Search found 5050 matches

by BRIAN5000
18 Feb 2018 17:35
Forum: Stocks, Bonds, ETFs, Funds, REITS and More
Topic: Norbert, your wish has been granted [Vanguard launching cheap balanced index ETFs]
Replies: 112
Views: 3628

Re: Norbert, your wish has been granted [Vanguard launching cheap balanced index ETFs]

Which of these would perform better? VAB 3% return It's simply impossible to predict VAB's total return between now and any day in the future. I don't know where this 3% comes from, but I'm sure it's not a guaranteed total return ahead (without, even, a timeframe for the prediction). I've often see...
by BRIAN5000
18 Feb 2018 16:25
Forum: Stocks, Bonds, ETFs, Funds, REITS and More
Topic: Norbert, your wish has been granted [Vanguard launching cheap balanced index ETFs]
Replies: 112
Views: 3628

Re: Norbert, your wish has been granted [Vanguard launching cheap balanced index ETFs]

Which of these would perform better? VAB 3% return GIC 3% RETURN DGS 10% including dividends @ 40/60 portfolio 100k VAB + 60K Dividend Growth Stocks 100k GIC + 60k dividend growth stocks 160k VCNS according to PDF 10 year return would be about 5.5% VAB, because of premium bonds, is taxed worse in a ...
by BRIAN5000
18 Feb 2018 16:12
Forum: Financial Planning and Building Portfolios
Topic: Portfolio Advice for Elderly Relative (Early 90s)
Replies: 30
Views: 1077

Re: Portfolio Advice for Elderly Relative (Early 90s)

I almost hurt myself yesterday thinking about this Option 1 100k HISA TDDI 100 3% Oaken GIC No good need a new bank account Option 2 100k HISA TDDI 100K VCNS Can all be done at TDDI, easy, no GiC's to renew, use UP TFSA room for VCNS, 20/80 total portfolio which IIRC is at the optimal point on some ...
by BRIAN5000
18 Feb 2018 15:10
Forum: Under the Mattress: Protecting Your Money
Topic: High interest rates for savings, GICs and MMFs (2018)
Replies: 98
Views: 5756

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

Seems perverse to have 7 digits in GICs but WTFDIK. It suggests a risk adverse senior with all marbles in GICs in a big 5 bank or a HNW individual with a high FI allocation in which that person should have a brokersge account where there is at least a dozen GIC issuers anyway. IOW, I am suggesting ...
by BRIAN5000
18 Feb 2018 13:08
Forum: Under the Mattress: Protecting Your Money
Topic: High interest rates for savings, GICs and MMFs (2018)
Replies: 98
Views: 5756

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

This seems a bit of a theoretical rather than realistic scenario, but I don't think I would not worry about the excessive exposure for a limited period of time. However, the point really might be - why would a couple want to be that exposed to one "alternative lending" institution in the first plac...
by BRIAN5000
17 Feb 2018 20:20
Forum: Under the Mattress: Protecting Your Money
Topic: High interest rates for savings, GICs and MMFs (2018)
Replies: 98
Views: 5756

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

If it's for long term investment, all CDIC insured, all non- registered how much do people feel comfortable having at one financial institution and would there be a difference say between BNS and Oaken? BNS without trying too hard (two depostors) you can get to $1.2 million at Oaken with three depos...
by BRIAN5000
16 Feb 2018 18:51
Forum: Financial Planning and Building Portfolios
Topic: Portfolio Advice for Elderly Relative (Early 90s)
Replies: 30
Views: 1077

Re: Portfolio Advice for Elderly Relative (Early 90s)

Which broker currently HISA pays 1.5%? I am not aware of any myself. I'm not aware of a broker either but he has three Financial Institutions to choose from per his post. Even at BNS you can get 1.65% for 90 days. TDDI has pretty low GIC rates if hes trying to consolidate at TDDI a short bond fund ...
by BRIAN5000
16 Feb 2018 12:19
Forum: Retirement, Pensions and Peace of Mind
Topic: New book, Retirement Income for Life By Fred Vettese
Replies: 0
Views: 100

New book, Retirement Income for Life By Fred Vettese

Another new retirement book and a calculator to play with. Retirement Income for Life By Fred Vettese About Retirement Income for Life: Getting More without Saving More https://www.morneaushepell.com/ca-en/insights/retirement-income-life Review http://www.moneysense.ca/save/retirement/retirement-inc...
by BRIAN5000
16 Feb 2018 01:49
Forum: Financial Planning and Building Portfolios
Topic: Portfolio Advice for Elderly Relative (Early 90s)
Replies: 30
Views: 1077

