Datasets:

alvanlii

/

reddit-CanadianInvestor

like 2

1f4jwru

How do you feel about this stock? Stick with American ETFs or do we like to invest back into Canadian companies?

Copdaddy

FST.TO

/r/CanadianInvestor/comments/1f4jwru/fstto/

1f4krfx

Anybody think Wallgreens is eorth keeping an eye on these days? Huge dividend and way below possibly true value?

Responsible_Big_1349

WBA

/r/CanadianInvestor/comments/1f4krfx/wba/

1f4mtxn

Anyone using ftha for tax refund when rrsp maxed.Would only purchase home if something really bad happening next 5 year window.

bighurt88

Ftha for tax refund

/r/CanadianInvestor/comments/1f4mtxn/ftha_for_tax_refund/

1f4rgiz

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OPINION_IS_UNPOPULAR

Daily Discussion Thread for August 30, 2024

/r/CanadianInvestor/comments/1f4rgiz/daily_discussion_thread_for_august_30_2024/

1f4veh9

So I’m trying to understand when and how the dividends work. I bought at the beginning of the month at 50.00 and want to know if I sell at the last day of the month would I get dividends? That way I can rebuy at the beginning of the month at the cheapest price and repeat. That way I profit from the stock increase and dividends. Also does the dividends happen on the last day of the month or on a set day (like the 30th) Thanks

__D__a__n__i__e__l__

Help me understand cash.to

/r/CanadianInvestor/comments/1f4veh9/help_me_understand_cashto/

1f4vzzi

The vast majority of my investments are in XEQT. All registered accounts are maxed out. Earlier this year, I opened a non-registered account to learn about investing by picking and holding individual stocks. I knew (and largely still know) next to nothing. But I'm having fun. Over the past six months, I've been slowly learning about the mistakes I made. Here's an example: On April 1st, I bought 30 shares of **Nutrien** for 74.37. It was somewhat of an arbitrary pick. I liked the dividend. I figured that fertilizer is an evergreen need. Since then, after a more careful study of the company, I realized that my money could be better invested elsewhere. While I still don't think it's an awful pick, it's not ideal. For those who have been investing for a long while: Have you held onto mediocre stocks that you picked when first investing? Or did you sell them to pick better investments after learning more about how to value stocks? (I expect this post will be downvoted to oblivion, but that's fine. I'm here to learn. Thank you.)

LiarsPorker

Newbie investor mistakes: Better to sell and correct or hold?

/r/CanadianInvestor/comments/1f4vzzi/newbie_investor_mistakes_better_to_sell_and/

1f4xa9f

Am I overlapping too much by owning these all? Better to dump one or two? lol new to this and is heavily weighed to VFV.

Zoostation1979

VFV, TEC, XEQT and QQC

/r/CanadianInvestor/comments/1f4xa9f/vfv_tec_xeqt_and_qqc/

1f4y9tl

Hello all, I got a lot of support from yall on my last post, I appreciate you all! I have an rrsp account and this is what manulife chose for me, thoughts? Im 25, its not a lot of money in there, 6k, but id like to grow it, I don't mind some risk.

unknownmango2

Manulife Idx 2060 5b - 2332

/r/CanadianInvestor/comments/1f4y9tl/manulife_idx_2060_5b_2332/

1f52jm2

Does anyone own this stock or have any opinions on it? Do people generally like to stick to the US market in Canada or does anyone like to invest in our own companies? Just looking for a discussion

Copdaddy

FST

/r/CanadianInvestor/comments/1f52jm2/fst/

1f53es1

As an investor, what are some ways i can invest in this sector? Would it be through some sort of energy ETF? If so, which ones would you guys recomend? I was looking into uranium, but im afraid it may be too specific of a bet and now considering something relating to general energy. Thanks

daxtaslapp

Former google ceoEric Schmidt believes Canada to play important role in the energy requirements for the future of ai

/r/CanadianInvestor/comments/1f53es1/former_google_ceoeric_schmidt_believes_canada_to/

1f54l6a

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

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Weekend Discussion Thread for the Weekend of August 30, 2024

/r/CanadianInvestor/comments/1f54l6a/weekend_discussion_thread_for_the_weekend_of/

1f55w5s

So I've been digging into IPOs. I know they have a lot of potential, but require a ton of research on the company to properly vet it. I used to get offer notifications all the time on Q-Trade but I've since switched to ibkr. When I was looking for a way to get alerts about these things I came across the info that US IPOs are not available to Canadian investors. This tracks with what happened when reddit made their offer. I wasn't eligible because I wasnt a US citizen. Do you know if there are ways around this, or if I'm just stuck buying in at public open prices. Short of investing privately pre-ipo.

Terakahn

Question About IPO As A Canadian

/r/CanadianInvestor/comments/1f55w5s/question_about_ipo_as_a_canadian/

1f56weq

I know the big banks usually charge a maintenace fee of $25 per quarter if your Direct Investing TFSA is under 15k...well at least RBC and TD do......but I am right that BMO does not charge a maintenance fee for TFSAs in InvestorLine? Just looking for someone to confirm this....it seems from the T&Cs that this is correct and from a chat with a rep it seems that's true as well....but I just wanted to see if anyone can double confirm lol Thanks!

jambalogical

Maintenance Fees

/r/CanadianInvestor/comments/1f56weq/maintenance_fees/

1f58elc

reallyneedhelp1212

Telecom Giant BCE Cut to One Notch Above Junk by Moody’s

/r/CanadianInvestor/comments/1f58elc/telecom_giant_bce_cut_to_one_notch_above_junk_by/

1f58zfu

Additional-Rhubarb-8

Couche-Tard seeks pension fund backing for 7-Eleven bid | Financial Post

/r/CanadianInvestor/comments/1f58zfu/couchetard_seeks_pension_fund_backing_for_7eleven/

1f5aipf

I did some trading yesterday to rebalance our portfolio with TD WebBroker. A screen popped up saying they had special offer for 40 or so free trades if you placed your trade on a dollar amount fractional share basis. TD normally charges $9.99 per trade. It was tempting, but decided against it. I am not sure at this point what the implications are of holding fractional ETF shares. I am a bit skeptical. Is it going to make them harder to sell? So what is your experience if you have tried it? I also reconciled some DRIP distributions from ETFs and so far they are still in whole share amounts with the residual in cash.

