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alvanlii

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reddit-CanadianInvestor

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1g841be

Quick backstory, Spring 2023 my mom was gifted (living will) 302 CIBC (initial price of $57.31) and 300 CNR ($158.82) stocks, and she has kept them in a non-registered account, largely because two different banks failed to help her in transferring the shares into her account (they were held under Computershare and TSX Trust, since they were physical shares), but she finally now has access to them thanks to WealthSimple. My question is about the tax implications. So, the CIBC shares have gone up significantly (total difference of $8,809) and the CNR shares have gone down a bit ($594), if she was to move all of it into her TFSA (and she does have the contribution room), what would the end tax implication be? Would it just add $8,809 to her taxable income (she's retired and living on a pension, but my dad still works and owns his own business so I have no idea what their tax rate would be)?

MikeJeffriesPA

Moving two different sets of shares from a non-registered account to a TFSA, trying to figure out the tax implications

/r/CanadianInvestor/comments/1g841be/moving_two_different_sets_of_shares_from_a/

1g84rsb

A private company I like is raising funds offering common shares. They plan to go public some day. Can I put these shares in my TFSA somehow?

Horace-Harkness

Can I put private shares in my TFSA?

/r/CanadianInvestor/comments/1g84rsb/can_i_put_private_shares_in_my_tfsa/

1g85gvx

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OPINION_IS_UNPOPULAR

Overnight Discussion Thread to Kick Off the Week of October 20, 2024

/r/CanadianInvestor/comments/1g85gvx/overnight_discussion_thread_to_kick_off_the_week/

1g87mnn

With the recent hydrogen developments from BMW, followed by Toyota joining them. It appears that both of them are focusing on hydrogen fuel cell vice pure electric. What stocks should I be looking at to try and get in before they take off.

Nexus866

Hydrogen stocks

/r/CanadianInvestor/comments/1g87mnn/hydrogen_stocks/

1g8b02s

I've read that it's looking like the BOC will do a bigger cut of 0.5% on Wednesday. Will this positively or negatively impact Canadian companies? How should I be thinking about this cut? I'm not looking to do anything risky or foolish, I'm just curious and want to learn how our bank rates impact Canadian companies/market or if it's just a crap shoot

BaronVonBearenstein

How will Canadian stocks react if the BOC cuts rates by 0.5%?

/r/CanadianInvestor/comments/1g8b02s/how_will_canadian_stocks_react_if_the_boc_cuts/

1g8cmt1

Pretend you have $1 million in cash today to invest and you need to generate $50,000 (or more) in annual cash flow indefinitely, increasing annually to account for inflation. What are you going to invest in? The cash flow must be sustainable: no significant erosion of capital through things like return of capital from income-generating funds. Assume 50% is in non-registered accounts and 50% is in registered accounts. No other income. For me, it would be some combination of stale dividend-generating ETFs (e.g., XEI.TO, CYH.TO, VRIF.TO), fixed income (e.g., BND.TO, XHY.TO, HAF.TO), preferred shares (e.g., CPD.TO, ZPR.TO, ZUP.TO), with a 1-2 year cash buffer (e.g., CBIL.TO, ZMMK.TO). What would you do?

SomeReservations

$1 million to invest, need $50,000+ sustainable annual cash flow

/r/CanadianInvestor/comments/1g8cmt1/1_million_to_invest_need_50000_sustainable_annual/

1g8drws

For individual Canadian dividend stocks, what’s in your watch list? A lot are close to all time high

newuserincan

What’s in your watch list for Canadian dividend stocks?

/r/CanadianInvestor/comments/1g8drws/whats_in_your_watch_list_for_canadian_dividend/

1g8fujr

Upset_Picture8990

From a Canadian tax perspective, is it suboptimal to be going 100% VFV in all registered/non-registered accounts?

/r/CanadianInvestor/comments/1g8fujr/from_a_canadian_tax_perspective_is_it_suboptimal/

1g8grr4

Are dividend paying ETFs like XDIV, XEI, ZDV, etc., tax efficient in a non registered account or are their dividends actually considered “distributions” and counted towards your regular income?

rare_bloke

Dividend ETFs in non-registered

/r/CanadianInvestor/comments/1g8grr4/dividend_etfs_in_nonregistered/

1g8h5yr

I’m looking to add some TSX to my portfolio as it’s currently 80% in ZSP and the remained in RY.TO Im considering selling my position in RY.to and moving it all into a single TSX ETF for some more diversification and to reduce my risk. I’d love to hear what are the best options For reference I’m 34, portfolio is 100% contained within my TFSA which is maxed. I will be eligible for RRSP matching through my employer in a month so trying to keep that in mind as well. ETFs I’m looking at are ZCN.TO ZIU.TO XEI.TO XIU.TO I’d love to hear suggestions on my strategy and other options.

Odd-Grapefruit433

TSX ETFs

/r/CanadianInvestor/comments/1g8h5yr/tsx_etfs/

1g8i1g1

Anyone currently holding this? RBF602 is the one I’m talking about and I know it’s a mutual fund and ETFs are obviously preferable but an MER of 0.7% (for series F) isn’t terrible for an actively managed fund. I’ve attempted to find an ETF with high quality fixed income as well as a high % of qualified Canadian dividends, but I haven’t found one that matches this criteria as it seems like all the monthly income ETF options (ZMI and XTR being the two biggest examples) hold low quality corporate junk bonds for the majority of their fixed income allocations. I’m currently in the accumulation phase and have all my assets in XBAL but I’m just looking ahead a bit to the future and trying to find the best option to get a tax efficient yield of ~3.5% as well as capital growth to keep up with inflation. Anyone have any better recommendations or experience with this fund?

Ok-Cut-5657

RBC monthly income fund?

/r/CanadianInvestor/comments/1g8i1g1/rbc_monthly_income_fund/

1g8jfuw

Need about 60k/yr: 200k in TFSA, 700k RRSP, 100k NR, House paid off CPP/OAS = 36k Plan for 15/20 years Max tolerable downturn = 20%, ideally < 15% Prefer not to use bond funds How should I allocate the portfolio?

