Search found 8655 matches

by BRIAN5000
26 Mar 2024 14:14
Forum: Under the Mattress: Protecting Your Money
Topic: Need to make $28k payment to dealership while outside Canada
Replies: 11
Views: 407

Re: Need to make $28k payment to dealership while outside Canada

HardWorker wrote: 26 Mar 2024 07:09 Can you e-transfer to them?

Or give them whatever deposit and they wait until you get back?
If you have a relationship with someone at the bank and you can explain the situation they might be able to bump up your e-transfer amount on a short/one time basis. Then you need to get the dealership on broad they may want a few days for funds to clear ect..
by BRIAN5000
25 Mar 2024 19:28
Forum: Stocks, Bonds, ETFs, Funds, REITS and More
Topic: Banks vs VDY
Replies: 12
Views: 624

Re: Banks vs VDY

The best stocks I found inside vdy after doing the research were actually Rbc, TD, Bmo
Have you figured out how much you might hypothetically pay for each one of these stocks?
by BRIAN5000
25 Mar 2024 14:37
Forum: Stocks, Bonds, ETFs, Funds, REITS and More
Topic: VCIP (bonds) - why so awful?
Replies: 15
Views: 415

Re: VCIP (bonds) - why so awful?

So this is the return of $10,000 of VCIP (20% equity / 80% bonds) over the last five years:
Sorry don't have exact figures but

VCIP purchased May 2021 still down 6.94%
VSB purchased July 18 2017 still down 7.31% (It may not have been dripped the whole period, can't remember)
by BRIAN5000
24 Mar 2024 19:13
Forum: Stocks, Bonds, ETFs, Funds, REITS and More
Topic: Banks vs VDY
Replies: 12
Views: 624

Re: Banks vs VDY

https://www.portfoliovisualizer.com/

You can go to the above link and without signing up you can compare VDY:CA to to equal amounts of TD:CA, RY:CA, BMO:CA and compare VDY:CA to XIU:CA which one is better?
by BRIAN5000
24 Mar 2024 18:28
Forum: Stocks, Bonds, ETFs, Funds, REITS and More
Topic: Banks vs VDY
Replies: 12
Views: 624

Re: Strongest dividend stocks in Canada?

TD
RY
BMO

I swear I posted this before I saw your other post ! :shock:
by BRIAN5000
24 Mar 2024 14:39
Forum: Under the Mattress: Protecting Your Money
Topic: High interest savings, GICs and MMFs (2024)
Replies: 200
Views: 16778

Re: High interest savings, GICs and MMFs (2024)

fds2 wrote: 24 Mar 2024 14:29 Quick question.

My folks have a US$ acct with TD DI. TDB8152 is currently paying 4.9%. The best 1yr GIC rate (at TD DI) seems to be TDMtg @ 5.05 and Equitable Trust 5.12%. Does this seem like the best? Or would you stay with TDB8152

I have built them a GIC ladder with their CDN funds - so a year at a time is fine here

Thanks in advance
I believe the best US 1 year GIC at TDDI is 4.75% at the moment, those rates you quoted are CAD. BWB
by BRIAN5000
23 Mar 2024 19:30
Forum: Under the Mattress: Protecting Your Money
Topic: High interest savings, GICs and MMFs (2024)
Replies: 200
Views: 16778

Re: High interest savings, GICs and MMFs (2024)

You need to call them if you want to change GIC settings, like not renewing GIC at maturity. I'm not sure if you can call now or 2 months before maturity. I call them immediately after I purchase a GIC and say something like "your website won't allow me to do this, can you change if for me?" Last time I called was last May and she told me that they will be improving the website. So, still no improvement. :( It wasn't that long ago when they did some sort of change to their website which involved new account numbers signin passwords etc..(Motive) Short Term Non-Redeemable Motive GICs4,8 Term Annual interest rate 120-days 4.15% Special offer* 5.50% *Special offer available for eligible new money deposits only. New money is defined ...
by BRIAN5000
23 Mar 2024 15:00
Forum: Under the Mattress: Protecting Your Money
Topic: High interest savings, GICs and MMFs (2024)
Replies: 200
Views: 16778

Re: High interest savings, GICs and MMFs (2024)

Taken from sources believed to be correct please verify if interested. Rates seem unusually close across institutions?
Rate survey Mar 23 2024.png
Rate survey Mar 23 2024.png (15.35 KiB) Viewed 517 times
by BRIAN5000
21 Mar 2024 15:46
Forum: Financial News, Policy and Economics
Topic: Clippings 2024
Replies: 129
Views: 10330