UniqueRon

Fractional Share Trading - Have you tried it?

/r/CanadianInvestor/comments/1f5aipf/fractional_share_trading_have_you_tried_it/

1f5m03p

Legitimate_Source_43

A September Reminder

/r/CanadianInvestor/comments/1f5m03p/a_september_reminder/

1f5n8x4

Curious if there is a simple way to achieve this. I'd like to invest in some USD stocks with a monthly deposit to an American brokerage account. Once or twice a year I would like to withdrawal the dividend income when shopping inside the United States. Alternatively use the dividends to make payments on a USD denominated visa. Anyone have a suggestion or good experience to share, I'd like to set this up from home in Canada via the internet. Thanks!

TheBiggFuzz

US Investing for Annual Back to School Shopping Trip

/r/CanadianInvestor/comments/1f5n8x4/us_investing_for_annual_back_to_school_shopping/

1f5tb0s

I've been diving into NuBank, and honestly, it's hard not to get excited. They’re one of the biggest digital banks in the world, with massive growth in Brazil and Latin America. They’re revolutionizing banking for millions who were previously underserved. Their stock has shot up over 120% in the last 12 months, and I don’t see them slowing down. With a growing user base and expansion into other financial services, they’re positioned to keep climbing. **Facts:** 2 million new customers per month 85+ million total customers Q2 2023: $1.87 billion revenue Profitable since 2022 Partnership with MercadoLibre Expansion into Mexico and Colombia Launched crypto services in Brazil 5th largest financial institution in Brazil by market cap Focus on AI-driven customer service Anyone else see the potential here? Let’s discuss! 💬

zaneguers

Why I'm bullish on NuBank (NU)

/r/CanadianInvestor/comments/1f5tb0s/why_im_bullish_on_nubank_nu/

1f5tpwb

its_Caffeine

Dividend bros on this sub when you tell them dividends depress stock prices

/r/CanadianInvestor/comments/1f5tpwb/dividend_bros_on_this_sub_when_you_tell_them/

1f5zah8

Hi everyone. I've the opportunity to be moving back to my home country soon. I'm 40 years old canadian/brazilian citizen and been thinking long and hard about this. However I've accumulated a substantial RRSP savings which I obviously don't want to cash out in a way that will be disadvantageous, tax wise. I was wondering what would be the most efficient way to cash out my RRSP? I have no rush cashing out this now or in the near or even long term. I could easily, for example, wait 20+ years to start withdrawing those funds. What are your thoughts? Thanks.

jucadrp

RRSP/RRIF Withdrawal Tax Strategy

/r/CanadianInvestor/comments/1f5zah8/rrsprrif_withdrawal_tax_strategy/

1f64u2j

I've managed my own portfolio my entire life. My work has included working with banks and investment arms of Canadian banks, in IT capacity. I have been retired since COVID, and my 50 yr old savings have managed to stay ahead of my retirement expenses pretty comfortably. The core of my portfolio for the last 12 years is the following, (plus similar stock ETFs) and I expect (and hope) it continues to outstrip both inflation and simple expenses. So far so good. Do your own research. RY; QQQ; BRK.B. As far as I am concerned, these 3 are iron-clad right now. Nothing crazy, in that none of these will lose value entirely. Any dip will be followed by a resurgence. You'll stay ahead, which is an important investing goal. Any one of these is worth a big investment, and LT hold and see.

tomcmackay

Simple Canada + US investing to stay ahead of Inflation, plus some

/r/CanadianInvestor/comments/1f64u2j/simple_canada_us_investing_to_stay_ahead_of/

1f68ewj

Hi Cad Investors, 80% of the stocks on the TSX & venture are mining stocks, wanted to post something that might be helpful. An easy guide to asses if results are positive for drilling PR's. https://preview.redd.it/zgru9ldwb5md1.png?width=452&format=png&auto=webp&s=1f276aebc338f6d0c716a867f8285525951e21ce This is aimed at gold and a simple guideline, there will be nuance, but you can think of any given metal in a similar fashion. I worked in corporate developmement in M&A for a mining company and this is my quick assement when looking at a project

zarconi

How to read natural resources press releases

/r/CanadianInvestor/comments/1f68ewj/how_to_read_natural_resources_press_releases/

1f6awrk

Welcome to this month's Rate My Portfolio megathread. Here, others can chime in on your portfolio with their thoughts, keeping the rest of the subreddit clean, and giving you the ~~confirmation bias~~ sanity check you need! Top level comments should aim to be highly detailed (2-3 paragraphs). Consider including the following: * Financial goals and investment time horizon. * Commentary on the reasoning behind your current and desired allocation. The more information you can provide, the better answers you'll get! Top level comments not including this information may be automatically removed. If your comment was erroneously removed, please [message modmail here](https://old.reddit.com/message/compose/?to=/r/CanadianInvestor). --- Please don't downvote posts you disagree with. If a comment adds to the discussion, it warrants an upvote.

