Search found 8655 matches

by BRIAN5000
30 Jan 2024 04:11
Forum: Under the Mattress: Protecting Your Money
Topic: CDIC Insurance
Replies: 4
Views: 514

Re: CDIC Insurance

Further still, each brokerage creates a separate trust with the issuer, so you could have $100,000 of DYN6000 in iTrade, and another $100,000 of DYN6000 at some other brokerage, and those are two separate $100,000 pots of insurance. I think iTrade and Scotia McLeod are both just divisions of Scotia's brokerage arm, though, so the ISA/trust stuff would be combined as if they are one broker. So for your example, $100K of DYN6000 in a nonreg account at Scotiabank is covered, and $100K combined in nonreg iTrade/McLeod accounts.
I think this is the first time I have seen this :oops: I always thought if you have $125k of DYN6000 at BNS and $100k of DYN6000 held anywhere else you would only have $100k coverage.
by BRIAN5000
29 Jan 2024 13:52
Forum: Stocks, Bonds, ETFs, Funds, REITS and More
Topic: Canadians are bananas for not embracing index funds
Replies: 26
Views: 2221

Re: Canadians are bananas for not embracing index funds

Lots of if/buts and ands, and maybe for bad reasons I have decided to keep my CAD & US dividend portfolios running. Specifically thinking of the Canadian side at least anecdotally I have a chance of at least equaling the TSX60 maybe even doing way better. I'll even take half of what Portfolio Visualizer is predicting, more dollars, less volatility, lower drawdowns. It appears to me 5 and even 10 year returns aren't worth the trouble. It's not until you get out to the 20 year mark the dividend compounding seems to make a difference by then there is so much capital gains built up that's a problem.
Ill give it a try.png
Ill give it a try.png (37.23 KiB) Viewed 1039 times
by BRIAN5000
28 Jan 2024 14:54
Forum: Financial Planning and Building Portfolios
Topic: Seeking Your Critique & Advice (550K Portfolio)
Replies: 4
Views: 936

Re: Seeking Your Critique & Advice (550K Portfolio)

What does the Sector Allocation of your individual stocks look like?
by BRIAN5000
28 Jan 2024 05:01
Forum: Stocks, Bonds, ETFs, Funds, REITS and More
Topic: Power of Dividend Growth, 2023 (and beyond)
Replies: 85
Views: 7695

Re: Power of Dividend Growth, 2023 (and beyond)

Conclusions Dividend investing is indeed evidence-based, but it’s slightly more complicated than index investing with a few important trade-offs to be aware of. For those who want to keep things simple and avoid the extra work and complexity that goes along with purchasing individual stocks, a low-fee index-ETF approach is a great way to invest. I recommend it all the time, especially for people without large amounts of money to invest or significant comfort and experience with investing. But the data is clear: dividend-paying stocks have offered higher returns and lower volatility than non-payers in many different market conditions. For Canadian investors, Beating the TSX has proven to be a simple and effective tool for building a portfol...
by BRIAN5000
26 Jan 2024 02:43
Forum: Community Centre
Topic: Electric Cars
Replies: 601
Views: 39602

Re: Electric Cars

Saw one in BC Monday night didn’t know what it was.
by BRIAN5000
25 Jan 2024 20:47
Forum: Financial Planning and Building Portfolios
Topic: Retirement Income Style Awareness (RISA)
Replies: 28
Views: 2076

Re: Retirement Income Style Awareness (RISA)

Your results were interesting Koogie
RISA Advice 2.png
RISA Advice 2.png (113.31 KiB) Viewed 1479 times
by BRIAN5000
25 Jan 2024 20:41
Forum: Financial Planning and Building Portfolios
Topic: Retirement Income Style Awareness (RISA)
Replies: 28
Views: 2076

Re: Retirement Income Style Awareness (RISA)

From my RISA
RISA Advice.png
RISA Advice.png (128.39 KiB) Viewed 1481 times
by BRIAN5000
24 Jan 2024 23:48
Forum: Community Centre
Topic: Sleep Apnea, CPAP machines
Replies: 27
Views: 2378

Re: Sleep Apnea, CPAP machines

I ended up with an Airsense 11 latest and greatest.
by BRIAN5000
24 Jan 2024 15:54
Forum: Financial Planning and Building Portfolios
Topic: Basic Stock Portfolio Building (Individual Stocks)
Replies: 48
Views: 4623

Re: Basic Stock Portfolio Building (Individual Stocks)

Oh crap I see the problem thanks for catching that :oops:

Note: The time period was constrained by the available data for Nutrien Ltd (NTR:CA) [Jan 2018 - Dec 2023].

