The more diversified portfolio has occasionally outperformed, but the basic 60/40 mix had better risk-adjusted returns in about 87% of the rolling 10-year periods starting in 1976. The upshot: Investors looking to build diversified portfolios don’t necessarily need to venture too far beyond a basic mix of larger-cap stocks and high-quality bonds.
Search found 8656 matches
- 28 Mar 2024 11:20
- Forum: Financial Planning and Building Portfolios
- Topic: Basic Stock Portfolio Building (Individual Stocks)
- Replies: 49
- Views: 4656
Re: Basic Stock Portfolio Building (Individual Stocks)
https://www.morningstar.com/portfolios/ ... -portfolio
- 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: 414
Re: Need to make $28k payment to dealership while outside Canada
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..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?
- 25 Mar 2024 19:28
- Forum: Stocks, Bonds, ETFs, Funds, REITS and More
- Topic: Banks vs VDY
- Replies: 12
- Views: 625
Re: Banks vs VDY
Have you figured out how much you might hypothetically pay for each one of these stocks?The best stocks I found inside vdy after doing the research were actually Rbc, TD, Bmo
- 25 Mar 2024 14:37
- Forum: Stocks, Bonds, ETFs, Funds, REITS and More
- Topic: VCIP (bonds) - why so awful?
- Replies: 15
- Views: 417
Re: VCIP (bonds) - why so awful?
Sorry don't have exact figures butSo this is the return of $10,000 of VCIP (20% equity / 80% bonds) over the last five years:
VCIP purchased May 2021 still down 6.94%
VSB purchased July 18 2017 still down 7.31% (It may not have been dripped the whole period, can't remember)
- 25 Mar 2024 04:13
- Forum: Financial Planning and Building Portfolios
- Topic: Investing with a Ten Year Horizon under 2024's Market Valuation
- Replies: 40
- Views: 1247
Re: Investing with a Ten Year Horizon under 2024's Market Valuation
How about instead of VUN you hold something like VTV?
- 24 Mar 2024 19:13
- Forum: Stocks, Bonds, ETFs, Funds, REITS and More
- Topic: Banks vs VDY
- Replies: 12
- Views: 625
Re: Banks vs VDY
https://www.portfoliovisualizer.com/
You can go to the above link and without signing up you can compare VDY:CA to to equal amounts of TD:CA, RY:CA, BMO:CA and compare VDY:CA to XIU:CA which one is better?
You can go to the above link and without signing up you can compare VDY:CA to to equal amounts of TD:CA, RY:CA, BMO:CA and compare VDY:CA to XIU:CA which one is better?
- 24 Mar 2024 18:28
- Forum: Stocks, Bonds, ETFs, Funds, REITS and More
- Topic: Banks vs VDY
- Replies: 12
- Views: 625
Re: Strongest dividend stocks in Canada?
TD
RY
BMO
I swear I posted this before I saw your other post !
RY
BMO
I swear I posted this before I saw your other post !
- 24 Mar 2024 14:39
- Forum: Under the Mattress: Protecting Your Money
- Topic: High interest savings, GICs and MMFs (2024)
- Replies: 200
- Views: 16784
Re: High interest savings, GICs and MMFs (2024)
I believe the best US 1 year GIC at TDDI is 4.75% at the moment, those rates you quoted are CAD. BWBfds2 wrote: ↑24 Mar 2024 14:29 Quick question.
My folks have a US$ 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
- 23 Mar 2024 19:30
- Forum: Under the Mattress: Protecting Your Money
- Topic: High interest savings, GICs and MMFs (2024)
- Replies: 200
- Views: 16784
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 ...
- 23 Mar 2024 15:00
- Forum: Under the Mattress: Protecting Your Money
- Topic: High interest savings, GICs and MMFs (2024)
- Replies: 200
- Views: 16784
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?
