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alvanlii

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reddit-CanadianInvestor

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1gehqgg

What are the best S&P funds to hold with low fees in an RRSP for a Canadian? Much difference between them?

whatsinanaam

XUS.TO or VFV.TO Is there a big difference?

/r/CanadianInvestor/comments/1gehqgg/xusto_or_vfvto_is_there_a_big_difference/

1gek7dn

I just started investing in stocks and I’m looking for long term stable growth. I’m stuck between vfv, vce and veqt. What should I mostly focus on to build up my portfolio?

Professional_Ebb8148

Beginner investor

/r/CanadianInvestor/comments/1gek7dn/beginner_investor/

1geqwhw

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OPINION_IS_UNPOPULAR

Daily Discussion Thread for October 29, 2024

/r/CanadianInvestor/comments/1geqwhw/daily_discussion_thread_for_october_29_2024/

1gf0q2f

Is it because CAD is consistently losing value compared to USD? Holding both VOO and VFV and just noticed my returns are higher on VFV, but I guess in the end it wouldn’t matter as if I sold VOO and converted to CAD it’d be the same gain correct?

Randomizer23

Why is VFV doing better than VOO?

/r/CanadianInvestor/comments/1gf0q2f/why_is_vfv_doing_better_than_voo/

1gf0vkf

Is there a historical trend based on democrats or republicans winning?

CzechUsOut

What usually happens to the market around US election day?

/r/CanadianInvestor/comments/1gf0vkf/what_usually_happens_to_the_market_around_us/

1gf1h3x

My mortgage is up soon - Id like to put a Lumpsum but unsure of timing. Before= My mortgage will be less at time of renewal = Smaller payments during the term After= Applied directly to principal. payments are the same and term stays the same. Any real benefit of doing it before or after? One bank employee said , best to do it after SINCE the lower your mortgage amount the less likely you'll get a decent rate

cityhunterspeee

Up for Mortgage renewal - Lumpsum BEFORE or AFTER renewal?

/r/CanadianInvestor/comments/1gf1h3x/up_for_mortgage_renewal_lumpsum_before_or_after/

1gf2gvg

I have 10k invested in a 1-year locked-in GIC in my TFSA maturing at the end of the month. The renewing rate I was given was 3.95% but the current yield for CASH.TO is 4.78%. Is there risk of just cashing out the GIC and buying CASH instead? TIA!

fsuchin

1-year GIC at 3.95% or buy CASH.TO instead?

/r/CanadianInvestor/comments/1gf2gvg/1year_gic_at_395_or_buy_cashto_instead/

1gf3yos

I recently came into some money from a court case and I have been watching and reading a lot about investing/finances, but I find that I struggle to understand it. I was wondering if anyone has any advice to a new investor or has any sources to read/watch that explain it in an effective way. I don’t really know how to go about making my money grow because I come from a pretty poor family background with little to no knowledge of finances. I just want to make sure that I don’t struggle in the future when I plan to have kids and I am honestly open to any and all advice on how to start investing. Thanks in advance.

LessThanLolita

New to investing, looking for advice!

/r/CanadianInvestor/comments/1gf3yos/new_to_investing_looking_for_advice/

1gf7mgc

Hi all! As part of a mortgage rate reduction deal, I've agreed to move my RRSP accounts from Wealthsimple to CIBC. I have two RRSP accounts with WS. One is self directed which is 100% VEQT, and the other is their managed/robo advisor product. I want to transfer both, and as far as I've researched I can transfer the self directed VEQT in-kind. I'm not sure about the managed product though, and I've been unable to find an answer through searching. I called CIBC and asked and they weren't sure either. Do I need to initiate a sell off of the holdings in the managed product so that it's cash before the transfer, or can I just initiate it from CIBC and just let them deal with it, or something else? I don't have access to my CIBC investment account yet so I can't see my options, but I need to initiate the transfer from the CIBC side so that CIBC can see it to confirm I've held up my end of the deal for the reduced rate. Just trying to be ready for when my CIBC account is activated. Thanks!

1v1ltnonoobs

Moving RRSP accounts from Wealthsimple to CIBC

/r/CanadianInvestor/comments/1gf7mgc/moving_rrsp_accounts_from_wealthsimple_to_cibc/

1gf9wjm

Custodianscruffy

With recent rate cuts, why the dip in Canadian bond ETF’s?

/r/CanadianInvestor/comments/1gf9wjm/with_recent_rate_cuts_why_the_dip_in_canadian/

1gfa9a1

I recently started a FHSA so I’ll be contributing for the next 5-6 years. What kind of investment would you hold in there? GICs? HISA ETF? Balanced ETF? Growth? Dividend ETFs? DRIP investing sounds interesting and low risk, how about that? Thanks.

Betanumerus

What are you holding in your FHSA?

/r/CanadianInvestor/comments/1gfa9a1/what_are_you_holding_in_your_fhsa/

1gfbhke

EICONTRACT

David Rosenberg says investors should favour TSX over S&P 500

/r/CanadianInvestor/comments/1gfbhke/david_rosenberg_says_investors_should_favour_tsx/

1gfc4nj

Hi all, been searching for a tool that compares and contrasts similar etfs/index funds, ideally enter the ticker and it shows like funds with the details. I'm looking to move from TD to WS for the apple promo, and currently have the majority in the TD index funds TDB900 - CDN Indx-e TDB902 - US Indx C$-e TDB911 - INTl Indx-e In searching the community, i see some recommendations for VEQT and other vangard, blackrock etfs, etc. Open to other suggestions to consider as well. I'm 15-20 years from retirement, given my DB plan and the earlier retirement options. Any info is appreciated, thanks!

mjoc13

ETF finder/compare - looking to repalce TD index funds

/r/CanadianInvestor/comments/1gfc4nj/etf_findercompare_looking_to_repalce_td_index/

1gfde71

Hello all Im 39 years old and have been terrible with money my whole life. I have accumulated zero assets and blew through any money ive made. No savings no nothing. Super irresponsible i know. However I have decided to get my sh!t together and start making a change. I want to start investing for two reasons. For retirement and to possibly generate some assets and wealth so I can enjoy these future years of my life with my kids and for myself. I do not have good credit but I am working with a debt counsellor to fix that as well. So purchasing real estate or anything like that is not possible yet. I do have a medium level knowledge of the market, however, I was hoping to get some advice on where I should be focusing my investing seeing's how im starting much later in life. I plan to put roughly 15-20% of my income every month into investments. Thanks in advance

bdm634

Need Advice for Investing. Starting Late 39m

/r/CanadianInvestor/comments/1gfde71/need_advice_for_investing_starting_late_39m/

1gfix2w

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OPINION_IS_UNPOPULAR

Daily Discussion Thread for October 30, 2024

/r/CanadianInvestor/comments/1gfix2w/daily_discussion_thread_for_october_30_2024/

1gfmka3

This isn’t much, but I’m looking for as many ways as possible to make my money work for me. At the start of 2024, I started to direct my cashback from WealthSimple to my RRSP, where I strictly purchase VOO. Slowly but surely- this is a habit I’m excited to stick with. I’m 26 & plan to keep this up for the next 10+ years. Considering each purchase gets me 0.5 cents to 10 cents, seeing almost $200 is a milestone. Can’t wait to hit $500. Really puts into perspective that every penny counts.

soggybeefresin

Investing my cashback into VOO

/r/CanadianInvestor/comments/1gfmka3/investing_my_cashback_into_voo/

1gfom2q

I'm new to investing. All of my money is in my TFSA. I put 50k in a GIC for a year at 4.05% (which was the best option at the time). I have a good amount left outside of the GIC still in my TFSA. I'm considering investing in a mutual fund with some of it. My question is about the capital gains tax on the interest and/or dividends. How much would I need to invest to make a mutual fund a better option than a GIC (which I don't have to pay interest on because it's invested from my TFSA). If I'm missing something in that question please let me know. Edit: I didn't realize that there are other investments that can be done within a TFSA besides GICs. I will look into EFTs. Thank you for your feedback!

socks_in_crocs123

When are mutual funds worth the capital gains tax?

