Search found 1889 matches

by SQRT
17 Jan 2018 11:19
Forum: Financial Planning and Building Portfolios
Topic: How Did You Do in 2017?
Replies: 90
Views: 3265

Re: How Did You Do in 2017?

It seems to me that the DIY brokers have pretty good performance tools now. I think TDDI does for sure. I’m considering dropping all my performance IRR spreadsheets and just using their performance metrics. They do, except that performance can only be aggregated for all accounts under the same 6 di...
by SQRT
16 Jan 2018 18:35
Forum: Financial Planning and Building Portfolios
Topic: How Did You Do in 2017?
Replies: 90
Views: 3265

Re: How Did You Do in 2017?

Well that's very generous, Keith, but it's more like: If you are going to DIY, make sure you understand what your broker is reporting on its reports. :) My interest in tracking this carefully did fade about 2 years after learning to DIY. It seems to me that tracking yearly returns is largely an aca...
by SQRT
16 Jan 2018 11:31
Forum: Property: Owning, Renting, Managing, Investing and Mortgaging
Topic: Home insurance with secondary or seasonal property coverage
Replies: 1
Views: 52

Re: Home insurance with secondary or seasonal property coverage

We insure our cottage together with our condo in Toronto. Not aware of any reason not to do this. By far the biggest risk is the cottage. A wooden structure, far from the nearest fire station, perhaps more subject to water damage, quite isolated, makes for relatively expensive insurance.
by SQRT
13 Jan 2018 05:28
Forum: Stocks, Bonds, ETFs, Funds, REITS and More
Topic: TD Direct Investing (was Waterhouse) Service
Replies: 1956
Views: 170391

Re: TD Direct Investing (was Waterhouse) Service

Hopefully the next step for WebBroker is to support journalling between different currency accounts. While it was handy to be able to do an in-kind contribution to my RSP, I still had to call in to move the security to the US side of the RSP account. If they added that feature I would rarely need t...
by SQRT
11 Jan 2018 19:00
Forum: Financial Planning and Building Portfolios
Topic: $450K to invest for six months -- what would you do?
Replies: 24
Views: 612

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

You sound pretty ambivalent to a 10% loss. If that is really true, weigh whether a 4% div yield is worth the risk? Up to you. Most people would play it safe though. 4% dividend yield for 6 months is 2%. 2.5% HISA gets you 1.25%. Hmmm: 2% with a variability of +/- 30% or more, vs. 1.25% guaranteed. ...
by SQRT
11 Jan 2018 10:49
Forum: Financial Planning and Building Portfolios
Topic: Lessons learned and mistakes made
Replies: 39
Views: 900

Re: How Did You Do in 2017?

I had a similar experience with Nortel. Rode it down to just above break even. Left $100 per share on the table. I was Hoping. Firstly I didn't want to have a losing investment. But I was counting my losses from the high not from my purchase price of $11.00 (Way back when it was Northern Telecom an...
by SQRT
11 Jan 2018 10:39
Forum: Financial Planning and Building Portfolios
Topic: $450K to invest for six months -- what would you do?
Replies: 24
Views: 612

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

How many $K on the downside does it take to move the OP's needle?? To give a quick, clear answer: Suffering a $50K loss would not wreck us. I'd really rather not blow $50K -- but I suppose if the potential reward were compelling enough we would consider it. The key, I think, is finding a decent ris...
by SQRT
11 Jan 2018 04:28
Forum: Financial Planning and Building Portfolios
Topic: $450K to invest for six months -- what would you do?
Replies: 24
Views: 612

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

How critical is it that you get all the money back? This will determine what you can do with it. If you absolutely must have all of it for the new house. then HISA. If you could afford to lose say 10% then you have more options. You could, in that case, buy 3-4 blue chip div payers. Banks, telco’s. ...
by SQRT
09 Jan 2018 10:27
Forum: Stocks, Bonds, ETFs, Funds, REITS and More
Topic: Canadian Banks
Replies: 630
Views: 45760