Minimum-Divide-7899

Couple ~69 years old retirement income plan

/r/CanadianInvestor/comments/1g8jfuw/couple_69_years_old_retirement_income_plan/

1g8m0h2

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OPINION_IS_UNPOPULAR

Daily Discussion Thread for October 21, 2024

/r/CanadianInvestor/comments/1g8m0h2/daily_discussion_thread_for_october_21_2024/

1g8mo2i

I’ve been trading stocks for many years and have only recently started looking at ETFs. I would be considered a swing trader as I prefer to set a stop loss when buying and I could end up holding for only a few days. Just about all the discussions that I’ve seen have talk about buying and holding ETFs. Are there any disadvantages of trading ETFs the same way that I’m doing with stocks? Edit: Not looking to swing trader ETFs. Just want to easily sell if it starts trending downwards.

Johnbmtl

Trading ETFs like Stocks

/r/CanadianInvestor/comments/1g8mo2i/trading_etfs_like_stocks/

1g8svl0

For context, I've got 2 years left on my mortgage term. Total remaining $294,000 at a variable rate of 5.35% (prime -1.1%). only about 1/3rd of my monthly mortgage payment does to the principal. At what point is it more beneficial to focus on paying down the mortgage to reduce overall interest payments or invest in the market (XEQT/XGRO etc.) Thank you!

Stank-Pappy

At what point do you invest in the market/ETFs vs paying down mortgage?

/r/CanadianInvestor/comments/1g8svl0/at_what_point_do_you_invest_in_the_marketetfs_vs/

1g8tdnd

Thoughts?

Stank-Pappy

Goldman forecasts just a 3% S&P 500 annual return the next 10 years

/r/CanadianInvestor/comments/1g8tdnd/goldman_forecasts_just_a_3_sp_500_annual_return/

1g8u0rs

Given that capital gains are taxed based on your income tax bracket, if you're a high-income earner, is it better to invest in safer options like the S&P 500 or global index funds, rather than aggressively focusing on a few tech stocks? I'm trying to understand the trade-offs in terms of taxation and risk.

coderoncruise

Taxation and risk for high-income earners

/r/CanadianInvestor/comments/1g8u0rs/taxation_and_risk_for_highincome_earners/

1g8udv5

Hi I’m looking for a high yield dividend ETF with minimal holdings in fossil fuel (“energy”) companies. Could be “ESG”, but doesn’t have to be. A makeup with less than < 1% energy holdings would do. A Canadian ETF. Thanks. Edit: ZEB is a good example of the kind of ETF I'm looking for. I'm sure there are many more.

Betanumerus

Canadian Dividend ETF without FF

/r/CanadianInvestor/comments/1g8udv5/canadian_dividend_etf_without_ff/

1g8v9m2

Edit: I'm not asking for myself. I don't sit on much cash. And thought folks who went heavy into GICs as "investments" would miss on equity growth ( I was correct). However, I am interested in those with shorter horizons or more risk averse how they are navigating the pause and reduction of rates. Thanks ! There was a love for cash and GICs in the last 3 years. Curious how folks have deployed or renewed their GIC funds or even reviewed their CASH/CSAV ETF allocation.

OdeeOh

What did you do when your 5% GIC expired this year ?

/r/CanadianInvestor/comments/1g8v9m2/what_did_you_do_when_your_5_gic_expired_this_year/

1g8vl4n

ultraboof

Is there any reason to reallocate or buy into anything else, or should I just put on cruise control and wait a few decades?

/r/CanadianInvestor/comments/1g8vl4n/is_there_any_reason_to_reallocate_or_buy_into/

1g8wxxe

I'm aware of CHPS but thats unhedged. Any unhedged ETF I can get which has most of US Semi-conductor stocks? Like a TSX unhedged equivalent of SMH?

cryto_dude

Unhedged US Semi-conductor ETF on TSX?

/r/CanadianInvestor/comments/1g8wxxe/unhedged_us_semiconductor_etf_on_tsx/

1g8zl2y

I opened a individual margin account with Questrade to trade OTC and penny stocks. Say I spend $3,000 on stocks worth $0.10 (30,000 shares) and the stock price goes up to $4. My stocks would be worth $120,000 in total and my profit would be $117,000. How much would I get taxed? Explaining this to me in scenario form makes me understand a lot better.

Ok-Mirror-4196

Margin Account Taxes

/r/CanadianInvestor/comments/1g8zl2y/margin_account_taxes/

1g90yiy

I've just tested doing a currency conversion at BMO's InvestorLine using the Norbert's gambit method since I was reading possible differences with the new BMO's platformed refered to as 2.0 in some posts. So I did the test with RY since it is listed as both RY:US and RY:CA and everyting works as expected. Was able to buy USD, Sell CAD and CAD found are available right away for a CAD buy transaction. I realized that it would be safer to use something like DRL since it does not fluctuate much during a short period. Now I am wondering if it will work the same with DLR since it is listed as DLR**.U:CA** (and DLR:CA) vs DLR:US like RY (RY:CA and RY:US) as an example ? (Short questions is: Is DRL the same as DLR.U on the BMO InvestorLine plateform ?) Thanks

--Yan--

Norbert Gambit with BMO InvestorLine

/r/CanadianInvestor/comments/1g90yiy/norbert_gambit_with_bmo_investorline/

1g92gmg

Thought I would share some info with the group. I have been tracking my stock portfolio in Google Sheets for a few years. Initially, I was able to track prices using the GoogleFinance function, and import more detailed data using YahooFinance API scripts that were free to use. Recently, as many of you know, the GoogleFinance function has been unreliable - and completely broken for REITs and other -UN stocks. YahooFinance also restructured their website, and took down their free end points that allowed data retrieval using scripts. The best solution I have found, even though its not free is Wisesheets. (there is also Excel version, though I haven't tried it). The Pro (base) plan is $60 USD per year, which is about half the cost of any other solution I researched, and after using it for a week I can say it works great. All of the common markets are supported, and you can pull all kinds of stock data using the Google Sheets Extension and built in formulae. I do not work for Wisesheets nor do I have any affiliation to them, just wanted to share this bit of info for anyone who may be looking for a replacement for GoogleFinance and YahooFinance functions.

Apologetic_Kanadian

The Solution To Broken Google Finance and Yahoo Finance APIs

/r/CanadianInvestor/comments/1g92gmg/the_solution_to_broken_google_finance_and_yahoo/

1g95qi7

I was reading the Skyline blog tonight. They seem to think the BoC may follow the Fed's lead and lower rates by 50Bp on Wednesday. BoC has already cut 3 times since the summer - 25Bp each time. Article cites analysts who believe the same. Anybody else think a jumbo cut is in order?? It would really help to get a break on my variable-rate mortgage payments!! Perhaps now is time to take a second look at REITs? [https://www.skylinegroupofcompanies.ca/news/the-potential-ripple-effect-of-octobers-rate-cut-on-canadians/](https://www.skylinegroupofcompanies.ca/news/the-potential-ripple-effect-of-octobers-rate-cut-on-canadians/)

Assistance-Minimum

Do Anybody Think the BoC Will Lower Rates by 50Bp on Wednesday?