/r/CanadianInvestor/comments/1gfom2q/when_are_mutual_funds_worth_the_capital_gains_tax/

1gfqhpv

Specifically regarding Ontario’s new rollout of alcoholic beverages in their convenience stores. I’ve lived and worked in southern Ontario for 20+ years. Never have I seen convenience stores here as busy as they are since they’ve started selling alcohol. Just anecdotally at the 2 near me I routinely see 2-3x the number of people inside at pretty much all times throughout the day. All buying beer or coolers and most of them grabbing other snack products at the same time. ~20% of Canadian circle K locations are in Ontario, so if this is a province-wide trend then there’s a good case to be made for current quarter earnings to vastly surpass expectations. I’m curious if others have noticed this as well? It’s a strong brand and company to invest in regardless, but in my subjective opinion they’re currently undervalued as the full impact of their alcoholic offering hasn’t been recognized. Edit: clarification

callmecrude

Opinions on Alimentation Couche-Tard

/r/CanadianInvestor/comments/1gfqhpv/opinions_on_alimentation_couchetard/

1gfrf29

Selling 10k of my [cash.to](http://cash.to) \- looking for some good covered call funds to sub

jaevv

Selling my cash.to

/r/CanadianInvestor/comments/1gfrf29/selling_my_cashto/

1gfropk

Hi community, I was wondering if anyone has held the common canadian big cap stocks for 20 plus years and what do their returns look like. By the big caps I mean the banks, railroads and enbridge/cnq/etc. If you don't mind giving the ticker and price you bought the ticker. Your return including dividends. It would also be nice to hear why you bought these companies.

Legitimate_Source_43

Holding canadian big cap for long term

/r/CanadianInvestor/comments/1gfropk/holding_canadian_big_cap_for_long_term/

1gfs6jy

I was looking into these corporate class etfs that don't pay a dividend but reinvest it. Then I opened the "ETF Facts" document. Most of them were fine like **HXS**, HXT and HXQ. However when I looked at the total ETF expenses which included TER(Trading expense ratio) for HXDM and HXEM, it was 0.51% and 0.58% respectively. I thought MER included all expenses? I do understand that it is developed and emerging markets so costs will be higher but does having total expenses as 0.51% and 0.58% is it even worth it in taxable account?

goldbergew

Those who hold Global X's Corporate class ETFs like HXDM and HXEM why is TER so high?

/r/CanadianInvestor/comments/1gfs6jy/those_who_hold_global_xs_corporate_class_etfs/

1gfuo3o

No investor likes MERs. But at what point in your investment portfolio would you make the switch from passive ETFs to managed products? For myself l, if I ever had like, $1M I think I would switch because that’s a lot of money that I wouldn’t want to mess around with and think the 2% advice might be worth it to sleep better at night. Do you have a number?

Muted-Doctor8925

At what portfolio value would you switch to managed products?

/r/CanadianInvestor/comments/1gfuo3o/at_what_portfolio_value_would_you_switch_to/

1gfuqep

Curious…. I understand that xeqt is a good long term etf stock that yields dividends….but as a Canadian, what are your thoughts on taking advantage of the SCHD split?

GodsArmy1

XEQT (CAD) vs SCHD (USD)

/r/CanadianInvestor/comments/1gfuqep/xeqt_cad_vs_schd_usd/

1gfvsm7

Just thinking through retirement planning and wondering about the most tax-efficient way to generate income in a non-registered account. I am openly wondering if it just might be a better strategy to simply buy an equal weighting of the Big 5 banks and collect the dividends instead of having any bond holdings. A heavily regulated oligopoly, mature industry, conservative in nature. Owning all five would result in a 4.7% yield. And I don't think a bank has ever missed a payment or reduced its payout. Over a 10-15 year time horizon I would expect cap gains to exceed those of a bond holding too. Plus it gets preferential tax treatment. Is my thinking flawed? Appreciate any thoughts on this.

Illustrious_Ad_7755

Bank dividends vs bond ETF's

/r/CanadianInvestor/comments/1gfvsm7/bank_dividends_vs_bond_etfs/

1gfx44v

27 years old. Been in the market for 3 years but investing seriously since mid 2023. This is all the money I have in the market. It is split between all my registered accounts. I have a separate emergency fund that's not included in this photo. I am holding a very large percentage of cash. I understand fundamentally, time in the market beats timing the market but I find it difficult to go all in with the market making all time highs every week. I've been dollar cost averaging in to XEQT on a monthly basis and plan on doing so until all the cash is all invested. If the market goes through a correction, I will be buying more aggressively. Until then, I do about 3k in to XEQT a month. What suggestions do you guys have for better optimizing my portfolio?

FuffySweata

Suggestions for optimizing my portfolio

/r/CanadianInvestor/comments/1gfx44v/suggestions_for_optimizing_my_portfolio/

1gfyfdf

Any people who had accounts for RESPS with knowledge first which is now Embark BEWARE!!! In July 2024 it was required that in order to pull out funds an account with embark needed to be opened as they were taking over. I had a baby during that time so just switched it over recently and now my funds have dissapeared. If anyone has any information about this please let me know. I am currently trying to do research into this whole issue and it seems as though this has happened to many others. Thousands and thousands of dollars missing. Please stay away from this institution

Sassysponge411

Knowledge First switch to Embark funds missing

/r/CanadianInvestor/comments/1gfyfdf/knowledge_first_switch_to_embark_funds_missing/

1gfzjwl

Question for any TD Direct Investing veterans here, I recently switched to TD Direct Investing two months ago, and today I noticed a $40 USD credit in my USD Cash account. The description reads, ‘2024 TD NEW TO CANADA BAN,’ and the action is listed as ‘ADJ.’ I’ve already sent a direct message to TD support, but I thought I’d also check here to see if anyone has encountered this adjustment before. Thanks you.

MandalorianBeskar

Question for TD DI users here

/r/CanadianInvestor/comments/1gfzjwl/question_for_td_di_users_here/

1gg0g63

21yo saved $100,000 over the last year living at home currently sitting in CBIL and CASH ETFs plan is to use it for a condo down payment in 5 years but timeline is flexible. With all the talk about market crashes (I know there’s always talk) not sure where I should park these funds. Advice would be appreciated muchly.