Re: Canadian Banks

Every year BMONB sends me a summary of Bank total returns. Their data goes back to 1970. Total returns for the entire group from 1970 to 2017 has been 13.6% (annual total rates of return with divs reinvested). For every decade it was double digits. Over the entire 47 year period the highest return w...
by SQRT
06 Jan 2018 14:26
Forum: Financial Planning and Building Portfolios
Topic: Lessons learned and mistakes made
Replies: 39
Views: 900

Re: Lessons learned and mistakes made

Nothing learned and no lessons taken. 2017 was a good year and I outperformed my benchmark by about 5%. Now, 2008 that was a very big “learning and lessons” year. I like it this way better.
by SQRT
03 Jan 2018 02:28
Forum: Property: Owning, Renting, Managing, Investing and Mortgaging
Topic: House Insurance in United States
Replies: 3
Views: 155

Re: House Insurance in United States

I use State Farm for our Arizona house. I wouldnt say they are exactly cheap though. Close to $5,000. Red is right. Not many know how to underwrite Canadians. Not having a SS number is an issue for some reason.
by SQRT
01 Jan 2018 10:45
Forum: Stocks, Bonds, ETFs, Funds, REITS and More
Topic: Power of Dividend Growth 2011 (and beyond)
Replies: 787
Views: 55996

Re: Power of Dividend Growth 2011 (and beyond)

Just compared this year with 2016 and it appears i am up about 2.5% in investment income on a global basis. I'd have to play around in Quicken to see what Canada eligible dividends alone did for me. That includes forex headwinds (negative in 2017 vs 2016), and headwinds from the sale of a few equit...
by SQRT
01 Jan 2018 09:46
Forum: Financial Planning and Building Portfolios
Topic: How Did You Do in 2017?
Replies: 90
Views: 3265

Re: How Did You Do in 2017?

IRR 1year. 14.3% 3year. 12.4% 5 year. 15.7% 10 year. 10.4%. 100% Canadian div payers. Heavy on banks. What was the TSX total1 year return? I think around 9.1%. Looking forward to seeing the 10 year numbers next year. Should be around 14%. Edit: Somebody up thread confirmed TSX return.
by SQRT
27 Dec 2017 15:33
Forum: Stocks, Bonds, ETFs, Funds, REITS and More
Topic: Are we too old, crusty and conservative
Replies: 65
Views: 2471

Re: Are we too old, crusty and conservative

Now if you haven’t sold anything what’s the point of “waiting for the inevitable correction”? Dividend income accumulates and exceeds living expenses. Besides, I keep a cash buffer, an emergency fund for the unforeseen, such as stock market crashes or other fortuitous disasters :) Ok makes sense. B...
by SQRT
27 Dec 2017 10:57
Forum: Stocks, Bonds, ETFs, Funds, REITS and More
Topic: Are we too old, crusty and conservative
Replies: 65
Views: 2471

Re: Are we too old, crusty and conservative

Sounds too much like market timing to me. I wasn't trying to predict a crash. I was merely saying that along with age and crustiness, some of us have also acquired patience, and while the market keeps reaching new heights, we are patiently awaiting the inevitable correction. A crash would be even b...
by SQRT
27 Dec 2017 08:32
Forum: Stocks, Bonds, ETFs, Funds, REITS and More
Topic: Are we too old, crusty and conservative
Replies: 65
Views: 2471

Re: Are we too old, crusty and conservative

Another point is that some of us have reached a level of security in which it is no longer necessary or even interesting to take big risks. We are content with 6-8% annual returns with a side order of 3-4% dividends. Why risk money on complete unknowns when the old stodgy style of buy and hold the ...
by SQRT
27 Dec 2017 02:42
Forum: Stocks, Bonds, ETFs, Funds, REITS and More
Topic: Are we too old, crusty and conservative
Replies: 65
Views: 2471