/r/CanadianInvestor/comments/1g95qi7/do_anybody_think_the_boc_will_lower_rates_by_50bp/

1g99nlq

Best ones to get

walkingtothebusstop

Unheeded stocks

/r/CanadianInvestor/comments/1g99nlq/unheeded_stocks/

1g9cu55

Best-Maize-2623

Is XEF same as XEQT?

/r/CanadianInvestor/comments/1g9cu55/is_xef_same_as_xeqt/

1g9egzc

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OPINION_IS_UNPOPULAR

Daily Discussion Thread for October 22, 2024

/r/CanadianInvestor/comments/1g9egzc/daily_discussion_thread_for_october_22_2024/

1g9hvno

So where do you all think silver is going Iam looking to invest into a few or a etf. Any suggestions. Cheers

steverbarry

Silver

/r/CanadianInvestor/comments/1g9hvno/silver/

1g9i2ej

Looking for thoughts on how to balance return and income as best possible. My in-laws are selling a house and moving into retiremeng living. The sale will provide enough capital to pay all costs over their expected remaining liferime plus. Have been thinking ladder GICs but the yield curve is just not very enticing. They do not need the income per say but I wiuld like to earn something as their annual costs will be about $100,000 per year. They do have small Pensions and other savings. Looking at approx $1million, so this is not small and ages are 88 and 93. Advice... just go the safe secure route? I have looked at other options but I worry about the risk of too much capital loss vs income potential. I know safe means loweer return so I get the trade offs. They should have enough here to last.

Flashy-Ad-5553

Advice on safe investment for retirement incomd

/r/CanadianInvestor/comments/1g9i2ej/advice_on_safe_investment_for_retirement_incomd/

1g9ifg1

For context my TFSA is all in on XEQT, but I'm thinking of going on in on XGRO for my RRSP for some less volatility due to the bond allocation. Does this make sense or are bonds likely to suffer due o dropping intrest rates? Thank you!

Stank-Pappy

RRSP vs TFSA ETF Contributions

/r/CanadianInvestor/comments/1g9ifg1/rrsp_vs_tfsa_etf_contributions/

1g9jqk3

Hi all, looking for your honest opinions here. Background - I’m planning to sell my rental property in Toronto and reinvest in another unit in Vancouver (where I live, so it’s easier to manage). I hope to recover approx. $400k in the sale. I currently have a mortgage of $1M on my principal residence. It was suggested to me to put the $400k into my mortgage, and use a line of credit as the down payment in purchasing the new rental property because it allows you to write off the LOC interest. The other option is just to pay down the mortgage and invest in stocks etc. When I did the math the interest saved by paying down my mortgage is 100k, but the interest also paid on the LOC is 100k (if repaid in 10 years), so it cancels out although one is tax deductible. Does anyone have any thoughts on this strategy and have any precautions? Thanks in advance!

fiddleleafpop

Use LOC as down payment

/r/CanadianInvestor/comments/1g9jqk3/use_loc_as_down_payment/

1g9kmfa

Just for fun/ for conversation — if you had to put $10,000 in ONE Canadian dividend compounder for the next 10 years to set and forget with DRIP activated, what would it be? (Not including ETFs such as XEI or VDY)

Successful-Long3716

If you had to own one, Canadian dividend compounder for the next 10 years, what would it be?

/r/CanadianInvestor/comments/1g9kmfa/if_you_had_to_own_one_canadian_dividend/

1g9lbxl

I have an individual margin account with Questrade meaning 50% of my capital gains will get taxed. If I were trading OTC in my TFSA, my capital gains wouldn’t be taxed but OTC stocks aren’t available for TFSA’s. Is there a way I can trade OTC stocks without paying taxes on my capital gains? Any platforms other than questrade or a platform where I can trade OTC’s in a TFSA?

Ok-Mirror-4196

Where can I buy OTC stocks?

/r/CanadianInvestor/comments/1g9lbxl/where_can_i_buy_otc_stocks/

1g9leuy

I was holding a significant chunk (100K) in [CASH.TO](http://CASH.TO) as a way to save up for downpayment on a house + emergency fund. I have effectively given up on housing in the GTA for the time being and happy to take additional risk but still have a fixed income portion to my portfolio. I have over 900k invested in QQQ/XEQT so want use 10% of my portfolio on fixed income. What fixed income products are you guys buying with [CASH.TO](http://CASH.TO) rate coming down? XUT seems attractive.

CADhouse

CASH.TO Alternatives as BoC rate comes down

/r/CanadianInvestor/comments/1g9leuy/cashto_alternatives_as_boc_rate_comes_down/

1g9ncrg

Anybody know why its dropping so much?? Seems like an overreaction from the information I can find

trodg23

GoEasy dropping

/r/CanadianInvestor/comments/1g9ncrg/goeasy_dropping/

1g9q1pp

I recently maxed my TFSA and my wife has a TFSA in money market (she is risk averse). She has alot of TFSA room remaining and I have floated the idea of opening her a 2nd TFSA for me to dump real money into and to have it invested (so that her previous TFSA contributions are left untouched). She is not opposed to this. My question is because I bank through RBC I have used RBC Direct Investing for my accounts, but she doesn't bank through RBC so I am wondering which brokerage you may reccomend for this. Ideally we could both access it from phones so I can add to it and she can monitor if she chooses. I have heard Questtrade and wealthsimple reccomended in the past. Any pros/cons to the choices or other reccomendations?

trav_dawg

Which brokerage to use for 2nd TFSA?

/r/CanadianInvestor/comments/1g9q1pp/which_brokerage_to_use_for_2nd_tfsa/

1g9q6nm

I'm not really into timing the market, but I do feel weary and uneasy about my VFV and similar positions potentially redoing that whole 2000-2013ish stretch of S&P500. I'm not looking to micromanage things, but also am wondering what approaches and strategies y'all have. Before things get too spicy: DCA for the win, and TIA! ETA: I'm alluding to orders like these: https://www.investopedia.com/terms/s/stop-limitorder.asp#toc-stop-limit-order-vs-stop-loss-order

nutbuckers

What's your strategy/logic for setting up limit sell orders?

