to avoid opening a taxable brokerage account? And through that I can start investing in other things? Below I’ve added a list of my current ideas for alternate investments but I’m not sure how best to proceed and what the best next step would be. Investing in farmland is also something. I’ve considered. - Masterworks (own shares of art pieces) - private equity fund through wealthsimple - private credit fund through wealthsimple -bitcoin - I am not looking at real estate now, first because my income is too low for the mortgage payments, second because I’d like to utilize my FHSA

Illustrious_Style549

Thoughts on these alternative investments ? And my situation

/r/CanadianInvestor/comments/1g2rysl/thoughts_on_these_alternative_investments_and_my/

1g2wbdy

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OPINION_IS_UNPOPULAR

Overnight Discussion Thread to Kick Off the Week of October 13, 2024

/r/CanadianInvestor/comments/1g2wbdy/overnight_discussion_thread_to_kick_off_the_week/

1g2y15c

I have had one thread and one post removed recently by moderators for reasons that entirely escape me and will no longer be posting. Been on social media since UseNet and have never seen anything quite like this.

solvkroken

Why I will no longer post to r/CanadianInvestor

/r/CanadianInvestor/comments/1g2y15c/why_i_will_no_longer_post_to_rcanadianinvestor/

1g2zp16

Recently opened a new portfolio and am adding some stocks that I am interested in wdyt? I'm thinking of also adding DML, CGY, CVV, NXE and the ETF XAD to round it out. As you may have noticed, I enjoy holding uranium stock haha. Should I just buy U.UN or HURA?

C9_Tilted

Need some input on what stocks to buy to round out my portfolio

/r/CanadianInvestor/comments/1g2zp16/need_some_input_on_what_stocks_to_buy_to_round/

1g3c8ob

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OPINION_IS_UNPOPULAR

Daily Discussion Thread for October 14, 2024

/r/CanadianInvestor/comments/1g3c8ob/daily_discussion_thread_for_october_14_2024/

1g3dv7d

Just looking for opinions to see if TD is a buy right now based on the recent news and price drop. Curious to see the thoughts on a potential rebound once the dust has settled. Thanks!

Stank-Pappy

Is TD a buy right now?

/r/CanadianInvestor/comments/1g3dv7d/is_td_a_buy_right_now/

1g3jck3

https://www.reddit.com/r/CanadianInvestor/s/56HeQey8VU This thread promoted me to evaluate my own similar situation Canadian living in Canada working as a consultant being paid in USD I have a sizeable portfolio in VOO/VXUS in USD in a corporate investment account (registered maxed out) For years I have just saved myself the FX and invested the USD straight into US holdings and it has worked out for me But now I’m thinking - probably a little risky to continue this as a decent dip in USD would drastically impact my portfolio Since the holdings would be subject to tax, is there a way to transfer some of it or all of it in kind to CAD equivalents through the brokerage? Or would I have to sell, pay the tax , and buy the CAD equivalents? The tax bill would be quite high (probably to the point where it would be equivalent if an effect to a massive dip in USD that has yet to happen) where I think it may make sense to leave it alone and move to converting moving forward instead but I thought I’d ask Thanks in advance

TelephoneOdd8772

Question about USD holding/what makes sense as Canadian paid in USD

/r/CanadianInvestor/comments/1g3jck3/question_about_usd_holdingwhat_makes_sense_as/

1g3jpho

All full-time and not full-time investors here. I’ve been investing the last few years & I’m trying to figure out a good stack/ way to get updated and quality data/information, to make my stock investment decisions. (Buy /hold/sell)…. like for example, institutional and professional traders use a Bloomberg terminal or the Reuters terminal. There are so many paid unpaid blogs, and people randomly talking about stuff on forums/ Subs. Would love to hear how folks are managing this?

Searchingstan

How do you look/ get info for your stock decisions?

/r/CanadianInvestor/comments/1g3jpho/how_do_you_look_get_info_for_your_stock_decisions/

1g3msaz

Hi everyone, looking for some advice on my investment strategy! I’m in my early 30s and currently hold 100% XEQT in my TFSA, and 100% RBC U.S. Equity Index ETF in my RRSP (with a 5% employer match benefit). Since my TFSA and RRSP are maxed (I’m fairly new to Canada, so I have limited contribution room), I’ve recently started investing 100% XEQT in a Non-Registered account to not leave the money parked in my regular bank account. My goal is long-term growth (15-20+ years), and I’ve been contributing regularly with every paycheck. However, I’m wondering if my current strategy is optimized for tax efficiency, simplicity, or overall growth potential. After doing some research and reading information in different threads, I came across this suggested portfolio allocation for better tax and growth efficiency: TFSA (Growth Focus): * 50% XEQT (Global Equities) * 30% VCN (Canadian Equities) * 20% XIT (Canadian Tech Sector) RRSP (Leveraging U.S. Tax Treaties): * 60% VTI (U.S. Total Market) * 20% XQQ (U.S. Tech Sector) * 20% XLE (Energy) Non-Registered Account (International & Tax Efficiency): * 50% XEF (Developed Markets except U.S.) * 20% ZEM (Emerging Markets) * 30% XEQT (Global Equities) I’d love to get your thoughts: * Does this allocation make sense for long-term growth? * Should I stick with my current all-XEQT strategy or consider optimizing based on this new suggestion? * Any tips on tax efficiency or other factors I should be thinking about? I’m fairly new to investing, so if I’m missing anything important, or if there's a better approach I should be considering, I’d really appreciate your feedback. Thanks in advance for your help!

