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by BRIAN5000
14 Mar 2024 12:41
Forum: Stocks, Bonds, ETFs, Funds, REITS and More
Topic: Securities Lending Wealthsimple
Replies: 8
Views: 219

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: 1857
Views: 285346

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: 219

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: 219

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: 219

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: 110
Views: 8728

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: 4334

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.
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N ADDED.png (22.67 KiB) Viewed 118 times
by BRIAN5000
10 Mar 2024 16:16
Forum: Financial Planning and Building Portfolios
Topic: Basic Stock Portfolio Building (Individual Stocks)
Replies: 48
Views: 4334

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 147 times
by BRIAN5000
08 Mar 2024 20:34
Forum: Stocks, Bonds, ETFs, Funds, REITS and More
Topic: Best High Interest Savings ETF
Replies: 49
Views: 5212

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: 49
Views: 5212

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: 49
Views: 5212

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 469 times
by BRIAN5000
07 Mar 2024 12:56
Forum: Stocks, Bonds, ETFs, Funds, REITS and More
Topic: purchase issue with IBKR
Replies: 11
Views: 294

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: 11
Views: 294

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?
by BRIAN5000
05 Mar 2024 20:49
Forum: Under the Mattress: Protecting Your Money
Topic: High interest savings, GICs and MMFs (2024)
Replies: 179
Views: 14421

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

I've banked at the Laurentian Bank for more than 50 years and have always invested in my GICs there. They've always had the best rates for 5-year GICs. Just locked in 5 more years at 4.55%. Until just a few years ago, they were always bettering a legitimate target rate from a competitor. This time, they were only able to improve there posted rate by 0.05%, but still best rate I could find. That is a good rate. I got the same rate from TD/CT yesterday vs. 4.37 from TDDI. But that took a private banker to get. Until a few years ago Scotia would also match rates from larger competitors. Then there must have been some change in policy at HQ because they stopped doing it. The lady I dealt with locally couldn't understand it either as she watche...
by BRIAN5000
03 Mar 2024 15:29
Forum: Under the Mattress: Protecting Your Money
Topic: 5-year laddered GICs
Replies: 29
Views: 1230

Re: 5-year laddered GICs

Maybe not a rule but more of a suggestion, I will look for where I saw it.
by BRIAN5000
03 Mar 2024 15:15
Forum: Under the Mattress: Protecting Your Money
Topic: 5-year laddered GICs
Replies: 29
Views: 1230

Re: 5-year laddered GICs

I’m not complaining about the 4.55%. If I wanted a higher rate, I could’ve settled for a 1-year GIC. I’d rather stick to my strategy though. This inversion of the yield curve is probably only temporary. If it's only temporary which part of the yield curve will change? Short end gets lower, long end gets higher, both move? (with a 5 year rolling ladder it doesn't matter) In my many years of investing in GICs, I’ve never seen 5-year rates lower than one or two year GICs. That’s because, seems like the consensus is that inflation will come down. I’m not convinced about that. Why do you say with a 5-year rolling ladder it doesn’t matter? The strategy lets you not worry about what the rates are you just do it. I'm using the Swedroe rule (I thin...
by BRIAN5000
03 Mar 2024 14:41
Forum: Under the Mattress: Protecting Your Money
Topic: 5-year laddered GICs
Replies: 29
Views: 1230

Re: 5-year laddered GICs

I’m not complaining about the 4.55%. If I wanted a higher rate, I could’ve settled for a 1-year GIC. I’d rather stick to my strategy though. This inversion of the yield curve is probably only temporary.
If it's only temporary which part of the yield curve will change? Short end gets lower, long end gets higher, both move? (with a 5 year rolling ladder it doesn't matter)
by BRIAN5000
03 Mar 2024 14:28
Forum: Under the Mattress: Protecting Your Money
Topic: Bribes from Discount Brokers
Replies: 301
Views: 23651