Re: Clippings 2024


Retirement is the time to pursue your passions – not stress about money! Find out how to take the hassle out of managing your retirement income. Craig Stephens from the blog Retire Before Dad explains why he's pivoting away from individual dividend stocks as he simplifies his portfolio for retirement.


https://www.retirebeforedad.com/simplif ... etirement/

Nothing new except maybe an earlier start on simplifying.
by BRIAN5000
20 Mar 2024 19:52
Forum: Under the Mattress: Protecting Your Money
Topic: High interest savings, GICs and MMFs (2024)
Replies: 200
Views: 16778

Re: GIC's

Otto wrote: 20 Mar 2024 19:39 I plan to buy a GIC issued by one of the big Canadian banks. Which is the most financially stable large Canadian bank?
Otto
Royal Bank

Code: Select all

Symbol	Market Cap
NA.TO	38.238B
CM.TO	63.594B
BNS.TO	82.909B
BMO.TO	94.032B
TD.TO	143.44B
RY.TO	191.384B
by BRIAN5000
14 Mar 2024 12:41
Forum: Stocks, Bonds, ETFs, Funds, REITS and More
Topic: Securities Lending Wealthsimple
Replies: 8
Views: 302

Re: Securities Lending Wealthsimple

https://www.ciro.ca/news-room/publicati ... rangements

Proposed rule amendments — Fully paid securities lending and financing arrangements
by BRIAN5000
14 Mar 2024 12:39
Forum: Stocks, Bonds, ETFs, Funds, REITS and More
Topic: BCE (Symbol-BCE)
Replies: 1860
Views: 286313

Re: BCE (Symbol-BCE)

With BCE being almost 30% off it's 52 week high when does it become a BUY?

You can buy momentum, find someone to pay more or catch falling knives, trying to buy value?
by BRIAN5000
13 Mar 2024 20:13
Forum: Stocks, Bonds, ETFs, Funds, REITS and More
Topic: Securities Lending Wealthsimple
Replies: 8
Views: 302

Re: Securities Lending Wealthsimple

I asked ChatGPT
Collateral Risk: Borrowers typically provide collateral for the borrowed securities, but there's a risk that the collateral may decline in value or become illiquid, especially during market downturns.
This might have been mentioned in the other thread as well. So when everything is in the crapper and starting to swirl I may need to worry about this as well. When things are down and going lower all I want to worry about is lowering my ACB on my core positions. Looks like a no for me :roll:
by BRIAN5000
13 Mar 2024 19:09
Forum: Stocks, Bonds, ETFs, Funds, REITS and More
Topic: Securities Lending Wealthsimple
Replies: 8
Views: 302

Re: Securities Lending Wealthsimple

Peculiar_Investor wrote: 13 Mar 2024 18:41
BRIAN5000 wrote: 13 Mar 2024 17:59 Did anybody just tick the box and are lending their securities. WS is pushing this as well as crypto. Anybody get a payment for this yet?
I presume you have read and are possibly quoting or cut and pasting from something like Participate in Stock Lending – Help Centre
Nope direct email to me because I can't link the email just copy, and paste what was in the email.

There was no calculated number like they promised :roll:
by BRIAN5000
13 Mar 2024 17:59
Forum: Stocks, Bonds, ETFs, Funds, REITS and More
Topic: Securities Lending Wealthsimple
Replies: 8
Views: 302

Securities Lending Wealthsimple

Did anybody just tick the box and are lending their securities. WS is pushing this as well as crypto. Anybody get a payment for this yet? Remind me — how does stock lending work? We loan out your fully paid stocks in your self-directed TFSA or non-registered portfolios to other institutional investors, and any earnings on the loan of the security are split between you and Wealthsimple. Do I still own my stocks? Absolutely. You still own your stocks — and they still behave exactly like they do when they're not being lent out. You can also sell your stocks at any time, even if they’re on loan. What do I have to do to start earning? Once you’ve enrolled — absolutely nothing! We arrange the loans and if your securities are borrowed, we pay out ...
by BRIAN5000
12 Mar 2024 14:10
Forum: Financial News, Policy and Economics
Topic: Clippings 2024
Replies: 129
Views: 10330

Re: Clippings 2024

While being diversified geographically means you will end up among the winners over the long term, it also may help you avoid periods of extreme losses. Below, we show the worst inflation-adjusted returns of each country since 1970 over 5 and 10 year periods. In the vast majority of cases, being diversified across countries would have reduced losses significantly. Couple of charts that my be interesting This chart shows inflation-adjusted stock market returns of six countries compared to a portfolio consisting of the stocks of each country, weighted equally (effectively allocating 1/6 of the portfolio to each country and rebalancing between them monthly) ws chart.png ws chart 1.png From here https://help.wealthsimple.com/hc/en-ca/articles/...
by BRIAN5000
10 Mar 2024 17:47
Forum: Financial Planning and Building Portfolios
Topic: Basic Stock Portfolio Building (Individual Stocks)
Replies: 48
Views: 4623

