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1gla4i3

I was at my branch recently enquiring about an Investment Secured LOC on my DI portfolio. I've never seen so many deer-in-the-headlight looks from so many people in one branch. Only the grumpy and unhappy manager seemed to know anything about it, and she just wanted me to get a HELOC instead. Has anyone here dealt with TD or any other Canadian broker about an SBLOC? I can't see anything at IBKR for Canadians :(

timrid

Anyone Familiar with TD's ISLoC (SBLOC/PAL)?

/r/CanadianInvestor/comments/1gla4i3/anyone_familiar_with_tds_isloc_sblocpal/

1glab64

I’ve got 38k in an RRSP account (just removed from a scotia mutual fund). I’m focusing on my TFSA (VEQT) as I’m 34 years old. What’s the best set and forget ETF that has a good dividend to growth ratio that I can DRIP and not think about for a while as I likely won’t be making regular contributions to the RRSP. Thanks!

Stank-Pappy

Set and Forget Dividend/Growth DRIP

/r/CanadianInvestor/comments/1glab64/set_and_forget_dividendgrowth_drip/

1glb7hj

Previous-Display-593

Do you think the CAD drop today was reflective of concerns on Trump trade policy impacting the Canadian economy?

/r/CanadianInvestor/comments/1glb7hj/do_you_think_the_cad_drop_today_was_reflective_of/

1gldiwp

BananaRaisin

iA Financial Group Reports Third Quarter Results - +16%

/r/CanadianInvestor/comments/1gldiwp/ia_financial_group_reports_third_quarter_results/

1glesk1

Got about 300k sitting in a rrsp at questrade that I'm looking to move to capture some signup bonus. Webull seems nice with a 1.5% deposit match, but worried about the trustworthiness of being a Chinese company and all. Anyone that use it can speak to it?

lawonga

Webull 1.5% and trustworthiness of it?

/r/CanadianInvestor/comments/1glesk1/webull_15_and_trustworthiness_of_it/

1glf3sm

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?

TheDoggydog23

Is it worth investing a large sum with how crazy the market is right now, how high can these crazy overvalued companies like Nvidia and Apple go?

/r/CanadianInvestor/comments/1glf3sm/is_it_worth_investing_a_large_sum_with_how_crazy/

1glflw7

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.

MrDingDingFTW

My work pays into a RBC Group RRSP, whats the best way I can invest this with their selection of mutuals finds?

/r/CanadianInvestor/comments/1glflw7/my_work_pays_into_a_rbc_group_rrsp_whats_the_best/

1glgnyl

Have been doing RRSPs for last 20 years with generic 2045 funds, recently logged in after a long time to see what’s in there and found a nice surprise of compound gains. One is 7% avg yearly returns second is 9.6%. Now I want to do the same in TFSA. Completely ignored my TFSA, have 5k to invest, planning to do 200$ a month after that. So far picked XEQT, VFV, SCHD. Not sure if I should go lump sum 5k initially or DCA 200$ a month for 20 years. VFV is mostly to have more US exposure will add much less to it, SCHD is to throw USD currency at it. XEQT will be my main ETF where I dump most money. Really just looking for 10% return a year on this, any suggestions for the portfolio any better ETF combo out there VTI seems to pop up lately. Once I start dont want to switch around.

Double_Adhesiveness9

Retiring in 20 years help me build a TFSA portfolio

/r/CanadianInvestor/comments/1glgnyl/retiring_in_20_years_help_me_build_a_tfsa/

1glgul6

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?

Only-Environment7550

Canadian & International positions

/r/CanadianInvestor/comments/1glgul6/canadian_international_positions/

1glhh39

My questrade TFSA has $USD in it. When I transfer my TFSA to IBKR, can I transfer the USD or do I have to convert it to CAD first and then transfer?

MiddleEarthVagrant

Transferring TFSA from Questrade to IBKR in $USD.

/r/CanadianInvestor/comments/1glhh39/transferring_tfsa_from_questrade_to_ibkr_in_usd/

1glj0u6

I foolishly bought whatever others were excited about when I started out, and I’m a filthy casual even at the best of times. What to sell to reduce the overlap I surely have? I just bought a bunch of XEQT and VFV so pretty sure I’ll keep those. Not pictured: a couple individual stocks, including my cautionary reminder of Blackberry stocks.

arrived_on_fire

Advice Sought: Overlaps

/r/CanadianInvestor/comments/1glj0u6/advice_sought_overlaps/

1glnve6

Your daily investment discussion thread. Want more? Join our new [Discord Chat](https://discord.gg/4Q6mzTWz3D)

OPINION_IS_UNPOPULAR

Daily Discussion Thread for November 07, 2024

/r/CanadianInvestor/comments/1glnve6/daily_discussion_thread_for_november_07_2024/

1glp8sw

Illustrious-Nebula63

Recommendations for a CAD ETFs that are structured to do very well over next 5 years and then next 10 years as planet warms, climate crisis gets worse?

/r/CanadianInvestor/comments/1glp8sw/recommendations_for_a_cad_etfs_that_are/

1glu1fq

For context, I'm in my late 20s and just got married. We're looking to buy a house in the next 5 years, and both have opened an FHSA. I've also opened an RRSP (other than my one from work), as I'm in a much higher tax bracket, and I already have a TFSA. Have spent a really long time doing research, and honestly am a bit tired now trying to figure out what is best. My risk tolerance for the investments in our FHSA is low to mid, while in RRSP and TFSA I plan to not look at for next 30 years. I've arrived at the following split: **My FHSA** VFV (70%) XAW (30%) **Her FHSA** XEQT (100%) Justification of the above is, with half of our total FHSA investment we can be more risk tolerant. XEQT essentially can be broken down to 25% Canadian + 75% XAW essentially, while for myself I will lower the international coverage and increase exposure to US markets. **RRSP** ZNQ (35%) VOO (25%) XEQT (40%) **TFSA** XQQ (50%) VFV (25%) XAW (25%) (or maybe XEQT?) Thoughts? getting exhausted trying to find the right combination, but I'm a lot more satisfied with the above

JonSnow_123

Evaluate my Portfolio (RRSP/FHSA/TFSA)

/r/CanadianInvestor/comments/1glu1fq/evaluate_my_portfolio_rrspfhsatfsa/

1glw4n8

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.