MangoGecko

Saved $100,000 Not Sure Where to Hold It

/r/CanadianInvestor/comments/1gg0g63/saved_100000_not_sure_where_to_hold_it/

1ggav2u

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OPINION_IS_UNPOPULAR

Daily Discussion Thread for October 31, 2024

/r/CanadianInvestor/comments/1ggav2u/daily_discussion_thread_for_october_31_2024/

1ggh7wm

In alphabetical order, these are the low-risk short term Canadian ETFs I know of: CASH CBIL HISA PSA ZMMK ZST I’m wondering which one(s) to pick: - for an emergency fund in a TFSA - for my next car (in 1-5 years) in a TFSA - to leave at least 5 years in a FHSA So my questions: 1. Do you know of any other similar ETFs? 2. Which one did you pick and why?

Betanumerus

Short term ETFs

/r/CanadianInvestor/comments/1ggh7wm/short_term_etfs/

1ggiz7m

ClassOptimal7655

Blackstone Close to C$7 Billion Investment Deal with Rogers

/r/CanadianInvestor/comments/1ggiz7m/blackstone_close_to_c7_billion_investment_deal/

1ggly6c

Hi, I recently had a child and somehow a group called CST got a hold of me and offered me a RESP. Some guy zoom'ed us and it sounded good, lots of grants that add to your investment and what not but then the person got to the interest rate, it was a measly 4%.... Like, with average inflation rate that's sort of a joke. They did say it was a protected investment so I can't lose my money but you can get higher interest rates with a bloody GIC. Anybody know the best route to take? Did you get better deals with other banks, I just started looking around and instantly found more options with TD including GIC's, Mutual Funds ect ect. What erk'd me was at the end the CST guy got pushing and he seemed more like a salesman working on commission even though he claims it is a non profit. Anyways I told him to call me back in a week. Share with me your experiences. Thanks

NickyBoyFloy

RESP's

/r/CanadianInvestor/comments/1ggly6c/resps/

1gh1uau

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OPINION_IS_UNPOPULAR

Daily Discussion Thread for November 01, 2024

/r/CanadianInvestor/comments/1gh1uau/daily_discussion_thread_for_november_01_2024/

1gh1udx

Welcome to this month's Rate My Portfolio megathread. Here, others can chime in on your portfolio with their thoughts, keeping the rest of the subreddit clean, and giving you the ~~confirmation bias~~ sanity check you need! Top level comments should aim to be highly detailed (2-3 paragraphs). Consider including the following: * Financial goals and investment time horizon. * Commentary on the reasoning behind your current and desired allocation. The more information you can provide, the better answers you'll get! Top level comments not including this information may be automatically removed. If your comment was erroneously removed, please [message modmail here](https://old.reddit.com/message/compose/?to=/r/CanadianInvestor). --- Please don't downvote posts you disagree with. If a comment adds to the discussion, it warrants an upvote.

OPINION_IS_UNPOPULAR

Rate My Portfolio Megathread for November 2024

/r/CanadianInvestor/comments/1gh1udx/rate_my_portfolio_megathread_for_november_2024/

1gh3zey

Hi all, I understand contributions, matching, investing, etc., but as someone who started investing when ETFs were already ubiquitous… I don’t seem to understand how these mutual funds ‘work’ vs ETFs. If in a paycheque I contribute (w/ employer matching) a sum of $250, and Manulife invests this money according to the % I selected for each mutual fund… what actually happens when they ‘invest’ it? Are they buying all the underlying stocks just like an ETF? What do I actually own here? How is the value of the mutual fund ‘decided’? When I buy or sell one of these units (I’m aware I can’t actively buy/sell and it’s all on a schedule—but theoretically), what happens? Does Manulife find a buyer? Is there ever a liquidity problem with these funds? Thanks!

ChristianSky2

Can someone please explain the basics of Employer RRP Manulife Mutual Funds?

/r/CanadianInvestor/comments/1gh3zey/can_someone_please_explain_the_basics_of_employer/

1gh7jtj

Tell me if this makes sense please: For context I'm 34 and have an annual income over 140K. RRSP account is in VDY (DRIP) TFSA is in XEQT (DRIP) Considering the Canadian overlap, would it make more sense to exchange all my XEQT for VFV? Thank you!

Stank-Pappy

Selling my XEQT for VFV and VDY

/r/CanadianInvestor/comments/1gh7jtj/selling_my_xeqt_for_vfv_and_vdy/

1gh8109

Hi all,  Can someone explain how much of a difference there is between the American exposure of XEQT vs. XAW ? I understand there is a percentage allocation difference.  XEQT holds     \- ITOT Total US stock Market  XAW holds   \- IVV SP 500   \- ITOT total US market   \- IJH US Mid Cap   \- IJR US Small Cap  overall XEQT is 46% USA while XAW is 64% USA.  Is there any notable difference in returns between XAW holding the individual mid and small caps vs. XEQTs total US market? From what I have read they basically trend too an identical return over time. Would XAW have higher returns if US mid and small caps do better because it has both ITOT/IJH/IJR?   Or would the ITOT in XEQT encapsulate those returns in a more or less identical manner?  Currently doing XIC and XAW - so overall this is splitting hairs. But if the American holdings are identical with XEQT and XAW I would consider switching to XEQT for more simplicity in DCA.  Would anyone care to weigh in? Much thanks, 

rguy-111

XEQT vs. XAW American Exposure

/r/CanadianInvestor/comments/1gh8109/xeqt_vs_xaw_american_exposure/

1gh9isf

Hey everyone, Long time reader, first time poster. My wife and I are looking for any materials we could refer to or books to read to help us along our investing journey. We are just starting out and looking for guidance on how to find a plan that works best for us. We both earn 100k+ and are 35 but have not had a solid plan at all in investing whether it is rrsp or tfsa etc. Suggestions?!

Puzzled89

Looking for investing resources

/r/CanadianInvestor/comments/1gh9isf/looking_for_investing_resources/

1ghbcsg

First time VOO buyer! wondering what platform or firm us Canadians should be using to buy it. Any tips? thanks! also, someone mentioned buying it through a TFSA

replover666

Looking to buy VOO for the first time. What platform/firm should I use?

/r/CanadianInvestor/comments/1ghbcsg/looking_to_buy_voo_for_the_first_time_what/

1ghc77j

For context, I turned 18 in 2022 and maxed out my TFSA at $19k or so. I also became a Canadian citizen that year. And so did my mother. But she turned 18 in 1993 and was born outside of Canada. Would that stop her contribution limit from still being $95,000?

Dolphinfucker5000

Do TFSA contribution limits only apply after you become Canadian citizen

/r/CanadianInvestor/comments/1ghc77j/do_tfsa_contribution_limits_only_apply_after_you/

1ghee5d

Own shares in both. Too much overlap? Which to sell, what to buy? Have 15000$ invested between the two. Any advice helps.

Usuallystraight69420

QQC and HXQ

/r/CanadianInvestor/comments/1ghee5d/qqc_and_hxq/

1ghefen

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OPINION_IS_UNPOPULAR

Weekend Discussion Thread for the Weekend of November 01, 2024

/r/CanadianInvestor/comments/1ghefen/weekend_discussion_thread_for_the_weekend_of/

1ghfuct

What do they usually charge? A percentage of total assets I suppose? What's a reasonable fee? How do know if they're trying to screw you?