/r/CanadianInvestor/comments/1g9q6nm/whats_your_strategylogic_for_setting_up_limit/

1g9tlxk

Hi. I just closed my first mortgage and have some money leftover to payoff my car loan (35K financed at 4.5%). I’m debating if paying off is better vs investing in unregistered account. (I already have RRSP, TFSA & RESP topped off) Option1: pay off car loan, save 800/m in monthly operating expenses. Money is tight every month hence this is tempting. Rely on Secure line of Credit (34K @ 6.95%) for emergencies. Option2: keep the car loan and invest in VUN or XEQT. I keep myself an easy to access emergency fund and hope that I make more than 9.6% return to match after tax benefit of atleast 4.5% Which one would you recommend and why?

Tight_Competition_78

Payoff car loan vs Invest

/r/CanadianInvestor/comments/1g9tlxk/payoff_car_loan_vs_invest/

1g9u18e

Hello all, For Past few years I’ve been saving aggressively to reach $100k it’s currently sitting in a HISA. I want to and have the ability to max out my tfsa limit which is $64k previously no contributions, looking to make long term investments 20+ years no withdraws. I am thinking about purchasing XEQT and VFV knowing the risk level and being all equity, I believe I am comfortable with that decision, but I just cannot see my self investing the full amount right now. Currently I feel comfortable with investing $20k approximately right now and starting next year I will DCA the limit of every new year going forward, Plus a little more $3-4K on top to catch up on that remaining unused contribution limit. Does this sound like a sensible plan? I want to invest long term but cannot see my self investing full 64k right away I know I that I should max out the full limit but my current living situation and employment are not ideal at the moment. when I get my self into a better living situation in life and headspace I guess, I’d be comfortable and would not mind to invest more to max out the limit faster. Thank you all for lending an ear, I’ve really been losing sleep over this for the last few weeks. Many Thanks.

New_Driver69

Never Contributed to TFSA

/r/CanadianInvestor/comments/1g9u18e/never_contributed_to_tfsa/

1g9uihh

I've been holding VFV in my Wealthsimple account since January of 2022, and been contributing regularly since then. It's Oct 2024 but Wealthsimple says my VFV holdings have only had an all time growth of 12.71%. If I calculate the growth of the ETF price back in Jan 2022 till now it should be around 30%. Is there something I'm missing or is the platform showing inaccurate growth %s?

Delicious_monster_

VFV growth in Wealthsimple not accurate?

/r/CanadianInvestor/comments/1g9uihh/vfv_growth_in_wealthsimple_not_accurate/

1g9veip

Hi all, I have an RRSP, TFSA, and FHSA. I'm 27 and I just started making real money so I have a lot of contrib room on the TFSA and RRSP (FHSA only started last year so I'm up to date on that one). I can contribute whatever my yearly room is for all three accounts, and then I still have all that extra room from not maxing out since I was 18. I'll make like $125-145k this year, and then add hopefully an extra 20k a year for the next three years at least. My strategy has been to max out yearly room in FHSA first, then RRSP, and then use my nice tax return to contribute to TFSA. I am aiming for 75% VEQT, 10% VGRO, 10% [CASH.TO](http://CASH.TO), 5% fun in all accounts. Maxing out the yearly room in all three accounts is taking up all my saving capacity, but in a couple years I hope I'll be able to put a good chunk of money in for all that extra room in my TFSA and RRSP. In terms of savings goals, I would probably be liquidating my FHSA (which would be at least $40k), take that $30k or whatever is allowed out of the RRSP, and whatever else I need from the TFSA in about 5 years. I guess I will start moving more stuff to [CASH.TO](http://CASH.TO) in the year before I want to have a down payment ready. Is this a reasonably good strategy? I'm not worried about the exact best optimized portfolio, just something reasonably optimal that's easy to set and forget.

SubstantialWin4251

Do I have a reasonably good strategy?

/r/CanadianInvestor/comments/1g9veip/do_i_have_a_reasonably_good_strategy/

1g9vrnx

sgt_w

Discussion

With the Slight controversy of XEQT holding 30% Canadian Funds, why don’t people just buy 98% XAW and 2% XAC? Is this not essentially a perfectly balanced global portfolio?

/r/CanadianInvestor/comments/1g9vrnx/with_the_slight_controversy_of_xeqt_holding_30/

1g9xl62

This is a stupid questions but trying to understand the math behinds taking profits. I've talked myself into something that I know I'm wrong with but don't know why. Scenario: * Book Cost: 200,000K (1000 Share) * Market Value: 240,000K (+20% / 40,000K) * Plan: Take out $40,000 profits, back down to 200,000K If I take out the $40,000K with the assumption this stock will drop back down 20%.....how and I better off and what does one do with that $40,000K. BTW, I know time in market, not timing the market....

Mysterious_Mud_3908

Math behind taking profits

/r/CanadianInvestor/comments/1g9xl62/math_behind_taking_profits/

1g9yb1x

I have a TD mutual fund account (holding E-Series funds). There are 3 RESP and 1 RRSP in total for $130000. TD will not offer me their 1% cash back promotion if I open a Direct Investing account with them and transfer the mutual funds into similar TD ETFs. Are there any other banks or platforms that are offering a 1% cash back and some free trades for opening a direct account with them as a new customer? I would only be holding ETFs like XEQT, VGRO or maybe ZMMK. I'd like 50 or so free trades as the 3 RESP accounts get contributions twice a year PLUS get government money (CESG) as well. EQbank won't work for me as I already hold a Henson trust with them so i'm a customer Wealthsimple won't work for me as i already hold a TFSA with them so I'm a customer

henchman171

Are there any new customer trading accounts offering cash back for sign up? (not TD)

/r/CanadianInvestor/comments/1g9yb1x/are_there_any_new_customer_trading_accounts/

1ga1owi

I'm trying to understand if I should sell the delisted stock at 0.00 (can't see how that makes sense) or keep them in my portfolio. What happens with my shares of a delisted stock?

Puzzleheaded_Cell428

How best to deal with delisted stocks? Should I sell them?

