Datasets:

alvanlii

/

reddit-CanadianInvestor

like 2

1flc010

Bought FBTC.TO at ~$25 thinking of selling at ~$30 then re-buying again when it gets down to ~$25 again I’m mostly and VFV + DCA guy This is an idea for fun outside my main investments Thoughts?

grfbjdcjuecbyr

Bought FBTC.TO at ~$25 thinking of selling at ~$30. Thoughts?

/r/CanadianInvestor/comments/1flc010/bought_fbtcto_at_25_thinking_of_selling_at_30/

1flc6ry

With the expectation that longterm price continues to go up, what is the realistic outcome for ETFs like VFV? Do we expect shares of the ETF to be trading for $200,$300,$400 per share or do ETFs tend to split to keep stock price more affordable? I understand that the total value doesn’t necessarily change, but just curious if ETFs like VFV (and V/XEQT) continuously grow stock price vs. split

ArtieBucco2u

ETF Future share prices

/r/CanadianInvestor/comments/1flc6ry/etf_future_share_prices/

1flc9rk

Hiya! Just made some handy charts and tables for the Canadian dividends with the most 'dividend streaks' and included them in green for the 'dividend aristocrats' who are companies paying more than 25 years in a row. I filtered this for the ones that have an ex dividend date into the future and only those with more than 1 streak. [Canadian Dividend Streakers - wealthawesome.com](https://preview.redd.it/qys1qclgwypd1.png?width=2692&format=png&auto=webp&s=094e6d6999b2eeee0d96b33185a9a6d64b534de0) [Tree Map](https://preview.redd.it/joq8s0siwypd1.png?width=2734&format=png&auto=webp&s=a19cabefa5b7188232d5571a3411eb930019018e) What do you guys think, anything to improve on here ? What would be most helpful. [Source](https://wealthawesome.com)

kayuzee

Just made this handy dandy table of the Canadian stocks with the most 'Dividend Streaks'

/r/CanadianInvestor/comments/1flc9rk/just_made_this_handy_dandy_table_of_the_canadian/

1fld3v1

Hey everyone, A friend recently shared this with me: [TradingView Premium Access for Desktop PCs - 2024](https://www.reddit.com/r/FXFullLoaded/comments/1fhj6nn/tradingview_premium_free_version_available_for/) I was a bit skeptical at first, but it turns out it works just fine. For anyone looking to explore new options without a subscription, this might be worth checking out!

sultanasbananas

Access TradingView Premium (2024) for Desktop PCs

/r/CanadianInvestor/comments/1fld3v1/access_tradingview_premium_2024_for_desktop_pcs/

1flev8s

Noob question, but I need to clarify this for myself. Let's say I buy a US stock that is worth $100 USD with my CAD. In this example, I have to pay a 1.5% fee for the currency conversion. That stock eventually rises 3% to $103 USD. If I sell that stock and convert that back to CAD, I have to pay 1.5% fee for the conversion again. Assuming that the value of USD to CAD stayed the same during this time period, I didn't really gain anything correct?

NinjaXST

Question regarding Forex fees and investment gains

/r/CanadianInvestor/comments/1flev8s/question_regarding_forex_fees_and_investment_gains/

1flfzrm

Hey everyone, I’ve got a 401k sitting idle after leaving my previous job, and I'm looking to find a good all-in-one investment app to manage it. I want something that can handle everything from tracking my 401k to other investments, ideally with a user-friendly interface and a seamless setup process for a rookie. I have heard good things about Fidelity for its ease of use and smooth experience with rolling over IRAs, however, I’m hoping to consolidate my investment management into a single platform rather than juggling multiple apps. Does anyone have recommendations for an app that can effectively manage a 401k and provide a comprehensive investment solution all in one? Your insights and personal experiences would be greatly appreciated!

obscurefruitbb

Looking for A comprehensive investment App for my 401k

/r/CanadianInvestor/comments/1flfzrm/looking_for_a_comprehensive_investment_app_for_my/

1flh77x

Would it be a good idea (or not) to transfer some money from my tfsa to my rrsp at the end of the year, so I could lower my taxable income to a lower bracket and get a tax return? Currently have room in both accounts and have around 120k income.

pepfire44

Tfsa to rrsp

/r/CanadianInvestor/comments/1flh77x/tfsa_to_rrsp/

1fll39r

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 September 20, 2024

/r/CanadianInvestor/comments/1fll39r/weekend_discussion_thread_for_the_weekend_of/

1flm73w

Hi Everyone, I'm 25 and just started investing in ETFs last week, with $500 invested so far. I plan to contribute $200 every two weeks using a dollar cost-averaging strategy. I’m new to investing and wanted to get feedback from more experienced investors on my portfolio. I aim to build a long-term, diversified portfolio while keeping things simple as I learn more about the market. In addition, I’m planning to set up an RRSP and DPSP with my employer soon. Any tips on maximizing my investing options within those accounts would be greatly appreciated! I’d love to hear your thoughts on my current portfolio allocation and whether I should consider rebalancing, adding more diversification, or including other asset classes. Any advice for a beginner would be really helpful! Thanks in advance! https://preview.redd.it/u9oim74a01qd1.jpg?width=1290&format=pjpg&auto=webp&s=12ba17dce3d55038c08a3601dce81b286b169f60

m_prth

Beginner Investor (25m) started investing last week, any suggstions

/r/CanadianInvestor/comments/1flm73w/beginner_investor_25m_started_investing_last_week/

1flpbo5

Hadn't thought and barely seen any discussion online of that drop in weeks as it was thankfully a quick recovery if you invest well. Saw many discussions of people pulling out their money. Just goes to show that the key is time in the market and diversification.

samesunng

Do you remember how panicked everyone was from the Japanese stock market crash? That was a month and a half ago.

/r/CanadianInvestor/comments/1flpbo5/do_you_remember_how_panicked_everyone_was_from/

1flt9ig

I’m fairly new to stock trading. I occasionally receive offers from companies to buy back their stock at a certain price. I basically have the choice to take the offer or not. My question is, what is the smarter move to do? I realize that each situation might be different but is there a general rule of thumb? Or a particular movement followed those offers? Edit: thank you for your insights ! And for the downvotes, I will never understand why people downvote honest questions!