Bipolar_Capybara

New Investor in My 30s: All-XEQT the Best for Long-Term Growth, or Should I Adjust?

/r/CanadianInvestor/comments/1g3msaz/new_investor_in_my_30s_allxeqt_the_best_for/

1g3qe28

Hello everybody! I am just wrapping my head around QTrade and their fee structure. If I: 1) Create an account. 2) Transfer in $1,000 to start, and set up a monthly contribution of $100 or $500 or whatever per month that goes into an RRSP and/or TFSA. 3) Put it into one of the free ETFs, like XGRO or XEQT. 4) Set it to re-invest dividends. 5) Leave it alone for a decade. Would I be obligated to pay any fees? Thank you, in advance, for any advice you may have!

Hope-To-Retire

First time investor: Can QTrade be free?

/r/CanadianInvestor/comments/1g3qe28/first_time_investor_can_qtrade_be_free/

1g3r5ru

With the Russo-Ukraine war going 10 years, we do not expect peace to be achieved any time soon. With the Ukrainian offensive into Kursk, it seems the tide is turning in the war at least for the moment. Ukraine has been receiving foreign aid in the tens of billions for quite some time, but turns out if you're an individual you can also participate in the effort through the form of "Peace Bonds". 1 year peace bonds denominated in UAH currently yields 16.5%. [https://online.icu/en/#chart-tab-1](https://online.icu/en/#chart-tab-1) Accounting for FX, the hryvnia has depreciated against CAD by 10% in the past 12 months. Which means accounting for the FX risk we should be able to see around 5-6% returns on these bonds. Of course it is not without risks, Ukraine recently undergone debt "restructuring" which >include an 37% upfront principal haircut, as well as significant coupon reductions and maturity extensions [https://www.whitecase.com/insight-alert/ukraine-concludes-historic-restructuring-us205-billion-international-bonds](https://www.whitecase.com/insight-alert/ukraine-concludes-historic-restructuring-us205-billion-international-bonds) If we see another similar debt restructuring, 37% off on 1, you're losing money there but let's see where are at. I'm not suggesting anyone who's tight on money should invest in these bonds. However for those who don't mind doing a little bit of activist investing for ants on the side. These are some interesting alternative investments you can consider. Sure as heck less morally ambiguous than Israel Bonds. [https://www.israelbonds.ca/](https://www.israelbonds.ca/)

TheCuriousBread

Ukrainian Peace Bond - 16.5% PA

/r/CanadianInvestor/comments/1g3r5ru/ukrainian_peace_bond_165_pa/

1g3u6v1

I am happy with my results from these S&P ETFs for that part of my portfolio, but think it would be best to broaden my base. Suggestions for ETFs based on NASDAQ, etc? I want a full or heavy emphasis on US economy. Thanks in advance…

Lorenzo56

ETF alternatives to ZSP and VOO

/r/CanadianInvestor/comments/1g3u6v1/etf_alternatives_to_zsp_and_voo/

1g3w0s3

I must admit that I am not accustomed to leaving parties early. However, upon reviewing my financial accounts, I was astounded by the substantial appreciation I have experienced since January 2023. While I am grateful for this growth, I am aware that such a trend cannot persist indefinitely, as I have witnessed significant losses during previous market downturns. I am curious to know if others are considering withdrawing some of their investments and what indicators they are using to make such decisions. Edit: Thank you for your insightful comments. I have been a long-term investor with a moderate to high-risk tolerance. As I approach the end of my corporate career at the age of 51 and near retirement, I am reviewing my assets. I recognize that a potential economic downturn could impact my work trajectory.

JustAHumbleMonk

How does this bull run end.

/r/CanadianInvestor/comments/1g3w0s3/how_does_this_bull_run_end/

1g3xgvw

With the Israel-Hamas-Lebanon-Iraq-Syria-Iran-Klingon(?) conflict dragging on, you may have seen footage of Iranian missiles striking Israel or the iron-dome at work intercepting Hezbollah rockets. Well defending against terrorists is expensive. These Iron-dome missiles, they are $50,000 each. The arrow missile? 3.5M each. There's an investment opportunity that's rather popular among the jewish community that you can also invest in. It is called the Israel Bond. Sold in Canada through Canada-Israel Securities Limited. [https://www.israelbonds.ca/how-to-invest/](https://www.israelbonds.ca/how-to-invest/) In terms of rates it's about on-par with other GICs on the market right now. There are different series with names like eShalom, Maccabee, Jubilee, Sabra, eMazel Tov. * 1 year: 3.78% * 2 years: 3.55% * 3 years: 3.75% * 5 years: 4.37% * 10 years: 4.76% * 15 years: 4.86% They are there about, the rates depend on the series but are within 0.1% of each other. They are traditional bonds, which means they are held to maturity and there are no secondary markets for them. However if you have say a Jewish girlfriend and want to gift the parents some bonds, you can do that. All on the website, even can get a nice card. Customer service is fantastic, after making an account they give you a nice number and an email to call in case you need help setting up the account. If not that's fine too. Something to consider.

TheCuriousBread

Israel bond - supporting the defence of Israel AND get paid

/r/CanadianInvestor/comments/1g3xgvw/israel_bond_supporting_the_defence_of_israel_and/

1g3xv5e

I'm 21 uni student in canada and have around $1400 in my tfsa currently. My budget in $200 every month for now(atleast a year). I wanted to invest in s&p500 but I hate those 1.5% conversion fees. Is there a way I can invest in an etf that has similar companies/growth but I don't pay those fees? I use wealthsimple if that helps. Thanks.