/r/CanadianInvestor/comments/1ga1owi/how_best_to_deal_with_delisted_stocks_should_i/

1ga3pp3

Need advice if on the right track or invest in other Profile: Late 20s. Currently have ~62k in TFSA. Nothing in RRSP. Annual salary is ~54k. For my age and salary tax bracket, my plan was to invest in TFSA first then RRSP. Currently, live with parents and do not pay rent. I pay for everything else I need. Initial investment was ~$15k. Goal: Saving sizeable amount for downpayment on house or for retirement. Current investment holdings: TFSA 1 - 8.79% in CNR.to stock (+13% since initial invesment in 2020). - 24.56% in VBAL.to ETF (+21.58% since initial investment in 2020) - 66.65% in VFV.to ETF (+31.87% since initial investment in 2020) TFSA 2 Cashable GIC (emergency fund) = $15.3k at 4.2% interest which matures in November. Since 2020, in TFSA 1, I have been DCAing or more so adding lump sum of $1000+ almost every other month to make it worth the $10 TD trade fee. (So far have chosen to stay with TD since easy and quick to move money around and I have other accounts with them, and recieve better customer service for all banking needs than an online roboadvisor). Overall made $13308.44 (+%27.44) since having started investing 2020. Im still a newer investor and am open to advice for either more aggressive or conservative investments advice. I would appreciate hearing investment advice for the short term and long term.

juvencius

May I have feedback on if Im on the right track or need to change strategy with some suggestions?

/r/CanadianInvestor/comments/1ga3pp3/may_i_have_feedback_on_if_im_on_the_right_track/

1ga6srz

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

OPINION_IS_UNPOPULAR

Daily Discussion Thread for October 23, 2024

/r/CanadianInvestor/comments/1ga6srz/daily_discussion_thread_for_october_23_2024/

1ga6yjh

its_me1001

RSUs at a Loss - Morgan Stanley to Questrade TFSA/RRSP - Advice Needed

/r/CanadianInvestor/comments/1ga6yjh/rsus_at_a_loss_morgan_stanley_to_questrade/

1ga8xo5

The ETFs (VGRO, VBAL, etc) are suppose to maintain a certain level of bonds to equity. Where can I check to see evidence of this happening? I know it likely happens as the SP500 is up 20+% ytd. I can also see the funds reporting CG in their year end distributions but it's an inaccurate gauge of rebalancing.

jasonc604

Vanguard’s Asset Allocation ETFs. Any evidence of rebalancing?

/r/CanadianInvestor/comments/1ga8xo5/vanguards_asset_allocation_etfs_any_evidence_of/

1gaaz28

noobstockinvestor

Bank of Canada reduces policy rate by 50 basis points to 3¾%

/r/CanadianInvestor/comments/1gaaz28/bank_of_canada_reduces_policy_rate_by_50_basis/

1gaep5q

Hello I have a non-registered investment account down little over $8k What is the best way to take advantage of tax breaks for capital losses? can I realize all at once or should I do 3k every year I believe I saw a claim up to amount of $3k somewhere. Thank you

AlohaPersona

Taking advantage of capital losses

/r/CanadianInvestor/comments/1gaep5q/taking_advantage_of_capital_losses/

1gaeq4s

Do all major banks across Canada have the same general rules for resp's? For instance with TD, an resp through Waterhouse is able to have money invested in stocks etc but through the branch you're limited to mutual funds etc. with that the government has bonds only available to the account through the branch and not TD Waterhouse. My wife and I opened an account for my son not knowing about the branch resp and the benefits, any personal experience which would be better ?

Known_Cod_8785

Resp's Question

/r/CanadianInvestor/comments/1gaeq4s/resps_question/

1gaffz9

Ok_Currency_617

Comparing GDP Forecasts for Canada 2024-2026

/r/CanadianInvestor/comments/1gaffz9/comparing_gdp_forecasts_for_canada_20242026/

1gafx79

I have majority in a margin account and I'm maxed out in my tfsa. My down payment is 49%. I don't want to be taxed more than necessary. Any way to find out what percentage I'm charged for capital gains tax? Does it make sense to pull all the money from the TFSA first as it's tax free and then any left over amount from the margin I can just add it to the TFSA in January? Any advice would be greatly appreciated.

mistaharsh

I have to liquidate my investments for a down payment before the year end

/r/CanadianInvestor/comments/1gafx79/i_have_to_liquidate_my_investments_for_a_down/

1galvh6

I was accepted for my dream degree at my dream university, which may or may not have helped me in my career - most likely it wouldn't. I didn't end up going because I wasn't sure if my company would allow me to return back after I went, and I didn't want to be jobless. I also chose to purchase a home, which made it financially very difficult. If I reapply and am accepted next year, and manage to save enough, should I do it? I wanted to study there since I was a child, but the cost is $80k CAD for a 1 year program. It would be all my savings at that point if I manage to save enough. I didn't get any scholarships, and will be unlikely to get any if I apply again.

hamlet_darcy

Is it an extremely poor use of money to spend on a prestigious international degree if it was your dream?

/r/CanadianInvestor/comments/1galvh6/is_it_an_extremely_poor_use_of_money_to_spend_on/

1gaouab

We're at the age where we must start minimum withdrawals. Goal is to generate \~50k/yr on a 1M portfolio 80% in RRIF/LIF. Not too concerned about growth as we won't even spend the 50k and we don't want to take much risk given our timeframe of \~15 years I'm leaning towards XEI and XEQT + 2-3 years in fixed income like HISA CASH/CBIL ETF's. Would this be appropriate or is XEQT too risky for a shorter timeframe?

Minimum-Divide-7899

Retirement income plan

/r/CanadianInvestor/comments/1gaouab/retirement_income_plan/

1gayykm

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OPINION_IS_UNPOPULAR

Daily Discussion Thread for October 24, 2024

/r/CanadianInvestor/comments/1gayykm/daily_discussion_thread_for_october_24_2024/

1gb03xl

Looking to park some US cash. Have used hisu-u-t in the past but yesterday's volume was <500 shares. I didn't find similar high interest etf on US exchange. Do such exist?

debruyneonetouch

similar to hisu-u-t with higher volume on US or Cdn exchange?

/r/CanadianInvestor/comments/1gb03xl/similar_to_hisuut_with_higher_volume_on_us_or_cdn/

1gb75cv

If I have multiple ETFS, is there some website I can put my portfolio breakdown and see which companies make up the most of my portfolio between the multiple ETFs I own them through?

GhoulTinzal

Tool to see % individual holdings?

/r/CanadianInvestor/comments/1gb75cv/tool_to_see_individual_holdings/

1gb8bwt

CrispyTsinelas

TradingView Premium for Desktop – Free Version Available

/r/CanadianInvestor/comments/1gb8bwt/tradingview_premium_for_desktop_free_version/

1gb8ogp

Rule 4 of this sub says: "Thoughts on xyz" or "what to buy" or general discussion belongs in daily thread." I want to comply so please tell me what and where is "daily thread".

