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lnz8kla | Any thoughts on Africa Oil Corp? I've had this company on my radar for a while and decided to take a chance on it today. | 1 | None | "2024-09-20T00:40:54" | null | -3 | /r/CanadianInvestor/comments/1fkh59r/daily_discussion_thread_for_september_19_2024/lnz8kla/ | 0 | t3_1fkh59r | t3_1fkh59r | false | false |
lnz98xm | I mean the 30k cash is what most people would consider EF and savings, another 33k in cash.to is kinda crazy imo it’s gonna cost you a lot and if you’re trying to retire young it’s a huge opportunity cost. You can invest it in Xeqt and if some life shattering emergency does happen you can always sell it and withdraw from your tfsa but based on your finances here doesn’t seem like holding 60k cash is necessary for you | 1 | lavendermenace92 | "2024-09-20T00:45:07" | null | 1 | /r/CanadianInvestor/comments/1fku3b5/31m_32f_looking_for_advice_on_our_investment/lnz98xm/ | 6 | t3_1fku3b5 | t1_lnz7qh9 | false | false |
lnz9xpu | So you're looking to time the market. There is good advice here that you ostensibly were looking for in your post, but you don't seem to be interested in considering any of it. Best of luck to you. | 6 | ReachCave | "2024-09-20T00:49:26" | null | 1 | /r/CanadianInvestor/comments/1fku3b5/31m_32f_looking_for_advice_on_our_investment/lnz9xpu/ | 4 | t3_1fku3b5 | t1_lnz7iot | false | false |
lnzbbjk | Reduce to XEQT or VFV. Maybe 5% info Bitcoin for fun.
XEQT - 95%
Bitcoin - 5%
Auto invest. Close app for 25-35 years. | 1 | Glum_Neighborhood358 | "2024-09-20T00:58:02" | null | 0 | /r/CanadianInvestor/comments/1fku3b5/31m_32f_looking_for_advice_on_our_investment/lnzbbjk/ | 0 | t3_1fku3b5 | t3_1fku3b5 | false | false |
lnzbfjz | Only if you're American. Otherwise there are other considerations. | 4 | digital_tuna | "2024-09-20T00:58:44" | null | 1 | /r/CanadianInvestor/comments/1fkx61g/why_hold_veqt_rather_than_vxc_in_a_tfsa/lnzbfjz/ | 2 | t3_1fkx61g | t1_lnz8a3n | false | false |
lnzdwij | You're clueless and it's funny. Take the good advice that is given to you and don't argue with someone who knows better. | 2 | ProvenAxiom81 | "2024-09-20T01:14:14" | null | 2 | /r/CanadianInvestor/comments/1fku3b5/31m_32f_looking_for_advice_on_our_investment/lnzdwij/ | 2 | t3_1fku3b5 | t1_lnyb0xt | false | false |
lnzetxi | >and gets better returns but with greater risk
Just to add the caveat that it only "gets better returns" ***recently***. In the past there'd have been decades and multi-decade periods where VXC/VT would have underperformed VEQT.
The risk is greater, but it's not a compensated risk. An investor should not expect higher returns because they have a higher allocation of US stocks.
VXC, VT, and VEQT all have the same long term expected returns, but VEQT would provide less risk and volatility due to the increased domestic stock allocation. | 4 | digital_tuna | "2024-09-20T01:20:07" | null | 4 | /r/CanadianInvestor/comments/1fkx61g/why_hold_veqt_rather_than_vxc_in_a_tfsa/lnzetxi/ | 1 | t3_1fkx61g | t1_lnz1li8 | false | false |
lnzf5k1 | I'm new here, and I've noticed this re. downvotes for bonds.