Re: Portfolio Advice for Elderly Relative (Early 90s)

and 1/3 in a short-term bond ETF Not sure if this is worth the bother most HISA are about 1.5%. The main issue is there are 3 chequing accounts, 4 TFSAs, 2 non-registered savings accounts and 1 RRIF, scattered across 3 financial institutions. There is also a high % in cash from a recent property sa...
by BRIAN5000
14 Feb 2018 20:13
Forum: Financial Planning and Building Portfolios
Topic: Help Me Work Through This (Early) Retirement Plan
Replies: 37
Views: 1629

Re: Help Me Work Through This (Early) Retirement Plan

Caution Commercial ahead!! Slowly work on your plan. I haven't Read Wade Pfau's new book but if you read the reviews* it sounds like a lot of Retirement information is collected in this one book. I've asked the library to order a copy, Kindle $8 if you like reading on Kindle. *read reviews some good...
by BRIAN5000
14 Feb 2018 15:56
Forum: Financial Planning and Building Portfolios
Topic: Help Me Work Through This (Early) Retirement Plan
Replies: 37
Views: 1629

Re: Help Me Work Through This (Early) Retirement Plan

The more I read from the experienced members on this board, the more I favor simplicity and aggressive savings for early retirement goals. http://www.financialwisdomforum.org/forum/viewtopic.php?f=27&t=120865 Save my brain/energy for excellence in my career and more important things in life like re...
by BRIAN5000
14 Feb 2018 15:23
Forum: Stocks, Bonds, ETFs, Funds, REITS and More
Topic: Assessing Utilities
Replies: 44
Views: 3149

Re: Assessing Utilities

Anyone worried about this ? https://www.investorvillage.com/uploads/89642/files/ScotiaEmera.pdf More worried about this 12 Feb 2018 CA EMA Credit Suisse Outperform Outperform $52.00 12 Feb 2018 CA EMA BMO Capital Outperform Outperform $51.00 more often these recommendations are late to the party or...
by BRIAN5000
14 Feb 2018 15:16
Forum: Financial Planning and Building Portfolios
Topic: Portfolio Advice for Elderly Relative (Early 90s)
Replies: 30
Views: 1077

Re: Portfolio Advice for Elderly Relative (Early 90s)

As I mentioned earlier, I'd split the FI into a few components, simply to provide flexibility. Bond ETFs can have bad periods too, even a short term bond ETF. Having at least some FI in a HISA is a critical component. Not that this needed confirming but this is pretty important to layer FI so you d...
by BRIAN5000
14 Feb 2018 15:01
Forum: Financial Planning and Building Portfolios
Topic: Norbert's gambit - Can$ to US$ or vice versa
Replies: 1238
Views: 172463

Re: Norbert's gambit - Can$ to US$ or vice versa

Next Monday is a holiday In some provinces and the US you may have longer settlement days if your doing a gambit.
by BRIAN5000
11 Feb 2018 19:40
Forum: Stocks, Bonds, ETFs, Funds, REITS and More
Topic: What did you Buy? What might you buy? (2018)
Replies: 151
Views: 9498

Re: What did you Buy? What might you buy? (2018)

What % of your portfolio is in the banks? I'm about 9% overall which is higher than i would like but would be facing some tax hits if I reduced too much. This includes MFC and SLF but for the most part it's all in 4 of the 5 Cdn banks For sectors I use a general rule of thumb over 10 % in any secto...
by BRIAN5000
09 Feb 2018 13:40
Forum: Financial News, Policy and Economics
Topic: market crash Feb 2018
Replies: 70
Views: 1759

Re: market crash Feb 2018

longinvest wrote:
09 Feb 2018 10:08
What I like about my 50/50 portfolio is that it transforms a correction (-10%) into a non-event (-5%), a bear market (-20%) into a correction (-10%), and a market crash into a simple bear market. :)
:thumbsup: :thumbsup:
by BRIAN5000
09 Feb 2018 13:39
Forum: Financial Planning and Building Portfolios
Topic: Three Investing Mistakes to Avoid
Replies: 28
Views: 978