Betanumerus

If you have a trustworthy financial advisor, how did you find him/her/them?

/r/CanadianInvestor/comments/1ghfuct/if_you_have_a_trustworthy_financial_advisor_how/

1ghhjir

With the Bank of Canada significantly lowering interest rates, many HISA ETFs (like CASH.TO, PSA.TO, and CBIL) have also reduced their dividend yields to align with these changes. This raises an interesting question: should investors consider holding USD HISA ETFs (such as PSU-U.TO or others) to take advantage of the higher interest yields currently available in the U.S.? Here are a few points to consider: 1. **Currency Conversion and Fees:** For someone with most assets in CAD, does it make sense to incur currency conversion costs and FX fees (or utilize Norbert's Gambit) for the sake of a higher interest rate? 2. **Tax Implications:** If you hold USD HISA ETFs in accounts like the FHSA or TFSA, which are subject to a 15% withholding tax on U.S. dividends, does this negate the benefits of the higher yields? 3. **Interest Rate Comparisons:** It's my understanding that U.S. interest rates are influenced by the Federal Reserve, while Canadian rates are set by the Bank of Canada. Historically, have U.S. interest rates tended to be higher than Canadian rates? I’m hesitant to pursue this if the rate advantage is only temporary. I’d love to hear if anyone has done the math on this topic and what their findings were. If you are investing in USD HISA ETFs, which ones are you using?

Theory-Of-Relativity

Considering USD HISA ETFs with Lower Canadian Rates

/r/CanadianInvestor/comments/1ghhjir/considering_usd_hisa_etfs_with_lower_canadian/

1ghjnha

I have my RSP with Wealthsimple robo advisors and am happy so far with returns. I also have a TFSA GIC with 65k at EQ bank that I locked in for 1 year at 5.25% that will mature May 2025. While looking at the Wealthsimple site I noticed a TFSA Invest account option. Just curious if anyone has any experience, I am looking into other options for a better return with rates dropping. From what I can gather you can still withdraw from and all profits are tax free, sounds like a win to me. I have always been a contribute and forget it kind of guy but as I get older looking for best options. 55M no debt and collect a monthly pension that more then covers expenses Thanks

Salford1969

Wealthsimple TFSA Invest

/r/CanadianInvestor/comments/1ghjnha/wealthsimple_tfsa_invest/

1ghvy1t

Hey all. Ive been looking to see if Wealthsimple or a competitor will bring back the 1% cash back transfer in offer. As of yesterday, TD has it. After looking at the terms, the max you will get back is 10K$ on a 1M portfolio. Even though there are trading fees, as a buy and hold investor, this is very worth it for me. I used to be with TD before I moved to questrade. If any of you have taken advantage of this promo in the past id love to know how it went for you! Thanks all, https://www.td.com/ca/en/investing/direct-investing/direct-investing-offer?cm_sp=:GOOGLE:Direct+Investing+-+Retargeting+-+English+(25_S_WL_WDI_AO_ACQ_EN_GEN):DIF:Brand+Keywords&gad_source=1&gclid=Cj0KCQjwm5e5BhCWARIsANwm06hjj6eLF40D-nfb8pElQbgKOXaNg01yzXgpgdLyCGv0Anv3BHAlLcQaAj4hEALw_wcB&gclsrc=aw.ds

I_Like_Good_Food

TD Direct Investing 1% Offer

/r/CanadianInvestor/comments/1ghvy1t/td_direct_investing_1_offer/

1ghzra1

For those of you who held TRP in your non-registered accounts leading up to the spin-off of SOBO - here's the resource you've been waiting for to help make sense of your ACB's. [Adjustedcostbase.ca - Tax Treatment of the TC Energy / South Bow Spin-Off](https://www.adjustedcostbase.ca/blog/tax-treatment-of-the-tc-energy-south-bow-spin-off/)

StoichMixture

Tax Treatment of the TC Energy / South Bow Spin-Off

/r/CanadianInvestor/comments/1ghzra1/tax_treatment_of_the_tc_energy_south_bow_spinoff/

1ghzyky

I know the popular thing nearing retirement is to switch from 100% equities to add fixed income, bonds, and other defensive stocks. However that will lead to lower returns (while preserving your capital a bit better). What if someone has enough holdings that a big drop like 2022 repeating itself doesn't really hurt, and they can ride out a recovery even if it takes a few years? Like say I have 20 years worth of portfolio savings, dropping to 16 years of savings for a while until the recovery goes back up isn't a worry. Would it be wise to still go with the more defensive strategy and pivot to XBAL & XGRO or stay the course with mainly XEQT and VFV forever?

Randomredditor416

Discussion

Question about strategy nearing retirement

/r/CanadianInvestor/comments/1ghzyky/question_about_strategy_nearing_retirement/

1gi0ac3

Berkshire Hathaway Inc.’s cash pile reached $325.2 billion in the third quarter, a record for the conglomerate, as Warren Buffett continued to refrain from major acquisitions while trimming some of his most significant equity stakes. Berkshire once again trimmed its holdings in Apple Inc., the Omaha, Nebraska-based conglomerate said Saturday in a statement. The firm’s stake in the iPhone maker was valued at $69.9 billion at the end of the quarter, down from $84.2 billion in the second quarter, indicating that the company cut its stake by about 25%.

MandalorianBeskar

Berkshire Hathaway’s Cash Hits Record $325.2 Billion as Buffett Cuts Apple Stake by 25%

/r/CanadianInvestor/comments/1gi0ac3/berkshire_hathaways_cash_hits_record_3252_billion/

1gi6yla

Anyone familiar with DCF modelling able to chime in on if my model inputs are reasonable? 1. Discount rate of 10% 2. EPS excludes last quarter due to the charge (\~5.6 TTM) 3. Growth stage 10 years of 6% (3 year CAGR is 6.9% per Seeking ALPHA) \-- Reasonable considering they haven't acquiring anything since first horizons deal fell through 4) Terminal stage 10 years of 2% (inflation) Fair Value = $73.35 However, if EPS does recover to 2021 levels through lower PCL due to rate cuts, which it eventually should within 2 years: EPS of 7.73 Fair Value = $93.29 Meaning downside risk of 5% (assuming no defaults on those loans), with an upside of 21% over 2 years (10.5% return + 5.2% dividend per year).

DragonScimmy100

TD Discounted Cash Flow Model (EPS BASED) Assumptions CHECK

/r/CanadianInvestor/comments/1gi6yla/td_discounted_cash_flow_model_eps_based/

1gio3em

I just turned 42 and been investing for a couple of years now. Maxed out TFSA with Veqt 125k and will maxing it out for next 20 years, RRSP Veqt 25k and will be adding 10k every year, FHSA 20k VFV and will max it out until the limit allows. Is it a good path to the retirement? should I adjust something for better return/value?. Should I max out RRSP cause I still have some room or invest in non registered accounts so I have access to it anytime?