Outside_Round7945

RESP investments. VFV or SPY?

/r/CanadianInvestor/comments/1glw4n8/resp_investments_vfv_or_spy/

1gly59v

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)

SirRHellsing

What counts as day trading?

/r/CanadianInvestor/comments/1gly59v/what_counts_as_day_trading/

1glytyj

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

Infectr0n

Superficial Loss question

/r/CanadianInvestor/comments/1glytyj/superficial_loss_question/

1glz5fm

With the US presidential election behind us, and seeing the massive ripple effects it had on the overall market, I got to wondering what other recurring dates tend to have this kind of effect on the market? Please share key dates that investors should be aware of

dxing2

What key dates affect the stock market the most?

/r/CanadianInvestor/comments/1glz5fm/what_key_dates_affect_the_stock_market_the_most/

1glztvr

I created a WealthSimple account and want to invest in the Canadian market. Fortunately, WealthSimple doesn’t charge commission fees. I know that day trading is considered business income and is taxed at 100%, while investing in a non-registered account is taxed at a 50% capital gains rate. Can someone explain why day trading might be a bad strategy? I’ve read online that long-term investing is better for even non registered. Lets say i find a stock that frequently goes up and down. **Trading Scenario** **For simplicity sake we will do $1 rise and falls** * **Initial Capital**: $100 * **Buy 100 shares at $1 per share**: Total investment = $100 * **Price rises to $2**: I sell the 100 shares for $200, making a $100 profit. * **Price falls back to $1**: I use the $200 to buy 200 shares at $1 per share. * **Price rises to $2 again**: I sell the 200 shares for $400, making a $200 profit. So, after two cycles, I would have $400 in total and a profit of $300. On the other hand, if I were to invest in the stock and wait for the price to rise to $2, I would still have just 100 shares or, if I reinvested the $100 profit, I would have 200 shares (just like in the trading scenario), but without the same frequency of compounding. The way I see it, even though day trading is taxed as business income (at 100%), I would still make more money compared to long-term investing because the shares compound every time I get more shares, which should result in more profits over time. Can someone break this down for me and explain why long-term investing might still be the better strategy?"

GeekyGainz

Im new to trading/investing Can some tell me why this is a bad strategy? Also Taxes.

/r/CanadianInvestor/comments/1glztvr/im_new_to_tradinginvesting_can_some_tell_me_why/

1gm269u

With rates starting to come down, CASH, CBIL and other similar ETFs are looking less and less enticing with each rate drop. I have some money parked in my TFSA that I anticipate using in the next 2-5 years that I was investing with CASH for the last 9 months. Now I am starting to think about putting it towards something else, does anyone have some recommendations for something similar (understanding I might need to move to a product that has some level of risk and potential for loss) that would offer a 4-5% dividend or monthly income and fairly stable/safe - understanding if I go towards equities nothing is guaranteed safe.

primetimey123

Looking for alternatives to CASH/CBIL/etc.

/r/CanadianInvestor/comments/1gm269u/looking_for_alternatives_to_cashcbiletc/

1gm37ww

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.

bobichettesmane

Leveraged investing: LOC or margin

/r/CanadianInvestor/comments/1gm37ww/leveraged_investing_loc_or_margin/

1gm4ke7

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?

tomthepro

When to take a profit (MFC)

/r/CanadianInvestor/comments/1gm4ke7/when_to_take_a_profit_mfc/

1gm6ie9

If you believe Trump being president will hurt CAD, how can you protect yourself? Edit: I understand investing in S&P 500 but if I do VFV in CAD, and the dollar tanks, isn't that a bad idea?

BlueHotCoconut

If you believe Trump being president will hurt CAD, how can you protect yourself?

/r/CanadianInvestor/comments/1gm6ie9/if_you_believe_trump_being_president_will_hurt/

1gm7c65

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?

dtae49

Calculating capital gains and dividends earned

/r/CanadianInvestor/comments/1gm7c65/calculating_capital_gains_and_dividends_earned/

1gm9m8v

Acceptable-Month8430

TD stuck in AMHeLL - Former TD employee indicted for distributing customer data on Telegram

/r/CanadianInvestor/comments/1gm9m8v/td_stuck_in_amhell_former_td_employee_indicted/

1gm9zjl

Hey everyone, I’m looking to get some advice on how to invest my TFSA, I would like it to grow with dividends and safer holdings I currently also have an LIRA account that I invest with as well Would anyone suggest to stick with banks as a safe guard for the TFSA?

Nivsy_21

Looking for advice with a TFSA

/r/CanadianInvestor/comments/1gm9zjl/looking_for_advice_with_a_tfsa/

1gmawaq

I'm 23 years old and I'm trying to invest as much as I can. My holding are agf808, vdy, xeqt, and zsp in most equal parts. Might sell vdy and move away from the dividends. Is this a good split of stuff?

Jolly_Welcome_1046

Tfsa portfolio

/r/CanadianInvestor/comments/1gmawaq/tfsa_portfolio/

1gmfymc

Your daily investment discussion thread. Want more? Join our new [Discord Chat](https://discord.gg/4Q6mzTWz3D)

OPINION_IS_UNPOPULAR

Daily Discussion Thread for November 08, 2024

/r/CanadianInvestor/comments/1gmfymc/daily_discussion_thread_for_november_08_2024/

1gmisf0

SojuCondo

Canada's unemployment rate holds steady at 6.5% as jobs report misses expectations

/r/CanadianInvestor/comments/1gmisf0/canadas_unemployment_rate_holds_steady_at_65_as/

1gmiuog

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.

