Search found 82 matches

by Jungle
02 Jan 2018 09:04
Forum: Financial Planning and Building Portfolios
Topic: How Did You Do in 2017?
Replies: 111
Views: 6832

Re: How Did You Do in 2017?

XIRR (2017) was 10.67% ...about 20% bonds.

My return would have been 10.79% if pension didn't close -0.5% down??(balanced was flat that day..) very odd. But anyway, I have no control over that. Better to take the company match and say yes to crappy mutual funds.

CAGR
3 years 8.73%
5 years 12.42%
10 years 7.29%
17 years 6.84%

Combination of couch potato, mutual fund pension and CAD dividend stocks.

Not included above: RESP
XIRR (couch potato) 10.92%
CAGR
3 Year 9.98%
by Jungle
16 Oct 2017 15:02
Forum: Financial Planning and Building Portfolios
Topic: Derek Foster
Replies: 264
Views: 25608

Re: Derek Foster

POLOZ says some positive things about CTB: "Growth has been driven in part by the fiscal policy of Prime Minister Justin Trudeau’s government, which is running budget deficits to finance, in part, expanded child benefit payments aimed at low-income families. The Canada Child Benefit has had a “pretty significant” impact on the economy , Poloz said, adding it could be one of the reasons the country has seen rising labour-force participation. “What it did is put a floor under some folks,” Poloz said, adding it may have allowed formerly stay-at-home parents to afford child care or a second car and therefore more easily re-enter the workforce. " https://www.thestar.com/business/economy/2017/10/16/canada-may-be-entering-sweet-part-of-b...
by Jungle
09 Oct 2017 20:42
Forum: Financial Planning and Building Portfolios
Topic: Derek Foster
Replies: 264
Views: 25608

Re: Derek Foster

From the government website:Basic benefit for July 2016 to June 2018 "We calculate the Canada child benefit (CCB) as follows: $6,400 per year ($533.33 per month) for each eligible child under the age of six $5,400 per year ($450.00 per month) for each eligible child aged 6 to 17" These amounts are tax free. They begin to reduce after $30,000 per year in family net income. So if the Foster dividends amount to $30,000 split equally between the spouses. There is no taxation at all. Assuming an annual tax free CCB estimate for them of $5000 X 7 = 35,000 they would have $65,000 tax free. A couple with one income earner would have to earn $90,000 to have 65,000 to spend. But the Foster income will decline after the children pass age 17...
by Jungle
09 Oct 2017 20:38
Forum: Financial Planning and Building Portfolios
Topic: Derek Foster
Replies: 264
Views: 25608

Re: Derek Foster

A lot of the members of this board retired before the traditional age of 65. Should they have kept working for "pride" and because work is the only thing that can "define" their lives ? I have expressed nothing against that. What I said is that retiring "extremely early" to end up under the line of poverty all life long is nothing to aspire to, and it's quite frankly depressing. Let me put some numbers behind my claims. I'll build a realistic scenario using the spreadsheet presented in The After-Tax Spending Plan . As it is currently limited to QC calculations, I'll pick an average young person living in Montreal, for which Statistics canada provides the average employment income - Montreal region . All calcul...
by Jungle
09 Oct 2017 20:32
Forum: Financial Planning and Building Portfolios
Topic: Derek Foster
Replies: 264
Views: 25608

Re: Derek Foster

As to not "contributing" to society any longer. That is both silly and a fallacy. Firstly, I am not arrogant or narcissistic enough to believe that my "contributions" matter significantly on an economic or social scale nor are they irreplaceable. Secondly, retirees do not exist in a vacuum. They consume goods and services, pay taxes, etc.. So, they are still contributing economically. Some also continue to contribute socially (volunteering, etc. I am silly, arrogant and narcissistic for thinking my small contribution matters?! Hmm. It is the small contributions of millions of us who pay Derek Foster's child benefits that I resent, but I am happy to pay into a pension plan that supports people who themselves contributed ...
by Jungle
01 Jan 2017 22:52
Forum: Financial Planning and Building Portfolios
Topic: Portfolio Returns 2016, along with 5, 10 year CAGR Performance
Replies: 101
Views: 7761

Re: Portfolio Returns 2016, along with 5, 10 year CAGR Performance

It was because this thread in FWF I started to track my returns using XIRR back in 2010, and (very) painstakingly obtained data back from 2001, to complete a 16 year history of returns.