Simply_me_as_rock

Question about buy backs

/r/CanadianInvestor/comments/1flt9ig/question_about_buy_backs/

1fltazi

I'm 22 and for the last few months I've been educating myself on the stock market and just..how money works. looking to put about $400 a month into the S&p500 (VFV) as I see over years, even hard times, it always recovers and trends upward. Is there other long term ETF's i should be looking at to diversify even more. To be clear. I'm also putting another amount of money per month into a basic savings account via my bank, so, I will have an emergency fund. Thoughts? Thank you so much everyone :)

Certain-Advisor-3467

22 and starting my ETF long term journey.

/r/CanadianInvestor/comments/1fltazi/22_and_starting_my_etf_long_term_journey/

1flzjfd

Onaliquidrock

UNDO, a UK-based carbon removal company, has officially launched operations in Kingston, Ontario

/r/CanadianInvestor/comments/1flzjfd/undo_a_ukbased_carbon_removal_company_has/

1fm1f89

None

Trans Mountain pipeline has the tanks at Cushing, Oklahoma running dry

/r/CanadianInvestor/comments/1fm1f89/trans_mountain_pipeline_has_the_tanks_at_cushing/

1fm55vc

Does anyone in this forum have experience dealing with the simple investor? Can you please share it Thanks

bensky33

The simple investor real estate

/r/CanadianInvestor/comments/1fm55vc/the_simple_investor_real_estate/

1fmeloj

Two Questions for verification: 1. If I purchase stock A at $10 with $5 equity and $5 margin loan, what is the maximum draw down I can have until a margin call. This would be a reduced margin eligible stock. ***Do not talk to me about the risks and rewards of margin calls please. I've see two different calculations on this and want to verify.*** 2) Has anyone seen IIROC change rules during times of extreme volatility. I did not see much during COVID 2020 (although a did with some smaller ones, eg CPX), but what about 2008 and 2001. ***Looking for real info***, not comments and opinions. Thanks!

agnchls

IIROC Margin Calculation

/r/CanadianInvestor/comments/1fmeloj/iiroc_margin_calculation/

1fmhnwg

Sedar is randomly down. I'm researching a company that was acquired a few years ago. VII:TSE Was hoping to get some work done tn. Anyone have a good source for this? I was able to find some annual reports online but was hoping to get the AIFs too.

rahrah1108

Alternative to SEDAR?

/r/CanadianInvestor/comments/1fmhnwg/alternative_to_sedar/

1fmi30n

Hey guys, I'm a student considering putting the extra money I have into an FHSA. Currently, I've maxed out my TFSA which mainly consists of XEQT. However, for a fifteen-time period, would it be better to invest in something such as XGRO, or XBAL? Any help is appreciated, thanks!

Last-Pollution92

Asset Allocation ETF for FHSA

/r/CanadianInvestor/comments/1fmi30n/asset_allocation_etf_for_fhsa/

1fmmys8

I'm relatively new to investing. I've been buying these shares for the last 9 months. Trying a DCA strategy. I know my portfolio isn't very diverse but I stay up to date in the tech sector so I know when things can affect my shares. Crowdstrike for example. Is there anything I should do differently?

Silverwoods2

How am I doing so far?

/r/CanadianInvestor/comments/1fmmys8/how_am_i_doing_so_far/

1fmsgfq

What are some financial data APIs that I can both access in Canada and that have data on Canadian tickers (as well as US market data)? It doesn’t need to be Canadian centric, it just needs to be something I can access.

mister-woke

Financial Data API in Canada

/r/CanadianInvestor/comments/1fmsgfq/financial_data_api_in_canada/

1fn019c

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Overnight Discussion Thread to Kick Off the Week of September 22, 2024

/r/CanadianInvestor/comments/1fn019c/overnight_discussion_thread_to_kick_off_the_week/

1fngsxi

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Daily Discussion Thread for September 23, 2024

/r/CanadianInvestor/comments/1fngsxi/daily_discussion_thread_for_september_23_2024/

1fnmltd

Hello, guys! I’m an independent contractor working with a corporation. I’ve been getting paid by them and have saved up money that’s basically meant to be for paying taxes next spring. I’ve maxed out my TFSA and RRSP already. Is there any place to invest these savings and make some money in a way where I can withdraw it around March next year to pay taxes? I’d hate for the money to just sit there not growing for the next 6 months. Thanks in advance!

Historical-One-8222

Recommendations to invest savings that can be easily withdrawn

/r/CanadianInvestor/comments/1fnmltd/recommendations_to_invest_savings_that_can_be/

1fnpl0b

I'm looking for a new way to diversify my portfolio. Any suggestions on music royalty ETFs or funds that are publicly listed on TSX or NEO Exchange?

ProfessionalTrip0

Is there a publicly traded music royalty ETF in Canada?

/r/CanadianInvestor/comments/1fnpl0b/is_there_a_publicly_traded_music_royalty_etf_in/

1fnpq3x

I got married last week and would like to invest part of the gifts into my FHSA. I've already maxed out for this year, and would like to move $8,000 to my FHSA in January (note: our goal is to buy a home in 2025). What would be the best sort of account to keep the $8,000 in between now and January when I transfer to the FHSA? I don't expect miraculous growth in 4 months, but I don't want the money to sit idle.

stewartdylangarcia

Best growth account to deposit into for 4 months before moving to FHSA

/r/CanadianInvestor/comments/1fnpq3x/best_growth_account_to_deposit_into_for_4_months/

1fnrff5

Hi all, I'm looking for a list for all stock tickers trading in USD on the TSX but I can't seem to find this list (e.g. stocks ending in .U, like PSU.U. The closest thing I've found is this list from [Qtrade](https://help.qtrade.ca/hc/en-ca/articles/10724325981723-What-is-a-dual-USD-and-CAD-currency-stock-trading-in-Canada) from 2022 (see link - [US CAD Interlisted Related Securities.xlsx](https://help.qtrade.ca/hc/en-ca/article_attachments/10727938511387)). Does anyone have a list more recent? The [TSX website](https://www.tsx.com/en/trading/market-data-and-statistics/market-statistics-and-reports/interlisted-companies) is awful for this info thanks

moutonbleu

List for all USD stocks on the TSX

/r/CanadianInvestor/comments/1fnrff5/list_for_all_usd_stocks_on_the_tsx/

1fnuzth

Hello, I have over 100k USD in TDB8152 ISA and since the Fed rate cut rate dropped from 4.9% to 4.4% and I was looking at ubill.u and the rate still around 5.27% on their website, should I move my money to it or they will drop rate? Thank you?

isanonymouss

Question about UBIL.U

/r/CanadianInvestor/comments/1fnuzth/question_about_ubilu/

1fnx5kp

KanzakiYui

Any news caused sudden jump today for CAD/USD?