Bubbly_Knowledge8857

Need help as a newbie

/r/CanadianInvestor/comments/1g3xv5e/need_help_as_a_newbie/

1g3yb7m

Hi - I was mostly getting income from GICs, but with rates dropping wondering if people have any ideas on dividend stocks.

Fit-Tennis-771

favourite dividend stocks

/r/CanadianInvestor/comments/1g3yb7m/favourite_dividend_stocks/

1g3yzk8

Hey everyone, I have a TFSA account with TD and I’m ready to begin investing. My plan is to allocate 50% into ETFs like XQQ and VFV, 40% into a cash fund, and 10% into individual stocks.I'm trying to decide which platform to use. TD is known to be more secure but their fees are generally higher. On the other hand, online brokers like moomoo offer lower costs. What are your thoughts? Would love to hear any advice or experiences! Thanks in advance!

ukambanaWB

Bank investing like TD or broker investing like moomoo?

/r/CanadianInvestor/comments/1g3yzk8/bank_investing_like_td_or_broker_investing_like/

1g3z1sj

Been seeing more of these lately. What makes these ETFs better than a DIY approach to options or other actively managed ETFs. Figured would be great to have a discussion on this (Mods, hope it’s okay?)

obiwankenobisan3333

Thoughts on alternate ETFs that use options startegy

/r/CanadianInvestor/comments/1g3z1sj/thoughts_on_alternate_etfs_that_use_options/

1g4436s

Your daily investment discussion thread. Want more? Join our new [Discord Chat](https://discord.gg/4Q6mzTWz3D)

OPINION_IS_UNPOPULAR

Daily Discussion Thread for October 15, 2024

/r/CanadianInvestor/comments/1g4436s/daily_discussion_thread_for_october_15_2024/

1g461d4

[10-15-24 Greed And How To Lose 100% Of Your Money (youtube.com)](https://www.youtube.com/watch?v=acqg2G62gh4)

78_82Hermit

Something on the guy who is suing RBC for losing his $450M

/r/CanadianInvestor/comments/1g461d4/something_on_the_guy_who_is_suing_rbc_for_losing/

1g46qlc

phoenixfail

Annual inflation fell to 1.6% in September

/r/CanadianInvestor/comments/1g46qlc/annual_inflation_fell_to_16_in_september/

1g480i5

When 2 companies are pretty much the same why not just buy the one with the lower price? I think of Visa/ MC, CP/CN, many ETFs.

Zorg65

Same company different price

/r/CanadianInvestor/comments/1g480i5/same_company_different_price/

1g4foek

I have a large position in EQB (Equitable Bank) and was supposed to receive a dividend/DRIP Sept 27, 2024 but there's nothing in my BMO Investorline account. Is BMO just very slow, was wondering if anyone else is having issues? Declaration date August 28, 2024 Record date September 13, 2024 Payment date September 27, 2024 Dividend per share $0.47

bgballin

Dividend payout, DRIP, BMO Investorline

/r/CanadianInvestor/comments/1g4foek/dividend_payout_drip_bmo_investorline/

1g4hncl

Recently came into a large sum of money and am looking to invest. My problem is that Im maxed out in both tfsa and rrsp accounts. My bank is offering a little better than 4% on a five year gic but Im not that keen on it. Also not that crazy about the mutual funds they are pushing because of the high fees. Any ideas?

heymikey68

What to do with $100 000?

/r/CanadianInvestor/comments/1g4hncl/what_to_do_with_100_000/

1g4lld5

If I wanted to move to IBKR from Questrade, as I typically only invest in USD, specifically talking about a cash account. If I didnt want to take the tax hit nor pay the $150, could I transfer to WS then from WS go to IBKR? Would my costs basis be ruined or will it all transfer seamlessly?

Randomizer23

Avoid Questrade's $150 transfer fee?

/r/CanadianInvestor/comments/1g4lld5/avoid_questrades_150_transfer_fee/

1g4mgyv

Hi, I saw different tickers for buying US Bonds in Canada **XGB**, **HTB** . Imagine there are other as well and wondering which you reccomend. Thanks

yanks09champs

Preferred Canadian ETF for buying us Bonds 7-10 years

/r/CanadianInvestor/comments/1g4mgyv/preferred_canadian_etf_for_buying_us_bonds_710/

1g4oj0y

Hi, I need advice on my portofolio, so far is been working well for me but I have a bit more money to invest and I was wondering if someone could help me deciding if I should spread it across the 4 etfs I already own or diversify more and buy new ones that I might not be aware off. I'm only interested on long term. Cheers

frencho100

Need advice on my ETF potofolio

/r/CanadianInvestor/comments/1g4oj0y/need_advice_on_my_etf_potofolio/

1g4osno

Hi everyone, I’ve been working for 2 years and slowly building my portfolio. Currently, my DCPP (matched by employer) and my TFSA are tied with Sun Life’s Granite 2060 fund. I’ve been looking into other funds to maximize my returns and I’d like some feedback. For example, I’ve been thinking of diversifying to the BLK US Equity Index Segregated Fund (which essentially tracks the S&P500). Is this a sound idea? Are there other funds I should consider? I’m thinking of something around 50/50 SL Granite 2060 fund and BLK US Equity Index. Should I invest more in Blackrock’s fund? Has a higher return and I don’t mind leaving my money there for a while. Any feedback/comments to get more financially literate are appreciated!