Re: Three Investing Mistakes to Avoid

Actually, measuring the losses in something as pedestrian as a family car downplays the significance to me. So far it has been ho-hum. If you think a Honda Accord is pedestrian you may be out of touch with the financial reality of 90% of Canadians. My guess is most would wish they could go out and ...
by BRIAN5000
08 Feb 2018 19:22
Forum: Stocks, Bonds, ETFs, Funds, REITS and More
Topic: Dividend and distribution hikes (2018)
Replies: 43
Views: 4659

Re: Dividend and distribution hikes (2018)

Not sure if these were missed or announced earlier Chevron Corporation (NYSE:CVX) moved its quarterly dividend higher by 4%, increasing it from $1.08 per share to $1.12. The global oil and gas producer will pay its higher dividend to shareholders of record as of Feb. 16 on March 12. CVX shares trade...
by BRIAN5000
08 Feb 2018 17:48
Forum: Financial News, Policy and Economics
Topic: market crash Feb 2018
Replies: 70
Views: 1759

Re: market crash Feb 2018

This should maybe go in the Financial Porn thread but on Jan 24 2018 I had 8 buys and 60 sells out of 113 stocks on my handy dandy dart board. Now Feb 8 I have 41 buys and 8 sells out of 113, two weeks sure took some fluff out of the market.
by BRIAN5000
08 Feb 2018 13:18
Forum: Stocks, Bonds, ETFs, Funds, REITS and More
Topic: What did you Buy? What might you buy? (2018)
Replies: 151
Views: 9498

Re: What did you Buy? What might you buy? (2018)

IIRC a good buy on a bank is about 8 times earnings at the moment BMO is 12 X about $8 earnings which puts it about $96 with some apoptotic multiple contraction and earnings slash of about 50% that puts it about $32, scary thought.
by BRIAN5000
08 Feb 2018 12:48
Forum: Financial Planning and Building Portfolios
Topic: Three Investing Mistakes to Avoid
Replies: 28
Views: 978

Re: Three Investing Mistakes to Avoid

Just for the record, what does an Accord go for these days? IIRC, the previous measure was Honda Civics, but I suppose we have to account for inflation... :wink: 2010 Civics were $25,000 Accords were $30,000 Pilots were $50,000 You can only lose a maximum of 8 Honda Civics then you have to switch t...
by BRIAN5000
07 Feb 2018 16:34
Forum: Taxing Situations
Topic: Helping friends switch from mutual funds to ETFs
Replies: 24
Views: 625

Re: Helping friends switch from mutual funds to ETFs

So the PDF was downloaded 8 times very basic but good to read once in a while IMO especially the tip about "Your savings rate is as important as your investment return". I would reword that to "Your savings rate is MORE important than your investment return" even for those with Networth around a mil...
by BRIAN5000
06 Feb 2018 19:07
Forum: Stocks, Bonds, ETFs, Funds, REITS and More
Topic: What did you Buy? What might you buy? (2018)
Replies: 151
Views: 9498

Re: What did you Buy? What might you buy? (2018)

Not really sure what this means, or whether you're happy or mad you didn't buy BCE at $54.50. Not sure if I'm happy or mad yet didn't buy BCE most likely would have, it went through my buy price then my better buy price then my wish upon a star price all while I was sleeping. Thought about getting ...
by BRIAN5000
06 Feb 2018 18:56
Forum: Stocks, Bonds, ETFs, Funds, REITS and More
Topic: Norbert, your wish has been granted [Vanguard launching cheap balanced index ETFs]
Replies: 112
Views: 3628

Re: Norbert, your wish has been granted [Vanguard launching cheap balanced index ETFs]

Code: Select all

Since Feb 2 2018	
$90,594.79 Invested*
VCNS	-$441.39
VBAL	-$702.29
VGRO 	-$1,076.30
MAW104	-$1,049.63
I guess we need a little longer time frame I think MAW104 is about 64/36% EQ/FI.
* remainder of $100,000 into Oaken HISA
by BRIAN5000
06 Feb 2018 15:24
Forum: Stocks, Bonds, ETFs, Funds, REITS and More
Topic: What did you Buy? What might you buy? (2018)
Replies: 151
Views: 9498

Re: What did you Buy? What might you buy? (2018)

Enough's enough: added to ECI, ENB, BCE and AQN right at the open. Nothing justifies the degree of this sell-off. The only news on ECI I can see is, "Enercare announces monthly dividend." What needs to be justified? Everyone is either just right or maybe six months to early with their buying. If so...