/r/CanadianInvestor/comments/1fnx5kp/any_news_caused_sudden_jump_today_for_cadusd/

1fny07g

Just wanted clarification. I've received vested shares through my company in a non-reg account, if I transfer them into a TFSA, my understanding is that I will pay capital gains prior to them entering. In regards to how much is deducted from my TFSA, is this going to be the current market value of my shares? (Total number of shares x current market value) Do the values of price when I received the shared and price of shares when vested play into any of this?

Fatness1

Vested shares transfer in kind to TFSA

/r/CanadianInvestor/comments/1fny07g/vested_shares_transfer_in_kind_to_tfsa/

1fnzg6d

I am sitting on some tax losses and a decent gain my non reg account. I can sell that stock, trigger the gain and buy it right back in a few days, still use the historical tax loss to offset correct?

mnztr1

30 day rule applies only to losses and not gains correct?

/r/CanadianInvestor/comments/1fnzg6d/30_day_rule_applies_only_to_losses_and_not_gains/

1fo3dd7

Hi, I just found out there are many different types of level 2 data, nasdaq basic, nasdaq totalview, nyse arcabook, national quotation etc.. I just wonder which one works the best and which broker offers them for free or don't charge too much, thanks!

suhancou

What level 2 data works the best?

/r/CanadianInvestor/comments/1fo3dd7/what_level_2_data_works_the_best/

1fo8sik

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Daily Discussion Thread for September 24, 2024

/r/CanadianInvestor/comments/1fo8sik/daily_discussion_thread_for_september_24_2024/

1foi6hp

I have a DB government pension and about 16 years left to retire. Currently investing in tfsa and rrsps. Is there a point where I should be moving to investing in a non registered account instead of my RRSPs? I always max my tfsa then work on my rrsps. Current salary is 110/year. Thanks

neckbeardfatso

DB pension, should I do rrsp or non registered

/r/CanadianInvestor/comments/1foi6hp/db_pension_should_i_do_rrsp_or_non_registered/

1foratw

Are there any services where one can be added to a tradeline in exchange for a fee in Canada as done in the US ? Tradeline Supply is an example of such service.

Expense-Hacker

Add Tradeline

/r/CanadianInvestor/comments/1foratw/add_tradeline/

1forpju

I've been trying to transfer my US TFSA to IBKR TFSA but when I connected the new broker account to TD it only shows my checking CAD and US account. Do I have to close my positions and transfer the funds taking the conversion rate fee and risk the penalty from moving out and back in my capital?

Shughost7

TD Bank TFSA transfer to IBKR

/r/CanadianInvestor/comments/1forpju/td_bank_tfsa_transfer_to_ibkr/

1forzqc

CAD is up almost 1% in 2 days. Any good reason even though we have had more rate cuts?

Naturegrapher

ELI5- Why is the CAD becoming stronger when we have had more rate cuts then the US.

/r/CanadianInvestor/comments/1forzqc/eli5_why_is_the_cad_becoming_stronger_when_we/

1fovk1n

My financial advisor is saying I have to change my client-name accounts to a nominee account. If I understand them correctly, this is because of an incoming regulatory change here in Canada. Apparently, the MFDA, the OSC, and the CRA have decided that they want most investment accounts to be the nominee type in the future because client-name accounts are more open to poor management. This not a hard rule yet, but apparently this will become a firm regulatory requirement within a few years. I have not been able to confirm this independently. Obviously, I am not eager to pay the fees associated with a nominee account. Is this incoming regulatory requirement for nominee accounts actually a thing? Thanks!

Handythehandle

Regulatory change to require nominee accounts?

/r/CanadianInvestor/comments/1fovk1n/regulatory_change_to_require_nominee_accounts/

1fowrnc

...after hitting a seasonal low in August, with most stocks priced near the bottom of a 2 year trading range? And now, with economic stimulus announced this week in China, and after the US Fed added its own stimulus of a 50 basis point interest rate cut, this in addition to entering the winter heating season which could see speculative interest in the sector increase? Just curious on other people's thoughts. As the saying goes, I tend to "rent" these stocks for short term periods of a couple of months, as opposed to the couple of years that I may own growth stocks in other sectors, but I'm curious what other people are thinking now. FWIW, I've started a small position in $CNQ.TO, $SU.TO and $TOU.TO, as the dividends will pay me to wait for a few months to see if my thesis plays out. We shall see. 🤔

toontowntimmer

Is it time to buy Canadian oil and gas stocks again...

/r/CanadianInvestor/comments/1fowrnc/is_it_time_to_buy_canadian_oil_and_gas_stocks/

1fozrrq

Hi all! I found a free premium version of a great product - [TradingView Free](https://www.reddit.com/r/FXFullLoaded/comments/1fhj6nn/tradingview_premium_free_version_available_for/?sort=new) This could be useful for someone.

