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lnvq4mn | I found it very interesting how the SPX reaching its ATH coincided with the day markets got what they were expecting and pricing in for over a year.
Technically speaking it's blue sky from here and markets can fly. The 50 point cut is very positive unless it is interpreted as recession fears. I think the fed is simply getting ahead of rising unemployment and if they timed it right we just might avoid a recession. If this is true the sky is the limit and markets should melt up from here. Keeping fingers crossed. | 5 | IMWTK1 | 2024-09-19T11:31:35 | null | 2 | /r/CanadianInvestor/comments/1fkh59r/daily_discussion_thread_for_september_19_2024/lnvq4mn/ | 1 | t3_1fkh59r | t1_lnvh383 | false | false |
lnvqcds | Ok then well maybe the others are wrong….. | 1 | ronindesk | 2024-09-19T11:33:21 | null | 1 | /r/CanadianInvestor/comments/1fk5aav/no_lrsp_option_at_rbc/lnvqcds/ | 1 | t3_1fk5aav | t1_lnucqk5 | false | false |
lnvqejk | Stronger economy | 0 | Pass3Part0uT | 2024-09-19T11:33:50 | null | -2 | /r/CanadianInvestor/comments/1fk3h26/get_out_of_canada_strategists_turn_defensive/lnvqejk/ | 3 | t3_1fk3h26 | t1_lnuk0hb | false | false |
lnvqi8q | If everything in the future is priced in why does stock prices grow or lose in value?
What is priced in is yesterday’s expectations. | 7 | Engine_Light_On | 2024-09-19T11:34:42 | null | 6 | /r/CanadianInvestor/comments/1fk3h26/get_out_of_canada_strategists_turn_defensive/lnvqi8q/ | 2 | t3_1fk3h26 | t1_lntdwgo | false | false |
lnvqsve | Watching my portfolio playing Arab money | 8 | Legitimate_Source_43 | 2024-09-19T11:37:05 | null | 6 | /r/CanadianInvestor/comments/1fkh59r/daily_discussion_thread_for_september_19_2024/lnvqsve/ | 1 | t3_1fkh59r | t1_lnvh383 | false | false |
lnvr9l3 | The us has a stronger economy? | 2 | thewonderfulpooper | 2024-09-19T11:40:47 | null | 1 | /r/CanadianInvestor/comments/1fk3h26/get_out_of_canada_strategists_turn_defensive/lnvr9l3/ | 4 | t3_1fk3h26 | t1_lnvqejk | false | false |
lnvrceh | Yes, I am trying to find a way to specify something similar to beat/xeqt with portfolios 2 and 3. Since veqt/xeqt are relatively new I tried to create it with older indexes of 40% us equities and 60 with non us equities in option 2 and option 3 is different since it gives us equities 55% and ads some weight to emerging markets as well.
In What appears to be 30 yearhorizon without fixed contributions annually looks like us equities / bonds appears to beat the diversification and overall growth . Even if we do fixed contributions annually the us only seems to give similar result with a lot lower volatility | 1 | fastyorker2 | 2024-09-19T11:41:24 | null | 0 | /r/CanadianInvestor/comments/1fkcmu8/trying_to_understand_backtest_of_asset_allocation/lnvrceh/ | 1 | t3_1fkcmu8 | t1_lnuvju5 | false | false |
lnvrgr2 | The thing our resources only create value as long Federal’s narrative allow. It is as risky as any banana country’s economy. | 4 | Engine_Light_On | 2024-09-19T11:42:23 | null | 3 | /r/CanadianInvestor/comments/1fk3h26/get_out_of_canada_strategists_turn_defensive/lnvrgr2/ | 1 | t3_1fk3h26 | t1_lnudctr | false | false |
lnvt1j4 | Inflation only works if it affects wages as well.
My local pizza went up $4 to 14$. 40% in 2 years.
I got a raise from 26.26 to 32.26. 22% over 4 years.
Now I don't eat the pizza. | 8 | uselessdrain | 2024-09-19T11:54:34 | null | 8 | /r/CanadianInvestor/comments/1fk0353/federal_reserve_cuts_interest_rate_by_50_basis/lnvt1j4/ | 3 | t3_1fk0353 | t1_lntrrou | false | false |
lnvugi7 | You'd still have to make some minimum payments every month. And if you miss paying that, like I did, MBNA will charge a lot of penalty.
That's probably how they make money even after offering this.
So be careful with that! | 2 | x2b3c5z6 | 2024-09-19T12:05:17 | null | 2 | /r/CanadianInvestor/comments/1fja6xl/experiment_using_0_credit_card_offer_to_invest/lnvugi7/ | 0 | t3_1fja6xl | t3_1fja6xl | false | false |
lnvy4ez |
RBC (bank) and RBC direct investing have two different systems. RBC calls it “locked in RRSP” and Direct investing calls it “RLSP”. If you need to invest yourself with your own funds, direct investing.
At direct investing, you may move federally regulated funds to LIRA as well.
Still talk to the bank to verify. | 2 | InvestmentDiscovery | 2024-09-19T12:31:45 | null | 2 | /r/CanadianInvestor/comments/1fk5aav/no_lrsp_option_at_rbc/lnvy4ez/ | 2 | t3_1fk5aav | t1_lnvqcds | false | false |
lnvzf44 | Pretty sure I have never seen Nasdaq futures this high before. Let's hope the market doesn't run out of gas. | 5 | Alph1 | 2024-09-19T12:40:44 | null | 5 | /r/CanadianInvestor/comments/1fkh59r/daily_discussion_thread_for_september_19_2024/lnvzf44/ | 1 | t3_1fkh59r | t1_lnvh383 | false | false |
lnw01om | Who said you should hold cash? | 1 | StoichMixture | 2024-09-19T12:44:58 | null | -1 | /r/CanadianInvestor/comments/1fk22xv/hisa_funds_what_now_with_boc_rates_dropping_like/lnw01om/ | 2 | t3_1fk22xv | t1_lnv455c | false | false |
lnw0hal | Bonds make up your fixed income allocation - equities don’t.