InternationalCatch3

DCPP/TFSA Sun Life investing

/r/CanadianInvestor/comments/1g4osno/dcpptfsa_sun_life_investing/

1g4prz7

In the last 12 months I'm up 28% on my TFSA (didn't beat the SP500 annoyingly enough despite being decently active). But I suspect opportunities like we saw this year won't come again next year. I'm looking at a safe 8% off investing in short term mortgages versus 5-6% in bonds/dividend stocks. My worry is for the mortgages that in a year when I get my money back the bonds/dividends will be paying 3-4% instead. Plus they can't go up in value like a high dividend stock/bond will when rates go down. So my question to you all is what % return do you seek for relatively safe investing?

Ok_Currency_617

What % do you expect to earn a year?

/r/CanadianInvestor/comments/1g4prz7/what_do_you_expect_to_earn_a_year/

1g4qzom

Registered accounts maxed out so moving into non-registered. I know about the Canadian dividend tax credit, but seems like it’s not a good enough incentive to buy stocks I don’t want. From a quick analysis of my RRSP, which is heavy in low-dividend (mainly S&P-tracking) ETFs, it seems like I earned $1,200ish in dividends this year. Paying tax on that would be like $300 (which could lowered by RRSP contributions in future years). Wouldn’t I be better off buying VFV and paying a little tax than buying Fortis or whatever? Or am I missing something?

allysapparition

Opening non-registered account - is it worth worrying about dividend tax credit?

/r/CanadianInvestor/comments/1g4qzom/opening_nonregistered_account_is_it_worth/

1g4vqtz

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OPINION_IS_UNPOPULAR

Daily Discussion Thread for October 16, 2024

/r/CanadianInvestor/comments/1g4vqtz/daily_discussion_thread_for_october_16_2024/

1g4yjr9

newnews10

TD Bank Group says Charles Schwab investment will add C$178M for Q4

/r/CanadianInvestor/comments/1g4yjr9/td_bank_group_says_charles_schwab_investment_will/

1g4zcmt

str8shillinit

ATTN: Canada! "We are overregulating and under-investing. So just if in the 2 to 3 years to come, if we follow our classical agenda, we will be out of the market. I have no doubt" - Emmanuel Macron

/r/CanadianInvestor/comments/1g4zcmt/attn_canada_we_are_overregulating_and/

1g50lhj

nimageran

“Never buy airline stock”, they said! $AC up ~ 20% since August!

/r/CanadianInvestor/comments/1g50lhj/never_buy_airline_stock_they_said_ac_up_20_since/

1g52umr

Sorry if that sounds like a silly question. I am not that knowledgeable when it comes to investments. I have seen somewhere that as you get older you shouldn’t be investing in those type of ETF or is it just bs?

ethereumhodler

At 49 yrs old, should I still invest in something like XEQT or as I am getting closer to retirement age invest into something else?

/r/CanadianInvestor/comments/1g52umr/at_49_yrs_old_should_i_still_invest_in_something/

1g58cu0

Not sure what's happening here, maybe someone can help with this. I have a Canadian reit in my tfsa, and the other day saw something I didn't understand. I was suddenly showing a quantity of zero shares with the message "information not available at this time" and when I looked under activity, the whole sum showed subtracted and immediately replaced. Then later the shares reappeared. And now it's happened again today. Sorry for the noob question, but what is happening here?

ghostpie666

Activity in tfsa

/r/CanadianInvestor/comments/1g58cu0/activity_in_tfsa/

1g58xtj

I've been told that it's always wiser to max out your TFSA account before you put any money towards RRSPs. Is this true? Or are there scenarios where it's smarter to put money into RRSPs before maxing out TFSA? Like for example, if I make a fairly high salary, would it not be smarter to reduce my tax burden by making more RRSP contributions (and even spousal RRSP contributions)? Or is maxing out TFSA still the right way to go? I only ask because I still have a lot of TFSA and RRSP contribution room carried over for previous years (as does my spouse) and I'm only recently been trying to focus on growing our wealth and planning for retirement. So I'd like to find out what the best approach is in general. Our household income between my wife and I is over 200k this year and we have a mortgage on our first home. (if that helps in any ways). I also plan to manage both TFSA and RRSP accounts myself without any advisor or institutional help.

psycho_psymantics

Is it ALWAYS better to max out your TFSA contribution before putting money into RRSPs?

/r/CanadianInvestor/comments/1g58xtj/is_it_always_better_to_max_out_your_tfsa/

1g5et25

I have some stinkers mostly oil and gas material stocks that i have some capital losses, but i still like them and think they will have their day. I have space in my tfsa so I'm thinking of moving them to my tfsa and crystalisng the capital loss. But not letting my babies go... What do you think of this strategy?

Capital_Journalist43

Moving under perfomers from taxable accounts to TSFA ?

/r/CanadianInvestor/comments/1g5et25/moving_under_perfomers_from_taxable_accounts_to/

1g5fgvj

Hello! Looking for input on what all your portfolios consist of when you are investing with leverage and writing off a portion of the interest. I've seen primarily Canadian dividend portfolios, for simplicity and not having to worry about ROC distributions that ETFs have. Ideally I'd want to use something like XEQT, for global diversification but I'm aware there is extra tax pitfalls to be aware of with ROC in the distributions effecting interest deductibility. How do you who do this manage this best? If you do use an ETF, how do you manage the additional tracking. Thanks in advance!

Strict_Hand

Smith Maneuver / Margin / LOC portfolios?

