Search found 4997 matches

by BRIAN5000
20 Jan 2018 17:10
Forum: Financial Planning and Building Portfolios
Topic: Financial Planning Standards Council, FPSC
Replies: 1
Views: 92

Financial Planning Standards Council, FPSC

Has the FSPC gone bye-bye I'm looking for this years Projection Assumption Guideline?

Well at least I found the 2017 guide on IQPF

https://www.iqpf.org/en/Account/news/ne ... guidelines
by BRIAN5000
19 Jan 2018 14:33
Forum: Stocks, Bonds, ETFs, Funds, REITS and More
Topic: What did you sell? What might you sell? (2018)
Replies: 20
Views: 2012

Re: What did you sell? What might you sell? (2018)

Microsoft is becoming to large of a position in my portfolio thinking about trimming some. (Reported In a conventional way MSFT now makes up just under 1% of whole portfolio (EQ & FI 40/60)) Trimmed a very small amount of MFST to reduce position and equity Sold small amount but all of ENB.pr.v redu...
by BRIAN5000
18 Jan 2018 20:07
Forum: Under the Mattress: Protecting Your Money
Topic: High interest rates for savings, GICs and MMFs (2018)
Replies: 51
Views: 2954

Re: High interest rates for savings, GICs and MMFs (2018)

Canadian Corporate Bond Index ETF (VCB)
https://www.vanguardcanada.ca/advisors/ ... /?overview

10pb cheaper then ZCM no volume yet almost a year? I want to use in registered account instead of GIC's.
by BRIAN5000
17 Jan 2018 15:37
Forum: Taxing Situations
Topic: Taxable Income - Rule of Thumb?
Replies: 4
Views: 215

Re: Taxable Income - Rule of Thumb?

Not sure if the OP was looking for something like $30,000, $60,000 , $90,000. IIRC the idea was to keep both incomes below 30 or one below 30 and one below 60 or combinations of these, if you can't keep both below 30 then try to keep both below 60 this was a long time ago not sure how well it applie...
by BRIAN5000
16 Jan 2018 20:46
Forum: Under the Mattress: Protecting Your Money
Topic: High interest rates for savings, GICs and MMFs (2018)
Replies: 51
Views: 2954

Re: High interest rates for savings, GICs and MMFs (2018)

Email from ZAG I have some terms coming due you must inform them 10(?) days ahead to not have GIC renew at prevailing rates. Hopefully everyone has checked their GIC's, I checked when I suffered excruciating pain when I got them but didn't check later now 2 out of 3 are not compounding, me bad, soun...
by BRIAN5000
14 Jan 2018 19:28
Forum: Stocks, Bonds, ETFs, Funds, REITS and More
Topic: What did you sell? What might you sell? (2018)
Replies: 20
Views: 2012

Re: What did you sell? What might you sell? (2018)

I can understand why someone might look at the equity portion separate from the fixed component, but have no idea why Brian, for example, would break it down further within the equity portion. Yes we've talked about this before. I try to use conventional/methods when posting, for example I posted I...
by BRIAN5000
12 Jan 2018 18:37
Forum: Stocks, Bonds, ETFs, Funds, REITS and More
Topic: What did you sell? What might you sell? (2018)
Replies: 20
Views: 2012

Re: What did you sell? What might you sell? (2018)

1% of the portfolio is too large??? My largest is TD at 3.7%. I would reduce at 5%, others at 10%. MSFT Percent to whole portfolio EQ & FI 40/60 0.99% Percent to whole EQUITY portfolio (ETF's included) 2.43% Percent of US + CAN Div portfolio 3.24% Percent of US Div portfolio 14.32% MSFT has an over...
by BRIAN5000
12 Jan 2018 18:02
Forum: Stocks, Bonds, ETFs, Funds, REITS and More
Topic: What did you sell? What might you sell? (2018)
Replies: 20
Views: 2012

Re: What did you sell? What might you sell? (2018)

Microsoft is becoming to large of a position in my portfolio thinking about trimming some.