Dividends aren’t free money. | 1 | StoichMixture | 2024-09-19T12:47:51 | null | 0 | /r/CanadianInvestor/comments/1fk22xv/hisa_funds_what_now_with_boc_rates_dropping_like/lnw0hal/ | 4 | t3_1fk22xv | t1_lnukuk3 | false | false |
lnw1vnq | >why does stock prices grow or lose in value?
Because companies either over or underperform expectations. | 5 | StoichMixture | 2024-09-19T12:57:02 | null | 4 | /r/CanadianInvestor/comments/1fk3h26/get_out_of_canada_strategists_turn_defensive/lnw1vnq/ | 3 | t3_1fk3h26 | t1_lnvqi8q | false | false |
lnw2hlx | During early covid there were bounce back days where it was like +5/6% premarket lol | 3 | Bulky-Scheme-9450 | 2024-09-19T13:00:58 | null | 3 | /r/CanadianInvestor/comments/1fkh59r/daily_discussion_thread_for_september_19_2024/lnw2hlx/ | 2 | t3_1fkh59r | t1_lnvzf44 | false | false |
lnw2m0p | >What am I missing here ?
A longer timeframe.
Having said that, past performance ≠ future returns. | 4 | StoichMixture | 2024-09-19T13:01:46 | null | 4 | /r/CanadianInvestor/comments/1fkcmu8/trying_to_understand_backtest_of_asset_allocation/lnw2m0p/ | 0 | t3_1fkcmu8 | t3_1fkcmu8 | false | false |
lnw2ofy | Don't let the door hit you on the way out. This idiots leadership has made TD the mess it is today. | 65 | None | 2024-09-19T13:02:13 | null | 62 | /r/CanadianInvestor/comments/1fkjxsi/td_bank_group_president_and_ceo_bharat_masrani_to/lnw2ofy/ | 0 | t3_1fkjxsi | t3_1fkjxsi | false | false |
lnw2v5x | We knew it was coming. | 56 | PJonathan24 | 2024-09-19T13:03:26 | null | 52 | /r/CanadianInvestor/comments/1fkjxsi/td_bank_group_president_and_ceo_bharat_masrani_to/lnw2v5x/ | 0 | t3_1fkjxsi | t3_1fkjxsi | false | false |
lnw3k6m | We need to bring value back to the TD stock. | 49 | ornamental_stripe | 2024-09-19T13:07:55 | null | 45 | /r/CanadianInvestor/comments/1fkjxsi/td_bank_group_president_and_ceo_bharat_masrani_to/lnw3k6m/ | 0 | t3_1fkjxsi | t3_1fkjxsi | false | false |
lnw3xf4 | >What are your thoughts on a (semi) retirement portfolio of 50/50 in XEI and XBB which should yield around 4% annually for a conservative, income focused investment approach, and what would you do differently in my situation.
Dividends aren’t free money. Diversify.
How do you plan to actually reach 1m? | 1 | StoichMixture | 2024-09-19T13:10:14 | null | 1 | /r/CanadianInvestor/comments/1fke1y3/xei_and_xbb/lnw3xf4/ | 0 | t3_1fke1y3 | t3_1fke1y3 | false | false |
lnw4gl5 | My cousin's entire portfolio is a 1994 Ford Explorer.
1994 > 1 | 2 | m_Pony | 2024-09-19T13:13:36 | null | 2 | /r/CanadianInvestor/comments/1fk3h26/get_out_of_canada_strategists_turn_defensive/lnw4gl5/ | 3 | t3_1fk3h26 | t1_lnu8dzt | false | false |
lnw4mc2 | Will be watching TD stock this am. I hope it's positive. | 7 | makeitfunky1 | 2024-09-19T13:14:35 | null | 6 | /r/CanadianInvestor/comments/1fkjxsi/td_bank_group_president_and_ceo_bharat_masrani_to/lnw4mc2/ | 0 | t3_1fkjxsi | t3_1fkjxsi | false | false |
lnw4y5n | Wow finally | 19 | None | 2024-09-19T13:16:37 | null | 18 | /r/CanadianInvestor/comments/1fkjxsi/td_bank_group_president_and_ceo_bharat_masrani_to/lnw4y5n/ | 0 | t3_1fkjxsi | t3_1fkjxsi | false | false |
lnw532f | Yeah, but some accounts such as RESP are managed only. | 1 | Ventorro | 2024-09-19T13:17:29 | null | 1 | /r/CanadianInvestor/comments/1fjr578/wealthsimple_discloses_that_its_profitable_as_it/lnw532f/ | 2 | t3_1fjr578 | t1_lnuntm5 | false | false |
lnw5bs4 | What's the new CEO's history | 3 | West_Principle_8190 | 2024-09-19T13:18:58 | null | 2 | /r/CanadianInvestor/comments/1fkjxsi/td_bank_group_president_and_ceo_bharat_masrani_to/lnw5bs4/ | 1 | t3_1fkjxsi | t1_lnw4mc2 | false | false |
lnw5h74 | Ray is honestly a great person. I work at the bank and he treats everyone with respect even at ground level.