Re: Basic Stock Portfolio Building (Individual Stocks)

NormR wrote: 10 Mar 2024 16:47
BRIAN5000 wrote: 10 Mar 2024 16:16 Not sure what "52 Week Range (%)" means?
IIRC, (current price - 52 week low) / (52 week high - 52 week low) as a %
Yeah that works numerically and looks like it has a relationship to how the stock is valued and maybe momentum. Not smart enough to figure out if it means anything. It has a relationship to my method of valuing a stock. CPX & MRU seem like slight buys to me and RUS & GWO slight sells. RUS sporting its lowest yield in a while. Temporary added the Norm column to my spreadsheet on four stocks.
N ADDED.png
N ADDED.png (22.67 KiB) Viewed 273 times
by BRIAN5000
10 Mar 2024 16:16
Forum: Financial Planning and Building Portfolios
Topic: Basic Stock Portfolio Building (Individual Stocks)
Replies: 48
Views: 4623

Re: Basic Stock Portfolio Building (Individual Stocks)

Some good info here https://www.stingyinvestor.com/SI/artic ... 2-2023.xls
But enjoy looking up the facts and figures that mean the most to you. After all, the purpose of our star system is to help you narrow in on companies you might want to add to your portfolio.
I will be buying the lower or lowest Momentum stars :roll: like MRU or CPX. I did a little colour coding and reduction of the number of stocks :roll:

Not sure what "52 Week Range (%)" means?
SI CC.png
SI CC.png (152.85 KiB) Viewed 302 times
by BRIAN5000
08 Mar 2024 20:34
Forum: Stocks, Bonds, ETFs, Funds, REITS and More
Topic: Best High Interest Savings ETF
Replies: 54
Views: 6056

Re: Best High Interest Savings ETF

optionable68 wrote: 08 Mar 2024 20:16
BRIAN5000 wrote: 08 Mar 2024 19:55
optionable68 wrote: 08 Mar 2024 19:10 Wealthsimple Cash account pays me 5.0% with no bid/ask spread
How much does Wealthsimple pay you on US cash?
I don't think WS offers a USD cash equivalent.

My USD cash is at Tangerine @ 5.5% on promotion.
Yeah hope they bring one out I use PSU.U at the moment and they buy fractional shares but you can't auto reinvest the dividend :(
by BRIAN5000
08 Mar 2024 19:55
Forum: Stocks, Bonds, ETFs, Funds, REITS and More
Topic: Best High Interest Savings ETF
Replies: 54
Views: 6056

Re: Best High Interest Savings ETF

optionable68 wrote: 08 Mar 2024 19:10 Wealthsimple Cash account pays me 5.0% with no bid/ask spread
How much does Wealthsimple pay you on US cash?
by BRIAN5000
08 Mar 2024 16:05
Forum: Stocks, Bonds, ETFs, Funds, REITS and More
Topic: Best High Interest Savings ETF
Replies: 54
Views: 6056

Re: Best High Interest Savings ETF

Purpose website - MMY is new-ish may be better over time but not over a year it looks like?

https://www.purposeinvest.com/funds/pur ... ement-fund

Porpoise.png
Porpoise.png (19.89 KiB) Viewed 755 times
by BRIAN5000
07 Mar 2024 12:56
Forum: Stocks, Bonds, ETFs, Funds, REITS and More
Topic: purchase issue with IBKR
Replies: 12
Views: 423

Re: purchase issue with IBKR

jaime wrote: 07 Mar 2024 12:49
BRIAN5000 wrote: 07 Mar 2024 12:37 Just a guess it looks like your out of Margin, you have reached the amount they are willing to loan and you would go over with the trade?
but im not borrowing the 4.1k USD, its cash sitting in my account from the VWRD dividends. VWRD doesnt do automatic drip so i need to buy back in manually.
Yes see that now bad guess on my part but seems like still has something to do with margin, give them a call.
by BRIAN5000
07 Mar 2024 12:37
Forum: Stocks, Bonds, ETFs, Funds, REITS and More
Topic: purchase issue with IBKR
Replies: 12
Views: 423

Re: purchase issue with IBKR

Just a guess it looks like your out of Margin, you have reached the amount they are willing to loan and you would go over with the trade?