Search found 13349 matches

by AltaRed
19 Jan 2018 13:24
Forum: Financial Planning and Building Portfolios
Topic: How Did You Do in 2017?
Replies: 111
Views: 3925

Re: How Did You Do in 2017?

I treat my DB pension as FI because it delivers a fixed amount of money every month. Is there a finite risk that the amount might change? Yes. But I put that risk low enough to be negligible. I agree. I would only add some probability to the amount if there was some reason to be concerned, such as ...
by AltaRed
19 Jan 2018 13:17
Forum: Taxing Situations
Topic: Capital gains on principle residence
Replies: 5
Views: 221

Re: Capital gains on principle residence

But the parents own and live in a separate property which presumably is their principal residence. To me, the question is more about whether CRA would consider the parents having any beneficial ownership in the joint residence because they are on title in which they then would be exposed to cap gain...
by AltaRed
19 Jan 2018 13:05
Forum: Stocks, Bonds, ETFs, Funds, REITS and More
Topic: Finding PE ratios for Canadian companies
Replies: 15
Views: 225

Re: Finding PE ratios for Canadian companies

It was Morningstar that said the forward P/E was 16.4.
by AltaRed
18 Jan 2018 20:31
Forum: Property: Owning, Renting, Managing, Investing and Mortgaging
Topic: Housing Market 2018
Replies: 16
Views: 967

Re: Housing Market 2018

Pretty much sums up the Wild West mentality of BC politics in governance. I despise the NDP as a governing party because of their past socialism but it sure would be nice to see them govern for the remainder of their 4 year term to clean up the shop.
by AltaRed
18 Jan 2018 16:45
Forum: Under the Mattress: Protecting Your Money
Topic: High interest rates for savings, GICs and MMFs (2018)
Replies: 45
Views: 2557

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

I believe Oaken is the retail online offering while Home Trust is the brokerage offering.
by AltaRed
17 Jan 2018 17:29
Forum: Financial Planning and Building Portfolios
Topic: $450K to invest for six months -- what would you do?
Replies: 29
Views: 769

Re: $450K to invest for six months -- what would you do?

The downside capital risk is huge. Multiples of any income upside.
by AltaRed
17 Jan 2018 17:12
Forum: Financial Planning and Building Portfolios
Topic: $450K to invest for six months -- what would you do?
Replies: 29
Views: 769

Re: $450K to invest for six months -- what would you do?

I consider anything in equities as insane capital risk for a finite period of time with a hard stop at the end.
by AltaRed
17 Jan 2018 11:23
Forum: Under the Mattress: Protecting Your Money
Topic: High interest rates for savings, GICs and MMFs (2018)
Replies: 45
Views: 2557

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

It seems to be the 'system' in banks with respect to GIC rollovers. Maybe harks back to a time when the bulk of investors were really savers and wanted their GICs rolled over into new ones (nowhere else to go when you bank at one brick and mortar institution). No reason any of this should be difficu...
by AltaRed
17 Jan 2018 10:08
Forum: Stocks, Bonds, ETFs, Funds, REITS and More
Topic: What's wrong with Canadian market?
Replies: 15
Views: 859

Re: What's wrong with Canadian market?

I am currently about 38% Cdn, 32% US and 15% International equities in my portfolio. Had I been more balanced such as 30% Cdn, 30% US and 25% International, I would have done better in 2017 (per the periodic table) but EAFE had some tough years due to Europe just preceding that and I didn't pay enou...
by AltaRed
17 Jan 2018 09:57
Forum: Financial News, Policy and Economics
Topic: Has your Investment Policy Changed After the US Election
Replies: 99
Views: 5922

Re: Has your Investment Policy Changed After the US Election

While it is true US markets started to surge upwards right after the November, 2016 election, Trump was elected close enough to Jan 1, 2017 to make comparisons on a year-to-year basis close enough for government work. Markets anticipate future changes so they react accordingly. There is no precisene...
by AltaRed
17 Jan 2018 09:48
Forum: Taxing Situations
Topic: Taxable Income - Rule of Thumb?
Replies: 4
Views: 205

Re: Taxable Income - Rule of Thumb?

The difference is generally one wants to pay as little income tax as possible, so it would be better to try and stay within a lower tax bracket if one can arrange their taxable income to stay within the upper limit of that bracket for the current year. That said, it makes no sense to incur 'unnecess...
by AltaRed
17 Jan 2018 09:37
Forum: Stocks, Bonds, ETFs, Funds, REITS and More
Topic: TDDI - New WebBroker interface
Replies: 170
Views: 10467

Re: TDDI - New WebBroker interface

I have POA over my wife's accounts. But I can't transfer money between her accounts on-line. Have to call in and have it done by a representative. But they're working on it, and soon -- any year now -- I'll be able to do it on-line. I login using my wife's user ID when I need to make transfers betw...
by AltaRed
16 Jan 2018 20:11
Forum: Financial News, Policy and Economics
Topic: Has your Investment Policy Changed After the US Election
Replies: 99
Views: 5922

Re: Has your Investment Policy Changed After the US Election

You're not on cannabis about six months too early? :wink:

P.S. Perhaps the market in spite of politics.
by AltaRed
16 Jan 2018 19:46
Forum: Stocks, Bonds, ETFs, Funds, REITS and More
Topic: What's wrong with Canadian market?
Replies: 15
Views: 859

Re: What's wrong with Canadian market?