Hoping for good things | 139 | Bubbly-Trainer-5297 | 2024-09-19T13:19:54 | null | 133 | /r/CanadianInvestor/comments/1fkjxsi/td_bank_group_president_and_ceo_bharat_masrani_to/lnw5h74/ | 0 | t3_1fkjxsi | t3_1fkjxsi | false | false |
lnw5zc4 | Self managed RESPs are in beta and coming for everyone soon | 1 | darwinlovestrees | 2024-09-19T13:23:01 | null | 0 | /r/CanadianInvestor/comments/1fjr578/wealthsimple_discloses_that_its_profitable_as_it/lnw5zc4/ | 3 | t3_1fjr578 | t1_lnw532f | false | false |
lnw6mmo | i think they suckle at the teat of governments | 1 | New-Low-5769 | 2024-09-19T13:27:00 | null | 0 | /r/CanadianInvestor/comments/1fjx9m5/multibillion_fund_involving_brookfield_ottawa_and/lnw6mmo/ | 1 | t3_1fjx9m5 | t1_lnrb7y9 | false | false |
lnw71bi | i've heard this criticism often, but don't know the exact things he's done. what are examples of things that he cause? (other than the money laundering issue and failure of US expansion?) | 18 | feb914 | 2024-09-19T13:29:29 | null | 17 | /r/CanadianInvestor/comments/1fkjxsi/td_bank_group_president_and_ceo_bharat_masrani_to/lnw71bi/ | 1 | t3_1fkjxsi | t1_lnw2ofy | false | false |
lnw7bra | Rate cuts + NWH.UN = Imma retire early. | -3 | LongHealth | 2024-09-19T13:31:15 | null | -8 | /r/CanadianInvestor/comments/1fkh59r/daily_discussion_thread_for_september_19_2024/lnw7bra/ | 0 | t3_1fkh59r | t3_1fkh59r | false | false |
lnw81m2 | It's a good move, but holding BN is a better move.
Especially on the back of lowering rates. | 1 | fenwickfox | 2024-09-19T13:35:37 | null | 1 | /r/CanadianInvestor/comments/1fjx9m5/multibillion_fund_involving_brookfield_ottawa_and/lnw81m2/ | 2 | t3_1fjx9m5 | t1_lnruu27 | false | false |
lnw9cfw | Great to hear, hope he does well. | 19 | MoneyRepeat7967 | 2024-09-19T13:43:33 | null | 18 | /r/CanadianInvestor/comments/1fkjxsi/td_bank_group_president_and_ceo_bharat_masrani_to/lnw9cfw/ | 1 | t3_1fkjxsi | t1_lnw5h74 | false | false |
lnw9duc | I used to work at TD for a decade prior to last yr. I've worked under him and Ed Clark.
Since 2013, everything went downhill. Employee experience, career development, benefits erroded, expenses and events scaled back to the extreme, constant leadership changes, new mandates every quarter...clients got new ATMs and branches but staff got the short end of the stick.
That's business, I moved to a better workplace. | 47 | None | 2024-09-19T13:43:47 | null | 45 | /r/CanadianInvestor/comments/1fkjxsi/td_bank_group_president_and_ceo_bharat_masrani_to/lnw9duc/ | 2 | t3_1fkjxsi | t1_lnw71bi | false | false |
lnw9ypq | TD about to hit a 52 week high!!! | 17 | weatheredanomaly | 2024-09-19T13:47:15 | null | 16 | /r/CanadianInvestor/comments/1fkh59r/daily_discussion_thread_for_september_19_2024/lnw9ypq/ | 0 | t3_1fkh59r | t3_1fkh59r | false | false |
lnwapa9 | I'll likely buy back in. BN certainly seems to have some cycles after every peak, dropping about 10% again. But it's a good move to ensure your portfolio remains balanced and within the risk profile that you want. My RRSP had grown to about 5% BAM and 5% BN, and both had made considerable profit and I had bought before the 3:2 split from a few years ago. Time to take profits, re assess, and re allocate. I'm no professional investor, and my original strategy was to have the typical ETF couch potato mix with about 5% allocated to individual stocks. Now I free up some cash to look at other industries I see on the rise, nuclear (supply chain, uranium mining and construction) are all looking good. | 3 | Arbiter51x | 2024-09-19T13:51:41 | null | 3 | /r/CanadianInvestor/comments/1fjx9m5/multibillion_fund_involving_brookfield_ottawa_and/lnwapa9/ | 3 | t3_1fjx9m5 | t1_lnw81m2 | false | false |
lnwd03u | I am hoping that this means they also know a timetable for the penalty announcement since I would assume they want that to be announced under the current CEO to give the new one a fresher start. | 11 | ptwonline | 2024-09-19T14:05:21 | null | 11 | /r/CanadianInvestor/comments/1fkjxsi/td_bank_group_president_and_ceo_bharat_masrani_to/lnwd03u/ | 0 | t3_1fkjxsi | t3_1fkjxsi | false | false |
lnwdevg | There are no bonds in my fixed income allocation. Dividends are honest money paid to owners of the company out of profits. And in Canada we get a tax break over interest income. | 2 | UniqueRon | 2024-09-19T14:07:47 | null | 2 | /r/CanadianInvestor/comments/1fk22xv/hisa_funds_what_now_with_boc_rates_dropping_like/lnwdevg/ | 5 | t3_1fk22xv | t1_lnw0hal | false | false |
lnwdixs | The email links to the following post for more info: [https://www.wealthsimple.com/en-ca/magazine/10-year-anniversary](https://www.wealthsimple.com/en-ca/magazine/10-year-anniversary) | 1 | alienmario | 2024-09-19T14:08:27 | null | 1 | /r/CanadianInvestor/comments/1fjr578/wealthsimple_discloses_that_its_profitable_as_it/lnwdixs/ | 2 | t3_1fjr578 | t1_lnrkneu | false | false |
lnwdqo4 | Ladies and gentlemen. We did it! EQB hit triple digits! | 12 | canadaleaf14 | 2024-09-19T14:09:43 | null | 12 | /r/CanadianInvestor/comments/1fkh59r/daily_discussion_thread_for_september_19_2024/lnwdqo4/ | 0 | t3_1fkh59r | t3_1fkh59r | false | false |
lnwdtrl | Monopoly is probably the better description. | 4 | Dobby068 | 2024-09-19T14:10:13 | null | 2 | /r/CanadianInvestor/comments/1fk3h26/get_out_of_canada_strategists_turn_defensive/lnwdtrl/ | 3 | t3_1fk3h26 | t1_lntqn8c | false | false |
lnwdvyj | Tsxv junior mining companies are the only way to go these days. They are definitely 100% legit and real and are not lying about their resources potential | 12 | Odd-Instruction88 | 2024-09-19T14:10:34 | null | 10 | /r/CanadianInvestor/comments/1fk3h26/get_out_of_canada_strategists_turn_defensive/lnwdvyj/ | 3 | t3_1fk3h26 | t1_lnu8dzt | false | false |
lnwe4df | This is my thesis too, the banks have decent upside potential as rates normalize. | 7 | Odd-Instruction88 | 2024-09-19T14:11:56 | null | 5 | /r/CanadianInvestor/comments/1fk3h26/get_out_of_canada_strategists_turn_defensive/lnwe4df/ | 1 | t3_1fk3h26 | t1_lntq5bp | false | false |
lnweim7 | Nice rally today!
