Search found 4829 matches

by BRIAN5000
14 Jul 2017 17:48
Forum: Retirement, Pensions and Peace of Mind
Topic: Investment changes in retirement
Replies: 132
Views: 3130

Re: Investment changes in retirement

Not sure if my numbers are typical or not In 08/09 my equity portfolio was worth $610,000 with $210,000 of CG by the time the carnage was done I was down $300,000. Ate through all my gains from 1995 till then plus into capital. I was able to buy in up until sept/oct of 08 but then I had had enough a...
by BRIAN5000
13 Jul 2017 17:08
Forum: Retirement, Pensions and Peace of Mind
Topic: Investment changes in retirement
Replies: 132
Views: 3130

Re: Investment changes in retirement

So why would you consciously hobble your financial future?
IMO this should maybe read 'So why would you consciously hobble your "expected/possible" financial future.'
by BRIAN5000
12 Jul 2017 23:12
Forum: Stocks, Bonds, ETFs, Funds, REITS and More
Topic: Dividend and distribution hikes (2017)
Replies: 163
Views: 17774

Re: Dividend and distribution hikes (2017)

Don't know if this was missed or I just missed it. The Procter & Gamble Co. PG, +0.22% late Tuesday said its board of directors has authorized a 3% dividend increase to 68.96 cents a share payable May 15 to shareholders of record April 21. That's the 61st straight year that the consumer products com...
by BRIAN5000
11 Jul 2017 16:06
Forum: Retirement, Pensions and Peace of Mind
Topic: Investment changes in retirement
Replies: 132
Views: 3130

Re: Investment changes in retirement

Do you have a suggestion of better wording? I don't want to use the term "bucket" because those who promote bucket systems usually have money migrating between buckets. There's no such thing, here. The lifelong income part is isolated and never replenished. Well, English is my third language, so I'...
by BRIAN5000
11 Jul 2017 16:02
Forum: Financial News, Policy and Economics
Topic: Clippings 2017
Replies: 148
Views: 7951

Re: Clippings 2017

A little long, haven't viewed all four videos yet may be worth a look cause it's Wade Pfau..... https://retirementresearcher.com//rio-video-launch-p-1 Get ready to tackle your biggest retirement income problems with the confidence that comes from working within a proven framework. In this first vide...
by BRIAN5000
10 Jul 2017 19:34
Forum: Retirement, Pensions and Peace of Mind
Topic: Investment changes in retirement
Replies: 132
Views: 3130

Re: Investment changes in retirement

I'm not a fan of sliding asset allocations, even when based on bequest motives Well I'm a fan of sliding asset allocations at least at the moment. Generally a lot of information is available about retirement at a "typical" retirement age, 65. From 65 to about 75 sequence of returns risk within this...
by BRIAN5000
10 Jul 2017 17:31
Forum: Retirement, Pensions and Peace of Mind
Topic: Investment changes in retirement
Replies: 132
Views: 3130

Re: Investment changes in retirement

The retiree passes away and markets crash deeply (80% or 90%) quickly after. Big parts of the remaining portfolio have to be sold at very low prices to pay for the taxes on capital gains in non-registered accounts at the time of death, before the crash. How likely is this? Say starting with 1 milli...
by BRIAN5000
10 Jul 2017 16:52
Forum: Retirement, Pensions and Peace of Mind
Topic: Investment changes in retirement
Replies: 132
Views: 3130

Re: Investment changes in retirement

Is anyone here in the circa 75-80 yr old bracket actually reducing their FI percentage component recognizing this concept? I'm only 60 and sort of doing the opposite(increasing EQ)/something like that. I retired at 55 with 35% equity I have let the equity grow now 40% and the plan is to spend the f...
by BRIAN5000
05 Jul 2017 20:29
Forum: Under the Mattress: Protecting Your Money
Topic: to buy new or used car?
Replies: 1221
Views: 57790

Re: to buy new or used car?

http://www.redflagdeals.com/deal/motor- ... nda_070517]

Honda Canada: Up to $4000.00 Cash Incentive with Select 2017 Vehicles
by BRIAN5000
05 Jul 2017 16:38
Forum: Financial Planning and Building Portfolios
Topic: What would you tell someone who wants to get started investing?
Replies: 70
Views: 1999

Re: What would you tell someone who wants to get started investing?

P.S. Pls report when you learn more about the BlackRock PACC. I looked over their forms, they wanted a void cheque, leaving me wondering where the brokerage fit into the picture. Ok email was sent to wrong address I now have a response and checking again at TDDI and checking if info can be posted. ...
by BRIAN5000
30 Jun 2017 16:37
Forum: Stocks, Bonds, ETFs, Funds, REITS and More
Topic: What did you Buy? What might you buy? (2017)
Replies: 268
Views: 26696

Re: What did you Buy? What might you buy? (2017)

Anyone making any adjustments for the sudden turn in rising interest rate expectations?
NO, I'm sticking to the plan, it may not be a good one but at least it's a plan.
by BRIAN5000
30 Jun 2017 12:58
Forum: Financial Planning and Building Portfolios
Topic: seeking help in rebuilding my portfolio
Replies: 11
Views: 563

Re: seeking help in rebuilding my portfolio

If it was me and I was 68 and I had a 100% fixed income portfolio I don't think I would be going 63/37. I don't think I'd be going for growth either more capital preservation and which way is the beach or what's the minimum I can work so I can do whatever. Or the maximum I need to work short term to...
by BRIAN5000
29 Jun 2017 15:13
Forum: Financial Planning and Building Portfolios
Topic: seeking help in rebuilding my portfolio
Replies: 11
Views: 563

Re: seeking help in rebuilding my portfolio

Here's an idea and I'm not saying it's a good one or to use these ETF's. XWD could be used as a single ETF in all accounts it has a higher Mer than others but depending on what other ETF's are used maybe only be a few hundred dollars a year, a combination of ETF's would be cheaper. (shown in the ope...
by BRIAN5000
28 Jun 2017 21:06
Forum: Financial Planning and Building Portfolios
Topic: seeking help in rebuilding my portfolio
Replies: 11
Views: 563

Re: seeking help in rebuilding my portfolio

If you're retired what funds do you use to live on?

