Search found 487 matches

by big easy
11 Mar 2017 13:37
Forum: Stocks, Bonds, ETFs, Funds, REITS and More
Topic: bond etfs
Replies: 26
Views: 1079

Re: bond etfs

I replaced my government bonds with a GIC ladder, with the rest of my fixed income in RRBs and CBH. CBH has a duration of under 5 and holds mostly AA & A corporate bonds. It has a better yield to maturity than VAB with less interest rate risk but more credit risk. If you are going to be spending the...
by big easy
08 Mar 2017 15:13
Forum: Financial Planning and Building Portfolios
Topic: Observations of Full Implementation (Jan 2017) of CRM2 on Your Accounts
Replies: 16
Views: 1283

Re: Observations of Full Implementation (Jan 2017) of CRM2 on Your Accounts

GreatLaker wrote:I got the following message from TDDI today. Performance reporting and fees will be reported in April.
2017?

I wonder if there are any penalties for late compliance. TD lagging behind the pack yet again. Too busy training their tellers to push expensive products to unsuspecting seniors?
by big easy
02 Mar 2017 15:43
Forum: Retirement, Pensions and Peace of Mind
Topic: Drip in a RRIF or not?
Replies: 33
Views: 878

Re: Drip in a RRIF or not?

Except why would you not want to have withholding, especially for a lump sum withdrawal on the last trading day of the year? You have to pay the tax anyway come April....and it will factor into the calculation of your istallment payments paid quarterly too. My current plan is to potentially have ve...
by big easy
01 Mar 2017 16:00
Forum: Stocks, Bonds, ETFs, Funds, REITS and More
Topic: ETFs vs. Mutual Funds
Replies: 14
Views: 507

Re: ETFs vs. Mutual Funds

I caught a CBC news story last night that described all ETFs as low cost vehicles replicating an index and all mutual funds as actively managed with high fees. As if mutual funds could not do the same thing (TDM900) and an ETF could not be a 2x leveraged bet on crude oil (HOU)? Surprising that the C...
by big easy
01 Mar 2017 15:43
Forum: Retirement, Pensions and Peace of Mind
Topic: Drip in a RRIF or not?
Replies: 33
Views: 878

Re: Drip in a RRIF or not?

My wife has a RRIF with TDDI. Withdrawals are once a year, on the last trading day. The amount is determined based on the previous year's closing balance. TDDI shows the amount that will be withdrawn right on the account. The amount and timing of withdrawals are agreed upon when you set up the RRIF...
by big easy
01 Mar 2017 10:48
Forum: Retirement, Pensions and Peace of Mind
Topic: Drip in a RRIF or not?
Replies: 33
Views: 878

Re: Drip in a RRIF or not?

So what are the mechanics of RRIF withdrawals? I'm with TD - do you take withdrawals manually as needed or can they be scheduled monthly or quarterly and taken autormatically? If automatically, what happens if you don't have enough cash/HISA on hand? Do you get a statement showing your RRIF withdraw...
by big easy
24 Feb 2017 15:55
Forum: Financial Planning and Building Portfolios
Topic: Asset Allocation during retirement?
Replies: 72
Views: 2067

Re: Asset Allocation during retirement?

Your plan seems sound AND really if your DB is about the same as CPP, then between you and your spouse, you will have substantial income from DB, CPPx2 and OASx2 assuming your spouse also will get max CPP. You are significantly more than 50% towards your $70k. I'd suggeest your proposed allocation ...
by big easy
24 Feb 2017 12:27
Forum: Financial Planning and Building Portfolios
Topic: Asset Allocation during retirement?
Replies: 72
Views: 2067

Re: Asset Allocation during retirement?

I am 3-5 years from retirement. I have only recently begun to seriously consider how to fund my retirement. I tracked our expenses for a full year and figure the mrs & I can live comfortably on $70k/year pre-tax. I plan to retire early, so will have to live off savings for a few years before CPP/OAS...
by big easy
14 Jan 2017 13:27
Forum: Financial Planning and Building Portfolios
Topic: Euro and Asian stocks
Replies: 8
Views: 320

Re: Euro and Asian stocks

I suppose if you can look at the macro economics and figure out which markets are poised to bomb over the next 10, 20, 30 years, you could avoid the stinkers like Japan. That's easy to do in hindsight but I have no such confidence in my ability to do so going forward. And then there is the self-doub...
by big easy
14 Jan 2017 12:12
Forum: Financial Planning and Building Portfolios
Topic: Euro and Asian stocks
Replies: 8
Views: 320

Re: Euro and asian stocks

Perhaps the poster is referring to the performance of the EAFE markets. The 10yr CAGR on the MSCI EAFE Index is 2.79% in local currency with dividends reinvested. By comparison the MSCI World index is up 5.02% over the same period, the MSCI Emerging Mkts Index 5.26% and MSCI US 7.08%. I have been wo...
by big easy
31 Dec 2016 15:18
Forum: Financial Planning and Building Portfolios
Topic: Portfolio Returns 2016, along with 5, 10 year CAGR Performance
Replies: 101
Views: 4847

Re: Portfolio Returns 2016, along with 5, 10 year CAGR Performance

Approximate numbers holding 50-60% equities the rest in XSB and as interest rates fell over the past several years VSC/GIC ladder/2026 RRBs and some prefs.