This is obviously due to anticipation of Reitmans earnings to be published tonight :) | 11 | le_bib | 2024-09-19T14:14:15 | null | 11 | /r/CanadianInvestor/comments/1fkh59r/daily_discussion_thread_for_september_19_2024/lnweim7/ | 0 | t3_1fkh59r | t3_1fkh59r | false | false |
lnwf2is | Amateur investor here, does this mean this is a right time to purchase equities such as VEQT as it generally signals upward trends? | 1 | Renegade_R | 2024-09-19T14:17:31 | null | 1 | /r/CanadianInvestor/comments/1fk0353/federal_reserve_cuts_interest_rate_by_50_basis/lnwf2is/ | 0 | t3_1fk0353 | t3_1fk0353 | false | false |
lnwfg6g | So glad I averaged down at 74, my 86 average was making me uncomfortable lol | 9 | Hoof_Hearted12 | 2024-09-19T14:19:44 | null | 9 | /r/CanadianInvestor/comments/1fkh59r/daily_discussion_thread_for_september_19_2024/lnwfg6g/ | 1 | t3_1fkh59r | t1_lnw9ypq | false | false |
lnwfszy | What's your opinion on stocks where there's only 1 analyst who ignores assets and fundamentals only to seemingly sets unrealistic targets for the express purpose of having the stock appear to be constantly under performing? | 1 | AlphaKennyThing | 2024-09-19T14:21:47 | null | -5 | /r/CanadianInvestor/comments/1fk3h26/get_out_of_canada_strategists_turn_defensive/lnwfszy/ | 4 | t3_1fk3h26 | t1_lnw1vnq | false | false |
lnwg1ys | I heard fortis is but I’m not sure | 2 | Cecile_4ever | 2024-09-19T14:23:15 | null | 1 | /r/CanadianInvestor/comments/1fkbdok/norberts_gambit_with_etfs_on_bmo/lnwg1ys/ | 0 | t3_1fkbdok | t3_1fkbdok | false | false |
lnwg233 | This is too much green for me 😬😬😬 | 6 | vsheran | 2024-09-19T14:23:16 | null | 4 | /r/CanadianInvestor/comments/1fkh59r/daily_discussion_thread_for_september_19_2024/lnwg233/ | 0 | t3_1fkh59r | t3_1fkh59r | false | false |
lnwg9dh | > There are no bonds in my fixed income allocation.
And neither should there be equities, regardless of distribution type.
>Dividends are honest money paid to owners of the company out of profits.
Dividends are paid out of earnings (not to be conflated with profits). Dividends directly erode share price - not sure how honesty plays a part.
>And in Canada we get a tax break over interest income.
This isn’t the primary concern when picking an equity/fixed income allocation.
Having said that, dividends are more often than not the lesser preferred to capital gains from a tax planning point of view. | 1 | StoichMixture | 2024-09-19T14:24:26 | null | -1 | /r/CanadianInvestor/comments/1fk22xv/hisa_funds_what_now_with_boc_rates_dropping_like/lnwg9dh/ | 6 | t3_1fk22xv | t1_lnwdevg | false | false |
lnwhavp | Once there is more certainty with the penalty then unless it is very crippling for US growth we should see the price recover pretty well. Well, I guess we'd also have to see if their new AML processes has a big effect on future earnings, which I would doubt.