/r/CanadianInvestor/comments/1g5fgvj/smith_maneuver_margin_loc_portfolios/

1g5kqux

So I have 80% of my portfolio invested in the S&P (ZSP) for several years now and have seen some great returns. I am in a position now where I want to move this capital into a safer asset/assets with the anticipation of using 75% of this money in the next year to purchase a house- the real estate market where I live in particular has been beat up and is on its knees so I see this as a good opportunity considering the current direction the BOC is taking with interest rates. I’ve been considering a few options but would love some suggestions- 1. 1-2 year redeemable GIC 2. CASH.TO? 3. Simply move it into a HISA, I believe EQ bank is offering 4% or so. Thanks in advance

Odd-Grapefruit433

Capital Allocation options for Short Term investment.

/r/CanadianInvestor/comments/1g5kqux/capital_allocation_options_for_short_term/

1g5nbym

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OPINION_IS_UNPOPULAR

Daily Discussion Thread for October 17, 2024

/r/CanadianInvestor/comments/1g5nbym/daily_discussion_thread_for_october_17_2024/

1g5pfbx

Illustrious-Nebula63

Will an etf share price ever inflate beyond the value of its holdings, say if the etf were very popular/trendy and was being bought into by everyone?

/r/CanadianInvestor/comments/1g5pfbx/will_an_etf_share_price_ever_inflate_beyond_the/

1g5poov

I need some advise for questions I should be asking an advisor. I have managed my own investments my whole life. I think I have done okay... I've had some great years and have had some terrible years. However, the last 5 years my returns make me think that maybe I just got lucky. Since 2014, on my own I have averaged around 7-8% per year. So I've been thinking about getting an advisor, low and behold one reaches out to me through LinkedIn of all places. I was reluctant to meet at first because, you know, scams... But I gave the guy the benefit of the doubt and met with him. He is with a well known Canadian finance firm, he sounds like he has a good strategy. The firm can offer me many things such as other investing advise, tax advise which I could use. I don't have a ton of savings, only around $350,000 between and RRSP and TFSA. The minimum this guy says he works with is $250,000 which would clean out my RRSP. I do need to diversify my investments, giving some of my money to someone else to manage might midigate my losses on bad years and still give decent gains on good years. I'd still like to manage some of my money. Both my wife and I have decent pensions so the RRSPs would just be icing on the cake during retirement. Since I really don't know this guy, we will be having our fourth meeting tomorrow, what questions should I be asking this guy before I hand over my RRSP holdings to him to manage?

imfrmcanadaeh

Questions to ask your advisor before giving them your holdings?

/r/CanadianInvestor/comments/1g5poov/questions_to_ask_your_advisor_before_giving_them/

1g5t63h

I am transitioning my portfolio from individual stocks to ETFs. I am 1-3 years from retirement, have enough to retire on safely, and want to make things easier while not taking on too much risk. I will be using a Cash/Bond wedge strategy, and plan to introduce some fixed income holdings, which I have mostly avoided up until now. Wondering about two questions: 1. I like the holdings in XMV and DGRO, as these are similar to what I am currently holding (of course I hold fewer equities), and similar to the philosophy I have been following for years (along the lines of The Successful Investor). These are underweight on tech stocks, however, and I wonder about combining them with broader Canadian and US index ETFs, in some sort of ratio like 2/3 XMV/DGRO and 1/3 broader market, just to get some growth potential from the tech sector. I would use ZAG for some bond exposure as well. Does this make sense? 2. The other option would be to combine XMV and DGRO with something like VGRO for simplicity. Better? Thoughts? My first post in this sub, so if I have forgotten anything, please let me know!

Locatino_Paul

Want to tilt towards lower volatility - does this make sense?

/r/CanadianInvestor/comments/1g5t63h/want_to_tilt_towards_lower_volatility_does_this/

1g5urk0

I’m currently using CBIL but not sure about reliability (in a market downturn?). Wondering if there’s a more performant ETF that’s reliable, or maybe other type of investment. Where do you keep your emergency fund?

Illustrious-Nebula63

Where do you keep your emergency fund? In ETFs?

/r/CanadianInvestor/comments/1g5urk0/where_do_you_keep_your_emergency_fund_in_etfs/

1g5ux84

Aecon is currently near ATH with 1 year performance of 118% Bird Construction also near ATH with 1 year performance of 198% So what exactly is contributing to these companies performance? If you look at the chart these two have literately gone up non stop for the past year. Crazy run up.

Hashimoto_Honoka

Whats the reason canadian contruction companies are exploding right now?

/r/CanadianInvestor/comments/1g5ux84/whats_the_reason_canadian_contruction_companies/

1g5v5ks

Just want to say I am very tempted in adding RY into my portfolio. And I understand no one can time the market, but the growth RY has seen is crazy. 4% this past week, 15% the past 3 months, 30% YTD, and 51% the past year. Like what? I know there is a saying of "time in the market > timing the market" But I just feel as soon as I invest it will plateau. What are your guys opinions on this stock in general? Does anyone have any insight as to why there is so much growth? Based on your opinions, is it realistic for this stock to reach well over $200? Or is it realistic that a split will happen in the somewhat near future?

