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by BRIAN5000
13 Jan 2024 10:17
Forum: Financial News, Policy and Economics
Topic: Sitting in cash and GICs was the wrong move last year.
Replies: 27
Views: 2340

Re: Sitting in cash and GICs was the wrong move last year.

Bylo Selhi wrote: 13 Jan 2024 09:59
LAJ wrote: 13 Jan 2024 09:45 Or below the standards for any kind of financial advice firm or advisor. I also hold the investment reporter responsible as well. Hence my "these people".
Agreed.
I thought the Investment Reporter was toast, toasted, no longer in circulation. Is the advisory council still doing ad-hoc research/articles.
by BRIAN5000
05 Jan 2024 14:25
Forum: Stocks, Bonds, ETFs, Funds, REITS and More
Topic: How to download data?
Replies: 201
Views: 38941

Re: How to download data?

https://www.wisesheets.io/available-data

The ultimate spreadsheet add-on for stock investors
No more copy-paste. No more updating data manually. Instant access to stock financials in your spreadsheet.

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$60 USD/year
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by BRIAN5000
05 Jan 2024 11:34
Forum: Community Centre
Topic: weevils
Replies: 12
Views: 840

Re: weevils

https://www.tipsbulletin.com/how-do-wee ... -in-flour/

Freeze the flour to kill any eggs.
Store flour in airtight containers with bay leaves.
Regularly clean the pantry and kitchen shelves.
Seal cracks and entry points around the home.
Inspect packaged food before purchasing.
by BRIAN5000
04 Jan 2024 22:01
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)

OnlyMyOpinion wrote: 04 Jan 2024 21:40 Does ChatGPT do its own analysis to create a list of 'dividend growth' stocks, or does it just scan and scab the information from the analysis and reports of others?

How does ChatGPT define a dividend growth stock - what rate of dividend growth is necessary and over what period, and what level of share price growth? Does it use a dividend growth model to determine which of the stocks is currently a buy?

What is behind the curtain?
All you have to do is ask
by BRIAN5000
04 Jan 2024 21:01
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)

Certainly! Here are 10 U.S. stocks known for their history of dividend growth: Johnson & Johnson (JNJ) 3M Company (MMM) Coca-Cola Co (KO) Procter & Gamble Co (PG) AbbVie Inc. (ABBV) McDonald's Corporation (MCD) Visa Inc. (V) The Walt Disney Company (DIS) Lockheed Martin Corporation (LMT) Automatic Data Processing, Inc. (ADP) User 10 more no repeats ChatGPT Certainly! Here are 10 more U.S. stocks known for their history of dividend growth, without repeats from the previous list: Microsoft Corporation (MSFT) Abbott Laboratories (ABT) PepsiCo, Inc. (PEP) Home Depot, Inc. (HD) The Boeing Company (BA) Hormel Foods Corporation (HRL) Colgate-Palmolive Company (CL) Exxon Mobil Corporation (XOM) General Dynamics Corporation (GD) Walmart Inc....
by BRIAN5000
04 Jan 2024 21:00
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)

ChatGPT A friend wants a good selection of us dividend growth stocks to compliment his Canadian dividend growth portfolio can you list me 10 Certainly! Here are 10 U.S. dividend growth stocks that your friend may consider to complement his Canadian dividend growth portfolio: Johnson & Johnson (JNJ): Sector: Healthcare Johnson & Johnson is a diversified healthcare company with a strong history of dividend growth. The Coca-Cola Company (KO): Sector: Consumer Staples Coca-Cola is a leading beverage company known for its global brand and consistent dividend payments. Procter & Gamble Co. (PG): Sector: Consumer Staples Procter & Gamble is a consumer goods company with a portfolio of well-known brands and a reliable dividend histo...
by BRIAN5000
04 Jan 2024 12:30
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)

Currently, have a strong Canadian dividend paying portfolio. However, would like to expand and purchase solid US dividend paying companies for long term (20+ years). Open to recommendations.... Individual stocks or ETFs? Worth researching, dividend investing vs total return investing. Added. With an investment time horizon of "20+ years" do you think over that time period you'll be able to put together a portfolio of stocks with or without dividends that will outperform a broad market low cost index fund/ ETF? I am an income seeking/capital appreciation investor (48 years old and retired). Portfolio is 100% Canadian companies that pay dividends. Would like to use new cash to buy outside of Canada. What would you recommend? May be...
by BRIAN5000
03 Jan 2024 17:58
Forum: Stocks, Bonds, ETFs, Funds, REITS and More
Topic: TFSA 2024
Replies: 68
Views: 5327