A quick shorthand way to look at Canadian bank valuation is by the normal dividend amount (since it is so widely held for that and the businesses tend to be pretty consistent) and so if it was at the more normal 4% range the current price would be roughly $100. So it's currently about 15% below around a normal price. Of course there are better metrics to use but with all of the PCL amounts put aside and of course with regulator penalties it's a bit hard right now to figure out what future earnings will be and so all the earnings metrics (like P/B) is a bit wonky. | 7 | ptwonline | 2024-09-19T14:30:24 | null | 6 | /r/CanadianInvestor/comments/1fkjxsi/td_bank_group_president_and_ceo_bharat_masrani_to/lnwhavp/ | 1 | t3_1fkjxsi | t1_lnw3k6m | false | false |
lnwhelo | Big bank stocks already going up and up with the interest rate announcements! | 5 | waitingforgf | 2024-09-19T14:31:00 | null | 5 | /r/CanadianInvestor/comments/1fk3h26/get_out_of_canada_strategists_turn_defensive/lnwhelo/ | 2 | t3_1fk3h26 | t1_lnwe4df | false | false |
lnwhlq6 | Unexpectedly, my accounts hit ATH despite a bunch of holdings still lagging the indexes. I guess is true that you only need *some* holdings to kick ass for everything to be ok. | 3 | Stash201518 | 2024-09-19T14:32:08 | null | 1 | /r/CanadianInvestor/comments/1fkh59r/daily_discussion_thread_for_september_19_2024/lnwhlq6/ | 0 | t3_1fkh59r | t3_1fkh59r | false | false |
lnwhodj | Today and maybe tomorrow should be a "fun" ride. Market reactions after rate announcements tend to look like a teeter-totter. We even saw that yesterday afternoon. | 3 | ptwonline | 2024-09-19T14:32:33 | null | 1 | /r/CanadianInvestor/comments/1fkh59r/daily_discussion_thread_for_september_19_2024/lnwhodj/ | 0 | t3_1fkh59r | t3_1fkh59r | false | false |
lnwhq6k | They are but they are still like up to 30% below their 2021 highs. | 5 | Odd-Instruction88 | 2024-09-19T14:32:52 | null | 3 | /r/CanadianInvestor/comments/1fk3h26/get_out_of_canada_strategists_turn_defensive/lnwhq6k/ | 3 | t3_1fk3h26 | t1_lnwhelo | false | false |
lnwhtmk | No it's due to TSLA being up 5.5% :0) | -1 | IMWTK1 | 2024-09-19T14:33:24 | null | -4 | /r/CanadianInvestor/comments/1fkh59r/daily_discussion_thread_for_september_19_2024/lnwhtmk/ | 1 | t3_1fkh59r | t1_lnweim7 | false | false |
lnwi2y4 | Damn well done. I average down to about $80. Finally seeing some green is a sigh of relief even though I’m in for the long term | 3 | TripleWDot | 2024-09-19T14:34:53 | null | 3 | /r/CanadianInvestor/comments/1fkh59r/daily_discussion_thread_for_september_19_2024/lnwi2y4/ | 2 | t3_1fkh59r | t1_lnwfg6g | false | false |
lnwi412 | If TD cracks 87 it's clear all the way to 94 :o | 4 | zeePlatooN | 2024-09-19T14:35:04 | null | 4 | /r/CanadianInvestor/comments/1fkh59r/daily_discussion_thread_for_september_19_2024/lnwi412/ | 1 | t3_1fkh59r | t1_lnw9ypq | false | false |
lnwi97v | Nice. I am already at around my final max weighting (I don't want it to be over 10% of my dividend yielders and not over 4% of my total portfolio) and so I wasn't buying much more. Just a couple of thousand bucks worth when it was $75. Otherwise I would have been buying aggressively, similarly to how I am buying more aggressively on BMO while it is down. | 2 | ptwonline | 2024-09-19T14:35:54 | null | 2 | /r/CanadianInvestor/comments/1fkh59r/daily_discussion_thread_for_september_19_2024/lnwi97v/ | 2 | t3_1fkh59r | t1_lnwfg6g | false | false |
lnwinwa | This would be ideal. | 3 | BiiiiiTheWay | 2024-09-19T14:38:13 | null | 3 | /r/CanadianInvestor/comments/1fjr578/wealthsimple_discloses_that_its_profitable_as_it/lnwinwa/ | 2 | t3_1fjr578 | t1_lnun865 | false | false |
lnwiqe1 | I'm at 83 ish now, nice average you have there | 2 | Hoof_Hearted12 | 2024-09-19T14:38:37 | null | 2 | /r/CanadianInvestor/comments/1fkh59r/daily_discussion_thread_for_september_19_2024/lnwiqe1/ | 3 | t3_1fkh59r | t1_lnwi2y4 | false | false |
lnwis8x | Why is it a risk? | 2 | BiiiiiTheWay | 2024-09-19T14:38:55 | null | 2 | /r/CanadianInvestor/comments/1fjr578/wealthsimple_discloses_that_its_profitable_as_it/lnwis8x/ | 2 | t3_1fjr578 | t1_lnvdqus | false | false |
lnwiv5d | I totally feel that, I'm way overweight on banks and will be starting a slow rotation out but it's hard when everything keeps ripping | 0 | Hoof_Hearted12 | 2024-09-19T14:39:22 | null | -1 | /r/CanadianInvestor/comments/1fkh59r/daily_discussion_thread_for_september_19_2024/lnwiv5d/ | 3 | t3_1fkh59r | t1_lnwi97v | false | false |
lnwjsdy | FINALLY!! | 4 | rattice | 2024-09-19T14:44:36 | null | 3 | /r/CanadianInvestor/comments/1fkh59r/daily_discussion_thread_for_september_19_2024/lnwjsdy/ | 1 | t3_1fkh59r | t1_lnwdqo4 | false | false |
lnwk391 | Back to $100! | 21 | gnuman | 2024-09-19T14:46:19 | null | 21 | /r/CanadianInvestor/comments/1fkjxsi/td_bank_group_president_and_ceo_bharat_masrani_to/lnwk391/ | 1 | t3_1fkjxsi | t1_lnw3k6m | false | false |