(not me. this is my first post here)
Is there a reason for this? I thought this sub would be more open/welcoming | 1 | ComfortableUpset8787 | "2024-09-20T01:22:10" | null | 1 | /r/CanadianInvestor/comments/1fk2cyb/stocks_bonds_funds_not_a_lot_of_discussions_about/lnzf5k1/ | 1 | t3_1fk2cyb | t1_lnsngo9 | false | false |
lnzgk4b | My thoughts are stop fucking buying garbage. This reads like a bot / shill post just trying to get the ticker name out. | 3 | HowsYourSexLifeMarc | "2024-09-20T01:31:02" | null | 3 | /r/CanadianInvestor/comments/1fkh59r/daily_discussion_thread_for_september_19_2024/lnzgk4b/ | 1 | t3_1fkh59r | t1_lnz8kla | false | false |
lnzpxhj | That goes for a LOT of posts around here to be honest. | 1 | ReindeerLegal2400 | "2024-09-20T02:31:55" | null | 1 | /r/CanadianInvestor/comments/1fkh59r/daily_discussion_thread_for_september_19_2024/lnzpxhj/ | 2 | t3_1fkh59r | t1_lnzgk4b | false | false |
lnzr2tw | The BMO list of commission-free ETFs lists about ten dual-currency ETFs
https://www.bmoinvestorline.com/selfDirected/pdfs/no_commission_fee_etfs_en.pdf | 1 | sstackho | "2024-09-20T02:39:36" | null | 1 | /r/CanadianInvestor/comments/1fkbdok/norberts_gambit_with_etfs_on_bmo/lnzr2tw/ | 0 | t3_1fkbdok | t3_1fkbdok | false | false |
lnzs9jl | Howe street bets
(I know it’s not a thing but it’s as far down the bad investing food chain as you can go ) | 1 | Angry_beaver_1867 | "2024-09-20T02:47:44" | null | 1 | /r/CanadianInvestor/comments/1fk3h26/get_out_of_canada_strategists_turn_defensive/lnzs9jl/ | 4 | t3_1fk3h26 | t1_lnujdex | false | false |
lnztd0w | In the US or Canadian side? | 1 | ReverseWeasel | "2024-09-20T02:55:25" | null | 1 | /r/CanadianInvestor/comments/1fkjxsi/td_bank_group_president_and_ceo_bharat_masrani_to/lnztd0w/ | 3 | t3_1fkjxsi | t1_lnw9duc | false | false |
lnzu04z | Last earnings call indicated expected clarity by calendar year end | 1 | michelinman1989 | "2024-09-20T02:59:57" | null | 1 | /r/CanadianInvestor/comments/1fkjxsi/td_bank_group_president_and_ceo_bharat_masrani_to/lnzu04z/ | 1 | t3_1fkjxsi | t1_lnwd03u | false | true |
lnzv5a9 | Yeah, exactly my experience too. I just crossed $400k last week too! | 3 | StayClassynet | "2024-09-20T03:08:13" | null | 3 | /r/CanadianInvestor/comments/1fkh59r/daily_discussion_thread_for_september_19_2024/lnzv5a9/ | 3 | t3_1fkh59r | t1_lnxjj91 | false | true |
lnzvj3d | If only I hadn't sold three months ago! That's life! | 1 | MaxDragonMan | "2024-09-20T03:11:02" | null | 1 | /r/CanadianInvestor/comments/1fkh59r/daily_discussion_thread_for_september_19_2024/lnzvj3d/ | 2 | t3_1fkh59r | t1_lnxhws2 | false | true |
lnzxxf5 | Ya, but those all trade on the TSX and not on a US exchange....in order for NM to work it has to be dual-listed on CAD exchange and US exchange....I don't think what I'm looking for exists but thanks! | 1 | jambalogical | "2024-09-20T03:29:00" | null | 1 | /r/CanadianInvestor/comments/1fkbdok/norberts_gambit_with_etfs_on_bmo/lnzxxf5/ | 1 | t3_1fkbdok | t1_lnzr2tw | false | true |
lnzyv0e | > in order for NM to work it has to be dual-listed on CAD exchange and US exchange...