Betanumerus

Where is "daily thread"?

/r/CanadianInvestor/comments/1gb8ogp/where_is_daily_thread/

1gbdvme

I want to allocate a portion of my portfolio to private credit and came across INCM.TO and was curious to get people’s perspective on private credit in general and perhaps more specifically the INCM ETF or any other relevant alternatives.

mathieuisabel

Private Credit ETF

/r/CanadianInvestor/comments/1gbdvme/private_credit_etf/

1gbgegj

I don't really see a lot of talk about this, if you do, how well do you do compared to your irl portfolio, does it actually make you learn stuff and become better investor? I have used investopedia its cool and its nice seeing i'm way up on that than my actual portfoli, but just thought id throw this out here, share yours im curious https://preview.redd.it/915r1cb5gswd1.png?width=1186&format=png&auto=webp&s=2812ba17d28d4b119427aced2ae831da832cc0a9

SanjiSenpai

Do you guys use investing simulators still ?

/r/CanadianInvestor/comments/1gbgegj/do_you_guys_use_investing_simulators_still/

1gbgsdw

Which ETF is equivalent to have around 4-5% of return and lowest risk.

ForeignCabinet2916

Where to move my HISA money?

/r/CanadianInvestor/comments/1gbgsdw/where_to_move_my_hisa_money/

1gbgutk

rare_bloke

Advice on investing birthday money on behalf of children

/r/CanadianInvestor/comments/1gbgutk/advice_on_investing_birthday_money_on_behalf_of/

1gbiekw

Looking to deploy some USD cash in RRSP For CAD I got XEQT but was wondering what you do for your USD cash if you wanted to be close to that if not exact. I know VT is easy but what about tax drag on dividends? Is it worth the extra effort of going VTI plus VXUS? And by doing so how much will it reduce the WHT in RRSP for foreign dividends? And allocation wise do you follow VT's 60 for US and 40 for VXUS? Thanks in advance!

Batmanners01

VT vs VTI plus VXUS in RRSP?

/r/CanadianInvestor/comments/1gbiekw/vt_vs_vti_plus_vxus_in_rrsp/

1gbpupg

I have just maxed out my TFSA contribution limit for 2024 as of today. I want to prepare for my $7000 limit for 2025 as early as possible. **When is the first date I can begin to contribute to my 2025 TFSA contribution limit?** Is it the calendar year (i.e. I can invest $7000 on January 1, 2025?). Or is it based on my birthday? (i.e. I turn 28 in June so $7000 on my birthday)

EasyDistrict7714

What date can I begin contributing to 2025 TFSA?

/r/CanadianInvestor/comments/1gbpupg/what_date_can_i_begin_contributing_to_2025_tfsa/

1gbqnoy

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OPINION_IS_UNPOPULAR

Daily Discussion Thread for October 25, 2024

/r/CanadianInvestor/comments/1gbqnoy/daily_discussion_thread_for_october_25_2024/

1gbvxd9

This post got removed from r/PersonalFinanceCanada for some reason, maybe they don't like questions regarding speculation.. Earlier this year I took a $16K RRSP loan and invested it all at once to max my RRSP. Then I paid off the entire loan at once with my bonus and tax return, so I incurred maybe 2 months and a half of interest. But within those months, I made quite a bit of money on that $16K, and the months that followed. I know the market has been doing pretty well in the last couple of months, but this got me thinking, that maybe it makes more sense to invest a lump sum as soon as the contribution room becomes available to take advantage of compound growth sooner and with a larger amount? As opposed to doing smaller monthly contributions throughout the year? Given that I can pay off the loan with my tax return + bonus in April to incur as little interest as possible. Then I just focus on maxing the TFSA throughout the year. What are your thoughts

Charger_Reaction7714

Does it make sense to take an RRSP loan to max it as soon as the contribution room refreshes so I can invest the entire amount as early as possible?

/r/CanadianInvestor/comments/1gbvxd9/does_it_make_sense_to_take_an_rrsp_loan_to_max_it/

1gbwhj3

My wife and I (mid/late 20s) are looking to open an FHSA each, our goal is definitely in 5 years time to buy a house. We had an appoint with TD bank today where I have other accounts open, and to my surprise they said there is no direct investing and instead we have to choose out of the following holdings for our FHSA: * [https://www.td.com/ca/en/asset-management/funds/solutions/portfolio-solutions/comfort-portfolios](https://www.td.com/ca/en/asset-management/funds/solutions/portfolio-solutions/comfort-portfolios) Now, my first question I guess is what are suggestions to hold in my FHSA. I don’t want to be in a situation where 5 years from now I’m down, I have a TFSA where I hold VFV/XEQT/XQQ already. What is the general slow and steady suggestion people have? or should I look into the portfolios TD has to offer? Based on above then the question is, to go the direct investing route should I open with wealthsimple? is it all the same at the time of buying a house to get your money out, how have people’s experiences been, how exactly does it work with wealthsimple? don’t want to run into any hurdles

JonSnow_123

FHSA Confusions: What to hold? Open with TD vs Wealthsimple?

/r/CanadianInvestor/comments/1gbwhj3/fhsa_confusions_what_to_hold_open_with_td_vs/

1gby3kh

My TFSA/FHSA is currently 75% Cash.TO 10% XQQ and 15%BTCC. My new strategy will be to bi weekly contribute 33% to each of XQQ, VFV and XEQT. Is there too much overlap with this ? My timeline is about 5 years which I understand isn’t super long term but I believe we are in a serious growth wave. AI, robotics, real estate adjustment. Etc. Maybe I can replace XQQ or VFV with a blue chip or bank ETF? Any recommendations? Thoughts and feedback appreciated.

secto10

Is this a good split ?

/r/CanadianInvestor/comments/1gby3kh/is_this_a_good_split/

1gbzem2

What are the options?

hamlet_darcy

If you have a parent giving you a down payment for a home purchase, are the options to have a joint mortgage with them or pay tax on the gift from your parent?

/r/CanadianInvestor/comments/1gbzem2/if_you_have_a_parent_giving_you_a_down_payment/

1gc0bau

Hey all With the XEQT movement there are a lot of positives due to simplicity. Is there a dividend etf that is similar? In terms of a great set it and forget it option ? I would like to compare the two and decide. Thanks !

Split_Seconds

XEQT and chill. Is there a dividend ETF with similar vibe ?