(Reported In a conventional way MSFT now makes up just under 1% of whole portfolio (EQ & FI 40/60))
by BRIAN5000
11 Jan 2018 17:24
Forum: Stocks, Bonds, ETFs, Funds, REITS and More
Topic: Preferreds
Replies: 1157
Views: 84841

Re: Preferreds

New Issue: CM FixedReset, 4.50%+245, NVCC-compliant http://prefblog.com/?p=35977 Maybe I'm not reading very well but is this and the new National Bank issue not offering a floor interest rate? Are all the new ones dropping this feature? National Bank of Canada 4.60% 5-Year Rate Reset Preferred Share...
by BRIAN5000
11 Jan 2018 11:56
Forum: Stocks, Bonds, ETFs, Funds, REITS and More
Topic: TD Direct Investing (was Waterhouse) Service
Replies: 1956
Views: 170612

Re: TD Direct Investing (was Waterhouse) Service

I guess everyone saw this message by now, but just in case you missed it...
Words are cheap "Show Me The Money"
by BRIAN5000
10 Jan 2018 12:18
Forum: Under the Mattress: Protecting Your Money
Topic: High interest rates for savings, GICs and MMFs (2018)
Replies: 51
Views: 2954

Re: High interest rates for savings, GICs and MMFs (2018)

Oaken email this morning Please note that effective today, Wednesday, January 10, 2018, we have increased the interest rates for all our long-term GICs (registered and non-registered): • 1 Year GIC – 2.25% (previously 2.00%) • 18 Month GIC – 2.50% (previously 2.25%) • 2 Year GIC – 2.60% (previously ...
by BRIAN5000
08 Jan 2018 20:17
Forum: Stocks, Bonds, ETFs, Funds, REITS and More
Topic: An ETF made up of ETF's.
Replies: 2
Views: 245

Re: An ETF made up of ETF's.

Why pay 25 basis pts to hold a small basket of ETF's 25 bp seems pretty cheap for one stop active management, in fact I think this is the cheapest with best 3 & 5 year return for a diversified portfolio ETF according to ETFdb.com. Not sure why it's showing such low turnover for Actively managed? Lo...
by BRIAN5000
08 Jan 2018 14:35
Forum: Retirement, Pensions and Peace of Mind
Topic: Retirement withdrawal strategy considering my unusual situation? (Long post)
Replies: 24
Views: 1009

Re: Retirement withdrawal strategy considering my unusual situation? (Long post)

In your first post you mentioned that RRIF income prior to age 65 might be eligible for the pension credit. Is this true? I checked and unfortunately, it is only annuity income arising from the death of a spouse. You have to be 65 to get it otherwise. When they or one of them start to take their DB...
by BRIAN5000
04 Jan 2018 17:36
Forum: Stocks, Bonds, ETFs, Funds, REITS and More
Topic: TD Direct Investing (was Waterhouse) Service
Replies: 1956
Views: 170612

Re: TD Direct Investing (was Waterhouse) Service

Just thought I'd update - although there was no evidence of my transfer in kind on TDDI's site, it did go through and is showing properly today. Whew. My cash from non-registered TDDI account to TDDI TFSA showed up instantly using their new transfer option. I was signed on for about an hour before ...
by BRIAN5000
02 Jan 2018 12:49
Forum: Stocks, Bonds, ETFs, Funds, REITS and More
Topic: TDDI - New WebBroker interface
Replies: 171
Views: 10610

Re: TDDI - New WebBroker interface

Broken in BC as well FFS!
"We are currently experiencing an issue with our system that is affecting a small percentage of our clients."

Wonder what they call a small percentage Canada wide?
by BRIAN5000
29 Dec 2017 14:26
Forum: Stocks, Bonds, ETFs, Funds, REITS and More
Topic: TD Direct Investing (was Waterhouse) Service
Replies: 1956
Views: 170612

Re: TD Direct Investing (was Waterhouse) Service

I was able to login but sight didn't work correctly, I can't see an order I put in etc..Not phoning so just logged out and went to Timmies.
by BRIAN5000
29 Dec 2017 12:25
Forum: Under the Mattress: Protecting Your Money
Topic: High interest rates for savings, GICs and MMFs (2017)
Replies: 463
Views: 33011

Re: High interest rates for savings, GICs and MMFs (2017)