lnwkjvy | EQ bank finally breaks 100 and is holding 👀👀 | 11 | Ballislyfe91 | 2024-09-19T14:48:58 | null | 10 | /r/CanadianInvestor/comments/1fkh59r/daily_discussion_thread_for_september_19_2024/lnwkjvy/ | 0 | t3_1fkh59r | t3_1fkh59r | false | false |
lnwkqrm | Mastercard and Visa are taking a hit today because Walmart annonced it intends to cut off credit cards for its stores. The intention is to set up a network of instant transfers from bank accounts when shopping online and maybe in actual stores. | 3 | Stash201518 | 2024-09-19T14:50:01 | null | -5 | /r/CanadianInvestor/comments/1fkh59r/daily_discussion_thread_for_september_19_2024/lnwkqrm/ | 0 | t3_1fkh59r | t3_1fkh59r | false | false |
lnwkv2a | Hit $400k in investments today! Not really something to tell friends/family, so I'll brag to you guys | 58 | Old_Employer2183 | 2024-09-19T14:50:41 | null | 54 | /r/CanadianInvestor/comments/1fkh59r/daily_discussion_thread_for_september_19_2024/lnwkv2a/ | 0 | t3_1fkh59r | t3_1fkh59r | false | false |
lnwlgb1 | Congradulations Pal. Well done | 18 | jon_cli | 2024-09-19T14:54:00 | null | 18 | /r/CanadianInvestor/comments/1fkh59r/daily_discussion_thread_for_september_19_2024/lnwlgb1/ | 1 | t3_1fkh59r | t1_lnwkv2a | false | false |
lnwllbz | The SPX continues today what it did yesterday except in the right direction this time. Two steps forward one step back. Up 96, down 26, up 37, down 20 all in the first 90 minutes. That's about 170 points so far. | 4 | IMWTK1 | 2024-09-19T14:54:48 | null | 2 | /r/CanadianInvestor/comments/1fkh59r/daily_discussion_thread_for_september_19_2024/lnwllbz/ | 0 | t3_1fkh59r | t3_1fkh59r | false | false |
lnwlyz3 | There is no similarity between XBB and XEI. XBB is a bond fund while XEI is a high dividend equity fund. I used to hold XBB some time ago but got fed up with the poor returns. I have replaced it in my portfolio with XEI which is not a bond fund but is a conservative high dividend fund. XEI has done much better. If you want to see a comparison use this calculator to show the with and without dividend returns of the two funds.
[https://www.canadastockchannel.com/compound-returns-calculator/](https://www.canadastockchannel.com/compound-returns-calculator/)
However be aware that XEI is probably my lowest return ETF over time. It is not going to compete with the likes of ZSP and ZNQ. It is best to take a balanced approach with Canadian equity, Canadian high dividend, US S&P and NADSAQ, as well as international like XEF. | 1 | UniqueRon | 2024-09-19T14:56:55 | null | 1 | /r/CanadianInvestor/comments/1fke1y3/xei_and_xbb/lnwlyz3/ | 0 | t3_1fke1y3 | t3_1fke1y3 | false | false |
lnwmlk0 | Never try to time the market. Just DCA and chill. | 19 | gpa2015 | 2024-09-19T15:00:24 | null | 18 | /r/CanadianInvestor/comments/1fkh59r/daily_discussion_thread_for_september_19_2024/lnwmlk0/ | 0 | t3_1fkh59r | t3_1fkh59r | false | false |
lnwmmjy | Right on - one of the rare times when this sub's darling has done well. Heard about EQB from this board and done quite well in the last year or so - up 83%. Still holding though, no reason to sell. | 8 | Mephisto6090 | 2024-09-19T15:00:34 | null | 7 | /r/CanadianInvestor/comments/1fkh59r/daily_discussion_thread_for_september_19_2024/lnwmmjy/ | 1 | t3_1fkh59r | t1_lnwkjvy | false | false |
lnwn3km | They also just released the beta of their small business account today which is something I’m really curious to see how it develops. Small business feels like a perfect area for them steal customers from the Big 6 | 7 | IceWook | 2024-09-19T15:03:17 | null | 6 | /r/CanadianInvestor/comments/1fkh59r/daily_discussion_thread_for_september_19_2024/lnwn3km/ | 2 | t3_1fkh59r | t1_lnwmmjy | false | false |
lnwo36k | He started at TD in 1992 | 14 | nitetrik | 2024-09-19T15:08:52 | null | 12 | /r/CanadianInvestor/comments/1fkjxsi/td_bank_group_president_and_ceo_bharat_masrani_to/lnwo36k/ | 2 | t3_1fkjxsi | t1_lnw5bs4 | false | false |
lnwozw4 | EQB is a powerhouse compounder - incredible 15+ year run. Thanks to the threads here I became aware of it and I'm in with a healthy position with a high 50's average. I'm curious if it will get rewarded with a higher PE over time. Average PE over 5-10 years is in the 7.xx range. Wonder if it will join the 10+ PE club at some point. Seems to snap back anytime it ventures over 9 on a blended PE. | 7 | Drownedinapuddle | 2024-09-19T15:13:57 | null | 5 | /r/CanadianInvestor/comments/1fkh59r/daily_discussion_thread_for_september_19_2024/lnwozw4/ | 1 | t3_1fkh59r | t1_lnwkjvy | false | false |
lnwp3z1 | Mine would be direct investing but this doesn’t help essentially you are saying one or the other RLSP or LIRA. Whole point is I’ve talked to them at RBC direct investing a few times and they don’t know thus why I’m asking here. | 1 | ronindesk | 2024-09-19T15:14:35 | null | 1 | /r/CanadianInvestor/comments/1fk5aav/no_lrsp_option_at_rbc/lnwp3z1/ | 3 | t3_1fk5aav | t1_lnvy4ez | false | false |
lnwpgkx | Nah, I’m talking about the dozens of articles I read when creating a lit review for my own research. Take a look at the work of Modigliani and Miller.