/r/CanadianInvestor/comments/1gc0bau/xeqt_and_chill_is_there_a_dividend_etf_with/

1gc1ou4

I've been watching BK and LBS Class A shares specifically. LBS tends to trade substantially below the NAV (nearly 8% below now) posted on the site whereas BK tends to trade at par or higher than the NAV (~1-2%). Any insights into why the discounts and premiums on either of these?

flufffer

Split Corp BK & LBS NAV to Class A share price

/r/CanadianInvestor/comments/1gc1ou4/split_corp_bk_lbs_nav_to_class_a_share_price/

1gc39m6

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OPINION_IS_UNPOPULAR

Weekend Discussion Thread for the Weekend of October 25, 2024

/r/CanadianInvestor/comments/1gc39m6/weekend_discussion_thread_for_the_weekend_of/

1gc6mkx

Looking at the prices of XEQT and XGRO -- starting at the inception of XEQT 5 years ago -- I'm struggling to see any considerable advantage of XGRO over XEQT. For example, is there some obvious, appreciable dampening of downturns -- and not merely of overall growth? Maybe the effects would be more evident on longer timescales, during different downturns, and in different bond-return environments? https://preview.redd.it/66bn2prxbywd1.png?width=1264&format=png&auto=webp&s=0c816b1baa21b7f6bf3b5c5979c3aef189766c1d Looking at prices over a longer period, starting when the very first ETFs in this family arose, and comparing XGRO and XBAL, I can see that the greater bond weighting in XBAL seems to have lent investors some protection from the intensity of the 2008-2009 crisis. (Right?) Would XGRO and XEQT compare similarly, had they existed back then, or during a similar crisis in the future? https://preview.redd.it/w4wjq3n2dywd1.png?width=1243&format=png&auto=webp&s=6d37a525800b38b775f1688fc1024a901956b3fd Finally, what on earth is the point of XINC and XCNS? Are people receiving decent distributions from them and that's it? Any insights would be very much appreciated!

FuinFirith

Extent of Volatility Dampening via Bonds in Asset Allocation ETFs

/r/CanadianInvestor/comments/1gc6mkx/extent_of_volatility_dampening_via_bonds_in_asset/

1gc708q

I currently have some USD in my TD bank account. What would be the best way to transfer the USD into a TFSA account to purchase US stocks? edit: I've already submitted a PAD with questrade.

damastas

USD TFSA

/r/CanadianInvestor/comments/1gc708q/usd_tfsa/

1gc71mz

New to trading, I was wondering what effect, if any, the party in power has over the TSX? I’ve read in the US that the market tends to do better under a democratic leader, and I was wondering if the same holds true in Canada? I did a quick google search but couldn’t find any articles or information regarding my question.

CanadianEH86

TSX under Conservative Gov

/r/CanadianInvestor/comments/1gc71mz/tsx_under_conservative_gov/

1gc8c7a

What are your thoughts on Aritzia? I have a modest position that has gone up a lot in the past year. I'm not sure how I feel about it right now, it continues to fall since their Q3 earnings, I want to believe they will continue to grow but fashion is so hard for me to predict, trends come and go. Their revenue has drastically slowed down since shooting up from 2020-2022, and with people being so picky with where they put their money nowadays, I'm not convinced it will have that kind of an increase again anytime soon. Anyways, I'll probably continue holding but I'm curious to hear others opinions, thank you in advance.

trodg23

Aritzia thoughts

/r/CanadianInvestor/comments/1gc8c7a/aritzia_thoughts/

1gc98n4

Which will be less volatile? Would I be better off with XEI because I could simply collect the dividend distribution rather than sell in a down market?

Minimum-Divide-7899

XEQT or XEI in retirement

/r/CanadianInvestor/comments/1gc98n4/xeqt_or_xei_in_retirement/

1gcb1k0

Has anyone ever invested with TD mutual funds? I understand there’s better options but have zero knowledge and figured I’d start out with this. I don’t need the cash anytime soon. Would you go low risk, medium risk or aggressive risk? With the rate cut, which option would be better? I’d say I wouldn’t touch this money but if I did it wouldn’t be for another 10 years.

otmoonie

TD mutual funds

/r/CanadianInvestor/comments/1gcb1k0/td_mutual_funds/

1gcbsyv

What would you do with 30k right now to get a steady return? I’m looking for something safe in case I need this extra cash if I get laid off from my tech job lol

sosadsabina

What to do with 30k

/r/CanadianInvestor/comments/1gcbsyv/what_to_do_with_30k/

1gcuryo

My current emergency fund is kept in a scotia momentum savings account with a very poor interest rate of 1.8%… Would it make sense to move this to a TFSA and buy CASH.TO instead? Should I ever need the money does withdrawal affect total contribution room? Where do you guys keep your emergency fund? Thanks a lot!

Stank-Pappy

Best Place to Keep Emergency Funds

/r/CanadianInvestor/comments/1gcuryo/best_place_to_keep_emergency_funds/

1gcuygh

The Bank of Canada cut its benchmark policy interest rate by 50 basis points to 3.75%. We everything being ATH just dont know what to do now , and to make it worse Israel just attacked Iran

Charming_Raccoon4361

Is it too late to invest in bonds?

/r/CanadianInvestor/comments/1gcuygh/is_it_too_late_to_invest_in_bonds/

1gcxrt6

Is anybody here still using Wealthsimple’s robo advisor? How’s it performing for you guys? I’m still new to investing. I started WS back in 2020. I set mine to risk level 9. Continued investing through Covid. Took a big hit but I just kept investing every month. I’m currently sitting at almost 27% positive return. For long time professional investors, can this be considered a good performance?

OutlandishnessSea258

How is your Wealthsimple Robo advisor account doing?

/r/CanadianInvestor/comments/1gcxrt6/how_is_your_wealthsimple_robo_advisor_account/

1gdhpj2

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OPINION_IS_UNPOPULAR

Overnight Discussion Thread to Kick Off the Week of October 27, 2024

/r/CanadianInvestor/comments/1gdhpj2/overnight_discussion_thread_to_kick_off_the_week/

1gdicya

As the title says. Looking for advice if anyone considered investing in Artwork. I looked up Masterworks and they are suggesting that their artwork deals have outperformed S&P500 over the years. Seems too good to be true but want to ask if anyone here considered that. Appreciate any info, thanks!

expungedrubric

Has anyone invested in Art via Masterworks?

/r/CanadianInvestor/comments/1gdicya/has_anyone_invested_in_art_via_masterworks/

1gdito8

This is my question for future investments. If Trump gets in and imposes an across the board 10% or more tariff on all imports to the US which industries and sectors of the economy are hurt or boosted the most in Canada or in the US. What areas are worth getting into or out of prior to him taking power in either the Canadian or the US market.