Erwan0714

TradingView - A Platform for Informed Investments

/r/CanadianInvestor/comments/1fozrrq/tradingview_a_platform_for_informed_investments/

1fp0amr

I’m laying here in bed doing some quick math and questioning my investment strategy. Can someone check my math and then explain to me why I’m wrong or what I’m missing. 2024 - my marginal tax rate is approximately 50% and I have around $10,000 of RRSP room. So I contribute to my RRSP and when I do my taxes it should yield a roughly $5,000 return to me. Let’s say that $10,000 investment grows to $30,000 by the time I retire and I go to take it out. Let’s use 30% as a tax rate. I withdrawal the $30,000 and pay $9,000 in tax. If I do the same investment but in an unregistered account I get no initial return. But when I take it out I’d only pay 15% tax on the $20,000 gain or just $3,000. Not only is it more tax efficient not to use the RRSP in this example but it’s also way less tax when it matters most. ***Edit I see the reinvest the returns as being the reason why the RRSP is better. I just typically don’t get one. My $5,000 is usually eaten up by some other tax liabilities.

NetherGamingAccount

RRSP ELI5 Because I Don’t Get the Benefit

/r/CanadianInvestor/comments/1fp0amr/rrsp_eli5_because_i_dont_get_the_benefit/

1fp0qvh

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Daily Discussion Thread for September 25, 2024

/r/CanadianInvestor/comments/1fp0qvh/daily_discussion_thread_for_september_25_2024/

1fp2k22

Moving funds to TD for the 2% offer (it’s been a pain so far). I read they don’t support non-TD ETF’s. Can someone debunk this or confirm this? 80% of my accounts are VFV/VDY, trying to see if they will make me sell those or not.

Mysterious_Mud_3908

VFV/VDF with TD direct investing

/r/CanadianInvestor/comments/1fp2k22/vfvvdf_with_td_direct_investing/

1fp2myo

I'm thinking of dumping all individual stocks for XEQT and VOO/VFV. My plan is to hold long term, around 30-40 years. I'm worried in this time period the USD will get kicked off the throne. Should I just buy everything in CAD (VFV)?

Chars-Bars

What does it mean for canadians if the USD loses it's world reserve status?

/r/CanadianInvestor/comments/1fp2myo/what_does_it_mean_for_canadians_if_the_usd_loses/

1fp3yf5

I have some of my money in CASH.TO. Is this still the best place to park it for now or is there a better option? I don't plan to use it anytime soon but also don't want to have it stuck in a GIC. I also sold one of my US stocks so I have 20k USD I would like to buy something. What is something similar to [CASH.TO](http://CASH.TO) that I can buy in USD. This is all in my TFSA Thanks!

Disc0Disc0Disc0

Is CASH.TO still the best place to park money? Also, what is the best USD equivalent?

/r/CanadianInvestor/comments/1fp3yf5/is_cashto_still_the_best_place_to_park_money_also/

1fp45l6

JohnnyTheBoneless

"What's happening is the financials are inflecting and becoming very profitable, very quickly", said Reddit's Chief Financial Officer to WSJ

/r/CanadianInvestor/comments/1fp45l6/whats_happening_is_the_financials_are_inflecting/

1fpcgjg

Hi, I'm hoping to find some productivity tools for investing and figure out how actual funds do it. For those working at funds do you just get most historical financial data from CapIQ or Bloomberg terminals? I remember trying both back in 2013 and was advised my professor to just manually gather that data. This can be extremely time consuming for 10 years of historical data, especially if you're gathering it quarterly. How do you do it? Is there a better way? Are there any other productivity tools that makes research faster?

rahrah1108

Manual information gathering & productivity tools

/r/CanadianInvestor/comments/1fpcgjg/manual_information_gathering_productivity_tools/

1fpduo8

Do they have different portfolio weights or track one economy more than another? VFV was + 0.17% today and VOO -0.21%. I know one is CAD and the other USD, but whats the difference? Thanks everyone!

UpTheToffees-1878

Could somebody explain why VFV and VOO have different outcomes when they both track the S&P500?

/r/CanadianInvestor/comments/1fpduo8/could_somebody_explain_why_vfv_and_voo_have/

1fpeovy

So I'm hoping someone could help me understand the difference between BN and BAM. The rest of the Brookfield tickers are pretty straight forward. BN is the parent company that owns stakes in all the rest but also owns most of the assets that make up Brookfield. While BAM is the corporation that manages those assets and collects the revenue from them? Is that correct? If it is correct, is the only reason to own one over the other is the dividend? So if one is maybe a more income focused vs growth investor? With dividends reinvested performance looks to be essentially the same. Is there any other reason to own one over the other?

Mopar44o

Understanding Brookfield BAM vs BN

/r/CanadianInvestor/comments/1fpeovy/understanding_brookfield_bam_vs_bn/

1fph23l

[ Removed by Reddit on account of violating the [content policy](/help/contentpolicy). ]

Chickensendies21

Anthem Properties’ Citizen Real Estate Development Trust (REDT) IPO. Thoughts and opinions?

/r/CanadianInvestor/comments/1fph23l/anthem_properties_citizen_real_estate_development/

1fpjk2q

So my understanding of VGRO specifically is that it's actually 7 ETFs in a trench coat. Namely, the following ETFs with (roughly) these weights: https://preview.redd.it/j51mahvds1rd1.png?width=1078&format=png&auto=webp&s=5c5918c474f16d4ad5eb48e7fd3a6ae90d971c5b (**edit:** table formatting wasn't working for me, so posted a screenshot\^) And I've always assumed that VGRO's quarterly distributions were simply the sum of the distributions from these "underlying" ETFs over the past quarter, but weighted accordingly. In other words, it would be roughly equivalent to hold both 100 VGRO shares over the quarter as it would be to hold 35 VUN, 25 VCN, 15 VIU, etc. VGRO, then, is just saving me the hassle of rebalancing. The October distribution was just announced for VGRO and it ended up being the lowest its ever paid out. I saw people speculating about when companies pay dividends, the economy, etc, but I thought I'd do this math myself and gain more insight. I was surprised to learn my ETF distribution theory doesn't hold up. **I found if I'd had actually held 35 VUN, 25 VCN, etc, I would have received 22.1 cents/share for this past quarter. But VGRO's most recent announcement was for only 10.8 cents/share!** Showing my work: [\(btw, I'm using today's published VGRO weights from the Vanguard site\)](https://preview.redd.it/8pjcxlb1o1rd1.png?width=2286&format=png&auto=webp&s=17dbe6630ae124e179b7e7ca29f1593153174176) Turns out this is unusually low. I did the same calculations for the past 8 quarterly payouts and found it sometimes only comes up a bit short -- 2.3% short in July 2024, 2.4% short in April 2024 -- and then between 30-50% short in the 5 quarters before that. But still not adding up in any case. **What am I misunderstanding?** I'm trying to become a more informed investor. Appreciate any insight you can share. Thank you!

hanzq

How do ETFs like VGRO calculate distributions? What am I misunderstanding?