Awkward_Name_9777

Investing for the future

/r/CanadianInvestor/comments/1gio3em/investing_for_the_future/

1giqf14

As we know loonie is 52 week low atm in comparison to USD. I am also hearing more layoffs despite of lowering the interest rates. How will it affect. 1. Housing 2. Employments 3. Stocks. Thank you for reading it. Please chime in what you gotta say or feel about it?

thehumbleguy

What do you think will happen with the trend of rising unemployment, lowering the interest rates and Loonie getting weaker?

/r/CanadianInvestor/comments/1giqf14/what_do_you_think_will_happen_with_the_trend_of/

1gisbga

Gy7479

Brookfield moves HQ to New York in corporate restructuring aimed at boosting investor base

/r/CanadianInvestor/comments/1gisbga/brookfield_moves_hq_to_new_york_in_corporate/

1giv0we

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OPINION_IS_UNPOPULAR

Overnight Discussion Thread to Kick Off the Week of November 03, 2024

/r/CanadianInvestor/comments/1giv0we/overnight_discussion_thread_to_kick_off_the_week/

1giyokz

Question as a newbie long term investor in us equities. When I buy US stocks my broker gives me the choice between buying it with cad or usd. As a Canadian investor and in a tfsa account which would be the best option.

bobbyroger123

USD vs CAD

/r/CanadianInvestor/comments/1giyokz/usd_vs_cad/

1gj42c5

Hey all, I’m 34 with a background in content marketing, copywriting, social media, and advertising, with stints in adtech and martech. I’ve realized that while I’ve enjoyed creative work, I’m craving more structure, methodology, and, frankly, the opportunity to work with sharper minds. I hate being out of work and I hate that marketing can feel so... anticlimactic?? Finance seems like a field where I could gain more rigor and growth potential. I’d love any advice on how to make this pivot – particularly entry points for someone with my background. Thanks in advance!

okyoudothat

break into Finance Career - Communications/Content/Social Background

/r/CanadianInvestor/comments/1gj42c5/break_into_finance_career/

1gj4jyu

Articles like this reflect the expected forecasted returns over the next decade to be an annualized 3%. Given this information, I am considering more long term US treasuries or Corporate bonds. Anyone else considering emphasizing bonds etc over equities over the next decade?

InevitableFactor9898

Reports of forecasted Poor Equity performance over the next 10 years: alternative options?

/r/CanadianInvestor/comments/1gj4jyu/reports_of_forecasted_poor_equity_performance/

1gj5hf2

Okay, let's pretend that I turned 18 in 2020. And I wanted to open a bank account today in 2024 at the age of 22. From 2020 to 2022, the limit was $6,000. In 2023, the limit was $6,500. In 2024, the limit was $7,000. Would I be able to contribute $31,500 by the end of 2024 or just $7,000?

throw-away3105

Noobie question: What is my actual TFSA limit?

/r/CanadianInvestor/comments/1gj5hf2/noobie_question_what_is_my_actual_tfsa_limit/

1gj5tc6

Our mortgage is up for renewal this week. We don't have tons left (under 150K) so can manage the payments even with current higher rates (4.24 fixed, 5 year term), but I'm wondering about just paying it off. We could cover most of it from my wife's RRSP, and the rest from our chequijg account cushion. She's currently home-schooling our kids, so has no income. She may work again when they're older, so I'm wondering if this is a smart time to take advantage of her current tax bracket and cash out. We have been earning more from investments than we're paying in interest on the mortgage, but it would be emotionally beneficial for us to pay it off, and since we could do it without penalty now I'm considering it. Thoughts? UPDATE: Thanks for the input, everyone. The tax implications were more involved than I realized (which is why I asked for advice here), so while making a smaller payment to reduce the mortgage before we renew may still be reasonable, doing a large RRSP withdrawal would cost too much to be beneficial.

rhythmmchn

Use RRSP of unemployed spouse to pay off mortgage?

/r/CanadianInvestor/comments/1gj5tc6/use_rrsp_of_unemployed_spouse_to_pay_off_mortgage/

1gj95d7

A few years ago I bought a bunch of TD e series funds with RBC direct investing because it was a much lower management fee overall compared to regular mutual funds. I have these investments in an rrsp and tfsa. I now want to take this one step further and buy ETFs, such as VGRO because I understand you can get an event lower management fee. How can I do this? And do I need to sell my current investments? Can I do it with RBC direct investing or do I need something like Wealth Simple app? If anyone has some suggestions on this (and also alternatives to VGRO) that would be great. Also, if anyone has any suggestions on good reads for websites or books, I'd also appreciate that. I haven't researched investments in a while and I'm feeling at a loss of how to better educate myself and make the most of my money.

DiscardedAmbience

How to sell TD e series and buy ETFs?

/r/CanadianInvestor/comments/1gj95d7/how_to_sell_td_e_series_and_buy_etfs/

1gja3dl

I’m a Canadian citizen (born in Canada), who now resides in UK. I do not have a permanent address in Canada; I now find myself an executor of an estate in Canada and will need to open a bank account. Is it possible to do so?

Lemmon-Truffle

Am able to open a Canadian bank account?

/r/CanadianInvestor/comments/1gja3dl/am_able_to_open_a_canadian_bank_account/

1gjbl6u

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Daily Discussion Thread for November 04, 2024

/r/CanadianInvestor/comments/1gjbl6u/daily_discussion_thread_for_november_04_2024/

1gjd36g

Flun

News

BCE paying $5-billion for U.S. internet provider Ziply, pauses dividend hikes to help fix balance sheet

/r/CanadianInvestor/comments/1gjd36g/bce_paying_5billion_for_us_internet_provider/

1gjhf4n

Hello, I can only see up to last month's activity and cannot see anything I bought in august (for example). Is there any way to see my activity log from months ago? Thank you

KoreanKimchii

TD Direct Investing Not Showing Full History

/r/CanadianInvestor/comments/1gjhf4n/td_direct_investing_not_showing_full_history/

1gjjpbi

Hey I have about $15k that I like to keep handy as an emergency fund. I’ve been keeping it in TD’s TDB8155 account which was paying almost 4.5% but with the rate drop it’s down to 3.3 and feels bad. Anyone else changing up their savings strategy with recent rate cuts?

neomaximus002

Savings Alternative

/r/CanadianInvestor/comments/1gjjpbi/savings_alternative/

1gjl1eo

Missed the peak from a few days ago but still locked in very decent returns. Anyone else locking in and batting down the hatches to see how the next 3-4 months play out? I just can’t see how there won’t be a ton of instability coming up that will affect markets, regardless of who wins. I’m not confident this is priced in yet either since the situation is very volatile and nobody really knows what happens if Trump wins *or* loses. For example, if he loses, another insurrection is a real possibility. If he wins, Elon Musk in charge of policy anyone? I’m pretty sure that’s not priced in because as all things Trump, people think “no way that will happen” and “that’s just what he says”. Thoughts?

Numerous_Try_6138

Antibody else decided to lock in their US gains before the election?

