Hello I have done some searches and reading. Will keep it short I am 37, me and wife both have DB pensions from current jobs. I have a Lira pension from a previous job thats at 60k.We will own our home in 20yr. I was just looking for some tips if someone in similar shoes to me. Looking for put 600-1000 a month in something I Was looking at high risk Tfsa and leaving it there till retire. I did read alot on Rrsp vs Tfsa. Dont know much about stocks, if i am missing another good option please let me know. Sorry if this is a common posted subject but alot of people on here have alot of good info and are smarter than I am

I have a GIC maturing Dec 1 and have been investigating what to do with it. What I found for current rates at TD is:

1 year - 3.86%

2 year - 3.73%

3 year - 3.71%

4 year - 3.65%

5 year - 3.75%

First time I have seen a bit of a premium for the 5 year over the 2-4 year terms in a very long time. Is this a sign the inverted yield curve is actually returning to normal?

I (35M) have been working with a planner at TD for years, building what I've been told is a well-diversified RRSP, TFSA, and non-registered portfolio, primarily in mutual funds and ETFs. However, I'm growing concerned about the fees and the lack of fiduciary duty. I'm on a fee-based system, paying around $200/month recently, with over $400k invested.

While my portfolio has averaged a 12-13% annual return over the past 5 years, comparable ETFs like VUG and VFV seem to have performed similarly or even better. I'm not an expert investor, but should I consider managing ETFs myself on a platform like Questrade to save on fees?

I think I could fairly easily replicate my TD portfolio by selecting similar investments and building a balanced portfolio myself on Questrade.

Good Morning from Ont.

As the title suggests,

I have Managed RESP with WealthSimple but the returns aren't going up, I requested a more aggressive Investment strategy but for some reason it's not getting updated (it's still giving me a conservative portfolio of 2 of 10)

I have a self directed RESP account with Quest Trade, but they don't offer fractional trading.

I haven't used any other platforms so I would really appreciate an insight on where I can purchase ETFs fractionally and hopefully someway I can get an automatic deposit & stock purchase option like we have in WealthSimple,

Thanks

Rookie investor age 49 so been around since TFSA started. I think. I have really contributed over the years...maybe $20k but used it up.

Does it make sense I have that much room? Can I do a mass deposit of the remaining room in one year?

I have shares of a stock that have been on DRIP for ~20ish years. My TFSA room is nowhere near maxed and I plan on continuing to hold the stock.

I'm aware that transferring these from a non-registered to a registered account, even "in kind" will trigger a capital gain. Since the value went from a couple thousand to ~40k, will that entire amount be taxed at 50%?

My income this year and next year will be 0 so I am wondering if I should transfer now and take the tax hit to shelter future gains as I will not be maxing out my TFSA anytime soon.

My second reason for doing this is moving the stocks to an easier self-managed platform should I want to pause the DRIP and reinvest in something else to balance my portfolio as this individual stock is a large percentage.

Have a chunk of RRSP in Manulife from last work where I no longer work. It returned 7% avg yearly return. I’m no longer contributing here but the compound gains were great.

My new work has a matching RRSP in Sunlife, both are 2045 date target blackrock funds. This one returned 9% avg yearly returns.

Should I move the non active Manulife to Sunlife and consolidate or start Wealthsimple RRSP trade account and dump whatever I have in Manulife to XEQT.

Anyone done any comparison, any real difference in returns between target funds and XEQT. Hesitant to touch this as it’s been working great without me jumping in and screwing it up. Any suggestions welcome thx.

Would you just go all in on XEQT?

BCE just announced a Dividend reinvestment program where if you're a registered owner of common stock, you can elect to receive shares from treasury in lieu of cash. In so doing, BCE will provide the shares at a 2% discount to market price.

I am with questrade and found that this is not possible through them, as they only offer synthetic DRIP.

Which brokerages in Canada can you participate directly in issuer offered DRIP?

I'm disappointed questrade does not facilitate same.

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There are so many threads and comments on here people taking about holding on to some stock "until it recovers" based on nothing but unicorn farts and dreams.

It depends on the company but you need to check yourself if you are holding shit like BCE, Superior Propane or AQN.

I used to hold all of them. BCE was around 60 not long ago, I held down til around 45, AQN was in the teens and i finally sold around$10 or $11

I sold Superior on Wednesday (Thank Christ lol!!)

When you look at this stuff in your portfolio, yeah its emotional realizing you are not some smart uber-trader and you should have just bought an ETF.

All these losses of mine I moved the $$ into an XGRO type EFT and all is well.

Yeah I lost money on some of these stocks, but if I still had them today it would be much worse.

You dont need to sell all your down stocks but you should examine them and think about their managment and if you REALLY think they are going to do better than an index ETF

Just let it go!!!

I've been in CPD.to preferred share ETF for years and years. It has not done well for me. Granted, YTD it's doing pretty good, but if you zoom out to 5yr or more, it's been an absolute dog.

I've been holding on with the assumption that as rates drop, the fund should come back up. I'd like to get out at my average cost basis. I'm starting to second guess this approach now, though.

It's price action seems to be down hard when interest rates rise, then up slightly when interest rates drop. I expect BoC will chop again in December, but I doubt CPD.to will stay above $12 regardless.