OPINION_IS_UNPOPULAR

Rate My Portfolio Megathread for September 2024

/r/CanadianInvestor/comments/1f6awrk/rate_my_portfolio_megathread_for_september_2024/

1f6f2ln

Hello everyone, Let's say your fav. ticker took a 8% nose dip or maybe just got below its 50 days EMA, anyways, you want to buy it. Where do you get the cash? Are you selling some winners? Do you keep some cash at all time? ... well nothing else I can think of. ATM I have my entire capital invested. Keeping cash "just in case" looks like a waste but this means I cannot take advantage of any opportunities. How do you do it? T.

Tereva_Lostlagon

Where do you get the cash to buy the dip?

/r/CanadianInvestor/comments/1f6f2ln/where_do_you_get_the_cash_to_buy_the_dip/

1f6lepe

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OPINION_IS_UNPOPULAR

Overnight Discussion Thread to Kick Off the Week of September 01, 2024

/r/CanadianInvestor/comments/1f6lepe/overnight_discussion_thread_to_kick_off_the_week/

1f6nksb

sorry that this is a oft repeated question as I have done a search and did some reading but I don't think I found what I was looking for... I'm banking with cibc, self directed investors edge rrsp account, mix of both canadian and american securities. earn 50k a year. thinking about withdrawing and then depositing into my tfsa (not maxed out) (also self directed investors edge account) I know if I withdraw I will have to pay taxes on said money, and it is never advisable to do this but is there any other penalties or things I should be aware of? also, I'd probably leave the american securities in the rrsp and only withdraw the canadian ones, and onlly withdraw enough each year that I don't enter the next tax bracket, I'd minimize the taxes paid right?

sometimesgeg

withdraw from rrsp?

/r/CanadianInvestor/comments/1f6nksb/withdraw_from_rrsp/

1f6qjl5

24, nurse, zero debt. 65k sitting a TD epremium account (1.65% interest) 35k in my TFSA ($500/mo into VFV, $250/mo into XEQT). I make approximately $10k/mo after taxes (I work a lot of OT). Fixed monthly expenses are around $500. I live at home, car is paid off. Not really sure where to go from here. I plan to go back to school for my Masters in about a year but other than that I have no other big expenses.

realize65432

Is there a better way to allocate my money?

/r/CanadianInvestor/comments/1f6qjl5/is_there_a_better_way_to_allocate_my_money/

1f730b7

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Daily Discussion Thread for September 02, 2024

/r/CanadianInvestor/comments/1f730b7/daily_discussion_thread_for_september_02_2024/

1f7498f

--prism

CRA clarifies rules on interest deductibility

/r/CanadianInvestor/comments/1f7498f/cra_clarifies_rules_on_interest_deductibility/

1f7dphh

I've only recently heard about Telus Living. One article I read says it will become a major contributer to Telus income in the years ahead. Basically it's a reit from all the building locations it no longer needs as it switches from copper to fiber. That copper too is worth a lot as Telus sells off hundreds of miles. https://telusliving.com/portfolio/

Oolican

Telus Living

/r/CanadianInvestor/comments/1f7dphh/telus_living/

1f7f8jp

Hi all,  I’ve looked through this subreddit on this question, but would appreciate feedback on my specifics. At 40, I began investing in equities and bonds late in life. I have a house/mortgage, a very small investment property, and about $50,000 in equity in a privately held company. I started my first RRSP a year ago, and have deposited around $9,000 (with a 29% return, what a year in the markets) My income is $115,000/y. I have no pension, though my wife does. This is high for my profession and is unlikely to rise much more than 5%/year, subject to inflation. So, should I be prioritizing my RRSP or a TFSA, or balancing both? I may put one, (or a second account for one) in USD. I understand the withholding tax issues, and have heard good arguments about why that shouldn’t be a dealbreaker for a USD TFSA.

billytorbay

RRSP or TFSA

/r/CanadianInvestor/comments/1f7f8jp/rrsp_or_tfsa/

1f7fy0d

I know I have a lot of overlap. Looking for ideas on how to trimp the overall overlap. Time horizon 30 years

ForeignCabinet2916

Please review my portfolio.

/r/CanadianInvestor/comments/1f7fy0d/please_review_my_portfolio/

1f7g561

I lnow I am in a Canadian sub but recently trying to get more exposure outside US and Canada. China aside, India is the hottest economy in the world right now but despite all its crazy growth the ETFs like XID hardly performs when compared to US or even Canadian ETFs. What am I missing?

ForeignCabinet2916

Why isn't India's growth reflected in its ETFs?

/r/CanadianInvestor/comments/1f7g561/why_isnt_indias_growth_reflected_in_its_etfs/

1f7gid1

lardimi

Taxes in Canada having people get creative..

/r/CanadianInvestor/comments/1f7gid1/taxes_in_canada_having_people_get_creative/

1f7uhgv

I bought a few stocks in my TFSA during covid unfortunately when a few stocks were over valued. Currently down about $3000. I still have hopes they’ll eventually reach that amount but would rather use the $3000 more wisely in my TFSA. 1) if I transferred the stocks to a margin account will I get $3000 in my TFSA contribution room in 2025? 2) does it make sense to transfer those stocks to a margin account and wait until I break even? I’ve already maxed out my TFSA and have no rush to sell the stocks

nitsujoh

Transferring under performing stocks out of TFSA to Margin

/r/CanadianInvestor/comments/1f7uhgv/transferring_under_performing_stocks_out_of_tfsa/

1f7w396

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Daily Discussion Thread for September 03, 2024

/r/CanadianInvestor/comments/1f7w396/daily_discussion_thread_for_september_03_2024/