Re: Bribes from Discount Brokers

Getting down to the Nickels & Dimes that add up over 10-20 years on what I call the "FLOAT" (worth maybe four cases of cheap beer per month or more) Where do people keep their Float - money they need for general monthly bill payments and auto debits etc., different sizes for all. We have been with a Big 5 bank for decades, keep above minimums to avoid fees but now along comes Wealthsimple. Canada’s highest-interest chequing account 4%, Interest for Core clients, 4.5%, Interest for Premium clients, 5% Interest for Generation clients Basic cash management, spending float. 4, 4.5 & 5% on cash float with bill payment and other options. Our daughter moved some funds from Coast Capital, did a partial pay check deposit and now ge...
by BRIAN5000
03 Mar 2024 14:07
Forum: Retirement, Pensions and Peace of Mind
Topic: Retirement Countdown: Start of 2025
Replies: 74
Views: 3974

Re: Retirement Countdown: Start of 2025

have you thought of getting as large as possible/useful HELOC and I imagine you already have margin account It is possibly a good idea for some. But for me, the idea of borrowing money in retirement to simply fund additional risk is totally against my nature and I certainly hope I would never need to borrow to simply pay the bills. I'm not suggesting the funding of additional risk. I'm suggesting maybe an alternative to 60 gic's. I have both a margin account and a HELOC been retired for 12 years haven't used either. They are there if I need them. For example if a GIC wont come due for x amount of time I could have used the HELOC and just paid it off when the GIC came due. I have layers, use my own cash and cash flow or whatever is cheaper ...
by BRIAN5000
03 Mar 2024 13:35
Forum: Retirement, Pensions and Peace of Mind
Topic: Retirement Countdown: Start of 2025
Replies: 74
Views: 3974

Re: Retirement Countdown: Start of 2025

I used 90 years as my life expectancy and 3% inflation for my calculations. Both parents passed at 90. I figure it’s close to $400k of extra government pensions than someone who started taking their pensions as early as possible. Also maybe for another thread, and maybe not the case here if there is a big fixed income component but assumed rate of return on your portfolio may come into play for choosing to take Gov't pensions early or delay. In the video, with a 90 allocation to equity and expected return of 8.8% and their exact situation they could take their US gov't pensions at 62 instead of 67, it's a crap shoot (?) lots of if's. To many variables for me so I Just through a dart and we will start both CPP pensions at 65. Video have a s...
by BRIAN5000
03 Mar 2024 09:46
Forum: Retirement, Pensions and Peace of Mind
Topic: Retirement Countdown: Start of 2025
Replies: 74
Views: 3974

Re: Retirement Countdown: Start of 2025

Before you retire have you thought of getting as large as possible/useful HELOC and I imagine you already have margin accounts. This could also be used to smooth out cash flows and as a back-up to the back-up for emergency funds. We used to be fairly good Badminton players not sure way we stopped, found the racquets the other day didn’t even remember we had bought new ones. We may get back into it again. Anyway we have now taken up Pickle-ball and like it. Easier on us then badminton and just as good exercise. Very busy on the indoor courts hard to get booked in. Lots of very good players in the over 55 crowd. $55 a year for two of us at the community Rec centres then you sign up on line some people play 3-4 times a week, we will keep it to...
by BRIAN5000
03 Mar 2024 02:06
Forum: Under the Mattress: Protecting Your Money
Topic: 5-year laddered GICs
Replies: 29
Views: 1230

Re: 5-year laddered GICs

Does anyone else have a laddered GIC strategy for the fixed income component of their portfolio?

Yes, also HISA and bond ETFs, 50% of portfolio.
by BRIAN5000
26 Feb 2024 16:37
Forum: Retirement, Pensions and Peace of Mind
Topic: Retirement Strategy of living on Dividend Income?
Replies: 37
Views: 2036

Re: Retirement Strategy of living on Dividend Income?

The Bottom Line The dividend stock world is littered with its fair share of recent disasters. The factors that led to the downturn of once mighty dividend payers vary greatly. Some companies simply failed to change with the times, while others have incompetent management to blame. Still others took on massive risks that eventually came back to bite them. Most of these companies exhibited at least one of the following signs before their massive dividend cuts: a sharply falling share price, or a lack of dividend raises over a long period of time. If investors do their homework and heed these warning signs, they should be able to avoid dividend blow-ups like the ones profiled above . I know no homework I do will protect me from these disaster...