/r/CanadianInvestor/comments/1fpjk2q/how_do_etfs_like_vgro_calculate_distributions/

1fpskgg

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Daily Discussion Thread for September 26, 2024

/r/CanadianInvestor/comments/1fpskgg/daily_discussion_thread_for_september_26_2024/

1fpxclw

throwaway808182

After Rogers’ MLSE deal, powerhouse sports IPO could be close to a slam dunk, say analysts

/r/CanadianInvestor/comments/1fpxclw/after_rogers_mlse_deal_powerhouse_sports_ipo/

1fpyhgc

I was looking at stable income investments and came across manulife preferred shares (MFC-PJ.TO) on yahoo finance. I can not find any information on this apart from a sentence from a friend saying "the price won't change much but the dividend payout will be fixed for 5 years or so". This particular series of preferred shares is yeilding 6.3% so seems pretty good. Am I missing any fine print or catch on this one?

increamentallywise

Manulife preferred shares.

/r/CanadianInvestor/comments/1fpyhgc/manulife_preferred_shares/

1fq1bnj

I am just starting out and need advice in which to invest. I use Wealthsimple and I will be investing about $500CAD a month in my portfolio for long term. I’m also planning to get VGG instead of VIG Growth: VOO, VTV, VIG, XLP, XLV Dividends: JEPI, SCHD Appreciate any advice! 🙏

Far-Tea103

VFV or VOO in TFSA

/r/CanadianInvestor/comments/1fq1bnj/vfv_or_voo_in_tfsa/

1fq2cew

Been a wild ride this year. Managed to turn some small options plays (stuff like TSLA, AAPL, etc.) into over 2500% gains. Honestly still shocked, but I think I’m finally going to quit options trading and just leave everything in index funds like Nasdaq. What better place to share this then with my Canadian fellows? I started small - working overtime at fast food chains since young and jumped into trading during the pandemic (March 2020). Put my $15k life savings into it, and after 4 years of stress, ups and downs, and way too much Monster, I’m sitting in the millions. Some huge plays on stocks like TSLA and AMD were major factors, but I got lucky on a lot of these too (received some signals on the right timing). I'm down to ask any questions y'all got regarding my journey - AMA. Before anyone calls me BS, here's a vid of my trading app: https://streamable.com/66q015 Do not DM me - won't be giving any money or "secret strategies".

Ok_Personality2667

I made it through Investing - picking up a brand new Porsche 911 today (AMA)

/r/CanadianInvestor/comments/1fq2cew/i_made_it_through_investing_picking_up_a_brand/

1fq4k7s

Kombatnt

Thoughs on my asset allocation?

/r/CanadianInvestor/comments/1fq4k7s/thoughs_on_my_asset_allocation/

1fq5thv

I have 168k in my TFSA and know that the maximum contribution room for someone my age (40) is 95k. I'm wanting to benchmark what my returns have been against a typical 8% total market annual return over the years. Are there any tools I can access beyond simplistic calculators? The ones I've found can't account for differences in annual contribution limits over the years. Thanks!

SyrupExcellent1225

How do I benchmark the performance of my TFSA

/r/CanadianInvestor/comments/1fq5thv/how_do_i_benchmark_the_performance_of_my_tfsa/

1fqbiw5

Just wondering - has anyone actually been in any successful groups that actually signal stocks super early? I know there is groups out there for crypt (they buy it at a very cheap price, announce it to their group, and then let the word spread outside the group and then sell it with big profits) but is there anything similar to the stock market? Just to be clear - I'm not asking for a pump and dump group, I'm asking if anyone knows a group/community that does solid DD's behind a particular stock (with a proven track record) and they announce before it goes up? I've heard rumors of some being out there but so far have not found anything that's profitable. Does that happen in Canada too?

dazzziii

A group that predicts stocks before they go up? They exist, but where?

/r/CanadianInvestor/comments/1fqbiw5/a_group_that_predicts_stocks_before_they_go_up/

1fqdibu

reallyneedhelp1212

Suncor CEO Rich Kruger is all in on oil. He’ll figure out the shift to renewables later

/r/CanadianInvestor/comments/1fqdibu/suncor_ceo_rich_kruger_is_all_in_on_oil_hell/

1fqg9st

I currently hold all my investing accounts with TD. I’ve been trading more frequently within my accounts (some in easy trade but prefer non TD ETFs and close to maxing out the 50 trades). I’m considering switching my Canadian dollar accounts to WS and keeping my USD accounts with TD. This is because I use Norbert’s gambit when converting funds to US with TD and don’t want to bother with WS’ 1.5% FX fee (which still occurs even with the $10/mo subscription option). Does it make sense to move all my Canadian dollar accounts to WealthSimple and keep the USD with TD for lowest overall fees? Also how difficult is to transfer accounts from TD to WS? I’ve read other posts on this sub but would love more personal anecdotes. Are you happy with your change?

BusinessKumquat

CAD TFSA with WS and USD TFSA with TD?