1f7xnj4

Holding CAD now and planning to buy VOO or VFV long term. Which would be best convert to USD and go with VOO or stay in CAD with VFV. Do I save tax on dividends in a LIRA if I go with VOO. If I go USD then when I retire I would have to convert back to CAD so thinking the fees would be a pain and Norbits Gambit would troublesome. Thanks

Live_Raise8861

VOO or VFV in LIRA(locked RRSP)

/r/CanadianInvestor/comments/1f7xnj4/voo_or_vfv_in_liralocked_rrsp/

1f80366

I have a lot of my net worth in USD stocks and although its unlikely, it occurred to me that if our dollar gained strength and the USD weakened back to 1:1, i would essentially lose like 25% of my value there. Is this crazy thinking? Or just something we have to accept when dealing with USD. Im not too familiar with global economics, is this farfetched and USD is pretty much nailed on indefinitely to be far stronger than CAD? I figured 10 years ago you could get $0.10 less on the dollar, whats to stop it from changing back and we all lose lots of value

UpTheToffees-1878

Does anyone see CAD and USD ever becoming 1:1 again?

/r/CanadianInvestor/comments/1f80366/does_anyone_see_cad_and_usd_ever_becoming_11_again/

1f8a2y0

I have a decent lump some of money sitting in a savings account not making me very much. Looking to invest it into 4 strong etf for dividends gains. Currently invest in HAL,XDV,ZDV and XEI, Any suggestions?

futurefather1X2021

Looking for a long term buy ETF

/r/CanadianInvestor/comments/1f8a2y0/looking_for_a_long_term_buy_etf/

1f8a8xo

27 with 110k to invested in XEQT however I feel I want more exposure and risk with the S&P and NASDAQ. They've both had a solid rate of return since 2013 (XQQ at 21% and VFV at 18%). I hear so many saying just buy XEQT as its more sound and stable but the other ETFs seem to have a solid record.

Yumbo_Mcgilaga

Throwing half my portfolio into XQQ and VFV for long term.

/r/CanadianInvestor/comments/1f8a8xo/throwing_half_my_portfolio_into_xqq_and_vfv_for/

1f8ainh

so looking at stock price it looks like RBC is at a new high and the other banks have been stagnant. why is this ? i thought all the big banks in canada are the same.

cheesebrah

Why is RBC outperforming the other big banks?

/r/CanadianInvestor/comments/1f8ainh/why_is_rbc_outperforming_the_other_big_banks/

1f8b3p5

I have been using Wealthsimple for investing but I wanna try a different app, do you guys have any suggestion on what other apps I should try?

Legitimate-Ad-1923

What app should I use for investing in stock

/r/CanadianInvestor/comments/1f8b3p5/what_app_should_i_use_for_investing_in_stock/

1f8jr41

Hey I’m new to investing, my goal is long term growth (20+ years) I’m putting all of my Wealthsimple scheduled investments in my TFSA What do you guys think? Would you change anything? My goal is to save 12k/year away in investments, should I put some in RRSP or just put it all into TFSA?

benwalz218

24M new to investing! What do you think of my investing plan?

/r/CanadianInvestor/comments/1f8jr41/24m_new_to_investing_what_do_you_think_of_my/

1f8lowp

Servichay

What do you think of BTCC (BITCOIN ETF)?

/r/CanadianInvestor/comments/1f8lowp/what_do_you_think_of_btcc_bitcoin_etf/

1f8nxnd

Planning to invest VBR,VTHR,QQQ and AVDV in a fresh FHSA, looking at 4-5 year timeline. Is it better to stick to Canadian etfs holding those stocks for tax purposes ? Or does it not make a big difference including currency conversion? US market has higher yeild. THANKS

Tinkrwest1

US etfs in FHSA

/r/CanadianInvestor/comments/1f8nxnd/us_etfs_in_fhsa/

1f8pei5

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Daily Discussion Thread for September 04, 2024

/r/CanadianInvestor/comments/1f8pei5/daily_discussion_thread_for_september_04_2024/

1f8tusb

_LogicPrevails

Bank of Canada cuts key interest rate to 4.25% - National | Globalnews.ca

/r/CanadianInvestor/comments/1f8tusb/bank_of_canada_cuts_key_interest_rate_to_425/

1f8uc9l

Pretty simple question. The fees look the same (I know XEQT are less). GEQT seems to outperform since inception. Thinking of regular contributions and the ethical portfolio is more to attractive to the family.

Wightly

Why not GEQT vs VEQT?

/r/CanadianInvestor/comments/1f8uc9l/why_not_geqt_vs_veqt/

1f8z00a

https://ca.finance.yahoo.com/news/air-canada-offers-pilots-30-171134521.html Air Canada’s pilots, represented by a union of more than 5,000 members, have been pushing for significant wage increases due to pay disparities with their U.S. counterparts at airlines like Delta, whose pilots earn up to 45% more. After a federally mandated cooling-off period, Air Canada offered a 30% pay hike, with an initial 20% increase followed by further hikes over the next three years. This offer is aimed at preventing a strike that could begin on September 17, potentially disrupting travel across Canada.

nimageran

Air Canada offers pilots 30% pay hike, Bloomberg News reports

/r/CanadianInvestor/comments/1f8z00a/air_canada_offers_pilots_30_pay_hike_bloomberg/

1f95ewf

_LogicPrevails

ALIMENTATION COUCHE-TARD ANNOUNCES ITS RESULTS FOR ITS FIRST QUARTER OF FISCAL YEAR 2025

/r/CanadianInvestor/comments/1f95ewf/alimentation_couchetard_announces_its_results_for/

1f964oc

Hi all, I already buy the TSX index but they only have 17% energy stocks and I want to weight it a bit higher so was wondering if anyone had any recs for a strictly canadian etf that holds the big canadian energy companies like enbridge etc..