User842345

Royal Bank (RY)

/r/CanadianInvestor/comments/1g5v5ks/royal_bank_ry/

1g5vajl

Most of my retirement fund is currently with a big bank mutual fund, and I have an appointment shortly with my big bank advisor. However, I've been learning about ETFs lately and I plan to make large transfers from my MF to ETFs. I use the same big bank to trade ETFs. I'm wondering how my big bank advisor will react. Will he try to oppose the tranfers? Will he say it's a clever move? Will he suggests some ETFs? The big bank gets paid with my MF expense ratio, but also when I trade ETFs, so I'm hoping my big bank advisor will be impartial to this. Edit: The transfer I have in mind is from Big Bank MF to same Big Bank direct/self-investing account. Not to Questrade or Wealthsimple.

Betanumerus

How easy/difficult is it to transfer from mutual funds to ETFs?

/r/CanadianInvestor/comments/1g5vajl/how_easydifficult_is_it_to_transfer_from_mutual/

1g5wz3f

Hey all, Opening a self directed RESP for my newborn. There is a limited amount of annual contributions I can make but want something safe / stable. Curious your ETF reccos and if others have a similar account what they’ve done (comfortable with more risk than say a cash account etc, but just don’t want high risk)

GroundbreakingFact38

ETF recommendation for self directed RESP

/r/CanadianInvestor/comments/1g5wz3f/etf_recommendation_for_self_directed_resp/

1g5ztd5

Trying to wrap my head around the whole US withholding tax thing in relation to a Canadian RRSP account. Would I use my RRSP account to buy US stock that pays dividends to take advantage of that? Thanks a lot!

Stank-Pappy

US Withholding Tax and RRSP

/r/CanadianInvestor/comments/1g5ztd5/us_withholding_tax_and_rrsp/

1g67wlk

This graph speaks volumes. You can fit an exponential curve to it. I cant find my old post here on this sub from a year ago, but gold has done exactly that. No central bank is even considering asset prices in the inflation formula, even though Bernanke and Paulson talked about it back in the early 2010's. https://preview.redd.it/j2s5dukldfvd1.png?width=1124&format=png&auto=webp&s=c1fb386f54ee25b2dca9c1218a6cc662bf7acdfa You could fit that exponential curve to either the troughs or the peaks. It does LOOK like we are at some kind of local peak, Or the support curve and the resistance curve. Both go up predictably exponentially with time. If the central banks do nothing about asset prices... slippery slope Edit - adding the SnP 500 Total Return index (which takes into account reinvested dividends) for comparison (mind you this one is in USD) https://preview.redd.it/599vnx0vzfvd1.png?width=731&format=png&auto=webp&s=084fbba15b7e844dd1005bc525dce9a948ddceb7 Total Return Index of SnP500 since May 2007, when CAD was 0.905 USD is $2580 CAD increasing to $17649 CAD today (using 1.38 USD/CAD). A gain of 6.84, or 12.0% per year on average Gold gained 3740 CAD / 650 CAD = 5.75 in the same time frame, or 10.8% per year So looks like S&P 500 total return index edges out gold for that time frame, but if you go back to 2005 they are about even. However it would have been much better to get into the market (S&P 500) when it bottomed end of 2008.

Gerry235

Gold price in Canadian dollars is an exponential rise since QE became a thing

/r/CanadianInvestor/comments/1g67wlk/gold_price_in_canadian_dollars_is_an_exponential/

1g68d8c

This is probably an obvious question. I am planning to make some changes to my holdings and will need to make a large purchase of an ETF listed only on the US exchange. If I have enough US stocks that I want to sell, but they are currently held in the CAD side of my account (CIBC Investors Edge), Can I just ask to journal these to the USD side of my account and then sell them for USD? These shares were purchased on the US exchange but I receive dividends in CAD since they are held on the CAD side. I hope this makes sense!

Locatino_Paul

Do I need Norbert's Gambit if I own US stocks in my CAD Account?

/r/CanadianInvestor/comments/1g68d8c/do_i_need_norberts_gambit_if_i_own_us_stocks_in/

1g6eg2t

Your daily investment discussion thread. Want more? Join our new [Discord Chat](https://discord.gg/4Q6mzTWz3D)

OPINION_IS_UNPOPULAR

Daily Discussion Thread for October 18, 2024

/r/CanadianInvestor/comments/1g6eg2t/daily_discussion_thread_for_october_18_2024/

1g6eu85

earthWindFI

TIL you can earn $75,000 per year in Canadian dividends while paying nearly zero income tax

/r/CanadianInvestor/comments/1g6eu85/til_you_can_earn_75000_per_year_in_canadian/

1g6jmt5

Hello all. I am wondering if there is a way to avoid capital gains tax if I re-assign my my condo purchase before occupancy. I heard if there is a way to directly move that money somewhere else instead of your bank account right away you can avoid paying the tax. Please help me understand this better and how to manage getting the most out of my investment. Thanks.

wlred

Capital gains tax on pre-con

/r/CanadianInvestor/comments/1g6jmt5/capital_gains_tax_on_precon/

1g6k324

Just a feeler post for opinions... I usually just set it and forget it but was curious. I have 120k into an ETF. Because of my set it and forget I don't pay that much attention but looked this week. That 120k over time has resulted in gains of 47k for total of 167k holding. I don't see it going anywhere but further up barring some global financial disaster. There is another ETF I've been looking at that is also performing well and very secure. Would you secure the profits in A to buy B or just start buying B

AlbertaSmart

Thoughts on profit taking

/r/CanadianInvestor/comments/1g6k324/thoughts_on_profit_taking/

1g6lhtn

Are there accounts or bond investments with guaranteed income where I can put my money and have it earn interest and I'm able to cashout whenever I want without fees or losing my accumulated interest? Or do they all have a maturity date and I have to wait until it's reached to cash out? Basically I have some cash sitting in my account and although its my rainy day fund, I'd like to earn some interest on it if possible while keeping the option of using it whenever I want. Any advice is appreciated!

manyouk88

Considering bonds but I have some questions.