So I have to thank the community for the honesty of the returns, even if underperforming. :beer:
by Jungle
01 Jan 2017 02:53
Forum: Financial Planning and Building Portfolios
Topic: Portfolio Returns 2016, along with 5, 10 year CAGR Performance
Replies: 101
Views: 7761

Re: Portfolio Returns 2016, along with 5, 10 year CAGR Performance

StuBee wrote:OK! My turn!

65% allocated to equity the remainder to fixed income.

1 year IRR: 10%
3 year IRR: 8%
5 year IRR: 9%
10 year IRR: 6%
20 year IRR: 7%

Individual years have varied from as low as -17% (2008) and as high as +20% (2009). Over my 21 years of records, I have only had 3 negative years (2001, 2002 and 2008)

Income from dividends increased by around 5% this year.
What kind of portfolio did you have? Looks a lot like couch potato 20 year return, seems very balanced approach.
by Jungle
31 Dec 2016 16:09
Forum: Financial Planning and Building Portfolios
Topic: Portfolio Returns 2016, along with 5, 10 year CAGR Performance
Replies: 101
Views: 7761

Re: Portfolio Returns 2016, along with 5, 10 year CAGR Performance

Wow Altared, you're asking for a lot of work here! After doing all these CAGRs, I think I need a CIGAR... :rofl:

(Actually wasn't that bad I had the data)

2016 11.82%

44% CAD
24% US
22% INT
8% BOND

3 year CAGR 10.06%
5 year CAGR 12.48%
10 year CAGR 6.54
16 year CAGR 6.60%

Benchmark couch potato (25% bonds), 16 year CAGR 5.35%

Thanks Trump for the rally, and God Bless America!
by Jungle
12 Dec 2016 03:26
Forum: Stocks, Bonds, ETFs, Funds, REITS and More
Topic: Dogs of the TSE
Replies: 523
Views: 103634

Re: Dogs of the TSE

Looks like 2016 was a good year for BTSX.
Anyone looking at BTSX for 2017?

EMA
BCE
T
SJR.B
CM
POW
NA
FTS
BNS
ENB

Seems like a pretty strong group for 2017 screen stays the same.
by Jungle
09 Jun 2016 10:28
Forum: Stocks, Bonds, ETFs, Funds, REITS and More
Topic: TD-efunds VS. ETFs
Replies: 29
Views: 2446

Re: TD-efunds VS. ETFs

One issue I have noticed with some ETFS is the bid/ask spread and the liquidity, assets under management.
E-series get filled at the end of the day closing price which is nice, no worry about huge bid/ask and liquidity problems.
So many new ETFS in the game now, in a true crises I wonder if liquidity becomes an issue with the smaller ETFS that have low volume and AUM.
by Jungle
09 Jun 2016 10:25
Forum: Stocks, Bonds, ETFs, Funds, REITS and More
Topic: Dogs of the TSE
Replies: 523
Views: 103634

Re: Dogs of the TSE

Anyone still following this strategy?

How were the results for 2015? There would have been some dividend cuts?
YTD it looks like this might be outperforming, mainly oil stocks if included.
by Jungle
01 Jan 2016 22:42
Forum: Financial Planning and Building Portfolios
Topic: How did you do in 2015?
Replies: 85
Views: 5632

Re: How did you do in 2015?

+3.87% XIRR
5% BOND
48% CAD
20% US
27% INT

RESP +10.74% (balanced even split)

Started to rebalance already to a more balanced approach.
by Jungle
01 Jan 2015 21:45
Forum: Financial Planning and Building Portfolios
Topic: Your 2014 investment results
Replies: 112
Views: 5996

Re: Your 2014 investment results

Stocks up 14.78%, (XIRR) outperformed market by 0.5%

RESP up 9%, not included.

Wild ride this year, faced two dividend cuts in one portfolio, then TFSA was underperforming TSX, managed to come back for year end. I hung on, did not buy or sell, during the dip. 13 years in the market now and staying fully invested.
by Jungle
02 Jan 2014 00:09
Forum: Financial Planning and Building Portfolios
Topic: 2013 Investment Portfolio Results
Replies: 127
Views: 6994

Re: 2013 Investment Portfolio Results

+21.72% XIRR all accounts .(bencmark 18.19%)
(56%CAD, 30%US, 9.5%INT, 4.5%fixed income)

The good:
CAD stock picks outperformed TSX

The bad:
1. US stock picks underperformed the s&p500
2. A balanced or basic couch potato with equal bonds would have outperformed (due to less CAD and more INT)
3. Spent a lot on trading costs and transfer fees about 0.4% of effected accounts but will get better now all accounts consolidated and cheaper trades.