Chizzler_83

Canadian Energy ETF

/r/CanadianInvestor/comments/1f964oc/canadian_energy_etf/

1f9a5ba

BreakGlassforFire

New to investing. How would I do if I plan on to invest in these three for the next ten years or so?

/r/CanadianInvestor/comments/1f9a5ba/new_to_investing_how_would_i_do_if_i_plan_on_to/

1f9h09h

With a brokerage like National Bank Direct Brokerage, which charges no commissions on online stock and ETF transactions, to what extent (if any) are investors'/traders' savings on commissions negated through buy-sell spreads (or some other mechanism)?

AliKazerani

Spreads vs Commissions

/r/CanadianInvestor/comments/1f9h09h/spreads_vs_commissions/

1f9ioa0

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Daily Discussion Thread for September 05, 2024

/r/CanadianInvestor/comments/1f9ioa0/daily_discussion_thread_for_september_05_2024/

1f9kj2q

Whats the best/cheapest strategy for accessing USD funds from an investing account? Any cheap or free US accounts offered by Canadian banks that allow for the transfer of USD from investing accounts?

Segz

Withdrawing USD from Investing Accounts

/r/CanadianInvestor/comments/1f9kj2q/withdrawing_usd_from_investing_accounts/

1f9nnnc

I have been holding ZWC for the past couple months and have received a very good yield so far. The % is much higher than CASH.TO or CBIL. Whats the catch? Edit: Can someone explain to me what covered call means? I do not understand how this stock works, whereas I have knowledge on how CBIL and CASH work. Edit 2: thank you all for the clarifications and info , helps a lot!!

Diligent_Hawk_8212

Whats the catch ?

/r/CanadianInvestor/comments/1f9nnnc/whats_the_catch/

1f9pogg

Hi all, I'm currently mid-30s. My RRSP is worth around 80k and consists of XEF XIC and ZSP with a little higher waiting to the XIC and ZSP. I know I don't hold any bonds. Are there any clear equity markets that I am missing that I should add?

woo2fly21

How does my ETF portfolio look?

/r/CanadianInvestor/comments/1f9pogg/how_does_my_etf_portfolio_look/

1f9pxp6

HISU-U.TO yields 5.23% while CASH.TO yields 4.32%. Why I should get CASH instead of HISU? (in a TFSA)

Betanumerus

CASH.TO v HISU-U.TO

/r/CanadianInvestor/comments/1f9pxp6/cashto_v_hisuuto/

1f9ttr8

I'm new to investing, so I apologize if there's anything I'm misunderstanding. Right now, I'm investing in XEQT because I want an all-in-one, well diversified equities product with low fees. I'm aiming for retirement in 30-35 years. The low fee aspect is why I've chosen XEQT over something like a traditional mutual fund. Let's say 30 years from now, we get an all-equity "super ETF" that is to ETFs now, what mutual funds were to ETFs. Let's imagine this super ETF (let's call it SuperXEQT) is also distributed by BlackRock and has the exact same holdings in the exact same ratios as XEQT, but it has a MER of 0.1 instead of 0.2. It's a mathematically superior product. When I go to cash out of XEQT for my retirement, why would someone buy my XEQT ETFs when they could buy SuperXEQT instead? The only thing I can think of is that I'll have to sell my XEQT at a bigger discount than I would if SuperXEQT didn't exist, which makes me wonder how that would impact my returns in the long run.

LazeloTheVampire

Do I need to worry about a more efficient product replacing ETFs?

/r/CanadianInvestor/comments/1f9ttr8/do_i_need_to_worry_about_a_more_efficient_product/

1f9v118

Resources, anywhere that has knowledge, etc. I’m a 24 year old man. I know basically nothing about investing, but I recently received a lump sum inheritance in my bank account that I don’t want to keep in my savings especially in the future. Are ETFs a good start? TFSA? Should I talk to a financial advisor first? Anything helps!

Mobile_Improvement95

Where to start?

/r/CanadianInvestor/comments/1f9v118/where_to_start/

1fa5k4p

If you've been following the trend in the US, dollar tree and dollar general are both struggling. You think dollarama will suffer the same fate?

ftmech

Dollar stores failing?

/r/CanadianInvestor/comments/1fa5k4p/dollar_stores_failing/

1fabew3

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Daily Discussion Thread for September 06, 2024

/r/CanadianInvestor/comments/1fabew3/daily_discussion_thread_for_september_06_2024/

1facmgz

Synap6

7-11 rejects ATD bid of 38bn$

/r/CanadianInvestor/comments/1facmgz/711_rejects_atd_bid_of_38bn/

1fahdka

Just debating on some rebalancing of my investments and wanted opinions on this. At my current company, the Canada life group rrsp fees are 1.53% for Canadian equity funds and 1.79% for Aggressive continuum funds (I’m young looking for high growth). Even with the higher returns, is this crazy high? Would I be better off shoving it into Wealthsimple and slamming it into an S&P ETF? Let me know what you think!

gfuhhiugaa

How much is too much for fees?

/r/CanadianInvestor/comments/1fahdka/how_much_is_too_much_for_fees/

1fajdos

I've been looking at Canadian companies that run NCIBs and they provide full details via press release -- open dates and maximum daily/annual purchase as dictated by the TSX rules. Many also run an ASPP to buy shares when the company can't because of blackout periods but I can't find a single company that gives details beyond the existence of the plan. I can't find a damn thing about how ASPPs work on the google machine. Does anyone have insight on standard terms? TYVM.