/r/CanadianInvestor/comments/1g6lhtn/considering_bonds_but_i_have_some_questions/

1g6obxb

Decided to buy a bunch of it when it was trading at $50 a month ago and since then it’s gone up over 50%. Do I: 1) keep it 2) sell 50% 3) sell it all Go

Electronic_Run_9978

Cameco.

/r/CanadianInvestor/comments/1g6obxb/cameco/

1g6qybh

I have 5k usd cheque. And I was wondering how would you invest it? I would probably open up a usd account on TD Bank and deposit the money there. But when it comes to investing I already max out my TFSA, I have an emergency fund. I want to invest the 5k usd in a high return investment. More specially stocks, but my TFSA is already maxed out. Also I would not be putting this money for retirement. What do you think I should do.

Comfortable_Corner80

How would you invest 5K USD?

/r/CanadianInvestor/comments/1g6qybh/how_would_you_invest_5k_usd/

1g6r680

Just got this offer from scotiaitrade and debating on moving from Wealthsimple over for the bonus cash, then in 18 months chase the next offer. For me it would be about a 0.5% bonus, which is pretty weak but better than nothing. And I have the accounts at iTRADE already, as I moved from there to wealthsimple last year. Actually, looking at the dates, maybe just sign up and see what else is available next spring before doing the move. Anyone know if scotia covers the move cost like wealthsimple ?

NorthernMan5

Scotia iTRADE offer

/r/CanadianInvestor/comments/1g6r680/scotia_itrade_offer/

1g6r961

Your Weekend investment discussion thread. Want more? Join our new [Discord Chat](https://discord.gg/4Q6mzTWz3D)

OPINION_IS_UNPOPULAR

Weekend Discussion Thread for the Weekend of October 18, 2024

/r/CanadianInvestor/comments/1g6r961/weekend_discussion_thread_for_the_weekend_of/

1g6wczf

How do you think the next earnings report is going to go? I’m thinking about loading up 1-200 shares someone convince me it’s a bad idea.

Informal_Plastic369

What do ya’ll think of BCE at these prices?

/r/CanadianInvestor/comments/1g6wczf/what_do_yall_think_of_bce_at_these_prices/

1g6xzgy

What's our pulse on DRX right now? I'm feeling a bit uneasy with the American election around the corner on November 5th. Markets are up but it continues to be going down :S I invested around the earnings thinking it would rebound because of its good fundamentals, but it hasn't yet.

No-Couple-4261

DRX what is going on?

/r/CanadianInvestor/comments/1g6xzgy/drx_what_is_going_on/

1g6zlml

I have around 5000 CAD that I’m going to use to buy US stocks. I know about the 1.5% fee, so my plan is to buy them directly from my CAD account and hold them for a few years then sell them. I would occasionally add another 1000-2000$ to those stocks, but in general I don’t plan on selling anytime soon. Does it make sense to open the US account and pay 10$ monthly?

Gix-99

Is the Wealthsimple US account worth it in my case?

/r/CanadianInvestor/comments/1g6zlml/is_the_wealthsimple_us_account_worth_it_in_my_case/

1g71k1p

In my 30s, maxed TFSA, FHSA & RRSP & liquid 20k+ emergency fund. High risk tolerance. Looking for some feedback on very short term plays. Here are a couple higher risk possibilities I’m considering for non registered account (30-50k). A) Ride BTC & ETH monthly swings via ETFs B) Enter & exit stable companies for 5-10% gains (each cycle). ATD, IMO, TD & etc C) Buy into high yield dividend stocks. BCE, T, PZA, DIV D) Something that I overlooked? XEQT lol

Dangerous-Shower2077

Higher risk ST plays

/r/CanadianInvestor/comments/1g71k1p/higher_risk_st_plays/

1g77o1v

< 70 70-75? 75-80?

Temporary-Nothing-17

What price would TD have to be for you to take a gamble on it consider AML news?

/r/CanadianInvestor/comments/1g77o1v/what_price_would_td_have_to_be_for_you_to_take_a/

1g78osk

I’m hoping someone might be able to answer this question for me. Yesterday (Oct 18), I accidentally sold half of a stock position that I have held for several years. I hold the same stock in my TFSA, where I meant to sell it, but I submitted the request in my non-registered account. The sale of the stock triggered a $6000 capital gain. I know that the CRA has a superficial loss rule regarding selling a stock at a loss and then repurchasing it or a similar stock. If I repurchase the stock next week at the same price I sold it, are my gains still taxable?   Thank you

Itsme10203040

Superficial losses (and gains?) on stocks

/r/CanadianInvestor/comments/1g78osk/superficial_losses_and_gains_on_stocks/

1g7987i

I'm buying VFV via questrade in my TFSA but I'm wondering how many units I'd need to have in order for DRIP to activate? Any formula for that? Seems like questrade doesn't do fractional shares so I'd like to know how to best take advantage of drip asap. Thanks

WATTHEBALL

How many shares do I need of VFV to get DRIP?

/r/CanadianInvestor/comments/1g7987i/how_many_shares_do_i_need_of_vfv_to_get_drip/

1g7crfu

I am trying to educate myself in this area more but I don't want to waste my time listening to some guy who is illegitimate. I'm not going pay for anything, I am not trying to get rich fast. I just don't want to waste my time and resources if I can avoid it. Anyone familiar with this?