1 yr 7.1%
3 yr 6.3%
5 yr 8.7%
10 yr 5.9%
by big easy
29 Dec 2016 21:33
Forum: Under the Mattress: Protecting Your Money
Topic: Non-registered investment account for minor
Replies: 12
Views: 634

Re: Non-registered investment account for minor

You can open In-trust accounts at TDII (discount brokerage) if minors live with you (and there may be other interpretations of this) accounts fall under a family or household designation and are free. You may have trouble with TDDI issuing T-slips in the correct name. If this is a long-term plan ac...
by big easy
23 Dec 2016 11:59
Forum: Stocks, Bonds, ETFs, Funds, REITS and More
Topic: TD Direct Investing (was Waterhouse) Service
Replies: 1851
Views: 156565

Re: TD Direct Investing (was Waterhouse) Service

Speaking from my own experience, TD & TDDI are generally good but probably not the very best in terms of fees and service. I am a long time customer and so unless you have some reason for going for TD specifically, you might want to shop around. They used to be an innovator in the online brokerage s...
by big easy
21 Dec 2016 15:53
Forum: Stocks, Bonds, ETFs, Funds, REITS and More
Topic: 2017 Predictions Contest
Replies: 66
Views: 2609

Re: 2017 Predictions Contest

Generally a bullish forecast, oil up = CAD up, inflation up = gold up,

DOW: 21,000
TSX: 15,750
GOLD: 1250
OIL: 66
CAD: 0.81
by big easy
19 Dec 2016 15:35
Forum: Taxing Situations
Topic: TDDI Missing Tax Slip
Replies: 14
Views: 585

Re: TDDI Missing Tax Slip

Get yourself set up for CRA's MyAccount soon. You'll be able to see all the slips that have been reported to CRA before you file. (Note that T3s may not show up until early April - the Financial Institutions have until Mar 31 to submit them, and it can take a little time to post them). Good to know...
by big easy
19 Dec 2016 10:36
Forum: Taxing Situations
Topic: TDDI Missing Tax Slip
Replies: 14
Views: 585

Re: TDDI Missing Tax Slip

Can you not see the data for the missing T3s online at CRA's My Account? That most likely is what CRA is comparing against. Yes I can and in fact CRA mailed me copies but it is too late. I was speaking of next year - I'll have to make sure TD mails the T3s or otherwise ask for them as they don't se...
by big easy
18 Dec 2016 19:53
Forum: Taxing Situations
Topic: TDDI Missing Tax Slip
Replies: 14
Views: 585

Re: TDDI Missing Tax Slip

So I guess if they don't come in the mail you have to phone them and get them sent again? I think I'm going to get hit with that 20% penalty for failing to report income. The last time, TD revised their T3's with more income and i missed it. Damn!
by big easy
18 Dec 2016 18:33
Forum: Taxing Situations
Topic: TDDI Missing Tax Slip
Replies: 14
Views: 585

TDDI Missing Tax Slip

I was recently reassessed by CRA for missing income on my 2015 tax return. I own some TD e-funds in a TDDI margin account. When I went to e-documents and searched for the T-slips, they were not there. There were other slips related to stocks and etfs owned in the same account but no TD e-fund T3's. ...
by big easy
27 Nov 2016 12:08
Forum: Financial Planning and Building Portfolios
Topic: New member looking for advice on first portfolio
Replies: 8
Views: 654

Re: New member looking for advice on first portfolio

If you don't plan on returning to Canada, why don't you invest your money in Asia? Having your savings in Canada would be considered by CRA to be a tie to Canada for the purposes of determining residency and thus your world wide income would be subject to taxation in Canada. Do you maintain health i...
by big easy
19 Nov 2016 12:15
Forum: Stocks, Bonds, ETFs, Funds, REITS and More
Topic: Preferreds
Replies: 1069
Views: 73859

Re: Preferreds

And yet the siren song of high, tax advantaged yields keeps beckoning. The question is how to best exploit that. I hold some ZPR in taxable accounts and some individual bank prefs (non-NVCC compliant) I'm hoping will be called at the next reset date. Still it has been a harrowing ride. I guess it is...
by big easy
18 Nov 2016 15:55
Forum: Stocks, Bonds, ETFs, Funds, REITS and More
Topic: Preferreds
Replies: 1069
Views: 73859

Re: Preferreds

CPD 5 year total return is -1.2% according to Morningstar and eyeballing the graph, 7 year return looks about the same. Any income generated appears to be offset by (temporary?) capital losses.
by big easy
09 Nov 2016 15:31
Forum: Financial Planning and Building Portfolios
Topic: Risking Less and Prospering using Real Return Bonds? [RRBs]
Replies: 77
Views: 3213

Re: Risking Less and Prospering using Real Return Bonds? [RRBs]

7. RRB's are really a hedge for hyper-inflation but RRB's perform poorly in a deflationary environment, what you get is a hedge to one side of a possible outcome with no downside protection. I'm not sure what you mean by "no downside protection". If I've got it right, they won't soar like nominal b...
by big easy
01 Nov 2016 21:51
Forum: Stocks, Bonds, ETFs, Funds, REITS and More
Topic: Industries in Decline/Trends
Replies: 41
Views: 1240

Re: Industries in Decline/Trends

What about bricks and mortar Universities. I just don't see the need for all those fancy buildings and tenured professors, when the content can be delivered on line for a fraction of the cost.