No, it does not. Currency is what matters, not the stock exchange. | 1 | sstackho | "2024-09-20T03:36:11" | null | 1 | /r/CanadianInvestor/comments/1fkbdok/norberts_gambit_with_etfs_on_bmo/lnzyv0e/ | 2 | t3_1fkbdok | t1_lnzxxf5 | false | true |
lnzz0sf | No, it would not be the same in a TFSA. | 2 | xBubbo | "2024-09-20T03:37:25" | null | 2 | /r/CanadianInvestor/comments/1fl2w3m/15_us_withholding_tax_on_voo/lnzz0sf/ | 0 | t3_1fl2w3m | t3_1fl2w3m | false | true |
lnzzlmu | The tax structure of a TFSA is not recognized by the US, so it's treated as an unregistered account for US tax purposes. | 2 | alter3d | "2024-09-20T03:41:59" | null | 2 | /r/CanadianInvestor/comments/1fl2w3m/15_us_withholding_tax_on_voo/lnzzlmu/ | 0 | t3_1fl2w3m | t3_1fl2w3m | false | true |
lnzzn4u | I hold VOO in my RRSP and VFV in my TFSA because I read somewhere about this | 2 | aur21 | "2024-09-20T03:42:19" | null | 2 | /r/CanadianInvestor/comments/1fl2w3m/15_us_withholding_tax_on_voo/lnzzn4u/ | 0 | t3_1fl2w3m | t3_1fl2w3m | false | true |
lo00gmo | It’s a withholding on the dividend. VOO has a yield around 1.25%. 15% of that is 0.1875% that’s $1.8 per year for every thousand invested.
VOO in a RRSP over the last 10 years averaged 12.94%
VOO in a TFSA over the last 10 years would have averaged 12.79%
That’s how much you should care. | 10 | Bieksalent91 | "2024-09-20T03:48:46" | null | 10 | /r/CanadianInvestor/comments/1fl2w3m/15_us_withholding_tax_on_voo/lo00gmo/ | 0 | t3_1fl2w3m | t3_1fl2w3m | false | true |
lo00itr | 15% tax on dividends only.
You are better off buying VFV in your TFSA, same underlying securities, same withholding tax, but you save by buying in CAD rather than USD. | 1 | Apologetic_Kanadian | "2024-09-20T03:49:16" | null | 1 | /r/CanadianInvestor/comments/1fl2w3m/15_us_withholding_tax_on_voo/lo00itr/ | 0 | t3_1fl2w3m | t3_1fl2w3m | false | true |
lo00kb6 | I would send a copy of the account statement that includes his name and account number to the representative at TD.
Profile > statements and tax > activity statement > account information | 1 | ryan9991 | "2024-09-20T03:49:36" | null | 1 | /r/CanadianInvestor/comments/1fl2gcd/switching_from_ibkr_to_td_question/lo00kb6/ | 0 | t3_1fl2gcd | t3_1fl2gcd | false | true |
lo00ode | VFV/VOO both are subject to 15% withholding tax in tfsa because they are us assets. Note that the tax is on dividends only. The dividends are so little that it doesn't impact much. So I'd recommend investing in VOO without worrying. | 1 | Ghorardim71 | "2024-09-20T03:50:30" | null | 1 | /r/CanadianInvestor/comments/1fl2w3m/15_us_withholding_tax_on_voo/lo00ode/ | 0 | t3_1fl2w3m | t3_1fl2w3m | false | true |
lo01bju | If you can't handle stock market risk, then there is nothing for you other to stay in short term bonds/savings accounts.
There are no above BoC interest rate investments that exist without taking on risk. The only way to eke out a small amount of extra returns with non volatile investments while keeping it liquid is GIC ladders. This will over time eventually lead to all of your GICs being 5 years as over time, the renewals will all be 5 years. | 1 | Godkun007 | "2024-09-20T03:55:37" | null | 1 | /r/CanadianInvestor/comments/1fl332s/non_volatile_investments/lo01bju/ | 0 | t3_1fl332s | t3_1fl332s | false | true |
lo01da2 | 15% of the 1.2% divided is not even close to enough to worry about… just ignore it as far as investment decisions go | 1 | nelly2929 | "2024-09-20T03:56:00" | null | 1 | /r/CanadianInvestor/comments/1fl2w3m/15_us_withholding_tax_on_voo/lo01da2/ | 0 | t3_1fl2w3m | t3_1fl2w3m | false | true |
lo01k8a | Strategies like that work until they don't. This is why they underperform long term. If you feel good doing it, go ahead, just know that eventually it will stop working. | 1 | Godkun007 | "2024-09-20T03:57:34" | null | 1 | /r/CanadianInvestor/comments/1fkh59r/daily_discussion_thread_for_september_19_2024/lo01k8a/ | 2 | t3_1fkh59r | t1_lnxzgyg | false | true |