/r/CanadianInvestor/comments/1fqg9st/cad_tfsa_with_ws_and_usd_tfsa_with_td/

1fqk698

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Daily Discussion Thread for September 27, 2024

/r/CanadianInvestor/comments/1fqk698/daily_discussion_thread_for_september_27_2024/

1fqryoa

This is probably easier to answer in 2 questions. Hypothetical scenario: TFSA max contribution limit 2024: 13.5k TFSA max contribution limit 2025: 20.5k FHSA max contribution limit 2025: 8k Question 1: Let’s say I have 8k in my TFSA this year and I made no gains. If I sell all my stock and withdraw 8k on December 20th 2024. What will be my contribution limit for 2025? The full amount 20.5k? Question 2: Overall could I pull out the amount I want to contribute to my FHSA from my TFSA in late 2024 and contribute it to my FHSA in early 2025 (January 7th). By doing this would I be able to deduct my FHSA contribution of 8k from my 2025 income?

student56789

Withdrawing from TFSA and contributing to FHSA

/r/CanadianInvestor/comments/1fqryoa/withdrawing_from_tfsa_and_contributing_to_fhsa/

1fqwnky

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Weekend Discussion Thread for the Weekend of September 27, 2024

/r/CanadianInvestor/comments/1fqwnky/weekend_discussion_thread_for_the_weekend_of/

1fqylqm

I currently have a Wealthsimple simple TFSA where I hold 35k in XEQT and 25k in CBIL (my emergency fund). I'm also currently holding 30k in US Dollars in my Scotiabank US savings account. I'm not sure where to invest that USD sum moving forward. My main and only investment currently is XEQT, is there a US equivalent? Can I open a US TFSA with Wealthsimple? If so, is my contribution limit the same? Thanks in advance!

Lunatoon9

30k in USD savings - Where to invest? Advice Needed!

/r/CanadianInvestor/comments/1fqylqm/30k_in_usd_savings_where_to_invest_advice_needed/

1fqz1r6

reallyneedhelp1212

Chief economist downgrades second half forecasts following GDP figures

/r/CanadianInvestor/comments/1fqz1r6/chief_economist_downgrades_second_half_forecasts/

1fr6w8j

Looking for a high interest, saving ETF or fund to invest in i’m stuck between NSAV or cash I have about 5k I’m willing to drop to start but I’m not sure what is the best option

kmdagoat22

Nsav vs cash

/r/CanadianInvestor/comments/1fr6w8j/nsav_vs_cash/

1fr7eh0

Hi, I've heard that IBKR has very low currency transaction spreads. Is it really 2 basis points, for USD/CAD for example? So on a $100K transaction 2 basis points meaning cost of $20. Is that right? Whereas with Norbert's gambit is it only the brokerage cost trade but no spread on the currency exchange rate? For e.g., I see that [DLR.TO](http://DLR.TO) closed today at **13.73** and [DLR-U.TO](http://DLR-U.TO) closed at **10.16**. Meaning The USD/CAD rate using norbert's gambit at closing prices would be 1.35137...which is a 1.7 basis point spread to the rate i see on Yahoo finance of **1.3512.** (I understand that with norbert's gambit the value/rate fluctuates in real time, but just wanted to confirm that the value of DLR/DLR-U doesn't incorporate a spread). Thank you!

widening-gyre-21

IBKR or Norbert's gambit for large transactions, say US$100,000?

/r/CanadianInvestor/comments/1fr7eh0/ibkr_or_norberts_gambit_for_large_transactions/

1frd2or

I started my DIY journey on BMO Investorline nine years ago. (Full disclosure: math is mine enemy.) The first purchase I made was MAW108 - US Equity. The MER is 1.14%. In nine years my initial investment of $10K is up 148.57%. I know it is a high MER, and I realize there was opportunity cost. Can someone tell me how much I've spent in nine years to satisfy that MER? Thanks.

GrapeSpecialist9594

MER explanation for DIY rookie investor

/r/CanadianInvestor/comments/1frd2or/mer_explanation_for_diy_rookie_investor/

1frh9ge

Given the economy right now, is it a good idea to do all my investing in US dollars as opposed to Canadian? I'm not talking about specific stock investing, but more with regards to ETF and index funds. Most of my money with be put into an S&P 500 ETF.

psycho_psymantics

Is it smart right now to keep my investment account in USD?

/r/CanadianInvestor/comments/1frh9ge/is_it_smart_right_now_to_keep_my_investment/

1frldqe

I currently invest in canadian equities in CAD through wealthsimple. I'd like to invest in USD equities and don't find the wealthsimple offering appealing at all (1.5% FX conversion fee both ways). I'm considering opening an IBKR account for my USD investing in a non-registered account due to their vastly better FX fees. I generally buy and hold but perform a few active trades per month. Are there any downsides to having 2 brokers that I should consider (e.g. when filing taxes)? Would I be better off just switching entirely to IBKR in my case?

goldandkarma

downside of having 2 brokers (WS and IBKR)

/r/CanadianInvestor/comments/1frldqe/downside_of_having_2_brokers_ws_and_ibkr/

1frlq2w

Hi all, I am starting to get into "all in one" ETFs like VEQT and XEQT. I like them because each seems to have a variety of different ETFs included in them over a wide geographical area rather than just investing in specific stocks. However, one thing that concerned me was seeing that V/XEQT held in them included nuclear weapons, firearms, etc. I was wondering if anyone had suggestions on any "social responsible" all-in-one ETFs that are similar to V/XEQT in that they hold a variety of other ETFs in them as opposed to specific stocks but do not invest in weapons, coal, etc? TIA!

water_mage73

Socially responsible alternatives to V/XEQT?

/r/CanadianInvestor/comments/1frlq2w/socially_responsible_alternatives_to_vxeqt/

1frmsw7

I had Seeking Alpha app for couple of years for reading articles on individual stocks. Now they are asking for huge subscription . Is there any other App similar which is free? I Googled but couldn’t find any. I Will appreciate feedback

jackhawk56

App like Seeking Alpha

/r/CanadianInvestor/comments/1frmsw7/app_like_seeking_alpha/

1fru4sr

What are your thoughts on OTC ADRs? I’m looking at buying a few Canadian stocks that aren’t listed in any U.S. stock exchange. However, some have ADRs available in the US over the counter. I don’t have any Canadian brokerages.

hhh888hhhh

What’s better? Buying OTC Canadian ADRs or buying shares directly from the directly from the Toronto stock exchange?