/r/CanadianInvestor/comments/1gjl1eo/antibody_else_decided_to_lock_in_their_us_gains/

1gjl41o

My TFSA contributions have kinda just been sitting there because I’m not sure where to begin or what to invest in. I’m 20 so I have 19.5k and plan to contribute every year and play the long game. Should I just buy XEQT? How do people choose certain ETFs over others? (e.g. I was looking into VOO as well but don’t know how it differs from VFV) Also I currently have my account open with iTrade is it worth moving it over to wealthsimple?

wantajob123

Lost on what to do

/r/CanadianInvestor/comments/1gjl41o/lost_on_what_to_do/

1gjnn4l

Hi what if I treat cash.to as a cash account? Crazy volume of buy and sell - but with like cents of capital gain or loss. Will cra see this and think I’m day trading? As you know, the cash.to share price changes to the exact price cycle every month

slaybrownbeast

Treating CASH.TO as a chequing account -CRA will think I’m day trading?

/r/CanadianInvestor/comments/1gjnn4l/treating_cashto_as_a_chequing_account_cra_will/

1gjpvbb

I had been investing using wealthsimple's robo adviser over the last few years but decided to do self-directed investing going forward. Feel like I'm starting quite late with this and needed some advice. I have a TFSA and plan to contribute around $1k+/month going forward, planning to do so for the next 25+ years. Had been reading a lot about XEQT and VFV. I was thinking that since XEQT has more exposure to Canadian markets than I'd like, instead of going 100% XEQT, does it make sense to mix in VFV, and do something like 70/30 XEQT/VFV for more exposure to S&P500, or simply going 100% VFV? I also have an RRSP through work, invested with RBC (growth portfolio, MER 1.96%) with a YTD return of 15% on average over the last 6 years or so. Given the higher management fee, should I also move this to wealthsimple and buy XEQT/VFV or is it recommended to buy something else for an RRSP? Looks like I'd have gotten a much better return had I done this from the start. Do I also need to consider moving away from 100% stocks as I get closer to retirement age with the ETFs I mentioned? When would I need to start considering changing my stock/bond allocation if this was the case?

ar102

32 years old need advice investing in ETFs long-term

/r/CanadianInvestor/comments/1gjpvbb/32_years_old_need_advice_investing_in_etfs/

1gjtngw

I have maxed out my TFSA for this year. Looking to see which account people generally invest in next.

omgtimmyftw

Which account to invest in next?

/r/CanadianInvestor/comments/1gjtngw/which_account_to_invest_in_next/

1gjw85r

[AQN stock analysis](https://youtu.be/XJtDQjT8er8?si=j1tVG7lnBl1N9i8Q) Points: Dividend payout ration is decent 70% roughly with EPS at 9cent and the Q Dividend at 6.5c The company is now a pure play utility play after selling renewable assets (generated 2.5bn). AQN has 9bn in debt. Some of it will be used to pay down debt As the Fed reduces interest rates the refinance of long term will start saving the company money in interest Increased demand for water, gas and electricity through AI, EVs and migration (lots of Indians and others coming to Canada as well as South Americans going to the US) AQN has applied for many price increases. And has many lined up. This will increase revenue Technically bearish but long term fundamentals looking good. Div yield 5.2%. Decent!

Top-Satisfaction5874

Anybody taking a punt on AQN now? 52week low. Analysis video below

/r/CanadianInvestor/comments/1gjw85r/anybody_taking_a_punt_on_aqn_now_52week_low/

1gjzijm

I started investing a few months back and went with the classic "boring but effective" strategy—buying a single ETF and DCA'ing into it for the foreseeable future, planning for 35+ years. Thing is, while learning what’s best for me as someone looking to invest long-term, I’ve come across a bunch of subreddits promoting single stocks. I have no real desire to get into options, but I gotta admit, the idea of investing in individual stocks seems kinda exciting. Following the news, seeing a bit more movement in the portfolio, riding out the volatility… it has its appeal. So, with that in mind, let’s say I wanted to “gamble” a small part of my portfolio (like less than 10%) and use this money to buy 10-20 different individual stocks in the micro-cap range ($10M to $100M market cap), hoping to hit a nice multiplier on one or more. How likely is it that this 10% would at least maintain its value over the years? I get that no one can give a sure answer since it depends on my picks and market conditions, but I’m curious to hear the experiences of people who’ve invested in micro-caps. Did most of your portfolio stocks that were bought as micro-cap went to -99%? Did you ever hit it big on a micro-cap? Are there specific sectors to avoid or ones with better odds? Do you have an exit strategy, like selling half if it doubles, or do you hold forever? Are you using a stop loss even tho the volatilty can really beat down the stock for a short time and then go back up as quickly. Any insights, tips, or tricks on this particular territory would be really appreciated!

wave_panda

Share your micro-cap investing experience

/r/CanadianInvestor/comments/1gjzijm/share_your_microcap_investing_experience/

1gk43z9

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OPINION_IS_UNPOPULAR

Daily Discussion Thread for November 05, 2024

/r/CanadianInvestor/comments/1gk43z9/daily_discussion_thread_for_november_05_2024/

1gk77n4

So its constantly in the news that people are holding off buying / stocks until after the election. What kind of expected outcome do people have based on which party wins? As in What happens if Republican wins and what happens if Democratics win? How do these outcomes impact investments?

jon_cli

What kind of impact does the Election have on the Trading Market?

/r/CanadianInvestor/comments/1gk77n4/what_kind_of_impact_does_the_election_have_on_the/

1gk9c3g

I could use some investment advice especially because I don’t follow markets as closely as I once did. I allocate about half of my investment portfolio into what I call my “core” portfolio. It’s 70% invested in a boring equity ETF and 30% in a canadian investment grade bond ETF (XBB.TO to be exact). A few questions: 1) Thoughts on carrying the 70%/30% split for the forseaable future? 2) I was thinking of taking on a bit more risk in the bond allocation. Maybe adding a high yield ETF. Thoughts on that? 3) Thoughts on trying to get exposure to US interest rates instead of just CAD rates?

akchahal

How much CAD or USD interest rate exposure to carry?

/r/CanadianInvestor/comments/1gk9c3g/how_much_cad_or_usd_interest_rate_exposure_to/

1gkajqw

Currently a university student (20), have 17K in the Scotia US Equity Index Fund thru my TFSA, and am putting in 350$ a month. They told me it was the closes to the S&P 500 because I want to just put the money away and let it grow. Did I go about it the right way and what should I change?

Acrobatic_Chipmunk

Seeking advice on my TFSA investment

/r/CanadianInvestor/comments/1gkajqw/seeking_advice_on_my_tfsa_investment/

1gkauuh

I just transferred my children's RESP to Questrade as cash. Child 1 will be starting University in three years and child 2 will be starting in 5. With them being so close to withdrawing funds and the US election taking place, is it best to hold off before making any decisions? Should I go with something VBAL or GICs or maybe a little bit of both being that it will be staggered?

koopdawg

Holding Cash for RESP

/r/CanadianInvestor/comments/1gkauuh/holding_cash_for_resp/

1gkb04c

So for ETFs mirroring SPY and QQQ, there are tons of Canadian funds in CAD, that are not hedged to CAD, and would fluctuate accordingly when the FX changes. However, for savings-account equivalent ETFs, it seems like you must park your funds in CAD. I am with Wealthsimple so exchanging my money to USD is a bit expensive (no Norberts Gambit). Is there a way to hold USD-equivalent in a CAD currency without being expose to market fluctuations such as with VFV or QQC for example?

john51702

Is there a CAD cash.to equivalent that is hedged to the USD?