Looks like about 63/37 equity/fixed income.
by BRIAN5000
28 Jun 2017 20:42
Forum: Financial News, Policy and Economics
Topic: Clippings 2017
Replies: 148
Views: 7951

Re: Clippings 2017

http://www.moneysense.ca/save/investing/how-should-your-asset-allocation-change-over-time/ I love the story of Harry Markowitz, the Nobel laureate who pioneered the idea of portfolio diversification in the 1950s. If anyone could design an optional plan for asset allocation, it would be Markowitz. Bu...
by BRIAN5000
26 Jun 2017 15:26
Forum: Financial Planning and Building Portfolios
Topic: The Perfect Dividend ETF
Replies: 59
Views: 1728

Re: The Perfect Dividend ETF

That link didn't work for me. Try this: https://www.theglobeandmail.com/globe-investor/investor-education/im-still-waiting-for-the-perfect-dividend-etf/article35453106/ Far from a perfect ETF in IMHO only 10% foreign and 55% into an interest rate sensitive portfolio of Financial, Utilities and Tele...
by BRIAN5000
26 Jun 2017 13:58
Forum: Financial Planning and Building Portfolios
Topic: The Perfect Dividend ETF
Replies: 59
Views: 1728

Re: The Perfect Dividend ETF

Your decision as to hold or sell will always be based on current yield not historical yield. Yeah I know I always get it wrong, I used to (still a consideration) weight stocks by risk, then equal weight, now the ones which have the highest (absolutely useless ) historical YOC will get a 4% weightin...
by BRIAN5000
23 Jun 2017 15:01
Forum: Financial Planning and Building Portfolios
Topic: What would you tell someone who wants to get started investing?
Replies: 70
Views: 1999

Re: What would you tell someone who wants to get started investing?

P.S. Pls report when you learn more about the BlackRock PACC. I looked over their forms, they wanted a void cheque, leaving me wondering where the brokerage fit into the picture. Ok email was sent to wrong address I now have a response and checking again at TDDI and checking if info can be posted. ...
by BRIAN5000
22 Jun 2017 19:44
Forum: Stocks, Bonds, ETFs, Funds, REITS and More
Topic: ETFS
Replies: 9
Views: 680

Re: ETFS

Have you done any research to compare XDV with XDIV (the underlying MSCI index)? No sorry just found this today while working on that PACC for daughter. I will get there but may be a while one of the club members has XDV so he may be interested as well. https://www.blackrock.com/ca/individual/en/li...
by BRIAN5000
22 Jun 2017 17:26
Forum: Stocks, Bonds, ETFs, Funds, REITS and More
Topic: ETFS
Replies: 9
Views: 680

Re: ETFS

Wonder how XDIV at 10bp will compare to XDV at 50pb? iShares Core MSCI Canadian Quality Dividend Index ETF https://www.blackrock.com/ca/individual/en/literature/etf-summary/xdiv-summ-doc-en-ca.pdf Canadian iShares® Product List As of June 2017 https://www.blackrock.com/ca/individual/en/literature/br...
by BRIAN5000
22 Jun 2017 16:00
Forum: Financial Planning and Building Portfolios
Topic: What would you tell someone who wants to get started investing?
Replies: 70
Views: 1999

Re: What would you tell someone who wants to get started investing?

I called TDI and of course they have no idea what I'm talking about when I mentioned PACC into iShares ETF's. A couple of more calls and I got a nice lady in Boston that will send me some info and hopefully a contact person at TDI cause TDI is on the list as a Plan Agent. Meanwhile I will try to pos...
by BRIAN5000
22 Jun 2017 02:54
Forum: Financial Planning and Building Portfolios
Topic: What would you tell someone who wants to get started investing?
Replies: 70
Views: 1999

Re: What would you tell someone who wants to get started investing?

5. No fixed income?? No emergency fund?? Bank of Dad will continue to cover that, as it always has. I don't like this idea to much, my daughter will have to decide on her own AA (with help if she asks) and in her mind have no backup from dad. I believe she needs to be an autonomus individual and lo...
by BRIAN5000
22 Jun 2017 00:14
Forum: Financial Planning and Building Portfolios
Topic: What would you tell someone who wants to get started investing?
Replies: 70
Views: 1999

Re: What would you tell someone who wants to get started investing?

[quote=BRIAN5000 ..... you can use a PACC monthly..... After your earlier post, I looked at the BlackRock PACC quickly yesterday. The mechanics weren't clear to me. Right now, my daughter has set up a PAC to move funds from her bank account to the brokerage. Do you use the BR PACC to move funds fro...
by BRIAN5000
21 Jun 2017 17:54
Forum: Financial Planning and Building Portfolios
Topic: What would you tell someone who wants to get started investing?
Replies: 70
Views: 1999

Re: What would you tell someone who wants to get started investing?

4. Costs matter. Diversification matters. I'll do the first few trades. I'll do so in a pattern easily replicable. She can take over when she cares to. No trade for less than $1K. XAW or VXC for ex-Canada. VCN and VDY for in Canada. (Refinements like NG to buy US domiciled ETFs in an RRSP can wait....