SONOFERGUS

Automatic Share Purchase Plan running with Normal Course Issuer Bid

/r/CanadianInvestor/comments/1fajdos/automatic_share_purchase_plan_running_with_normal/

1fajx4s

I have a tfsa with qtrade that has some dividend etfs and I’m wondering if there’s a way to set it to automatically reinvest the payouts into the etf? Thanks!

THIESN123

Is there a way to automatically reinvest with qtrade?

/r/CanadianInvestor/comments/1fajx4s/is_there_a_way_to_automatically_reinvest_with/

1falers

To put it simple, I have some money from a settlement and I want to put some away and invest some. I have applied for investors edge through CIBC and placed 5000 CAD into a TFSA. What do I do now? I honestly don’t care about the risk, I just want to make money.

FaithlessnessOk6776

New investor, I need help.

/r/CanadianInvestor/comments/1falers/new_investor_i_need_help/

1faognw

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 September 06, 2024

/r/CanadianInvestor/comments/1faognw/weekend_discussion_thread_for_the_weekend_of/

1fb4yuc

Hey! I'm pretty new to this, I googled/used chatgpt but I still need some feedback, I apologize if this is a common question. I'd like to start investing in ETFs for the first time (I'm 28), I plan to not really touch them and leave them for retirement. I don't want to move my TFSA over to wealthsimple because I won't be investing the majority of it right now (need it somewhat accessible for life expenses and student loans), and my current EQ TFSA gives me 3% interest. I was considering an RRSP, but I make under $30-40k. I can't decide if it's silly to invest through a non-registered account or not. Seems like it would be silly to get taxes on the gains, and wouldn't leave much left behind anyways. Any input is appreciated 💖

thevastminority

Wealth simple TFSA or non-registered account?

/r/CanadianInvestor/comments/1fb4yuc/wealth_simple_tfsa_or_nonregistered_account/

1fb5z2p

Hi all, might be a long one. Currently 34, looking for advice on where to start investing remainder of disposable income. Up until this point I have focused largely on paying down properties and have also lost some money investing in risky plays which is why I stopped investing myself. Background: Current house I’m living in I owe ~600k, value ~950,000-1,000,000. Rental house to an excellent tenant who is also a friend. I make zero from them but helping them out, it does however pay a majority of the mortgage. Owe 120,000, value ~600k. RRSP ~ 300k in multiple funds, company contributes $480/month. I participate in a stock program via work, get 15% discount each year and max it out. Dividend yield ~4.1%. Current Value is 75k, each year I put in max contribution of 8000cad. I max out our two children’s RESP. Both vehicles paid for. I have a DB pension via work with a 1.75% payout for each year after the initial 10yrs. Currently have 4yrs vested. Have ~30k in savings Currently have ~$5-6000 in excess per month as I took a new job rotating overseas and received a large increase in pay. My Goal is to be financially independent and can decide to retire after ~ 50-55. WWYD?

StableBeneficial2824

WWYD in my situation

/r/CanadianInvestor/comments/1fb5z2p/wwyd_in_my_situation/

1fbfai6

I have accumulated shares while working at a large Canadian public company over the past 20years, but am debating if i should sell and diversify. I think the shares will go up still, they have pulled back a bunch in the last year.

Same-Road-8880

Employer shares

/r/CanadianInvestor/comments/1fbfai6/employer_shares/

1fbiure

I want to buy a 4 Plex. The seller says they need to collect pst. They have already paid the GST. The place is 60 years old they just remodeled the property. Entirely gutted amd rebuilt. I just want to make sure I'm not being scammed here. I don't understand how they would only need to collect the pst. As well, the build date assigned to the property is 2018, which makes little sense to me since they're just finishing the renovations right now, they should be done in a week or two. As well, they have 2 tenants in the 2 finished units paying them rent. Do any accountants have an idea how this works? Anyone seen this before? Thank you.

2x4arewood

Very confusing tax for property purchase

/r/CanadianInvestor/comments/1fbiure/very_confusing_tax_for_property_purchase/

1fbtzwx

My favourite in order: Price/earnings ratio. Book value per share. Payout Ratio. Profit margin. Operating margin. Everything else i don't really care about that much. How many of you look at debt/equity? Some of my friends think looking for a low p/e just means I'm looking at weak companies nobody wants, but Warren says the stock market short term is a voting machine and long term is a weighing machine.

EuphoricGrowth4338

Hi friends! What's your favourite statistics when researching, in rough order, you like to look at?

/r/CanadianInvestor/comments/1fbtzwx/hi_friends_whats_your_favourite_statistics_when/

1fbwj6t

How do I do an in-kind transfer of my Shopify stocks from my TFSA (Wealthsimple) to my Questrade corporate account?

Shane_moreno

How do I move individual stock from tfsa to corporate non-reg account?

/r/CanadianInvestor/comments/1fbwj6t/how_do_i_move_individual_stock_from_tfsa_to/

1fc4nca

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OPINION_IS_UNPOPULAR

Overnight Discussion Thread to Kick Off the Week of September 08, 2024

/r/CanadianInvestor/comments/1fc4nca/overnight_discussion_thread_to_kick_off_the_week/

1fc8rnx

Hi all, Private equity neophyte here. I have an opportunity to invest in a startup being led by a friend at the pre-seed stage. I was hoping to invest the cash from a small business I co-own (Corporation in Ontario), but the President of the Company indicated I would have to fill out the Accredited Investor Schedule if I were to do so. Otherwise I would invest as an private individual through the friends and family exemption. Obviously I want to do whatever I can for the most favorable tax treatment, but if there's too many hurdles - I'll just go the personal route. Can anyone advise I'm eligible to invest the corporate treasury of the corporation, if its under the NAV threshold? Many thanks!