Huh not sure I believe these numbers either. (Had to remove NTR for longer periods, replaced with 2.77% cash, and adjust to 2001 cause of SLF)
TEST 2 PORT CHK.png
TEST 2 PORT CHK.png (38.48 KiB) Viewed 741 times
by BRIAN5000
24 Jan 2024 15:15
Forum: Financial Planning and Building Portfolios
Topic: Basic Stock Portfolio Building (Individual Stocks)
Replies: 48
Views: 4623

Re: Basic Stock Portfolio Building (Individual Stocks)

Mudcrab wrote: 24 Jan 2024 14:54 hi, I'm not sure I'm reading it correctly, but is this spreadsheet assuming in part that the return from XIU from 2000-2023 (23 years) was only 58% (end balance 15,855)?

Quote Media only goes to 10 years but shows 62% for XIU over just those 10 years without taking dividends into account, and 121% with reinvested dividends.
That is output copied from Portfolio Visualizer. Your right something isn't right somewhere cause a 7.98% return on $10k over 23 years isn't $15855?
The results are based on the total return of assets and assume that all received dividends and distributions are reinvested
by BRIAN5000
24 Jan 2024 15:01
Forum: Stocks, Bonds, ETFs, Funds, REITS and More
Topic: Microsoft (Symbol-MSFT) - whereto
Replies: 244
Views: 47760

Re: Microsoft (Symbol-MSFT) - whereto

We need Deaddog to show up.

PI what is the purpose of your portfolio or style if your top 10 is any clue it's pretty eclectic?
by BRIAN5000
23 Jan 2024 20:35
Forum: Taxing Situations
Topic: New T3 requirements for joint accounts [that might be bare trusts]
Replies: 204
Views: 44317

Re: New T3 requirements for joint accounts [that might be bare trusts]

peet wrote: 23 Jan 2024 20:23 I’m impressed you actually got someone to talk to, and thanks for the update. Do make a detailed note of this conversation for yourself. Perhaps ( as you already note) CRA is actually starting to develop guidance on how to respond to questions like yours.
I called as well supposingly directed to the trust department all she would do is give me a link to the FAQ on Bare Trusts (or that general section)

Useless, she said it was a self assessment :x
by BRIAN5000
23 Jan 2024 18:03
Forum: Financial Planning and Building Portfolios
Topic: Basic Stock Portfolio Building (Individual Stocks)
Replies: 48
Views: 4623

Re: Basic Stock Portfolio Building (Individual Stocks)

Long term portfolio was supposed to be 25% less volatile and provide 25% more income then XIU and have a chance to out-perfom. Got one out of three correct according to Portfolio Visualizer. :( :( (also checked how an equal weight would have done)
Screwed up.png
Screwed up.png (28.53 KiB) Viewed 878 times
by BRIAN5000
22 Jan 2024 13:29
Forum: Under the Mattress: Protecting Your Money
Topic: High interest savings, GICs and MMFs (2024)
Replies: 200
Views: 16778

Re: High interest savings, GICs and MMFs (2024)

If you have free trades are these any good? Most likely mentioned before.

https://documents.purposeinvest.com/Doc ... -12-29.pdf
Purpose CAD & US Cash.png
Purpose CAD & US Cash.png (69.29 KiB) Viewed 1413 times
by BRIAN5000
19 Jan 2024 19:56
Forum: Stocks, Bonds, ETFs, Funds, REITS and More
Topic: WealthSimple Trade
Replies: 73
Views: 10311

Re: WealthSimple Trade

If I understand correctly WS will sell you fractional shares but

If you have $10k and want to buy as many BCE shares as you can you can't use a Limit order, it will buy fractional shares at xx.xxxx each?
If you use a limit order you can't buy fractional shares - Eg. you want to buy BCE at $55.99 you have to enter number of shares in a round number the decimal place is not there.
by BRIAN5000
19 Jan 2024 16:28
Forum: Taxing Situations
Topic: New T3 requirements for joint accounts [that might be bare trusts]
Replies: 204
Views: 44317

Re: New T3 requirements for joint accounts [that might be bare trusts]

So.... (JTWROS) is not a bare trust.....where an ITF (An in-trust-for account is a convenient way for parents and grandparents to set aside funds for minor children) might be...
Who owns the assets that are in an "IN Trust" account? The person that is named? Does it depend on where the money came from?
by BRIAN5000
17 Jan 2024 13:41
Forum: Stocks, Bonds, ETFs, Funds, REITS and More
Topic: What are your top holdings? (2013-2020 and counting)
Replies: 261
Views: 29979