/r/CanadianInvestor/comments/1gkb04c/is_there_a_cad_cashto_equivalent_that_is_hedged/

1gkbkd5

Hey everyone, transferring my 16k FHSA to Disnat later this week because the guaranteed 5% interest rates have expired in the FHSA account with Desjardins. Its down to 3.5 % now. What are some very low risk tickers that I could put this in to get some better returns. I’m considering something like CASH right now.

Traditional-Bass-802

Low risk ETFs for FHSA

/r/CanadianInvestor/comments/1gkbkd5/low_risk_etfs_for_fhsa/

1gkbu2y

What are your investment recommendations for a person/couple aged 62+ ? We have defined benefit pensions that we use for daily living. When one spouse dies, that pension income will decrease so the remaining spouse will need to rely on RRSP/RRIF/savings. I have about $200K to invest. I don’t have any years left for this money to grow over time. I don’t want to lose my capital. I think it would be foolish to put this money in anything risky. We have had GICs but now the rate has dropped and we seem to pay high taxes on GIC interest. This money might be used for travel or my kids will end up inheriting it What do you suggest? EDIT — we are maxing out our TFSAs with monthly investments. We have RRSPs too but stopped buying them in part due to tax issues when pulling money out. I’ve been lead to believe that RRIF taxation on death is very high. We don’t owe any money.

incognitothrowaway1A

Investment for age 62+

/r/CanadianInvestor/comments/1gkbu2y/investment_for_age_62/

1gkbud8

What are some good options that may not be as risky in the medium/short term ? I really don't want to gamble with the kids education since we know for sure of a timeliness as to when the first child will hopefully benefit from it. Thanks everyone.

Split_Seconds

XEQT in RRSP ( 15 to 20 years ) but what about RESP? (8 to 10 years)?

/r/CanadianInvestor/comments/1gkbud8/xeqt_in_rrsp_15_to_20_years_but_what_about_resp_8/

1gke8st

Yepitsmefoodiggity

Stock Exchange Sends Warnings to Lionel Kambeitz & Co.

/r/CanadianInvestor/comments/1gke8st/stock_exchange_sends_warnings_to_lionel_kambeitz/

1gkk7pu

I'm a dual-citizen US-CAD so I bought like $210K worth of VT (CAD converted to USD in IBKR) for easier tax filing That VT is now worth $250K. Seeing how volatile the USD to CAD market is, it's making doubt if it's a good idea to be investing in VT in the long-run. Should I sell my VT, eat the capital gains (like 10-15K) while I'm not at a big net worth yet, and switch to XEQT and just take on the annoying PFIC tax filing on the US side? My biggest concern is USD to CAD being 1-to-1 when I retire and ruining my retirement funds. I plan to retire with 100% in stocks with like 20M+.

the_evil_intp

I'm doing VT all the way at 27. Is this a wrong move to make if I'm going to be retiring in Canada?

/r/CanadianInvestor/comments/1gkk7pu/im_doing_vt_all_the_way_at_27_is_this_a_wrong/

1gkljat

TFSA: 95% VEQT rest mix of stocks like ENB, SU, TEC RRSP: XAW/VCN/ZAG (40/40/20) margin/Non-reg account (USD my own cash not actual margin): Currently NVDIA/Apple Timeline: 15+ years My age: 30 Risk Tolerance: Pretty comfortable getting risky I'm thinking SPY or maybe DIA

Optimal_Foundation17

What should go in my margin account based on my other account portfolio?

/r/CanadianInvestor/comments/1gkljat/what_should_go_in_my_margin_account_based_on_my/

1gkokiu

I currently have TFSA available limit of 15K & RRSP available limit of 10K. I made a mistake of not maxing these registered accounts this year & instead was investing in some ETFs for retirement. Should I liquidate my current ETFs to max out TFSA & RRSP both? I would be paying capital gains upon liquidating the current ETFs. Secondly, even with future RRSP contributions, I am only contributing 4% of salary (employer also matches 4%) which does not max out my RRSP limit. Should I be striving towards maxing out RRSP to defer taxes? I am renting for now & not planning to buy real estate any time soon. I do not anticipate making higher income in retirement.

KelsoAhmedabad

Need advise on liquidating existing ETFs to move to TFSA/RRSP

/r/CanadianInvestor/comments/1gkokiu/need_advise_on_liquidating_existing_etfs_to_move/

1gkr2t1

I have shares in a unregistered account with a gain, that I would like to be in my wife's TSFA (she has enough contribution room for the total position). My income is higher than hers (and neither of use have any unused losses to offset the gain). Does anyone know the best way to do this transfer to minimize the total tax payable?

marketable_skills

Question re Transfering Shares to Spouse

/r/CanadianInvestor/comments/1gkr2t1/question_re_transfering_shares_to_spouse/

1gkvwn8

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OPINION_IS_UNPOPULAR

Daily Discussion Thread for November 06, 2024

/r/CanadianInvestor/comments/1gkvwn8/daily_discussion_thread_for_november_06_2024/

1gkyrf3

Hi All, Wanted to get some assistance in understanding the exposure of owning Fannie Mae in my TFSA. It’s currently an OTC stock in the US (previously was not) and I found this article talking on it. https://financialpost.com/personal-finance/tfsa/how-about-a-big-bet-on-the-u-s-housing-market-for-your-tfsa So it appears it’s cross listed on the Stuttgart Stock Exchange https://www.boerse-stuttgart.de/en/products/equities/stuttgart/856099-fannie-mae However the article mentions there’s 2 Stuttgart markers and only one of them is approved as cross listed. I personally can’t find/figure out which one is the unofficial market and if this is listed on the official one. Any help would be appreciated. Thanks!

Excel86

FNMA cross listed? TFSA approved?

/r/CanadianInvestor/comments/1gkyrf3/fnma_cross_listed_tfsa_approved/

1gkzgwb

It's been almost 5 weeks since the shares were distributed and I have not received anything for the fractional SOBO that could not be distributed. I've called twice regarding this, each time the agent expected the backend staff to resolve in a week. It's now 2 weeks since my last call... nothing yet. Any other TDDI clients in the same boat? Or have you received your cash credit? ​ [View Poll](https://www.reddit.com/poll/1gkzgwb)

da4niu2

TDDI SouthBow fractional share payout delay

/r/CanadianInvestor/comments/1gkzgwb/tddi_southbow_fractional_share_payout_delay/

1gl03lx

I decided today I finally want to dip my toes into investing. I don't want to put a lot in. I just want to try this out and play around a little bit. I've chosen my stock. I tried to get ChatGPT to help me out in choosing a platform that would fit my needs. I got all signed up with Wealthsimple, added money to my account, when to purchase the stock I had my eye on. And I can't buy shares for that particular stock. Wealthsimple doesn't support OTC. I'm not getting into investing heavily at all, so IBKR isn't an option for me. I don't want anything with an annual or monthly fee. The stocks I'm looking at are US (and OTC, apparently). I've not heard good things about Questrade. So what would my next option be? Or is Questrade that bad? I literally just want to buy one stock, not spending that much money on it, and watch what it does, possibly sell it in Q2.