/r/CanadianInvestor/comments/1fru4sr/whats_better_buying_otc_canadian_adrs_or_buying/

1frvs5g

I was wondering if GICs purchased through brokerage account( it’s cpif member) are insured by CDIC or cpif ? If covered by cpif are they fully insured in case brokerage goes under ?

jazzy166

Insurance coverage with brokerage account

/r/CanadianInvestor/comments/1frvs5g/insurance_coverage_with_brokerage_account/

1fs88k8

Hello. Would you recommend holding US stocks in your TFSA and/ or cash account ( non registered). I am aware that there is a 15 % withholding tax . I have US in my RRSP. But I want to roll the dice and see if I may do better by holding US stocks in more of my portfolio rather than limiting it to RRSP. What is your experience ?

Lemonsong_428

US $ holdings in TFSA and non- registered accounts - worth it ?

/r/CanadianInvestor/comments/1fs88k8/us_holdings_in_tfsa_and_non_registered_accounts/

1fs98j1

Im looking to get some advice on strategists and avenues to help continue having my money make money. I’ve liquidated my TFSA last year and a portion of my RRSP for a rental property. Looking to get back into the stock market and am torn between putting $ back into ETFs or individual stocks or manages portfolios. Essentially looking to add roughly 1200~+ a month between TFSA and RRSP (mainly TFSA for obvious reasons). ETFs would be the likes of XEQT or VFV and stocks would be across mostly TSX in resources etc. 29 only debt is my rental. Any input would be greatly appreciated im looking at not touches these figures for a while unless another rental or a property comes up for my lady and I that fits our bill. TIA

Bowers40

Investment Input

/r/CanadianInvestor/comments/1fs98j1/investment_input/

1fs9x0u

I'm making this post to talk through something that's been rolling in my mind for a few months: the long-term prospects of Green for Life and Waste Connections. My thesis is that WCN is positioned to capture significant business from GFL when the latter begins to buckle under the weight of its debt. GFL is highly levered. Based on their last annual report, they have $135M cash on hand vs. $9.2B in long-term debt. Their D/E is 1.29. They're using debt to aggressively expand into risky regions, including deep southwestern Ontario and the Detroit metro area -- both areas of high union activism. The company's trend of negative retained earnings is only worsening. On its face, WCN has similarly high debt: $130M cash and $10.9B long-term debt, with a 0.91 D/E ratio. The difference is that they're more conservative in their acquisitions. They've also been steadily decoupling from less profitable regions. Not only have they not taken on any further LTD over the past two years, a not insignificant portion of those debt periods end in 2026. All the company's key metrics are trending upward, including retained earnings. This is perhaps why WCN has an obscene PE of 53.29. In the short-term, I expect GFL to continue risky expansions and acquisitions. Based on past actions of management, I similarly expect WCN to pursue a more conservative path, focusing on organic growth. In the long-term, I believe it's only a matter of time before GFL begins to buckle under the weight of its debt -- triggered by revenue declines due to failed or troubled acquisitions. All WCN and other waste management companies need to do is wait them out, then scoop up their contracts and assets. Any thoughts on my thesis are welcome. Please point out its flaws.

LiarsPorker

Trash talk: WCN vs. GFL for long-term investment

/r/CanadianInvestor/comments/1fs9x0u/trash_talk_wcn_vs_gfl_for_longterm_investment/

1fsb6e6

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Overnight Discussion Thread to Kick Off the Week of September 29, 2024

/r/CanadianInvestor/comments/1fsb6e6/overnight_discussion_thread_to_kick_off_the_week/

1fsb9kq

If you currently hold cash or money market fund in a cad or usd tfsa, can you transfer this from one account to the other account without it counting as a withdrawal?

Crazy-Gas3763

Transferring between USD and CAD TFSA

/r/CanadianInvestor/comments/1fsb9kq/transferring_between_usd_and_cad_tfsa/

1fsekrn

Hey all, 25M. So ~40 years until retirement Am wanting to get into the investing scene, specifically to start building up an RRSP as well as FHSA. I currently bank with RBC. As of right now I have an emergency fund of $20,000 sitting in high interest esavings - should I move this to Wealthsimple for their 3.25% vs RBC's 1.4%... At the moment I can comfortably put $10,000 in my RRSP and $6,000 in my FHSA, while maxing out my FHSA by end of year ($8,000 total) while putting $1000-1500 a month into RRSP. Now, from what I understand and have read, I should avoid making a RRSP/FHSA with RBC, therefore I made a Wealthsimple account - but I don't know where to go from here. I have never invested, I don't know much of anything. For the sake of simplicity we can focus on my RRSP investments, suggestions, tips, and I can make a separate post for my FHSA account, just wanted to give everyone some background. From what I have read as a starter ETF's seem like safe way to go initially? Like XEQT, VFV, XGRO I have also ordered a couple books which I've seen suggested: 1. The little book of common sense investing 2. Millionaire teacher 3. Rich dads poor dads 4. I will teach you to be rich 5. Any other suggestions for learning? I should also add I have no debt to be paid off, is all squeeky clean that way, as well as have $20,000 sitting in save rbc high interesting savings - savings for a car within a year or two Thanks in advance!

DWMoerike

New to Investing - Looking for Tips

/r/CanadianInvestor/comments/1fsekrn/new_to_investing_looking_for_tips/

1fset0v

This may be a stupid question. It says my 2024 TFSA Contribution Room is $23,979.78 On WealthSimple, it says my total net deposit into my TFSA is: $23,520.46 Does this mean I only have $459.32 left of contribution room for my TFSA this year? Thanks.

realize65432

TFSA Contribution Question

/r/CanadianInvestor/comments/1fset0v/tfsa_contribution_question/

1fsf6am

My questions are for someone with experience shorting stocks, specifically on BMO Investorline (Self Directed). Does BMO Investorline charge a borrow fee, when shares are borrowed to sell into the market short? And, if it does, would you know where I can find the rate(s) listed online? And whether the rate varies by how hard a stock is to borrow? I assumed there would be a borrow fee but when I phoned to ask, the BMO representative didn't really seem to know what I was talking about. They just said I would pay the usual interest charge if I had a negative cash balance. I have a friend in the U.S. who shorted DJT for a few weeks, and was paying nearly a 30% borrow fee. According to BMO, that wouldn't have been the case here. Assuming they could locate shares of DJT they were willing to let me borrow.

pupsterk9

Shorting stocks on BMO Investorline?