Re: What are your top holdings? (2013-2020 and counting)

Microsoft
Stantec
Thomson Reuters
Stella-Jones
Metro
Alimentation Couche-Tard
Illinois Tool Works
CN Rail
Russell Metals
Styker
What percentage are these top 10 of your equity or total portfolio?
by BRIAN5000
17 Jan 2024 11:33
Forum: Under the Mattress: Protecting Your Money
Topic: Bribes from Discount Brokers
Replies: 301
Views: 24263

Re: Bribes from Discount Brokers

You now have until January 31, 2024 to increase your investment potential with a 1% bonus on your transferred brokerage account. No limits. Terms apply.

Robinhood https://robinhood.com/us/en/

The bonus applies to eligible assets transferred from an external brokerage account into your Robinhood non-retirement brokerage account within the offer period, from October 23, 2023 to January 31, 2024. To keep the bonus, you must keep the money you transfer into Robinhood in your Robinhood individual brokerage account for at least 2 years.
by BRIAN5000
16 Jan 2024 22:31
Forum: Stocks, Bonds, ETFs, Funds, REITS and More
Topic: CCL Industries Inc. (Symbol CCL.B)
Replies: 27
Views: 2629

Re: CCL Industries Inc. (Symbol CCL.B)

He could just reread another thread and follow some of his own and others advice.
Stop scratching the itch to
You need to settle on a good enough plan, you don't need a perfect plan.

I'm going to take one more attempt to influence the direction you are taking. Apologies if it is a bit long-winded however I think there are key points for you to ponder.
scomac wrote: ↑Fri Nov 17, 2023 5:35 It's really, really hard to train oneself to do nothing...

The spreadsheet implies a limit of 25 holdings and therefore imply each holding should have a target allocation of 100/25 = 4%.

I don't think anything less than a 5% stock position is all that worthwhile. I see you have CM as a 1% position. Why bother.
by BRIAN5000
16 Jan 2024 17:58
Forum: Stocks, Bonds, ETFs, Funds, REITS and More
Topic: WealthSimple Trade
Replies: 73
Views: 10311

Re: WealthSimple Trade

A few annoying things about Wealthsimple - no print function from your account to print out holdings or a download - no Realtime account view of transactions, at least at the moment on new account, have to wait for January statement to see info - some stock info but not the actual dollar dividend amount - no back button in program to move from viewing individual stock back to portfolio but back button on chrome works :roll: - together with above if you go to help screen it doesn't open new screen and says Log-in making it seem like your logged out, but no a few Chrome back button clicks tales you back to live account. Haven't found time-out feature yet but none on iPad :evil: - no level II quotes but everyone new that I guess - looks like y...
by BRIAN5000
16 Jan 2024 15:44
Forum: Stocks, Bonds, ETFs, Funds, REITS and More
Topic: CCL Industries Inc. (Symbol CCL.B)
Replies: 27
Views: 2629

Re: CCL Industries Inc. (Symbol CCL.B)

Peculiar_Investor wrote: 16 Jan 2024 10:40
Peculiar_Investor wrote: 11 Jan 2024 12:27 I have a price in mind and have placed a limit order that provides an acceptable margin of safety for me and our portfolio.
That price was $56.07 and it was hit this morning.
Did you take a full position half position or other?
by BRIAN5000
15 Jan 2024 15:27
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)

SCHD seems to look pretty good any specific reason or reasons for your guys to choose that one? Looks like VTI or SPY are pretty competitive except for one year drawdown numbers are better for SCHD? Very seldom does SCHD beat VTI or SPY for total return on a chart. Investing for income in an RSP?
SCHD drawdown .png
SCHD drawdown .png (21.31 KiB) Viewed 3626 times
I wish I'd owned their top 10 for 15 or 20 years.
by BRIAN5000
13 Jan 2024 13:41
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.

The Article wrote:
“People got excited by what they thought was a guaranteed 5-per-cent return,” said Benjamin Felix, portfolio manager and head of research at PWL Capital. “But it wasn’t as compelling as they were imagining.”

The problem is that the yields investors were rejoicing were nominal, in that they didn’t factor in the erosive effects of inflation.
Not passing judgement either way didn't read article critically enough.

He was dead on with this one, I got excited and still am that I can double my nominal return from 2.5% to 5% or more. (some at 6%) not a change in asset allocation for me.
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.