Also, as we should all know by know, past performance doesn’t predict future performance, and correlation does not equal causation. The article you shared does not dispute the dividend irrelevance theory like you think it does. | 2 | Forward_Brain3647 | 2024-09-19T15:16:32 | null | 2 | /r/CanadianInvestor/comments/1fk22xv/hisa_funds_what_now_with_boc_rates_dropping_like/lnwpgkx/ | 5 | t3_1fk22xv | t1_lnuyeu1 | false | false |
lnwpjbq | It makes more sense to buy out Laurentian and be a legit bank. The feds will do a short regulatory review and let it happen. They can be like Tangerine and Simplii, an online bank with some physical presence. | 1 | cobrachickenwing | 2024-09-19T15:16:58 | null | 1 | /r/CanadianInvestor/comments/1fjr578/wealthsimple_discloses_that_its_profitable_as_it/lnwpjbq/ | 2 | t3_1fjr578 | t1_lnunkqa | false | false |
lnwpoet | Yeah, there's lot of small businesses that would love this. I run some local small non-profits as a volunteer and RBC, our corporate bank f'ing sucks, we get charged fees with no interest. I signed up to get on the waiting list as fast as I could. | 3 | Mephisto6090 | 2024-09-19T15:17:46 | null | 2 | /r/CanadianInvestor/comments/1fkh59r/daily_discussion_thread_for_september_19_2024/lnwpoet/ | 3 | t3_1fkh59r | t1_lnwn3km | false | false |
lnwqdke | There is nothing evil about dividends. Many more mature companies choose to pay out dividends rather than rapidly grow the company. There is nothing wrong with that. Most do some of each. If you want to go all in with growth then pick companies that pay no dividends or perhaps are even losing money. That is not what my objective is for a dividend fund. I want long term stable income from dividends along with preservation of capital. Currently and over the last decade high dividend funds have been a much better investment than bonds.
I don't count my dividend funds are part of my fixed income component of my portfolio. But bonds account for 0% of my fixed income component. I don't want losers in my portfolio and bonds have been losers for way too long. With interest rates going down they should get a little temporary boost, but the longer term with low interest rates is nothing but bad. Plus they lose when rates go up. | 3 | UniqueRon | 2024-09-19T15:21:39 | null | 3 | /r/CanadianInvestor/comments/1fk22xv/hisa_funds_what_now_with_boc_rates_dropping_like/lnwqdke/ | 7 | t3_1fk22xv | t1_lnwg9dh | false | false |
lnwqp06 | Anyone else think the markets has grown too quickly in too short of a time, and a pullback is due? It's times like this when things seem too good to be true.
Also looking at Asia-Pacific markets and wondering WTH both their markets and currencies (e.g. AUD, JPY) are climbing so quickly. | 8 | medtoner | 2024-09-19T15:23:27 | null | 7 | /r/CanadianInvestor/comments/1fkh59r/daily_discussion_thread_for_september_19_2024/lnwqp06/ | 0 | t3_1fkh59r | t3_1fkh59r | false | false |
lnwqtxx | I wonder how that might impact Walmart sales, given how much people value their credit card rewards programs | 4 | ibrake4monsterbooty | 2024-09-19T15:24:13 | null | 3 | /r/CanadianInvestor/comments/1fkh59r/daily_discussion_thread_for_september_19_2024/lnwqtxx/ | 1 | t3_1fkh59r | t1_lnwkqrm | false | false |
lnwrji4 | I think without a doubt, they will receive multiple expansion in the next 18-24 months. They proved in the recent downturn that their business is actually less risky than the big 6 (if you look at their NIM and results - they improved when interest rates were going wonky as opposed to some of the big boys).
Also, post-Concentra, they are much more diversified vs. just an alt. mortgage lender. When you look at their commerical loans, they are really set up given how much building Canada will be going through in the next few years. All of their small moves lately add up - how they expanded to Quebec, how they are rolling out business accounts, and they will start an AIRB conversion in the next few years.
We have easy 15% RoE coming for the foreseeable future - when the uncertainty on the real estate market subsides and starts to heat up again, I think you will see this revalued properly and to potentially trade at least on par at the same valuation levels as the big six, if not at a premium. | 5 | Mephisto6090 | 2024-09-19T15:28:13 | null | 5 | /r/CanadianInvestor/comments/1fkh59r/daily_discussion_thread_for_september_19_2024/lnwrji4/ | 2 | t3_1fkh59r | t1_lnwozw4 | false | false |
lnws47p | Yeah, it is dual listed....but wondering if there is an ETF that is dual listed and no commission fee on Investorline | 2 | jambalogical | 2024-09-19T15:31:24 | null | 1 | /r/CanadianInvestor/comments/1fkbdok/norberts_gambit_with_etfs_on_bmo/lnws47p/ | 1 | t3_1fkbdok | t1_lnwg1ys | false | false |
lnws9eu | The Rock has come back….. | 5 | canadaleaf14 | 2024-09-19T15:32:12 | null | 4 | /r/CanadianInvestor/comments/1fkh59r/daily_discussion_thread_for_september_19_2024/lnws9eu/ | 2 | t3_1fkh59r | t1_lnwjsdy | false | false |
lnwslsu | Given that everyone at walmart only get 1% back max I doubt it changes anything. And asking for instant transfers on a customer base that heavily relies on credit is setting themselves up for disaster.
Make paying for the product the credit companies' problem, not try and collect money themselves. | 2 | cobrachickenwing | 2024-09-19T15:34:07 | null | 0 | /r/CanadianInvestor/comments/1fkh59r/daily_discussion_thread_for_september_19_2024/lnwslsu/ | 2 | t3_1fkh59r | t1_lnwqtxx | false | false |
lnwtsd3 | More like forced to by the board for all the recent fines ans fuckups, saying retiring to save face. | 85 | DevelopmentFuture608 | 2024-09-19T15:40:37 | null | 84 | /r/CanadianInvestor/comments/1fkjxsi/td_bank_group_president_and_ceo_bharat_masrani_to/lnwtsd3/ | 0 | t3_1fkjxsi | t3_1fkjxsi | false | false |
lnwtyfc | It doesn't matter what we think. What matters is what the market is doing. The trend is your friend. In my experience, the market has done some crazy moves where I thought the opposite would happen.