Seems like a good commercial for diversification. I've always tried to balance my equities into US, CDN and International, notwithstanding it was somewhat painful to be in the S&P500 in the first decade of this century. Each market has its moments as the Periodic Table attests too.....
by AltaRed
16 Jan 2018 17:04
Forum: Stocks, Bonds, ETFs, Funds, REITS and More
Topic: What's wrong with Canadian market?
Replies: 15
Views: 859

Re: What's wrong with Canadian market?

It obviously depends on what time frame you are considering.... The first decade of this century was an extraordinary good one for Canada.
by AltaRed
16 Jan 2018 13:31
Forum: Financial Planning and Building Portfolios
Topic: How Did You Do in 2017?
Replies: 111
Views: 3925

Re: How Did You Do in 2017?

Okay. that makes more sense with XIC not being an equal component.
by AltaRed
16 Jan 2018 13:26
Forum: Stocks, Bonds, ETFs, Funds, REITS and More
Topic: What's wrong with Canadian market?
Replies: 15
Views: 859

Re: What's wrong with Canadian market?

The super commodity cycle we enjoyed for much of the past 15? years came to an abrupt end circa 2014/2015. Try goggling some 10-15 year sector charts, e.g. capped materials index, or capped energy index. Resuscitation of sorts may be starting to take hold though in both areas, courtesy of global GDP...
by AltaRed
16 Jan 2018 12:59
Forum: Financial Planning and Building Portfolios
Topic: How Did You Do in 2017?
Replies: 111
Views: 3925

Re: How Did You Do in 2017?

Equal contributions to VTI/VEA/XIC. 100% equity. Our returns were 18.7% in 2017 including dividends. What a run this market is having. I'll have to remember how much fun this part was when it's not fun. One question, I am assuming it is indeed the case, but is your return forex adjusted? There were...
by AltaRed
16 Jan 2018 10:03
Forum: Stocks, Bonds, ETFs, Funds, REITS and More
Topic: Finding PE ratios for Canadian companies
Replies: 15
Views: 225

Re: Stock/Bond/Index/Fundamental/Asset Class/Quotes - Sources

I don't know if I'd call a P/E of 16.4 vs. 18.1 a minor difference. Thanks, I'll keep this in mind. What are you using the PE for? I usually use it to compare different stocks so a consistent methodology is more important than the method used. For the most part, that is what I do too. I consider th...
by AltaRed
15 Jan 2018 21:26
Forum: Stocks, Bonds, ETFs, Funds, REITS and More
Topic: unauthorized withdrawal from my i-Trade RIF
Replies: 10
Views: 318

Re: unauthorized withdrawal from my i-Trade RIF

deaddog wrote:
15 Jan 2018 21:21
Are you paying tax quarterly?

I have them withhold 30% as that is my marginal rate after I pay tax on everything else.
We are getting off-topic but I will eventually have my RRIF withhold tax at a minimum of my MTR as well.... to mitigate even larger installment payments.
by AltaRed
15 Jan 2018 20:48
Forum: Stocks, Bonds, ETFs, Funds, REITS and More
Topic: unauthorized withdrawal from my i-Trade RIF
Replies: 10
Views: 318

Re: unauthorized withdrawal from my i-Trade RIF

I forgot to mention that the withdrawal last year was not at my request and was subsequently reversed. I'm annoyed because they just did it again. Yeah, but what did you input into the RRiF application for withdrawal provisions when you opened the RIF? That is the question I am asking (see the form...
by AltaRed
15 Jan 2018 18:01
Forum: Stocks, Bonds, ETFs, Funds, REITS and More
Topic: unauthorized withdrawal from my i-Trade RIF
Replies: 10
Views: 318

Re: unauthorized withdrawal from my i-Trade RIF

Different brokerages obviously do different things and I merely wanted to point out that in iTrade where I also have an RRSP, the RIF withdrawal instructions are initially set when the RRIF is set up to begin with. I don't know what mechanisms are in place (or what needs to be done) to change those ...
by AltaRed
15 Jan 2018 17:29
Forum: Property: Owning, Renting, Managing, Investing and Mortgaging
Topic: Leasehold Condos
Replies: 17
Views: 394

Re: Leasehold Condos

Are we talking about the same thing? Condos, retirement community detached homes, etc. might all be strata, but is the land component held freehold (as in Ontario crown registered in the provincial land registry)? Or long lease leasehold (First Nations land which i believe the land registration is s...
by AltaRed
15 Jan 2018 17:00
Forum: Stocks, Bonds, ETFs, Funds, REITS and More
Topic: unauthorized withdrawal from my i-Trade RIF
Replies: 10
Views: 318

Re: unauthorized withdrawal from my i-Trade RIF

What instructions do you have in place with them with respect to annual withdrawals? I am not there yet. but I understand you would have given them instructions at the time you established your RRIF and those instructions remain in place until cancelled/revised (seems that way to me if they have don...
by AltaRed
15 Jan 2018 14:16
Forum: Under the Mattress: Protecting Your Money
Topic: Microsoft Money discussion
Replies: 38
Views: 6151

Re: Microsoft Money discussion

Resurrecting an old thread, and this may have been discussed elsewhere, but I just happened to run into this year old link from another source that suggests those who have been using legacy Microsoft Money might be interested in the "Sunset" version of Microsoft Money. It does not have online servic...