Re: Are we too old, crusty and conservative

Another point is that some of us have reached a level of security in which it is no longer necessary or even interesting to take big risks. We are content with 6-8% annual returns with a side order of 3-4% dividends. Why risk money on complete unknowns when the old stodgy style of buy and hold the ...
by SQRT
23 Dec 2017 11:09
Forum: Stocks, Bonds, ETFs, Funds, REITS and More
Topic: Canadian Banks
Replies: 630
Views: 45760

Re: Canadian Banks

Canada's flat yield curve flashes warning for bank profits for the first time in a decade “What we really want is for the five-year yield curve to go up, allowing for a greater contribution from our deposit base,” Royal Bank of Canada Chief Executive Officer Dave McKay told Reuters. “As rates incre...
by SQRT
23 Dec 2017 09:27
Forum: Retirement, Pensions and Peace of Mind
Topic: Retirement - is it over-rated?
Replies: 281
Views: 16812

Re: Retirement - is it over-rated?

8 years ago I took great pride in taking zero meds. Then an angina attack caused both my GP and cardiologist to take precautions. Now I take pills as preventive measures for HBP, LDL, and COPD. None are a problem but they are all viewed as preventative. Why not be extra safe? Once in a while I go w...
by SQRT
22 Dec 2017 15:46
Forum: Retirement, Pensions and Peace of Mind
Topic: Retirement - is it over-rated?
Replies: 281
Views: 16812

Re: Retirement - is it over-rated?

<snip> Another reason to defer CPP till 70 perhaps? :D I don’t understand why more retirees don’t improve their retired lifestyle by getting fit and losing weight? I certainly did. Get off the couch!! :roll: Good for you. It's not that easy for some people, as Scott has alluded to. I have lost abou...
by SQRT
22 Dec 2017 13:06
Forum: Retirement, Pensions and Peace of Mind
Topic: Retirement - is it over-rated?
Replies: 281
Views: 16812

Re: Retirement - is it over-rated?

Retirement can be bad for your health. We already knew this, but there is new confirmation. The abstract : George Another reason to defer CPP till 70 perhaps? :D I don’t understand why more retirees don’t improve their retired lifestyle by getting fit and losing weight? I certainly did. Get off the...
by SQRT
22 Dec 2017 10:07
Forum: Retirement, Pensions and Peace of Mind
Topic: Retirement - is it over-rated?
Replies: 281
Views: 16812

Re: Retirement - is it over-rated?

Retirement can be bad for your health. We already knew this, but there is new confirmation. The abstract : Social Security eligibility begins at age 62, and approximately one third of Americans immediately claim at that age. We examine whether age 62 is associated with a discontinuous change in agg...
by SQRT
21 Dec 2017 03:24
Forum: Financial Planning and Building Portfolios
Topic: Norbert's Gambit - which online brokerage is best?
Replies: 12
Views: 598

Re: Norbert's Gambit - which online brokerage is best?

At TDDI, in a non-registered account, you can do it yourself if you have shorts enabled (you do have to call after settlement, but it's not time critical and it does not affect the realized exchange rate). This is where/how I do it. I think it works well. I short first in US account then go long in...
by SQRT
20 Dec 2017 08:25
Forum: Taxing Situations
Topic: Tax Installments
Replies: 399
Views: 37698

Re: Tax Installments

So I think, with all this discussion, there is really no likelihood of me ever setting up CRA instalments and then “forgetting” about them. The instalments can be pretty big (mid 5 figures) and there is no way I wouldn’t be checking the system before each payment date to make sure they were set up. ...
by SQRT
17 Dec 2017 07:11
Forum: Stocks, Bonds, ETFs, Funds, REITS and More
Topic: Power of Dividend Growth 2011 (and beyond)
Replies: 787
Views: 55996

Re: Power of Dividend Growth 2011 (and beyond)

Some people may be working towards a very large legacy, but I doubt there are many who would acknowledge that here. :thumbsup: I think in my case it's just going to happen that way. She will at least get the house at the moment it's worth a million, what's large? I don't think I can spend down prin...