Re: TFSA 2024

If you transfer TDB 81xx it shows in the TFSA and out of the Can non-reg immediately. Wife finally got around to doing hers today, training session number 21. Just checked on my sign-in, which is linked and it shows out and in on activity in her accounts. You need to screen print to get
the Journal number and a record when you confirm the transfer otherwise it goes to la la land*

* Technical term for lost in space at TDDI
by BRIAN5000
03 Jan 2024 15:51
Forum: Financial Planning and Building Portfolios
Topic: Basic Stock Portfolio Building (Individual Stocks)
Replies: 49
Views: 4644

Re: Basic Stock Portfolio Building (Individual Stocks)

like_to_retire wrote: 03 Jan 2024 15:36
BRIAN5000 wrote: 03 Jan 2024 13:22 I entered my portfolio into ChatGPT.....
Interesting. Are you planning on taking the advice it offered?

ltr
Yes I am.

So ChatGPT isn't perfect it sometimes forgets a questions input from question to question it has trouble adding simple amounts together. It gives me enough confirmation bias to move forward however even gives stock recommendations :thumbsup:

example 1 - it forgot that I owned ZRE & XRE in equal amounts I already have Reit exposure
example 2 - it took MDT from a previous question but I TL sold MDT and it forgot that I removed it, so questions aren't linked perfectly.

Just like myself it knows just enough to make it dangerous.
by BRIAN5000
03 Jan 2024 13:25
Forum: Financial Planning and Building Portfolios
Topic: Basic Stock Portfolio Building (Individual Stocks)
Replies: 49
Views: 4644

Re: Basic Stock Portfolio Building (Individual Stocks)

Your portfolio is already quite diversified with exposure to various sectors and geographic regions. However, if you're looking to further enhance diversification or explore different areas, here are a few suggestions: Technology: Consider adding exposure to the technology sector, which is known for innovation and growth. Companies like Apple (AAPL), Amazon (AMZN), or Alphabet (GOOGL) could be considered. Utilities: While you have some exposure to utilities, you might explore additional utility companies for further diversification. Canadian utility stocks like Fortis (FTS) and Emera (EMA) are already in your portfolio. Real Estate: Consider adding exposure to real estate through Real Estate Investment Trusts (REITs) or real estate-related ...
by BRIAN5000
03 Jan 2024 13:22
Forum: Financial Planning and Building Portfolios
Topic: Basic Stock Portfolio Building (Individual Stocks)
Replies: 49
Views: 4644

Re: Basic Stock Portfolio Building (Individual Stocks)

I entered my portfolio into ChatGPT Your portfolio allocation seems well-diversified across various sectors and geographic regions. Here are some observations: Strengths: 1. Diversification: The portfolio is spread across different sectors, including financials, utilities, telecom, healthcare, consumer staples, consumer discretionary, industrials, information tech, energy, materials, and diversified ETFs. This diversification helps mitigate risks associated with individual sectors. 2. Geographic Exposure: You have exposure to both Canadian and international markets through individual stocks and diversified ETFs, contributing to geographic diversification. 3. Risk Management: You have included both lower-risk and higher-risk stocks, balancin...
by BRIAN5000
03 Jan 2024 11:42
Forum: Financial News, Policy and Economics
Topic: Fintech in Canada - dangers & opportunities
Replies: 11
Views: 1452

Re: Fintech in Canada - dangers & opportunities

Why? On my screen this is not “prioritized” any more than the other services. While I don’t and won’t use this, it is a legal asset to trade. I like that there is a canadian brokerage offering the service. It allows our regulators to control and track operations with crypto. My concern isn’t with the brokerage but with the regulators having competence and the resources. I have no horse in this race, but as an investor, I'd prefer a broker who isn't overtly trying to appeal to gamblers and their business. Similar to not being impressed by companies that design countless niche etfs to part people from their money. Sure, not illegal, filling a demand that exists (or has been created), etc. OMO. Ok, I take my words back. I set up WS cash accou...
by BRIAN5000
02 Jan 2024 02:31
Forum: Retirement, Pensions and Peace of Mind
Topic: Retirement Countdown: Start of 2025
Replies: 74
Views: 4455