ExtraRedditForStuff

Wealthsimple and IBKR don't work for me. What option do I have left?

/r/CanadianInvestor/comments/1gl03lx/wealthsimple_and_ibkr_dont_work_for_me_what/

1gl30pp

is anyone here an expert on the RBCDI Practice accounts? I have some questions and want to find the best sub/best advice. Thanks in advance.

SilageNSausage

RBC Direct Investing Questions

/r/CanadianInvestor/comments/1gl30pp/rbc_direct_investing_questions/

1gl3ek5

Currently holding XEQT for 50% of my portfolio and Big 5 banks in the other 50% (CM and RY being the largest %), resulting in 75% Canadian exposure. During the trade war between Canada and the US just before COVID, the TSX was hit pretty hard. So I was wondering if it would be a good idea to convert XEQT to VFV or XAW to reduce my Canadian exposure?

Charger_Reaction7714

Should I switch to VFV or XAW for the next 4 years?

/r/CanadianInvestor/comments/1gl3ek5/should_i_switch_to_vfv_or_xaw_for_the_next_4_years/

1gl3nh6

Which broker doesn’t bottleneck during high-volume trading days in Canada? For example during Covid times, elections, meme craze, etc? I have used: * IBKR (advertises for active trading) * Questrade (advertises for active trading) * Royal Bank (one of the biggest banks in Canada) * TD Bank * Wealthsimple (long term investing) They all bottleneck during peak times… so 🤷‍♂️ Please let me know if you know of a brokerage service that doesn’t bottleneck during peak times. 🙏

Overdue604

Which broker /platform doesn’t crash during peak market times

/r/CanadianInvestor/comments/1gl3nh6/which_broker_platform_doesnt_crash_during_peak/

1gl6r83

I have portfolio of dividend paying stocks that I don't pay too much attention too. They are all invested in fairly reliable dividend generating stocks. I guess I missed the notice on A&W Income Fund and there was some sort of a merger between two different parts of A&W. From what I can tell on my dashboard it looks like the new entity isn't paying a dividend anymore. If I sell now I book a loss of about $3500, but I can move the money to a stock that does pay dividends. My calculations on this are as follows; 1. The stock needs to go up $4 for me to be able to sell at a breakeven cost. 2. Each month I hold it I'm losing a potential \~$175 in dividends if invested in another stock. So in order for me to not book a loss on the stock or missing out on dividends, the stock would have to go up about $6-8 in the next year for me to come out whole. Is that a likely scenario or do I just cut my losses and move on and hope that my next dividend paying stock appreciates and pays a dividend to cover this loss? Tx!

Michael_Monkey_1975

A&W Time to cut my losses?

/r/CanadianInvestor/comments/1gl6r83/aw_time_to_cut_my_losses/

1gl799i

Hello, I received a generous gift from a relative recently of $50,000. I want to invest this amount with a long term horizon (20+ years). Currently, I have accounts (unregistered, rrsp, tfsa) with an advisor at Wood Gundy, who charges 1% annually on my holdings with them. I have around $375k in these accounts. TFSA is maxed out for the year but RRSP is not. I do find value in having him as an advisor as he provides useful insight to me about planning financially for my future. However, I am considering the idea of investing the $50k gift into broader market index funds (s&p, global markets) in a self managed account at another brokerage to save on management fees. I have a Questrade account with unregistered and RSP accounts with nothing in them at the moment. My questions are: 1. Should I invest this amount myself with index funds, or send it to my WG account and have my advisor take care of it? He doesn’t usually invest my money in the broader market and tends to buy stocks in companies, and at times bonds. 2. If I were to invest this in a self directed account, how should I allocate the $50k and which index funds should I choose? I am 36y/o if that info is helpful. No debt, aside from a condo I own with $425k on the mortgage. EDIT: grammar/spelling

caedespeur

Investing $50k

/r/CanadianInvestor/comments/1gl799i/investing_50k/

1gl7wr6

I’m setting up my portfolio and I’ve been paired with growth portfolio for a managed tfsa. I’ve asked previously in another post in regards to tax implication for US stocks/bonds and etc… would this portfolio be subjected to me paying tax to IRS? I feel so stupid asking the same question multiple times. I’m sorry.

otmoonie

WS growth portfolio

/r/CanadianInvestor/comments/1gl7wr6/ws_growth_portfolio/

1gl8g2n

I have about 6 figures in RBC Select Growth F in a tax-sheltered account. I had this awhile ago, it wasn't so large back then. Kinda left it for many years to avoid awkwardness with my CFP. But the 1% MER kinda makes a difference now and into the future. I have VRGO in another account, Seems to be the same thing on a surface level, but with a lower MER. Should I switch some, all or don't bother? Is there an advantage to this actively-managed MF vs a ETF that I don't see?

CoffeexLiquor

RBC Select Growth F vs XRGO?

/r/CanadianInvestor/comments/1gl8g2n/rbc_select_growth_f_vs_xrgo/

1gl8nlc

Obviously oil and gas stocks will shoot up as Trump is pro natural resources. What are some other sectors to look into and what are some good Canadian and US ETFs for oil and gas? What are people's thoughts on financial movements to look out for before Jan 20th? Also: this is reddit so keep it on topic. I don't care how you feel about the election results either way

AD_VICTORIAM_MOFO

How to capitalize on US election win?

/r/CanadianInvestor/comments/1gl8nlc/how_to_capitalize_on_us_election_win/

1gl8tqm

Hi, I'm looking for a platform that allows you to separate the price of stocks you own that were bought at different times/prices Ex I buy 100 stock of A at 10$ I buy another 100 and 5$ Currently it'll immediately average show on my sheets book cost 1500 and avg cost of 7.5$ What I'm wondering is if there's a platform that I will just show me 2024-10-03: A, 100, 10$ Total: 1000$ 2024-11-25: A, 100, 5$ Total: 500$ I don't think there will be but I can hope Thanks!

Fast_Introduction_34

Platform that categorizes the same stock at different prices

/r/CanadianInvestor/comments/1gl8tqm/platform_that_categorizes_the_same_stock_at/

1gl9hv0

I invested in BCE years ago right after the Ontario Teacher Pension backed out of buying the whole corp. I now have 1100 shares with a buy in price of around $30/share. I have held the stock so long that my $33000 investment has made me $45000 in dividends. The numbers might now go around as I have sold the stock through call options more than once and bought back in at lower prices. I actually really like their plan of buying into the american market. I think from a high level it is the right idea, not maybe this deal but the idea is right. The Canadian mobile oligarchy should be trying to capitalize on their protected status in Canada and should be using their advantage to grow internationally, like the banks have done! I can hold this stock for another 20 years as I am not even 50 yet. I plan on working until I am early 70's as I love what I do. I have been a little spooked by BCE lately and am just looking for contrarian and supporting opinions of the stock. \*\*edit. I try to believe I am diversified and own VFV and XEQT as well. I own a large % of those in my portfolio than I do BCE

rocksniffers

BCE

/r/CanadianInvestor/comments/1gl9hv0/bce/