FUS-RO-DONT

Accredited Investor Status and Startup Investments

/r/CanadianInvestor/comments/1fc8rnx/accredited_investor_status_and_startup_investments/

1fcfbqm

I’m new to investing and am wondering what the rules for stock lending are. Over the past 4 months, my TFSA has made $0.04 in stock lending, which I reinvested in some stocks. Does this reinvestment count towards my contribution limit, or am I free to reinvest any stock lending gains without going over?

Lloyd0717

Reinvesting stock lending for TFSA?

/r/CanadianInvestor/comments/1fcfbqm/reinvesting_stock_lending_for_tfsa/

1fck52j

Several-Republic-609

Same as image

/r/CanadianInvestor/comments/1fck52j/same_as_image/

1fclqtc

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Daily Discussion Thread for September 09, 2024

/r/CanadianInvestor/comments/1fclqtc/daily_discussion_thread_for_september_09_2024/

1fcrg6j

temp3835

How does the Global X PAYS ETF get a yield of almost 7% on government bonds?

/r/CanadianInvestor/comments/1fcrg6j/how_does_the_global_x_pays_etf_get_a_yield_of/

1fcri49

I've been interested in BN for months, but I'm having trouble understanding how to evaluate its performance. Typical ratios don't seem to apply. Any advice would be appreciated. What are some good key metrics?

LiarsPorker

Advice on how to assess alternative asset investors like BN

/r/CanadianInvestor/comments/1fcri49/advice_on_how_to_assess_alternative_asset/

1fcu1cb

I've been creeping this sub for a while now and never see anyone mention Investors Group. I have a most of my retirement savings with them (\~$350k) and have for the past \~6 years. I've been contributing $500 bi-weekly to my RRSP and top up my TFSA every year for that same \~6 years. At the time I didn't know anything about investing and went for the most hands off approach that seemed to make sense. Lately I've taken more of an interest in my person finances and am wondering if I am missing out on any significant gains by leaving my money with IG, or if I may be better off with a self directed ETF strategy? Mostly just looking for others opinions. Thanks in advance.

HighArctic

Investors Group

/r/CanadianInvestor/comments/1fcu1cb/investors_group/

1fcvh7a

It seems that my post from the weekend has been deleted, but I wanted to follow up on a question I had asked regarding transferring a stock from my TFSA in Wealthsimple to my corporate investment account with Questrade. Initially, I received a lot of misguided advice, particularly around the tax implications of such a transfer which I didn't ask about to begin with. After not getting a clear answer, I decided to consult ChatGPT, which provided me with a detailed and explanation on how to go about the process. Some of you expressed doubt about whether it would work and asked me to confirm the information. So, here's my confirmation: I reached out to Wealthsimple first, and unfortunately, their team insisted I would need to sell my securities to complete the transfer. Needless to say, that wasn’t the solution I was looking for. Which is what most of you also thought I would have to do. However, I then spoke with Questrade rep, and they confirmed exactly what ChatGPT had advised. The process is straightforward: I’m moving the stock in-kind from my Wealthsimple to my Questrade. Once that's done, Questrade offers an internal "transfer investment" feature that allows me to move stocks between any of my accounts. This means I can seamlessly transfer the stock in-kind from my Questrade TFSA to my corporate investment account, just as ChatGPT had explained.

Shane_moreno

Confirming: able to transfer stock from TFSA to Corporate account

/r/CanadianInvestor/comments/1fcvh7a/confirming_able_to_transfer_stock_from_tfsa_to/

1fcvuff

Wife and I (hopefully) close to maybe buying a house in this overpriced hellscape of a province in the next 2 years. Wondering which account makes the most sense to be utilizing. I pay pretty high taxes so been using my RRSP in the past but wondering if the FHSA makes more sense?

Pocket76

RRSP or FHSA?

/r/CanadianInvestor/comments/1fcvuff/rrsp_or_fhsa/

1fcwj6g

Investing options. TFSA/FHSA maxed 25M, have maxed out my TFSA/FHSA. Should I invest in Non Registered or RRSP? I make around 70k gross right now, I expect my income to rise in the near future as I am very early in my career. There’s a big chance my retirement income will be in a very high bracket. Knowing that, what’s the best option for me after TFSA and FHSA. RRSP or Non Registered?

guesswho2018

TFSA and FHSA maxed. What now?

/r/CanadianInvestor/comments/1fcwj6g/tfsa_and_fhsa_maxed_what_now/

1fcyga3

Different financial institutions have told me different answers regarding if a TFSA owned by a non PR/Citizen could be used for investing. Does anyone know what is allowed? Thank you

Q_Q_Q_Q_Q_Q_Q_Q_Q

Please help with my TFSA confusion

/r/CanadianInvestor/comments/1fcyga3/please_help_with_my_tfsa_confusion/

1fcyvvl

The CRA frowns when sell a stock at a loss and buy it back within 30 days in a cash account. But can you sell it in your cash account and buy it back in your RRSP within the 30 days? Anyone know?