Re: Retirement Countdown: Start of 2025

Shante wrote: 02 Jan 2024 00:43
AltaRed wrote: 01 Jan 2024 14:41
Shante wrote: 01 Jan 2024 14:20 Transition posts are my favourite. I am curious about people's lived experiences. Is there anything you're worried about or that concerns you? Do you think you have enough equities to guard against inflation risk? How are you feeling about your future?
That discussion may be better in a separate thread to allow this one to be mostly dedicated to the OP's journey this year. There could be hundreds of posts on FWF member experiences.
I know you like policing my posts (maybe everybody's posts?) but those were questions for Descartes.
+1 Yes everyone’s posts answers for people that were asked to respond.
by BRIAN5000
31 Dec 2023 13:36
Forum: Financial Planning and Building Portfolios
Topic: Seeking portfolio advise that is spouse friendly
Replies: 29
Views: 2224

Re: Seeking portfolio advise that is spouse friendly

If you can believe this article holding cash and counting it won’t bother you. The good news for investors is you don’t have to pick one or the other. If we were to look at a portfolio of 60% stocks, 20% bonds and 20% cash, the annual return since 1926 was 8.3% with volatility of 11.1%, which is smack-dab in the middle of the two 60/40 portfolios we looked at in the table above. You can utilize bonds to earn higher yields and protect against deflationary recessions. And you can utilize T-bills and other types of cash equivalents (money market funds, CDs, high yield savings accounts, etc.) to reduce downside volatility from rising rates and protect against higher inflation. https://awealthofcommonsense.com/2023/09/the-bond-bear-market-asset...
by BRIAN5000
31 Dec 2023 11:42
Forum: Financial Planning and Building Portfolios
Topic: Seeking portfolio advise that is spouse friendly
Replies: 29
Views: 2224

Re: Seeking portfolio advise that is spouse friendly

If you can believe this article holding cash and counting it won’t bother you. The good news for investors is you don’t have to pick one or the other. If we were to look at a portfolio of 60% stocks, 20% bonds and 20% cash, the annual return since 1926 was 8.3% with volatility of 11.1%, which is smack-dab in the middle of the two 60/40 portfolios we looked at in the table above. You can utilize bonds to earn higher yields and protect against deflationary recessions. And you can utilize T-bills and other types of cash equivalents (money market funds, CDs, high yield savings accounts, etc.) to reduce downside volatility from rising rates and protect against higher inflation. https://awealthofcommonsense.com/2023/09/the-bond-bear-market-asset-...
by BRIAN5000
30 Dec 2023 13:36
Forum: Financial Planning and Building Portfolios
Topic: Stocks versus ETFs
Replies: 102
Views: 6779

Re: Stocks versus ETFs

We all know Canadian dividend stocks, especially value stocks, under performed in the 1-2 years post-covid crisis, i.e. they lagged the bounce in the market that focused on growth. They are now only starting to re-gain momentum and it would be better to compare performance on a 10 year CAGR basis. I think Mordko made a good point though on the extra risk taken when share price may lag, especially if someone has to sell some of the XDIV capital every month to get their vig? ltr From portfolio Visualizer and I am a beginner user for sure. If you want limited draw down or Risk Adjusted return buy five or six of the stocks in XDIV and overweight them and cross your fingers. The second pic is comparing XDIV (entered within 4 dec pts) with XIU. ...
by BRIAN5000
30 Dec 2023 01:23
Forum: Financial Planning and Building Portfolios
Topic: Stocks versus ETFs
Replies: 102
Views: 6779

Re: Stocks versus ETFs

AltaRed wrote: 30 Dec 2023 00:05 Brian, I don't understand what you are trying to prove. XDIV has outperformed XIU over the history of XDIV as charted by TMX Money and thus it has done what it has been designed to do. That is a good enough "plan" for investors who purposely choose that ETF. Nothing more needs to be justified nor explained. Why not just leave it at that?
Calm down just trying to get up to speed with what you guys are saying. I must have the wrong symbol or something.
IMG_0687.jpeg
(657.83 KiB) Not downloaded yet
by BRIAN5000
29 Dec 2023 23:26
Forum: Financial Planning and Building Portfolios
Topic: Stocks versus ETFs
Replies: 102
Views: 6779