- 21 Mar 2024 15:46
- Forum: Financial News, Policy and Economics
- Topic: Clippings 2024
- Replies: 129
- Views: 10333
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.
- 20 Mar 2024 19:52
- Forum: Under the Mattress: Protecting Your Money
- Topic: High interest savings, GICs and MMFs (2024)
- Replies: 200
- Views: 16784
Re: GIC's
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
- 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
Proposed rule amendments — Fully paid securities lending and financing arrangements
- 14 Mar 2024 12:39
- Forum: Stocks, Bonds, ETFs, Funds, REITS and More
- Topic: BCE (Symbol-BCE)
- Replies: 1860
- Views: 286383
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?
You can buy momentum, find someone to pay more or catch falling knives, trying to buy value?
- 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
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 meCollateral 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.
- 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
Nope direct email to me because I can't link the email just copy, and paste what was in the email.Peculiar_Investor wrote: ↑13 Mar 2024 18:41I presume you have read and are possibly quoting or cut and pasting from something like Participate in Stock Lending – Help Centre
There was no calculated number like they promised
- 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 ...
- 13 Mar 2024 13:13
- Forum: Stocks, Bonds, ETFs, Funds, REITS and More
- Topic: What and why did you Buy? What might you buy? (2024)
- Replies: 49
- Views: 6675
Re: What and why did you Buy? What might you buy? (2024)
Little more CPX slowly building a position.
- 12 Mar 2024 14:10
- Forum: Financial News, Policy and Economics
- Topic: Clippings 2024
- Replies: 129
- Views: 10333
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/...
- 10 Mar 2024 17:47
- Forum: Financial Planning and Building Portfolios
- Topic: Basic Stock Portfolio Building (Individual Stocks)
- Replies: 49
- Views: 4656
Re: Basic Stock Portfolio Building (Individual Stocks)
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.
- 10 Mar 2024 16:16
- Forum: Financial Planning and Building Portfolios
- Topic: Basic Stock Portfolio Building (Individual Stocks)
- Replies: 49
- Views: 4656
Re: Basic Stock Portfolio Building (Individual Stocks)
Some good info here https://www.stingyinvestor.com/SI/artic ... 2-2023.xls
Not sure what "52 Week Range (%)" means?
I will be buying the lower or lowest Momentum stars like MRU or CPX. I did a little colour coding and reduction of the number of stocksBut 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.
Not sure what "52 Week Range (%)" means?
- 08 Mar 2024 20:34
- Forum: Stocks, Bonds, ETFs, Funds, REITS and More
- Topic: Best High Interest Savings ETF
- Replies: 54
- Views: 6062
Re: Best High Interest Savings ETF
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 dividendoptionable68 wrote: ↑08 Mar 2024 20:16I don't think WS offers a USD cash equivalent.BRIAN5000 wrote: ↑08 Mar 2024 19:55How much does Wealthsimple pay you on US cash?optionable68 wrote: ↑08 Mar 2024 19:10 Wealthsimple Cash account pays me 5.0% with no bid/ask spread
My USD cash is at Tangerine @ 5.5% on promotion.
- 08 Mar 2024 19:55
- Forum: Stocks, Bonds, ETFs, Funds, REITS and More
- Topic: Best High Interest Savings ETF
- Replies: 54
- Views: 6062
Re: Best High Interest Savings ETF
How much does Wealthsimple pay you on US cash?optionable68 wrote: ↑08 Mar 2024 19:10 Wealthsimple Cash account pays me 5.0% with no bid/ask spread
- 08 Mar 2024 16:05
- Forum: Stocks, Bonds, ETFs, Funds, REITS and More
- Topic: Best High Interest Savings ETF
- Replies: 54
- Views: 6062
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
https://www.purposeinvest.com/funds/pur ... ement-fund
- 07 Mar 2024 12:56
- Forum: Stocks, Bonds, ETFs, Funds, REITS and More
- Topic: purchase issue with IBKR
- Replies: 12
- Views: 429