I'm about to throw in the towel.. Am I making a mistake?

Hi, could please someone explain this to me? I currently have a simple portfolio, wich XEQT, and VDY in tfsa.

The only reason I have VDY is to experiment a bit with the higher dividend income. I'm new to investing and my understanding was that, the dividend yield is based on how many shares you have, (very summarized) minus any maintenance fees and witholded usd porcentage.

For VDY i have about 20 shares and thr yield is supposed to be 4.43%, around $2 or so dolars per share.

Last month I got around $8.90 of total dividend.

But this month I got only $6.20, but I have more shares now than I did before....

This is very confusing to me. Neither last month nor this month return makes sense to me, but the fact that this month is less make even less sense..

I use wealthsimple, and while I it's an overall good platform I hate that theres absolutely no details about how the dividiend return was calculated.

Appreciate any insight, thanks.

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I want to run a few simulations with different portfolios and I want to check that my calcs are good.

Assume Dividends are reinvested, 0 starting value [S], 10% total return (average annual) [r], 2% dividend yield [d], 0.5% MER [m], 5k contibution made at start of year [C].

Net capital gains [N] = (S + C) × (r - d - m) = $375; Dividends earned [V] = (S + C) × d = $100; Ending Value [E] = S + C + N + V = $5475

Starting value of next year = Ending Value of last year.

Is the model good?

I’m up 100% on MFC. Feeling like I should probably take the profit and sell the stock. But also seeing some more growth room based on earnings and growth potential and could hold long term and just keep going on the dividend. If I cash out I’d probably dump the money into one of my other all in one ETFs.

I’ve sometimes had trouble taking the profit when up, other times took a profit too early and could have made significantly more.

How are people feeling about MFC?

With interest rates dropping, I am dipping my toes into leverage investing for the first time. I have been using my LOC (at Scotia prime; I can’t get a HELOC right now), but now that WS has a margin account with a lower rate, I am wondering if that’s a better option (or more likely, some combo of the two to maintain minimum margin balance).

Perhaps this is a dumb question (I’m sure I’ll get a few, “if you’re this dumb you shouldn’t be using margin” comments), but I’m not really clear how interest payments work on margin. It seems you pay no interest until you sell the security? Is that a drawback for someone looking to write off the interest expense annually at tax time (I intend to buy and hold)? Is there a way to make interest only payments like one would with an LOC?

Appreciate any insight this community can provide.

Hello fellow investors!

I hold shares of company X in the following accounts: TFSA RRSP Non-registered

If I sell all shares of company X from non-registered account but hold on to shares of the same company in a TFSA or RRSP, does the superficial loss rule applies?

Basically do you have to sell the shares of a company across ALL account types to avoid superficial loss rule?

I'm not planning on rebuying shares of that company within the next year in any accounts.

Thanks

I obviously don't want to get flagged as a day trader in my tsfa.

I usually do about 1 trade a day or less, usuallyif its justwhen I feel like my buying price is too high so I waitfor a lower price before I buy and hold (or try to hold). Only took out 500 from my tsfa in it's entire lifetime (opened it half a year ago)

edit: looking at my trade history, the 1 trade a day is just the last 3 days, before that it's like 1 trade every 3-4 days for 2ish weeks (and before that it was buying and holding)

I just opened a RESP for my new born. If I want to buy S&P500. Which stock should I buy? I heard I should buy VFV.to in my TFSA and SPY.nyse for my RRSP since the dividends are sheltered in a RSP.

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are we dropping the % for the canadian and international allocation in our portfolios or keeping as it's?, just talking about Trump winning the election and all he have in mind with increasing rates, taxes, fares etc. I have in my RRSP and TFSA (the numbers are pretty close): Total US (50%), Small Caps (11%), Emerging Market (10%), International (15%) and Canada (14%), should I drop the canadian and international allocation a little be?

I'd love if I could easily invest my RRSP money from work into my Wealthsimple account but thats not possible anymore.

Currently my profile is setup for their Select Growth mutual fund, which I already feel won't perform as well as buying XEQT or VFV. I'd like to eventually do a lump sum buy once a year or so to keep down on the $10 trade fees, but would still like my money to be doing more. Are there any other funds that would be worthwhile using, I'm looking through their list and there is a lot to go through.

I have 250k to invest and would just invest in ETFs like VFV and XEQT but I can't get over the fact that most ETFs have a huge weighting to in my opinion companies that are extremely overvalued. Apple is barely growing each year at around 5 percent yet is valued extremely high and like they're going to be growing a ton when it's not likely. And then Nvidia is just pure insanity to be worth 3.6 trillion with their mediocre sales and income for that valuation. They only net 53 billion a year and this is the time when AI hype is crazy and they have the most customers. Already just to put it in perspective it would take about 68 years at their current income to make what their valuation is. That's an insane thought, they would have to at least triple their sales to even be at a reasonable value but I highly doubt that is ever going to happen.

Is just seems like everyone is piling money into the market and not caring what the valuations are or what the companies are making or doing. So I'm looking for opinions on if today you had 250k to invest would you put it all into the market knowing the current valuations and PE ratios and if so would you lump sum or DCA?