InFm0uS

Confused by latest dividend received

/r/CanadianInvestor/comments/1gmiuog/confused_by_latest_dividend_received/

1gmjjr4

I think there're two many ticks on my account. Any suggestions on how to optimize it? Thanks :D https://preview.redd.it/0pglnxy1sozd1.png?width=884&format=png&auto=webp&s=f4f7c942fce81bfe41ee06b0a6df2d87e538fde0

thichmigoi

Advise on how to optimize my porfolio

/r/CanadianInvestor/comments/1gmjjr4/advise_on_how_to_optimize_my_porfolio/

1gmmw0r

I've been in [CPD.to](http://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](http://CPD.to) will stay above $12 regardless. I'm about to throw in the towel.. Am I making a mistake?

Still_Diamond_504

Preferred shares - is it time to give up on them?

/r/CanadianInvestor/comments/1gmmw0r/preferred_shares_is_it_time_to_give_up_on_them/

1gmqvf0

Trump has "promised" to appoint RFK Jr. to a health role under the new administration. RFK Jr. has been very vocal about fighting big pharma and gutting out corruption in the FDA. Elon is already benefiting from Ketamine assisted therapy for his mental health woes; is this new administration a tailwind for Numinus? I'm on the fence myself, because Numinus has almost run out of cash, and in August, the FDA requested a further Phase 3 clinical trial on MDMA assisted therapy for PTSD, etc. Does Numinus have enough time to tangibly benefit? Or is the surge in volume and potential support too little and too late to save this company?

Emaxedon

Numinus (psychedelic assisted therapy) volume today is 6X avg.

/r/CanadianInvestor/comments/1gmqvf0/numinus_psychedelic_assisted_therapy_volume_today/

1gmrffr

pharoah_petroc

$6000 S&P500 🥳🥳

/r/CanadianInvestor/comments/1gmrffr/6000_sp500/

1gms1ek

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!!!

farrapona

Don't be afraid to let go and LOSE MONEY

/r/CanadianInvestor/comments/1gms1ek/dont_be_afraid_to_let_go_and_lose_money/

1gms4ju

bobichettesmane

X-posting here because the LOC is for investing…

/r/CanadianInvestor/comments/1gms4ju/xposting_here_because_the_loc_is_for_investing/

1gmsyne

Your Weekend investment discussion thread. Want more? Join our new [Discord Chat](https://discord.gg/4Q6mzTWz3D)

OPINION_IS_UNPOPULAR

Weekend Discussion Thread for the Weekend of November 08, 2024

/r/CanadianInvestor/comments/1gmsyne/weekend_discussion_thread_for_the_weekend_of/

1gmv45l

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.

348274625912031

Which brokers facilitate participantion in issuer offered DRIP?

/r/CanadianInvestor/comments/1gmv45l/which_brokers_facilitate_participantion_in_issuer/

1gmyc2s

Would you just go all in on XEQT?

the_evil_intp

If you had 3 million dollars, and 30 years until retirement, and you wanted to grow your networth passively fast with reasonable risk, what would you invest in and why?

/r/CanadianInvestor/comments/1gmyc2s/if_you_had_3_million_dollars_and_30_years_until/

1gmyn4t

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.

Double_Adhesiveness9

Help me decide some moves RRSP

/r/CanadianInvestor/comments/1gmyn4t/help_me_decide_some_moves_rrsp/

1gn0yu8

Can you all list your favorite Canadian companies (no ETFs, just individual stocks) and explain why you think they are good investments? I have only been investing in American companies and thought it's time to explore and learn about Canadian companies. Note: I'm not the type to just take someone’s word and buy a stock just because they seem persuasive and convincing. Please help me learn 🙏

Iconicbloke

Looking for recommendations

/r/CanadianInvestor/comments/1gn0yu8/looking_for_recommendations/

1gn1w5y

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.

justablip89

Should I moved non-registered stocks into my TFSA?

/r/CanadianInvestor/comments/1gn1w5y/should_i_moved_nonregistered_stocks_into_my_tfsa/

1gn3d02

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?

cana_dave

CRA says I have $110k room in my TFSA

/r/CanadianInvestor/comments/1gn3d02/cra_says_i_have_110k_room_in_my_tfsa/

1gn7ugi

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

lost_In_GTA

Which platform offers Self Directed RESP account with Fractional purchases?

/r/CanadianInvestor/comments/1gn7ugi/which_platform_offers_self_directed_resp_account/

1gn847d

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.

Salt-Conversation421

Moving away from TD Financial Planner

/r/CanadianInvestor/comments/1gn847d/moving_away_from_td_financial_planner/

1gn90wt

Keep seeing articles about this (also on TLDR pod) Canada stocks set to out perform US stocks over the next year or two. Some say the next 10 years. Any of you changing your portfolios with this news? Currently my only Canadian stocks are Canadian banks via HCAL. Thinking of diversifying and buying a full TSX ETF like TTP or similar. What’s everyone’s thoughts on this? Seems hard to believe Canada stocks could rally harder than US over the long term.

hvmlock

Canada Stocks to Rally Longer than US

/r/CanadianInvestor/comments/1gn90wt/canada_stocks_to_rally_longer_than_us/

1gnbp9b

kim82351

Is there a reliable source for analist upgrades and downgrades?

/r/CanadianInvestor/comments/1gnbp9b/is_there_a_reliable_source_for_analist_upgrades/

1gnf4fi

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?