In 2007 markets went up 10%+ after the 50 point cut then proceeded to dump 55% over a year. There is a graph out there you can google what happens after the Fed first rate cut under different scenarios. If there is a recession markets dump if not they rally. So the question is can we avoid a recession which we could get over the next year. | 1 | IMWTK1 | 2024-09-19T15:41:31 | null | -4 | /r/CanadianInvestor/comments/1fkh59r/daily_discussion_thread_for_september_19_2024/lnwtyfc/ | 1 | t3_1fkh59r | t1_lnwqp06 | false | false |
lnwu1ov | For those that track preferreds, FTN/FFN came out with their rates for the year for the preferred share portion of the split shares. FFN-PA will make a minimum annual payment of 7% over the next five years until 2029, and the annual rate set for 2025 is 8.75% (this annual rate moves annually).
These have been quite steady over the years since the payout resets each year - good alternative for a more risky CASH.TO type of investment. | 2 | Mephisto6090 | 2024-09-19T15:42:01 | null | 0 | /r/CanadianInvestor/comments/1fkh59r/daily_discussion_thread_for_september_19_2024/lnwu1ov/ | 0 | t3_1fkh59r | t3_1fkh59r | false | false |
lnwudnd | There is absolutely nothing in the news about this, and I also find it hard to believe. They would lose so many sales from this, and if attempted in-store, would cause lineups & logistical nightmares of epic proportions.
This would be a major headline on media such as CNBC if this was true. Nothing to be seen anywhere. | 8 | medtoner | 2024-09-19T15:43:49 | null | 7 | /r/CanadianInvestor/comments/1fkh59r/daily_discussion_thread_for_september_19_2024/lnwudnd/ | 1 | t3_1fkh59r | t1_lnwkqrm | false | false |
lnwv8n9 | When you guys are done sucking each other off, just remember that's how this sub felt about stocks like AQN, NPI etc.
This bank is literally worth 4b. RBC is 60x bigger than eqb, not sure why anyone would consider this company among the top banks.
These runs typically end with retail holding bags. | 3 | _LogicPrevails | 2024-09-19T15:48:28 | null | 2 | /r/CanadianInvestor/comments/1fkh59r/daily_discussion_thread_for_september_19_2024/lnwv8n9/ | 2 | t3_1fkh59r | t1_lnwozw4 | false | false |
lnww2f2 | https://www.bloomberg.com/news/articles/2024-09-19/walmart-plans-instant-bank-payments-cutting-out-card-networks/ | 1 | Stash201518 | 2024-09-19T15:52:54 | null | -8 | /r/CanadianInvestor/comments/1fkh59r/daily_discussion_thread_for_september_19_2024/lnww2f2/ | 2 | t3_1fkh59r | t1_lnwudnd | false | false |
lnwx0lb | I suspect they’re going to have a wait list that gets full very fast because of exactly what you said. | 2 | IceWook | 2024-09-19T15:57:54 | null | 2 | /r/CanadianInvestor/comments/1fkh59r/daily_discussion_thread_for_september_19_2024/lnwx0lb/ | 4 | t3_1fkh59r | t1_lnwpoet | false | false |
lnwyfbg | Are you saying that these are safer investments than cash.to? Forgive me but how is cash.to a risky investment? | 2 | specialk554 | 2024-09-19T16:05:30 | null | 1 | /r/CanadianInvestor/comments/1fkh59r/daily_discussion_thread_for_september_19_2024/lnwyfbg/ | 1 | t3_1fkh59r | t1_lnwu1ov | false | false |
lnwyt1g | That article says instant bank payments will be an ADDITIONAL option for customers.
Absolutely nowhere does it state they are cutting off customers being able to pay using credit cards. | 13 | medtoner | 2024-09-19T16:07:32 | null | 11 | /r/CanadianInvestor/comments/1fkh59r/daily_discussion_thread_for_september_19_2024/lnwyt1g/ | 3 | t3_1fkh59r | t1_lnww2f2 | false | false |
lnwyxya | Industrial Alliance has been on crack the past 2 months | 2 | RealBigFailure | 2024-09-19T16:08:17 | null | -1 | /r/CanadianInvestor/comments/1fkh59r/daily_discussion_thread_for_september_19_2024/lnwyxya/ | 0 | t3_1fkh59r | t3_1fkh59r | false | false |
lnwzjcq | Reddit econs unable to understand the difference | 2 | Denace86 | 2024-09-19T16:11:29 | null | 2 | /r/CanadianInvestor/comments/1fk0353/federal_reserve_cuts_interest_rate_by_50_basis/lnwzjcq/ | 2 | t3_1fk0353 | t1_lnt802j | false | false |
lnwzw46 | AP-UN going to $30 🚀🚀🚀 | 2 | Saten_level0 | 2024-09-19T16:13:23 | null | 0 | /r/CanadianInvestor/comments/1fkh59r/daily_discussion_thread_for_september_19_2024/lnwzw46/ | 0 | t3_1fkh59r | t3_1fkh59r | false | false |
lnwzyjw | I see, wonder where can I get info on longer timeframe and analysis to do some backtest. This is the longest I could find that's free, wonder if you know of any studies already done that discuss this. | 1 | fastyorker2 | 2024-09-19T16:13:45 | null | 1 | /r/CanadianInvestor/comments/1fkcmu8/trying_to_understand_backtest_of_asset_allocation/lnwzyjw/ | 1 | t3_1fkcmu8 | t1_lnw2m0p | false | false |