Re: Stocks versus ETFs

XDIV is not a perfect solution, but it is a good one when looking at risk adjusted returns over the life of the fund. YMMV. I'm pretty sure I don't know what you mean by this? The proof is in the pudding. The fund delivers good returns without taking on excess risk, certainly no more than a stock pick portfolio of similar securities much like you currently own. You don't like it for reasons you've already stated. That's why I responded that it isn't a perfect solution, but it is a good one. FWIW we have revisited this basic question a number of times over the years, that being your search for a better way to do things than you currently are. Lots of suggestions have been made by various posters for your consideration. I leave this discussi...
by BRIAN5000
29 Dec 2023 20:52
Forum: Financial Planning and Building Portfolios
Topic: Stocks versus ETFs
Replies: 102
Views: 6779

Re: Stocks versus ETFs

XDIV is not a perfect solution, but it is a good one when looking at risk adjusted returns over the life of the fund. YMMV.
I'm pretty sure I don't know what you mean by this?
by BRIAN5000
29 Dec 2023 18:41
Forum: Financial Planning and Building Portfolios
Topic: Stocks versus ETFs
Replies: 102
Views: 6779

Re: Stocks versus ETFs

Do I have this wrong? Do others have an income tilt in their TFSA but don't actually need or draw the income?
Yes but for no good reasons.
by BRIAN5000
29 Dec 2023 17:08
Forum: Financial Planning and Building Portfolios
Topic: Stocks versus ETFs
Replies: 102
Views: 6779

Re: Stocks versus ETFs

Now I'm not quite so focused on sectoral diversification as you are.
Well I think this is only half right. I'm not really focused on Sectors but on risk. I believe, maybe mistakingly, if I control the Sectors within reasonable boundaries it will at least control some risk. I'm all about controlling risk in any shape or form no matter how measured, from individual holding size, sector size, number of holdings, asset allocation wise etc..

Generally all Canadian banks maybe better than all energy stocks but now with VEQT or XEQT why would you.
by BRIAN5000
29 Dec 2023 14:55
Forum: Financial Planning and Building Portfolios
Topic: Stocks versus ETFs
Replies: 102
Views: 6779

Re: Stocks versus ETFs

scomac wrote: 29 Dec 2023 10:38
BRIAN5000 wrote: 28 Dec 2023 15:24
For a TFSA or a few $100k XDIV might be ok but for any real money I think I'd pass.
TOP 10 81.27%
NEXT 7 18.53%
So for comparison sake, how much real money do you have personally in the top ten?
I hold myself out as an example of what not to do more than of what to do. Less diversified then what I want but WIP.
This is my Top 16, IMO a long ways from 100%, I own 12 of the 17.
Top .png
Top .png (2.5 KiB) Viewed 860 times
Surely there must be better options then XDIV out there for someone not running a hybrid portfolio. Almost 25% in Energy.
by BRIAN5000
28 Dec 2023 15:24
Forum: Financial Planning and Building Portfolios
Topic: Stocks versus ETFs
Replies: 102
Views: 6779

Re: Stocks versus ETFs

If you want a portfolio of Canadian dividend stocks I would choose a portfolio of stocks. The Mer with Canadian dividend ETFs are high.Another concern is many of these Etfs are heavy with bank stocks. I have About 16 dividend stocks in my TFSA and they give me a yield of slightly about 6% and I am not paying a Mer of .40%. Norm's site gives you a solid list of dividend stocks if you are challenged in picking stocks. As to the MER question, I would respond: not anymore. I have gone with XDIV mostly on the strength that the MER is only 11 basis points (0.11%). AS for being heavy into bank stocks, it currently holds just two out of 17, so in fact it might be viewed very much the same as your TFSA account. Cash flow is good as well with the mo...
by BRIAN5000
23 Dec 2023 14:16
Forum: Stocks, Bonds, ETFs, Funds, REITS and More
Topic: TD Direct Investing (was Waterhouse) Service
Replies: 3927
Views: 433396

Re: TD Direct Investing (was Waterhouse) Service

Hogwild wrote: 23 Dec 2023 12:24 Is there some way to upload a W8-BEN form to TD Direct Investing? I've been looking for 20 mins. on the website and can't find it.

On BMO Investorline, it's easy.
Maybe changed don't know
on (Required)
Tick Box: Only tick the box if you are signing on behalf of the person identified on Line 1.
Signature of Beneficial Owner: Print and sign a hard copy of the form. Please note: a digital signature (for example, typing your
name and adding a time stamp) will not be accepted. (Required)
Date: Enter the date the form was signed. (Required)
Print name of signer: Clearly print the name of the individual who has signed the form. (Required)

https://www.td.com/ca/en/investing/dire ... rted/forms