UniqueRon

Is the Yield Curve finally returning to normal?

/r/CanadianInvestor/comments/1gnf4fi/is_the_yield_curve_finally_returning_to_normal/

1gnfquu

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

Polsok44

Advise for a guy who doesnt know alot

/r/CanadianInvestor/comments/1gnfquu/advise_for_a_guy_who_doesnt_know_alot/

1gnjofn

like the title says, wondering why Dollarama keeps grinding higher? The P/E ratio is crazy expensive, especially when looking at the U.S. dollar stores (DG, DLTR, FIVE etc.) Recognize that DOL has been more consistent than the U.S. peers at hitting guidance, but the P/E difference seems mind blowing. Surely DOL has come back down to earth, right? Either EPS needs to grow massively, or the price needs to pull back. Also, like why do people go there so much more versus the U.S. guys? Admittedly, some of this post is a bit salty. Made some bets on DG at the start of the year, still bag holding, on the assumption that the dollar store dynamic in Canada would also play out in the U.S. and there'd be a catch-up trade. Also, figured that consumer pressure would also help the story, but it seems like DOL is attracting higher-income consumers to a greater extent versus what the U.S. guys can do. Clearly didn't do enough homework/research on this and now wondering if I should cut my losses and look elsewhere, maybe rotate the money back into DOL. Feels bad though given how expensive DOL looks, even on forward earnings estimates. I personally go to Dollarama for candy/chips, and maybe some cards/crafts supplies.

frostqueensclaim

Why does Dollarama keep ripping? Should I switch out my US dollar store plays into Canada

/r/CanadianInvestor/comments/1gnjofn/why_does_dollarama_keep_ripping_should_i_switch/

1gnlmje

_farmacy

FHSA & TFSA ETFs?

/r/CanadianInvestor/comments/1gnlmje/fhsa_tfsa_etfs/

1gnpe83

Cornetto_Chocolate

Which stocks will benefit the most from legalization? CYBN, MDMA, MNMD, CMPS, NUMI

/r/CanadianInvestor/comments/1gnpe83/which_stocks_will_benefit_the_most_from/

1gntoq0

Hi everyone, I’ll be heading back to school this year and am looking for some ideas to earn passive income to help cover my expenses. Here’s a bit about my situation: • I have around ~$900k in total assets, with most of it in my TFSA (850k, no over contributions/day trading). • I live in a low-cost area, so my monthly expenses are around $2,500. I’m hoping to find some solid passive income strategies. Any suggestions for maximizing my current assets or tips on income-generating investments would be greatly appreciated! Thank you in advance!

Impossible-Affect202

Looking for Passive Income Ideas While in School

/r/CanadianInvestor/comments/1gntoq0/looking_for_passive_income_ideas_while_in_school/

1gntykp

What would you change?

pollywantsacracker98

What do you think of the portfolio ChatGPT created for me? Ou

/r/CanadianInvestor/comments/1gntykp/what_do_you_think_of_the_portfolio_chatgpt/

1gnwo0f

You can make 10x+ more than this by investing in high interest ETFs stocks that offer 4 to 5% annual. These interest rates are abysmal in comparison.

_Spathi

How is this high interest?

/r/CanadianInvestor/comments/1gnwo0f/how_is_this_high_interest/

1gnziy4

I can’t say I know the answer to this, I currently have a TFSA and RRSP outside my banking institute. I have a car and mortgage loan but neither are from my direct bank. I’m curious if I consider opening a HIFSA with my bank and dumping $60k. Would it allow me to build more capital in their eyes thus allowing me to access more debt (loans) if I ever need it? I know the fees are higher. I know the return isn’t as large - but im trying to ensure I also have the ability to get capital if I need it in the future.

rtztoronto

Does opening an investment account with your bank help?

/r/CanadianInvestor/comments/1gnziy4/does_opening_an_investment_account_with_your_bank/

1go355e

In 2024 I withdrew $7000 from my TFSA. As of Jan 1st/2024 I have contribution room of $62,000. I have deposited $1950 back into my TFSA throughout 2024. This may be an incredibly dumb question but how much could I continue to contribute for the rest of the year. I can't find a number on my CRA account. Would it be the $62,000 - $7,000 ?

FirefighterFit9880

TFSA Contribution room

/r/CanadianInvestor/comments/1go355e/tfsa_contribution_room/

1go8ozk

Your daily after hours investment discussion thread. Want more? Join our new [Discord Chat](https://discord.gg/4Q6mzTWz3D)

OPINION_IS_UNPOPULAR

Overnight Discussion Thread to Kick Off the Week of November 10, 2024

/r/CanadianInvestor/comments/1go8ozk/overnight_discussion_thread_to_kick_off_the_week/

1gobab7

Hi, I'm sitting on some cash in my corporation. Looking to do index investing with a 60/40 asset allocation. Which are the most tax advantageous ETFs? TIA!

ju5treddit

Most tax efficient ETFs to invest funds within a Canadian Corporation

/r/CanadianInvestor/comments/1gobab7/most_tax_efficient_etfs_to_invest_funds_within_a/

1gocaw9

Hello I'm a student with around 26k worth of investments. I just sold most of my HDIF holdings in order to buy into lower MER ETFs, but unfortunately I only work part-time so my overall investment rate is quite slow. I also have 5K of SMH. Is it ever worth to invest for dividends? Should I dump the whole thing into XEQT? I'm looking to invest long-term. Thanks.

Capable_Guard283

Help for investing

/r/CanadianInvestor/comments/1gocaw9/help_for_investing/

1godhgw

I know there are some US ETFs, but are there any in Canadian dollars?

newuserincan

Which Canadian ETF cover renewable energy?