NorthernEngineering

Is the "Mining Stock Education" Podcast and YouTube Channel legit?

/r/CanadianInvestor/comments/1g7crfu/is_the_mining_stock_education_podcast_and_youtube/

1g7hdh7

Does anyone have a link to the math on matched RRSPs? Or can confirm mine is correct? I.E: Income of $100,000. Contributing $35,000 of personal money, you would get \~$14,500 in tax savings full stop (and if reinvested, \~$50,000 for the year). For employer matched (100%, no cap), you could contribute $17,500 they would match with $17,500 for an identical tax savings of $14,500. However, you would also pay an additional 17500 @ 30.5% in tax ($5400), resulting in \~45000 if reinvested. Is there any combination of matched % or income level that it is not correct to always contribute up to the maximum under a matched plan?

Moosewalker84

Employer matched RRSP

/r/CanadianInvestor/comments/1g7hdh7/employer_matched_rrsp/

1g7kdax

I take articles published by financial advisors with a grain of salt, but still read them with interest.  As much as their often just blowing smoke, they sometimes draw attention to investment opportunities with merit.  I read an article this morning ("A real asset with a 12% dividend yield") by James Hickman (aka Simon Black, Sovereign Man) who presented an argument that because of the increased instability in the world shipping companies are having to reroute goods resulting in longer shipping times and hence, have less capacity. International trade demand is still rising so this loss of capacity means excess demand over supply and thus demand controlled shipping rates.  Building new ships doesn’t happen overnight. This excess demand will remain for several years.  He then presents a teaser – a company with 12% dividend, a fleet of newer ships and a low P/E. He doesn’t name the company but the stats point to International Seaways (INSW).  I started doing my own research and found conflicting information for INSW.  Some sites report the dividend yield as 12% (Yahoo, Tipranks and several others).  Others report it as 1% (MarketWatch, Nasdaq, and several others).   I checked the dividend history and the difference seems to be whether “Special Cash Dividends” are included.  They started paying special dividends in 2020, apparently as a result of a merger (not yet confirmed).  I assume that there is a risk that they won’t continue the special dividends in the future.  The financials for the company over the last 4 years are mixed.  The companies’ expenses have skyrocketed and this has impacted it’s earnings.  So earning history is in the red. That’s understandable.  The shipping disruptions are recent (Ukrainian war, Houthis) and they would have been initially locked into contracts that forced them to absorb the increased costs.  But contracts aren’t forever and this year’s EBIT is good.  Analysts forecasts seem to include the expectation of continued + earnings and special dividends (albeit, analysts should be taken with two grains of salt).  The payout ratio, with the special dividends included, is roughly 55%.  A bit high. But the debt-to-equity ratio is only 6%.  The low ratio and high earnings suggest to me that they have an opportunity to make new investments and grow, albeit that needs more research.  There doesn’t appear to be a great deal of info on the company.  As a whole, I think the shipping industry is a good place to invest right now and I am looking for more dividend income (I am trying to get away from equity based investing as I am retired now and much of my unregistered cash has disappeared into property acquisitions: down payments for kids, winter home, etc).   I intend to research INSW further as well as other shipping companies before pulling the trigger.  What are your thoughts?  I welcome any insights, investor wisdoms or just random discussions of the merits. 

Whomeverimaybe

Recent article: "A real asset with a 12% dividend yield"

/r/CanadianInvestor/comments/1g7kdax/recent_article_a_real_asset_with_a_12_dividend/

1g7kiyk

MDA who then became MAXR before they went private and then relaunched as public MDA again (sort of...please feel free to correct) is finally crushing it lately after a slow start. Any thoughts on them?

sillywalkr

MDA

/r/CanadianInvestor/comments/1g7kiyk/mda/

1g7knud

Misternovice-here

TFSA limit for 2025

/r/CanadianInvestor/comments/1g7knud/tfsa_limit_for_2025/

1g7nhd6

I asked a similar question about a year or so ago, but I can no longer find it (I think posts get deleted after a certain amount of time). The gist of my question was the logic to use in allocating assets to different account types. That is, if I have an RSP, a TFSA, and a non-registered investment account, where should I put different investment types to be most tax efficient? For example, investments generating Cdn divididends versus US dividends versus capital gains vs Cdn interest vs US interest. There is a term for this strategic framework, but I can't recall the phrase. Thank you.

HatdanceCanada

Asset Allocation by Account Type

/r/CanadianInvestor/comments/1g7nhd6/asset_allocation_by_account_type/

1g7v3b8

Hey guys! Quick question - I currently hold VRGO in my TFSA, but I’m 31 and would like to take on more risk and switch to XEQT. Is it better to sell all of the VRGO and buy XEQT all at once, or sell/buy in chunks until it’s fully transferred over? Sorry if this is a silly question, appreciate your help. Edit to add: it’s only 10k, nothing crazy.

SnooMachines7227

VRGO to XEQT

/r/CanadianInvestor/comments/1g7v3b8/vrgo_to_xeqt/

1g7wugh

Toying with the idea of transferring my TFSA from Scotia bank to wealthsimple. They only offer in cash transfer. My question is will I face any penalty for transferring in cash? Tax wise or fee wise when it’s liquidated / reinvested. Other than transfer fee which Wealthsimple says they will cover. Thanks!

ILoveSommeray

Transferring a TFSA

/r/CanadianInvestor/comments/1g7wugh/transferring_a_tfsa/