NWTknight

Trump and Tariffs who wins and who loses in Canada

/r/CanadianInvestor/comments/1gdito8/trump_and_tariffs_who_wins_and_who_loses_in_canada/

1gdj12e

Hi all, I'm in Ontario and I have about four grand sitting in a savings account doing nothing. I don't have alot of expenses and now I know that I make enough to not need to have instant access to that money. Just looking for opinions on what to do with it, I'm not very financially literate other than being good at keeping my spending under control. Sorry if this isn't the place to ask but as far as I can tell it is and I'm following the posting rules.

vaderman645

Looking for advice on what to do with saved money

/r/CanadianInvestor/comments/1gdj12e/looking_for_advice_on_what_to_do_with_saved_money/

1gdjgsx

She’s born this year so have 18 years left until it’s used. Plan to take advantage of govt contributions and do full amount each year. Want to avoid fees and already self manage my own TFSA.

TerribleDrawer3730

Is putting my daughter’s RESP all into VGRO a good option?

/r/CanadianInvestor/comments/1gdjgsx/is_putting_my_daughters_resp_all_into_vgro_a_good/

1gdqm8t

Hi team, In my late 20’s and finally started making good money now. I’ve neglected investing these past few years but looking to change that now. I’m getting married next year and have funds saved up for the wedding and a down payment for the house already. I don’t think I’ll need the FHSA to purchase a house but I’m looking to take advantage of it to eventually roll it over into a RRSP. How would you/did you invest into a FHSA? Thank you!

6Flight

How did/would you invest in a FHSA?

/r/CanadianInvestor/comments/1gdqm8t/how_didwould_you_invest_in_a_fhsa/

1gds8y2

My goal is to invest 1. ETF that follows the s&p (VFV & VOO) 2. ETF that invests in the total stock market (VEQT) 3. ETF that earns dividends (SCHD & VDY) I understand that buying US ETFs may incur foreign transaction fees or withholding taxes on dividends. But the withholding taxes are not charged if it's invested in an RRSP? What is the general consensus for how one should invest in the above-listed ETFs and from which of the 3 accounts (RRSP, FHSA, TFSA) is holding these recommended? Like for does it make sense to have some of these ETFs in 1 of these accounts but not the other? VFV, VOO, VEQT, SCHD & VDY are what I've shortlisted and wanted to get opinions on how I should distribute/split my portfolio with these or if I should reduce this list or expand them?

AnSmartDude

Recommended ETFs for RRSP, FHSA, TFSA

/r/CanadianInvestor/comments/1gds8y2/recommended_etfs_for_rrsp_fhsa_tfsa/

1gdybm3

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OPINION_IS_UNPOPULAR

Daily Discussion Thread for October 28, 2024

/r/CanadianInvestor/comments/1gdybm3/daily_discussion_thread_for_october_28_2024/

1ge5wa4

After some recent re-evaluation of platform and offerings, I want to move my TFSA from TD to WealthSimple. I already have a TFSA open in Wealthsimple as well. One of the questions I had was, is it possible to move just a select few holdings form my TD TFSA to Wealthsimple, or do I need to move over my entire TFSA? and does it matter that I already have a TFSA in WealthSimple? Also what would be the fees associated, I have around \~12k in my TD TFSA.

JonSnow_123

Transferring TFSA Holdings from TD to Wealthsimple

/r/CanadianInvestor/comments/1ge5wa4/transferring_tfsa_holdings_from_td_to_wealthsimple/

1ge8bkk

This offer is currently available by invitation only. If you have received an invitation email from Wealthsimple or a notification in the Wealthsimple app, the offer applies to you. Otherwise, please keep an eye out for future offers. The Reduced FX Conversion Fee applies each time you perform a currency conversion for amounts greater than $10,000 with the USD account. This applies to conversions from USD to CAD and CAD to USD. There is currently no set end date for this offer. Wealthsimple reserves the right to terminate this offer at any time or to make the reduced pricing the standard pricing, or to introduce a different pricing structure. To benefit from the reduced fee offer, a USD account is required if you have received this offer. https://promotions.wealthsimple.com/hc/en-ca/articles/30338377797403-Wealthsimple-USD-account-reduced-conversion-fee-offer

MandalorianBeskar

Wealthsimple rolling out Reduced FX Conversion Fee offer

/r/CanadianInvestor/comments/1ge8bkk/wealthsimple_rolling_out_reduced_fx_conversion/

1ge8q47

I want to max out the $8000 per year FHSA, but the ETF i want to use has dividends. I am trying to figure out if the dividends re-invested would count as contributions. If they do I would just put the money towards a tax free account where i have lots of room. Also trying to learn from CRA but not finding the information easily. Thank you.

AnyBass

FHSA, Do ETF DIvidends count as contributions lowering the yearly limit

/r/CanadianInvestor/comments/1ge8q47/fhsa_do_etf_dividends_count_as_contributions/

1ge9m9e

softkake

[Serious] What has your annualize rate of return been for the last 5 years?

/r/CanadianInvestor/comments/1ge9m9e/serious_what_has_your_annualize_rate_of_return/

1gegckz

I'm 22 years old and this is my Long-Term growth portfolio. Trying to be a "high-risk" investor while being diversified. - 50% US equity large caps (75% in vfv and 25% in xqq) here I want exposure to s&p and the nasdaq . I feel like it's better to be into the s&p more as nasdaq is tech oriented higher risk. I know there's some crossover here. -20% in global large caps growth equities (xsu) -15% in cad all cap index (vcn) -15% in small cap US growth (xsu) The goal for me is to be well diversified and have exposure to maximize growth over the next decades of my life. Still want cad exposure but don't want to have too much home country bias. Not interested in fixed income assets. I want to focus primarily on growth equity. Suggestions and comments are more than welcome.

defga1326

Portfolio, let me know suggestions or improvements

/r/CanadianInvestor/comments/1gegckz/portfolio_let_me_know_suggestions_or_improvements/

1gehg9i

I'm looking at the price and holdings on Yahoo Finance. It looks different. There is also no information on the monthly distribution. What do you think about JEPQ.TO? If I was planning to purchase JEPQ in my RRSP, should I purchase JEPQ.TO instead now

Temporary-Nothing-17

JEPQ.TO

/r/CanadianInvestor/comments/1gehg9i/jepqto/