/r/CanadianInvestor/comments/1godhgw/which_canadian_etf_cover_renewable_energy/

1goe38h

Looking to buy a brick and mortar store- specifically a small restaurant that specializes in Mediterranean food. I’ve heard the margins are small in the restaurant business. Any general advice? Looking to invest around 250k with a return on my investment in around 10 years.

Acrobatic_Pound_6693

Investing in brick and mortar stores- which types of businesses do well?

/r/CanadianInvestor/comments/1goe38h/investing_in_brick_and_mortar_stores_which_types/

1gohw2x

Hey guys , I know it’s Remembrance Day tomorrow but I’m wondering if TSX would be open for trades.. cheers and thanks

Brazillah_Dillah

Does TSX opens tomorrow ? 11/11/2024

/r/CanadianInvestor/comments/1gohw2x/does_tsx_opens_tomorrow_11112024/

1gopnkf

Your daily investment discussion thread. Want more? Join our new [Discord Chat](https://discord.gg/4Q6mzTWz3D)

OPINION_IS_UNPOPULAR

Daily Discussion Thread for November 11, 2024

/r/CanadianInvestor/comments/1gopnkf/daily_discussion_thread_for_november_11_2024/

1gou2of

I bought 10 shares for $1000 per share. Share price reduced to $500. I bought 10.12 ***(0.12 fractional share)*** more shares at $500. I have now **20.12 shares** in total with average value of \~$750 . I sold 20 shares immediately next day when value dropped to $100 per share. I owned those **0.12 share** even after 30 days of sale. (wealth simple doesn't sell fractional shares :/ ) Is this a wash-sale (superficial loss) because bought within 30 days before the sale and **still owns those leftover 0.12 share after the 30 calendar day**? Rules from the CRA website: *A superficial loss can occur when you dispose of* [capital property](https://www.canada.ca/en/revenue-agency/services/tax/individuals/topics/about-your-tax-return/tax-return/completing-a-tax-return/personal-income/line-12700-capital-gains/definitions-capital-gains.html#Capitalproperty) *for a loss and both of the following conditions are met:* * ***You,*** *or a person affiliated with you,* ***buys,*** *or has a right to buy, the same or identical property (called "substituted property")* ***during the period starting 30 calendar days before the sale*** *and ending 30 calendar days after the sale* * *You, or a person affiliated with you,* ***still owns,*** *or has a right to buy, the substituted* ***property 30 calendar days after the sale***

Palebluedot14

Is this a supeficial loss?

/r/CanadianInvestor/comments/1gou2of/is_this_a_supeficial_loss/

1gou9xk

Squiph

Investorline Cash Balance Question

/r/CanadianInvestor/comments/1gou9xk/investorline_cash_balance_question/

1goui0p

As a follow up to the recent Ben Felix Videos "why betting on winning industries almost never work" & "Thematic ETFs are terrible investment", I was wondering if there is any "boring industries etf" regrouping growth companies that often falls under the radar for being "boring" or "not popular" and putting aside the Amazon and Tesla's of this world. Or would that be more like a Value ETF?

julpyz

Is there any "boring" ETF

/r/CanadianInvestor/comments/1goui0p/is_there_any_boring_etf/

1gov5gw

Any input appreciated! Receiving inheritance: 265k Current debt: 151k mortgage 25k car Two kids Both have DB pensions in late 30s, 20+ years to retirement (unless we hit lottery with investments lol). Current investments: Me: RBC Direct Investing: TFSA: 13k (XEQT 11.5k, RBF2010 1.5k) RRSP: 11.4k (XEQT) RESP: 6k (XEQT 2.5k, VGRO 3.5k) RBC: TFSA: 30k GIC (Feb ‘25) RRSP: 6k GIC (Nov ‘27) RESP: 58k (GIC 3.5k (Dec ‘25), Mutual Funds: 30.5k Target 2030, 16k Target 2035, Select Aggressive Growth 8k Wife: RBC: TFSA: 23k GIC (July ‘25) Checking account: 12k TFSA contribution room (roughly) Me: 60k Wife: 80k RRSP this year: Me: 50k Wife: 19k My plan right now is to do the following: Pay car off, 240k left Top off TFSAs split between VEQT and VFV for me in Wealth Simple and XEQT and VFV for my wife in RBC, 100k left Top off RRSP roughly 20k each (40k total) for RRSP into VFV, with 18/20k tax return, 80k left Transfer rest of 80k into WS in cash account to have for topping up TFSAs in the future and pay for new vehicle when mine finally fails. Plus principal payments on mortgage each month I will also be moving all RESP to Direct Investing account and splitting between VBAL, VGRO and XEQT next December. Any thoughts or input in my plan? Thanks everyone!

Duffleupagus

Full Investment Picture

/r/CanadianInvestor/comments/1gov5gw/full_investment_picture/

1gow52p

Where can I invest $900 CDN, I am looking for something with medium yield and medium risk. Which means guarantee of ROI is 50/50. I don't want to do GIC nor bond even though it guarantees 100% ROI if you pick the right one, but yield is VERY low. I want to make the investment in FHSA and TFSA accounts. Unfortunately, my current budget only allows me this much money for savings, but every drop counts and it is better than sitting in my chequing account. **I want to make the following monthly contributions to my following accounts:** ● $100CDN into HISA ● $400CDN into FHSA (**Can I do direct investing in FHSA account or do I need to open FHSA Direct Investing account?** Like TFSA is for GIC and bonds, but TFSA Direct Investing lets you buy ETFS and stocks.) ● $500CDN into TFSA DI (there's also an issue of $9.99 fee per transaction so that means per year I am also losing $9.99*12=$119.88. I looked into TD easy trade but they are charging annual fee of $150 for 50 trades, but the trading is limited to just canadian market and TD ETFs. So, in that way, $119.88 is cheaper than $150.) Thank you. New to investment, so please be kind if you think I made an error in my understanding of medium risk and medium yield concept. I'd much rather prefer to get educated to clarify my misunderstanding than see non-constructive criticism.

brokenfighter_

Need sound advice to invest $500 CDN in an investment with medium yield and medium risk.