Very happy with results and looking forward a challenging 2014. Congrats to all those who reached their goals in 2013!
by Jungle
19 Sep 2013 21:52
Forum: Stocks, Bonds, ETFs, Funds, REITS and More
Topic: Inter Pipeline Ltd (Symbol-IPL) (formerly IPL.UN)
Replies: 364
Views: 67276

Re: Inter Pipeline Ltd (Symbol-IPL) (formerly IPL.UN)

I posted a whole list in the TD Waterhouse thread at one point. Might be a page or so back. And I'm not writing an essay again about them. Use GOOGLE and do your own due diligence. Just my opinion only, like you said before. Form your own.
by Jungle
19 Sep 2013 13:04
Forum: Stocks, Bonds, ETFs, Funds, REITS and More
Topic: Inter Pipeline Ltd (Symbol-IPL) (formerly IPL.UN)
Replies: 364
Views: 67276

Re: Inter Pipeline Ltd (Symbol-IPL) (formerly IPL.UN)

Yea it's a weird one because another poster on moneyforums says he got his dividend in Questrade no problem..
But yea probably something to do with the switch from IPL.UN to IPL
by Jungle
18 Sep 2013 15:46
Forum: Stocks, Bonds, ETFs, Funds, REITS and More
Topic: Inter Pipeline Ltd (Symbol-IPL) (formerly IPL.UN)
Replies: 364
Views: 67276

Re: Inter Pipeline Ltd (Symbol-IPL) (formerly IPL.UN)

For some reason I didn't get the sept 16 dividend ... This is questrade Tfsa.. They are now doing an investigation. Not sure if this has something to do so with the conversion? I was on record in aug for the ex date.
by Jungle
11 Sep 2013 04:54
Forum: Stocks, Bonds, ETFs, Funds, REITS and More
Topic: Dividend and Distribution Hikes 2013
Replies: 302
Views: 38554

Re: Dividend and Distribution Hikes 2013

I bet you can't see this one through the smoke...

Phillip Morris increases dividend 10.6 % to 0.94 cents per share, starting with the Oct pay date.

Smoooookin'

http://www.financialpost.com/markets/ne ... story.html
by Jungle
09 Sep 2013 16:02
Forum: Stocks, Bonds, ETFs, Funds, REITS and More
Topic: Inter Pipeline Ltd (Symbol-IPL) (formerly IPL.UN)
Replies: 364
Views: 67276

Re: Inter Pipeline Ltd (Symbol-IPL) (formerly IPL.UN)

Yea I just saw the news, they increased dividend 13%?
by Jungle
06 Sep 2013 21:00
Forum: Stocks, Bonds, ETFs, Funds, REITS and More
Topic: TD Direct Investing (Waterhouse) nightly maintenance
Replies: 10
Views: 1183

Re: TD Waterhouse nightly maintenance

Got out of TDW .. they are over rated now and left behind. Never again.
by Jungle
29 Aug 2013 16:52
Forum: Stocks, Bonds, ETFs, Funds, REITS and More
Topic: Canadian Banks
Replies: 1889
Views: 233273

Re: Canadian Banks

Do you think Bns is the best value right now that the other banks have run up a bit?
by Jungle
17 Aug 2013 21:25
Forum: Stocks, Bonds, ETFs, Funds, REITS and More
Topic: Suncor (Symbol-SU and Symbol-SU.U)
Replies: 60
Views: 17924

Re: Suncor (Symbol-SU and Symbol-SU.U)

Warren buffet buys 600million stake in suncor and is currently their only Canadian holding.

http://read.thestar.com/#!/article/520c ... ncor-stake

This could get interesting..

Disclosed: long suncor
by Jungle
17 Aug 2013 21:10
Forum: Stocks, Bonds, ETFs, Funds, REITS and More
Topic: Canadian Banks
Replies: 1889
Views: 233273

Re: Canadian Banks

I think my three year return on Ry is about 47% now if I use dec as my calendar date. So I don't mind holding the banks at all. Plus been dripping shares and with div increases the income really grows fast.
by Jungle
16 Aug 2013 20:44
Forum: Stocks, Bonds, ETFs, Funds, REITS and More
Topic: Canadian Banks
Replies: 1889
Views: 233273

Re: Canadian Banks

Thanks, I was looking for a preview with earnings coming up. :D