Dataman6969

CRA 30 day rule

/r/CanadianInvestor/comments/1fcyvvl/cra_30_day_rule/

1fcyxsq

Hi everyone, I’ve been doing some research on low-volatility stocks and noticed a strong correlation between stocks like Waste Connections, Thomson Reuters, Hydro One, Intact Financial, TMX Group, etc., and their consistent valuation growth over time. I’m interested in diving deeper into this topic to understand the dynamics behind it. Does anyone have any recommended readings, studies, or personal insights on why these types of companies tend to see steady increases in valuation? Are there specific factors that tend to drive this growth? Thanks in advance for your thoughts and suggestions!

vlemieux

Looking for Research and Opinions on the Correlation Between Low-Volatility Stocks and Their Long-Term Valuation Growth

/r/CanadianInvestor/comments/1fcyxsq/looking_for_research_and_opinions_on_the/

1fd0eu2

What is the best stock or etf to invest in on wealth simple for RRSP for wealth simple ?

walkingtothebusstop

RRSP for Wealthsimple

/r/CanadianInvestor/comments/1fd0eu2/rrsp_for_wealthsimple/

1fd87ey

IT is not covered by CIPF (insolvency protection) or any similar protections. So, if the issue is not about insolvency but rather a hack of the wallet they're using (e.g., Coinbase) resulting in lost coins, does this mean they won't reimburse you? Also, could Wealthsimple potentially misuse this situation to target individual accounts and falsely claim that those accounts were hacked, thereby stealing the funds themselves?

superhiperwalrus

What happens if Wealthsimple is hacked and loses bitcoins?

/r/CanadianInvestor/comments/1fd87ey/what_happens_if_wealthsimple_is_hacked_and_loses/

1fde65o

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Daily Discussion Thread for September 10, 2024

/r/CanadianInvestor/comments/1fde65o/daily_discussion_thread_for_september_10_2024/

1fdfipf

I've decided to retire and I have $500K of retained earning in my corporation. I now have no active income. The funds are currently earning 5% and highly taxed as this is passive income. I don't need these funds as I make enough from personal investments. What would you do in this situation to maximize the return on that $500K?

pattoch2

What would you do with $500K in a dormant corporation?

/r/CanadianInvestor/comments/1fdfipf/what_would_you_do_with_500k_in_a_dormant/

1fdg614

So in my TFSA and RRSP my gains are at 12 and 15% respectively. I am pondering moving everything to something safer like cash.to for the time being. Ore maybe a large portion? Like 25%/50%/75%? Then just continue my usual contributions and DCA into my same investments. It just feels like the current run has been too good for too long. I wouldn't sell when/if the markets take a dive, and just keep to DCA into the usual investments. But it feels like now could be the right time to make such a move. Are you changing your investments profile to protect yourself? What moves are you making in this regard?

PHGAG

All this talk of recession, is it time to protect my gains? What are you doing?

/r/CanadianInvestor/comments/1fdg614/all_this_talk_of_recession_is_it_time_to_protect/

1fdg6cf

I’m maxed out on my registered account. What’s the best next move for investment?

aur21

Maxed out registered accounts… what now?

/r/CanadianInvestor/comments/1fdg6cf/maxed_out_registered_accounts_what_now/

1fdiwhp

Hello I'm new to investing and have a quick question. QT has a GIC offered by MCAN Mortgage Corp. with a 4.25% yield and just a 30 day term. How's this possible when there are other GIC's with longer terms and lower yields? To me this seems too good to be true but I don't know, I'm still an amateur. So if I put in $8000 on day 1, I would get $8340 on day 30. Assuming the yield stays the same, I could reinvest that in the same GIC for 11 more months with the compound interest and by the end of the 12 months I'd have $13,183? Is my math correct here? Thanks for the assistance

anonymous27725189

Questrade GIC question

/r/CanadianInvestor/comments/1fdiwhp/questrade_gic_question/

1fdkitx

My FHSA, TFSA, and RRSP are maxed out (also in WS), between XEQT and CASH.TO. My income goes to Tangerine where it pays for my monthly expenses. The rest of my savings are in Wealthsimple Cash earning 4.5%. I moved it there from Tangerine after their 5.5% HISA promotion ended, and WS was offering a 1% bonus for new deposits. To keep that 1%, I need to keep this money in WS for a year. I am considering putting about half of it in XEQT (non-registered), and the other half I can't decide if I should keep in Cash at 4.5% or put into CASH.TO to get 5.0%. The downside with CASH.TO is it takes 2-3 days to get the money out if there's an emergency or big purchase. Are there any other downsides or risks that would make it not worth the extra 0.5% over WS Cash? It'll be about $125,000 so that's an extra $625/year interest at 0.5%. Thank you

Working_Bones

Wealthsimple Cash at 4.5%, or non-registered CASH.TO at 5%?

/r/CanadianInvestor/comments/1fdkitx/wealthsimple_cash_at_45_or_nonregistered_cashto/

1fdnmyl

Hope this can be useful to someone! [TradingView FREE (Premium pack)](https://www.reddit.com/r/shummok/comments/1fbubve/tradingview_premium_free_cracked_2024_desktop_pc/) - includes advanced charting tools, real-time data, and multiple indicators to enhance your trading experience. It helped me a lot with technical analysis, custom scripts, and alert systems. **If it helps you too, feel free to give it a like!**

jonathanong

TradingView FREE: This Could Be Useful to Someone

/r/CanadianInvestor/comments/1fdnmyl/tradingview_free_this_could_be_useful_to_someone/

1fdoi4h

HDIV is one of their better performing funds. So far, capital is pretty much preserved over its life and the dividend has grown substantially in a relatively short period. I know covered-call (cc) **income** funds aren't everyone's favorite picnic, but they can suit specific needs. I do own this and plan to own several cc funds moving into retirement. Current yield approx. 12.3% (over 1% per month).

rattice

HDIV — Outperforming S&P/TSX 60 with a Higher Yield (3 Years Later)

/r/CanadianInvestor/comments/1fdoi4h/hdiv_outperforming_sptsx_60_with_a_higher_yield_3/

1fdq11o

Went from my best investment to…. mediocre in a week. Come back to me DOL.

None

Dollarama :(

/r/CanadianInvestor/comments/1fdq11o/dollarama/