/r/CanadianInvestor/comments/1gow52p/need_sound_advice_to_invest_500_cdn_in_an/

1goxhl6

Like to invest in some companies that are more involved in the GeoThermal Energy Suggestions on big players and perhaps some relative unknown companies growing with Geothermal as a main aspect of their future business? Thanks so much Dorian

DarkZodiacMCOC

GeoThermal Energy

/r/CanadianInvestor/comments/1goxhl6/geothermal_energy/

1goyp90

I have some US cash from dividends in a US TFSA. As the US -Cdn exchange rate is horrible right now, I’m thinking of taking some cash out of the US TFSA. What are the rules for when I am ready to put it back in? I know I have to wait until the following January but if the dollar exchange rate changes, how does that work? I’m keeping everything in American funds as I am using it in the US. E.g. if I take $1000 US out now, and return it in 6 months. TIA

life_is_short1

US TFSA QUESTION -

/r/CanadianInvestor/comments/1goyp90/us_tfsa_question/

1goz5sh

I use adjustedcostbase.ca to keep track of my ACB. I have some questions. \- For Options, if I do a Cashless Sell, what do I input in ACB.ca? Do I do a buy at the grant price and then a sell at the stock price which covers the costs and taxes? \- For RSU, I recently got one vested. So it vested and half immediately got sold to pay for taxes. So in ACB.ca, do I do a buy at the stock price at that time it vested, then a sell at the stock price at the time it vested which covers the taxes?

imessedup6

Questions on ACB for Options and RSU

/r/CanadianInvestor/comments/1goz5sh/questions_on_acb_for_options_and_rsu/

1gp0zmw

https://zlk.com/pslra-1/the-toronto-dominion-bank-lawsuit-submission-form > Allegations > According to the complaint, on October 10, 2024, TD unveiled the resolutions reached from United States investigations, which included, in addition to the punitive payment of $3.09 billion, both an asset cap, preventing TD’s U.S. subsidiaries from exceeding a collective $434 billion, a reflection of the Company’s assets as of September 30, 2024, and further subjects TD to more stringent approval processes for its product, service, and market rollouts. Further, the Department of Justice, in their own corresponding release, highlighted the significance of TD’s failures as “the largest bank in U.S. history to plead guilty to Bank Secrecy Act program failures, and the first US bank in history to plead guilty to conspiracy to commit money laundering.” The unveiling of the scope of the Company’s anti-money laundering failures surprised investors and analysts alike as they reacted immediately to the revelations. The price of TD’s common stock declined dramatically. From a closing market price of $63.51 per share on October 9, 2024, TD’s stock price fell to $59.44 per share on October 10, 2024, and further to $57.01 on October 11, 2024, a decline of more than 10.23% in the span of just two days.

kim82351

pending Class Action Toronto-Dominion Bank(TD)

/r/CanadianInvestor/comments/1gp0zmw/pending_class_action_torontodominion_banktd/

1gp19zv

I currently invest across 2 platforms and both personally and in my corporation. I want to set up the most cost effective way to keep my fees low and then maximize the fx when I need to convert to Canadian. For the purpose of this question please do not consider taxes. Assume the taxes are paid in full when moving between corp and personal. Here is my Current setup and how I generally do it today: 1. RBC usd corp chequing - usd paid by client direct 2. RBC cdn corp chequing - where I convert my usd to pay business expense and where I pay my dividend to personal 3. RBC personal chequing cdn - where my dividends from corp are paid to 4. Wise personal - empty and never used 5. RBC Corporate direct investing - 10$ a trade 6. Wealth simple personal CDN TFSA - Free trades Currently on a monthly basis, when I get a deposit to 1, I move like 50% of it to 2 at a crappy bank fx rate to pay my business expenses and then pay myself a dividend for personal expenses. I move the other 50% to 5 and pay the 10$ trade fee and throw it in VOO or Qqq or something of that nature. Then I work out a number with my accountant annually to dividend to myself from corp and throw that into my wealthsimple TFSA to invest. Not including taxes Works out to around 120usd a year in trade fees and then all the money I lose on the bad fx. I'm trying to think how to improve this going forward. Should I try to incorporate wise for better fx into this somehow? Should I open the Wealth simple usd Tfsa which is 10$ a month Should I open other business investing accounts? For those of you who are self directed, get paid in usd, invest in both corp and personal... how have you maximized your account setup and fx conversion strategy?

silversnake10

Strategy to setup personal and corp investment account to maximize fx conversions and reduce fees

/r/CanadianInvestor/comments/1gp19zv/strategy_to_setup_personal_and_corp_investment/

1gp3fox

I currently hold a company on NASDAQ that I have accumulated capital losses for if I sell. I don't really want to sell this company but I got a bunch of capital gains three years ago and if I don't sell now I would not be able to offset those. Could I sell the stock on the US exchange and then buy it straight back on the Canadian exchange and still get the capital loss?

youngbutgood

Capital Losses for company listed on US and Canadian Exchange

/r/CanadianInvestor/comments/1gp3fox/capital_losses_for_company_listed_on_us_and/

1gp4al8

There's no way it's gonna keep going up for much longer. I'm thinking about withdrawing and wait until it goes back down before I re-buy. Usually when the market does that, it rebalances itself shortly after. I made an investment mistake in the past where it made 800% return on my investment over 1 year and then suddenly it went back down to where it was, making me about even to this day. Didn't withdraw. Don't want to fall for it again. Thoughts?

Krowplex

Since the orange man won, I've made 10,000$. But...