I have converted or almost converted all registered accounts at TDDI to bond ETFs (no GICs) way easier than a GIC ladder, maybe better return. Plan for TFSA at the moment 10% TDB8150, 30% VAB, 60% XAW, rebalance with contributions once a year. Which bond ETFs are you using on the registered side? V...
by BRIAN5000
28 Dec 2017 15:45
Forum: Under the Mattress: Protecting Your Money
Topic: High interest rates for savings, GICs and MMFs (2017)
Replies: 463
Views: 33011

Re: High interest rates for savings, GICs and MMFs (2017)

Calling them just plain sucks sometimes. Today, I was getting the "your wait time could be 5 minutes or longer" message. Now, it's "15 minutes or longer." After getting these messages for the past two days, I just put it on speakerphone and have been doing other work. It's been more than 1 hour now...
by BRIAN5000
27 Dec 2017 12:33
Forum: Property: Owning, Renting, Managing, Investing and Mortgaging
Topic: Housing Bust 2017
Replies: 342
Views: 14677

Re: Housing Bust 2017

wants her to live close by. That's a luxury. It can come with a steep price tag. Yea that is the real dilemma for many parents these day, especially in the GVA and GTA, but more so the GVA I think. Yes I'd like her to live fairly close but understand that if she has to move for a job she should go ...
by BRIAN5000
26 Dec 2017 21:06
Forum: Property: Owning, Renting, Managing, Investing and Mortgaging
Topic: Housing Bust 2017
Replies: 342
Views: 14677

Re: Housing Bust 2017

Sometime in about 1980 I was trying to buy a house, prices were moving up $5000 a month. I put in a few offers but nothing over asking not in my nature. I decided I was never going to own a house and got on with my life. Before the end of 1981 I bought my first house, worked a normal 8 hour job and ...
by BRIAN5000
21 Dec 2017 17:14
Forum: Retirement, Pensions and Peace of Mind
Topic: TFSA Contribution 2018
Replies: 72
Views: 3115

Re: TFSA Contribution 2018

In case of non-registered investments, wouldn't the estate have to pay lots of taxes on realized capital gains at death at an even worse tax rate before giving the money to the surviving spouse? IIRC Rollover of non-registered goes to my spouse with an election to pay tax or defer till tax she dies...
by BRIAN5000
20 Dec 2017 17:21
Forum: Stocks, Bonds, ETFs, Funds, REITS and More
Topic: TD Direct Investing (was Waterhouse) Service
Replies: 1956
Views: 170612

Re: TD Direct Investing (was Waterhouse) Service

If you're planning to contribute securities to your Tax Free Savings Account (TFSA), Registered Saving Plan (RSP) or Registered Education Savings Plan (RESP) in the New Year, we have good news. You can now contribute securities to your TFSA, RSP or RESP in WebBroker! The Rep I was talking to says t...
by BRIAN5000
19 Dec 2017 20:52
Forum: Under the Mattress: Protecting Your Money
Topic: Joint ownership of savings account/GICs and the tax implications
Replies: 10
Views: 418

Re: Joint ownership of savings account/GICs and the tax implications

So if 10 people are on a joint account that is only covered for $100,000 not 1 million! "Each eligible joint deposit is protected for up to $100,000 per set of joint owners, regardless of the number of people who own the deposit." http://www.cdic.ca/en/about-di/how-it-works/Pages/more-than-one-name....
by BRIAN5000
19 Dec 2017 17:21
Forum: Stocks, Bonds, ETFs, Funds, REITS and More
Topic: How to download data?
Replies: 182
Views: 29154

Re: How to download data?

I'm looking for symbols to download data for TOTAL RETURN indexes for the TSX, S&P 500 and a European index from YAHOO according to my master investable ETF's won't do. There is this https://markets.ft.com/data/indices/tearsheet/summary?s=TR0000:TOR from FT but can't pull with speardsheet, using the...
by BRIAN5000
18 Dec 2017 20:14
Forum: Stocks, Bonds, ETFs, Funds, REITS and More
Topic: Dividend and distribution hikes (2017)
Replies: 249
Views: 31389

Re: Dividend and distribution hikes (2017)

Alert Details PFE announced a dividend of 0.34 per share on 2017-12-18. To research this company view in WebBroker. The new dividend of 34 cents a share, up from 32 cents a share, Monday, after the drug giant said it authorized a new $10 billion share repurchase program, and that it will raise its q...