/r/CanadianInvestor/comments/1gp4al8/since_the_orange_man_won_ive_made_10000_but/

1gp93d6

Thinking stocks like Loblaws, Dollarama, or other places people tend to shop more at during the holidays. How is the stock price timed in relation to day to day storefront sales?

Puzzleheaded_Cell428

Do consumer stock prices tend to rise as a result of the holidays?

/r/CanadianInvestor/comments/1gp93d6/do_consumer_stock_prices_tend_to_rise_as_a_result/

1gphjaw

I've been buying VFV lately as my core S&P500 fund. And I'm now looking for a Dividend Growth ETF with monthly dividend payments, so I can get my DRIP started. I was going to start buying SCHD, but If there was a Canadian equivalent, I would consider it.

Wyrdthane

What are your favorite Canadian Dividend Growth ETF's with monthly payouts.

/r/CanadianInvestor/comments/1gphjaw/what_are_your_favorite_canadian_dividend_growth/

1gpi6he

Your daily investment discussion thread. Want more? Join our new [Discord Chat](https://discord.gg/4Q6mzTWz3D)

OPINION_IS_UNPOPULAR

Daily Discussion Thread for November 12, 2024

/r/CanadianInvestor/comments/1gpi6he/daily_discussion_thread_for_november_12_2024/

1gpjp2g

I’ve had about 3k for the last year and the monthly dividends are nice plus there has been an appreciable increase in value so I’m contemplating increasing my stake. But I’m not as knowledgeable as I could be - is there much risk to this “covered call ETF” and what are your thoughts on having this in your portfolio?

ApoplecticAndroid

Thoughts on QQCC

/r/CanadianInvestor/comments/1gpjp2g/thoughts_on_qqcc/

1gpjxck

Hi, I want to exchange 70k usd in a US bank account into CAD in Canadian account to pay down upcoming mortgage renewal. It looks to me like in this situation spread in Norbert Gambit is actually more than the Wise fee but wanted a peer review since it would be great if I can just do Wise as I dont have all the necessary accounts set up to execute the Norberts Gambit. DLR closed today at 14.21 CAD and DLR.U at 10.21 USD. So 70,000 / 10.21*14.21 - $20 in trade commissions gets me 97,404 CAD. The spot rate is 1.395 so this is effectively a 0.25% exchange cost due to trade spread. Wise is quoting 97,446 (6.11 wire fee plus 0.23% fee) so it is cheaper to go with Wise. Would I get even better than 0.23% from Bank or Knightsbridge? Interactive Broker isn’t an option since they will hold funds for 40 business days (not to mention banning me for using as a fx only) and my renewal will come up before that.

couponsftw

Norbert gambit vs. Wise math check

/r/CanadianInvestor/comments/1gpjxck/norbert_gambit_vs_wise_math_check/

1gplvrt

I know I am opening myself up to some ridicule, as I have a product I may not fully understand, so let's get that out of the way right off the hop. I trusted my financial advisor on this one, but the way he explained it is still not quite computing, so thought I would ask the Reddit-verse. Trying to understand my potential returns on an RBC North American MarketSmart GIC. A year ago, I locked in for five years and my guaranteed return was set at 20% with potential up to 35%. I just kind of assumed that GICs always used compounded annual interest with a longer term, but now I am not so sure. I interpreted this as being 4-7% interest annually (dependent on the market response) but I am starting to think this is only a one time interest calculation at maturity? Can anyone help me to understand?

Ghost_Bio

Someone please explain this to me like I am 5...

/r/CanadianInvestor/comments/1gplvrt/someone_please_explain_this_to_me_like_i_am_5/

1gpm2v4

I have most my money in SPY and QQQ. With Trump and his partner Elon in power I have the feeling they are going to tank the USD (benefit their master). Warren Buffet is divesting his money in Apple and holding a lot of cash. Makes me feel like something is going to happen. Where is a safe place to park my money? Is all in BRK-B a horrible idea? I know that’s usually a bad idea but BRK is pretty diverse. I get the feeling Warren has a better idea than me on how to invest my money. What are your thoughts? I feel like the market is going to be very irrational for a while.

Easy_Firefighter3759

I am loosing confidence in USD and US companies. Where should I invest?

/r/CanadianInvestor/comments/1gpm2v4/i_am_loosing_confidence_in_usd_and_us_companies/

1gpoom1

as of 8:15AM PST and I read on r/Scotiabank that the online banking platform is down too. FYI.

solvkroken

Scotia iTrade discount broker is down ...

/r/CanadianInvestor/comments/1gpoom1/scotia_itrade_discount_broker_is_down/

1gpplni

I'm 29 and have had a winding financial journey over the last decade, with some ups and downs in my career and savings. I graduated college in 2016, worked in the travel industry as a self-employed professional until 2020, and ended up saving around $50-70k by the end of 2019. But then, as we all know, the travel industry collapsed in 2020. So, I decided to go back to school to study computer science and made ends meet with occasional grants, internships, and some COVID relief money. In 2021, I had roughly $110k, and while I didn’t have much experience with investments, I dabbled a bit. I put $20k into dividend stocks, which returned about 5% but pulled out around the 2022 downturn, netting just $1k. I also put $50k in meme stocks and options, losing around $15k. The rest of my money stayed in a high-interest savings account. Fortunately, my small pre-COVID crypto investment grew over time, and by mid-2024, I was able to sell a good chunk of it. I tried my luck with $65k in NVDA LEAPs in June 2024, watched it drop to $30k by August, and thankfully, it’s now recovered. I’m currently sitting on around $115k in cash and assets but looking back, I have regrets. If I had put my money in SPY or VOO back in 2017, I would have seen around 50% returns and likely crossed the $100k mark much sooner. And if I had reinvested those gains by 2019, I might be sitting on around $200k now. I have $20k in student loans at 0% interest, which I plan to repay slowly over a 10-year period. Throughout my 20s, my parents (who are big on home ownership) have been willing to help me buy a property. Because of this, and since I’ve lived at home for 10 years, I’ve always kept a significant amount of savings on hand for a potential down payment. Plus, living at home has allowed me to save, but I’ve also been mindful of having enough saved up to cover a year of rent if I suddenly had to move out (around $50k). This, combined with working in the travel industry, meant I spent a lot—about $15-25k per year on travel. But I don’t regret that—I’ve traveled to over 50 countries, made great friends, and have amazing memories. Now, I’m looking for a full-time software engineering role after graduating in June, but the job search has been tough. I’ve been looking for a year with no success, which makes me hesitant to invest what I have, given the possibility of more months without a steady income. So, here’s where I’m stuck: How should I move forward with my savings? Part of me feels I should invest, but the “what if I don’t find a job soon” fear has kept me from making what could be smart money choices. Any advice or perspective on how to balance this would be greatly appreciated!

avgvancouverperson

Feeling Comfortable About Investing Long-Term

/r/CanadianInvestor/comments/1gpplni/feeling_comfortable_about_investing_longterm/

1gppprs

hello family, reaching out today because I'm thinking in updating my canadian % allocation in my portfolio and came across TTP etf. I currently have about 10% of ZCN, but I'm about or thinking on switching to TTP because more or less they have the same performance (1 and 5 year period) but TTP have more holdings and lower price, until there everything is good, BUT, I can't find if TTP track Large-Mid and Small cap like ZCN does, can someone help me with this?

Only-Environment7550

TTP vs ZCN

/r/CanadianInvestor/comments/1gppprs/ttp_vs_zcn/

1gpq2sm

I’m not completely familiar with options, but I would like to risk $5,000 that Tesla will drop about to about $300 before the new year. How would I go about placing this on my TD trading app (I do have option trading enabled)

Rinaldi363

Can anyone help me short Tesla?

/r/CanadianInvestor/comments/1gpq2sm/can_anyone_help_me_short_tesla/

1gpr6oc

Looks the with the recent outage , scotia has gone downhill too deep and may not recover. They missed out on literally everything- their usd accounts are a shame, credit cards are worse than any to apply, no offers, mortgage rates are not synced to market, savings accounts offer 0.2% which is a joke and I’m pretty sure almost everyone savvy pulled all the money out. TD is bad on many aspects but I’m seeing them do something about it while scotia doesn’t seem to be interested in their customers

Practical-Battle-502

Post on Scotiabank

/r/CanadianInvestor/comments/1gpr6oc/post_on_scotiabank/

1gpsn5y

Hello, My workplace DCPP allows me to choose my own investments. So far the best options I see are: TDAM US Mkt Index (Reg) - 5 year avg of 16.6%, MER 0.19% TDAM Cdn Equity Index Fnd - 5 year avg of 11.3%, MER 0.19% TDAM Intl Equity Index Fnd - 5 year avg of 7.5%, MER 0.26% I am currently 50% US, 25% CAD and 25% ITL. I am considering selling my CDN/ITL and doing 100% US Equity moving forward as it tracks the S&P 500 and I have a horizon of 30-35 years. As my workplace DCPP will have 100% US Equity, I am planning on diversifying with XEQT outside of Sunlife (or others you guys recommend!).  Is this a good strategy?

wilkstawilk

Sunlife DCPP Allocation

/r/CanadianInvestor/comments/1gpsn5y/sunlife_dcpp_allocation/

1gpw3oq

I watched a youtube video (https://www.youtube.com/watch?v=7CyHYFEL8LA&t=404s) explaining the FHSA, and he claims you can use your FHSA tax deduction towards a future year. Basically saying that if I'm making 50k/year this year but expecting a jump to 100k next year (and I plan to contribute 8k each year to FHSA), then my 16k tax deduction can be applied entirely to the following year. Meaning that effectively my income would be 50k the current year, but 84k the following year. I can't find anything on the official Canadian website to back this up. Is it true and can anyone find a link if so?

Trevorr2

Is it possible to use FHSA tax deduction in a future year?

/r/CanadianInvestor/comments/1gpw3oq/is_it_possible_to_use_fhsa_tax_deduction_in_a/

1gpxf7a

Hi, I (24f) maxed out my tfsa and hfsa. Wondering if I should contribute to my rrsp or a non registered account. Currently just graduated so I’m making about 90k a year, but I expect my salary to be much higher in a few years based on my line of work. I currently have about an extra 30k usd to spare. Should I just wait until next year to max out my tfsa and fhsa in January or do something with the funds now? Or just use rrsp/ non registered now? Also my job promises to match my rrsp starting next Jan as well. Any advice would be appreciated tysmm! 🙏🏻

Longjumping-Act-3735

TFSA and FHSA maxed out, now what?

/r/CanadianInvestor/comments/1gpxf7a/tfsa_and_fhsa_maxed_out_now_what/

1gpyhs0

If the proposed tarrifs are enacted it could create a lot of volatility in the markets in theory. I usually DCA into xeqt which has a lot of exposure to the U.S. market. Would it be wise to temporarily hold off on buying stocks to see of there are any strong reactions from the new presidency and anything he might put out into the world? I'm not scared off buying, but thinking the timing might be better if I wait a bit and see how the market reacts first

sGvDaemon

Any speculation on the Trump Tarrif situation?

/r/CanadianInvestor/comments/1gpyhs0/any_speculation_on_the_trump_tarrif_situation/

id

This is a sample post content. Just for demonstration purposes!

sampleUser123

Discussion

Sample Post Title: How to Use Hugging Face?

/r/sampleSubreddit/comments/sampleID/sample_post_title_how_to_use_hugging_face/