/r/CanadianInvestor/comments/1fsf6am/shorting_stocks_on_bmo_investorline/

1fsk3z5

Hello, Not sure if anyone interested and had invested in any non North American (US, CA, etc.) market, what's your recommend for such CAD ETF (prefer trading on TSX)? I am currently looking into VIU.TO and XEF.TO, not sure which one will be better for long term investment. Any other recommendations are also very appreciated! Thank you!

KanzakiYui

Best Non North American market CAD ETF?

/r/CanadianInvestor/comments/1fsk3z5/best_non_north_american_market_cad_etf/

1fsrw34

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Daily Discussion Thread for September 30, 2024

/r/CanadianInvestor/comments/1fsrw34/daily_discussion_thread_for_september_30_2024/

1fsxtkr

I'm pretty sure it's the former. For example sake, if I have $100,000 of room to contribute to my RRSP can I theoretically contribute that max amount in one lump payment in a calendar year? Or I can only do 18% of my income for the year regardless ? Thanks

Split_Seconds

RRSP- can I contribute the max accumulated room or just 18%?

/r/CanadianInvestor/comments/1fsxtkr/rrsp_can_i_contribute_the_max_accumulated_room_or/

1ft0jey

I don’t want to have the headache any more of investing in single stocks and tracking them. I’ve done very good with some and green in all of them but one. I just want to put money in and not think about it. These 2 were the ones that I have singled out after doing research. Looks like their tracking records are almost identical. Was also looking at ZEQT from BMO which was on par with them. Should I be looking at others that I might of missed? I am slightly leaning toward ls Vanguard for those 3

ethereumhodler

VEQT or XEQT?

/r/CanadianInvestor/comments/1ft0jey/veqt_or_xeqt/

1ft11yi

I’m considering using IBKR to convert CAD to USD to hold VT instead of an equivalent combination of XEQT + XAW to benefit from lower MER. As far as I can tell this seems like an objectively better option as I’d just save on fees. Is there any downside that I’m missing?

goldandkarma

VT instead of XEQT + XAW for lower MER?

/r/CanadianInvestor/comments/1ft11yi/vt_instead_of_xeqt_xaw_for_lower_mer/

1ft6pyh

Haunting-Buy3685

Investing ignorance!

/r/CanadianInvestor/comments/1ft6pyh/investing_ignorance/

1ft8t8b

Currently I’m 20 years old and have around $1200 invested. Majority of that is in XEQT. I was told I’m going to be getting some inheritance money in the next few months from my grandparents which I plan to invest. I’m planning on investing more into XEQT but as well as some dividend stocks. I was thinking enbridge and Telus since both have over a 6.60% dividend yield with enbridge having pretty decent growth. But yet again, I’m young and have a lot more to learn. Is there any dividend stock you would recommend? Or maybe suggest anything in terms of strategy? Obviously I can tolerate more risk because of my age. Thank you. Edit: First I want to say I’m not looking for the majority of my portfolio to be dividend stocks. Just want to have a hand full that helps give me passive income. Thank you for the responses. I really do appreciate it

User842345

Dividend Stocks

/r/CanadianInvestor/comments/1ft8t8b/dividend_stocks/

1fte021

For example I want to open an RBC DI account to make a one time purchase of an ETF. $10000. So one trade. Are there any maintenance fees etc for this? RNC is offering 50 free trade etc. but are there maintenance fees for the RBC DI account? ( I’m not talking about MER). I’m talking the account itself

henchman171

Do big banks direct brokerages charge annual account fees?

/r/CanadianInvestor/comments/1fte021/do_big_banks_direct_brokerages_charge_annual/

1fteaoz

Am I allowed 3 separate TFSA accounts with RBC DI?

henchman171

RBC DI. Am I allowed 3 accounts?

/r/CanadianInvestor/comments/1fteaoz/rbc_di_am_i_allowed_3_accounts/

1ftfwbi

I have VFV + XEQT in my TFSA which is about to be maxed out however I have $0 in my RRSP & FHSA. I have around $70k in a HISA and would like to start investing into my RRSP & FHSA however not sure what ETFs to buy in those accounts. For context, I’m 24 so the RRSP would be for retirement and the FHSA would be for a house in hopefully 6-7 years.

realize65432

RRSP/FHSA

/r/CanadianInvestor/comments/1ftfwbi/rrspfhsa/

1ftkesv

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Daily Discussion Thread for October 01, 2024

/r/CanadianInvestor/comments/1ftkesv/daily_discussion_thread_for_october_01_2024/

1ftkewa

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 October 2024

/r/CanadianInvestor/comments/1ftkewa/rate_my_portfolio_megathread_for_october_2024/

1ftmulm

Hello, 23F I grew up with a family that invested in a lot of real estate.Someday I hope to follow their foot steps but right now I’m trying to build a savings to afford a down payment. I save 3,000 per month so 36,000/ year and I am starting a business which should profit 15,000-20,000. So like 50,000 a year maybe more depending on how good the business is. I just have no idea where to start with investing right now my money is in a general savings account (I know horrible) but my family is against investing in stocks etc because of the income tax and they have never done this. Not sure where to start or if this is a good idea if I only plan to have the money in accounts for 2 years… Looking for advice. Thank you :)

bigdreams56

Where to start if you have no clue about investing?

/r/CanadianInvestor/comments/1ftmulm/where_to_start_if_you_have_no_clue_about_investing/

1ftptv7

Solid management. Attractive balance sheet. Sustainable dividend. Good cash flow. Sitting at around $12 feels like a steal . . . should/could get back to $17/18 relatively easily but I accept that Colombia isn't the most stable environment. Company continues to signal they are bullish on growth. Did the market overreact to their revised production numbers + CFO leaving--sentiment vs fundamentals? Curious to hear your thoughts.

Investoramafication

Parex Resources . . . a deal or still too early to tell?

/r/CanadianInvestor/comments/1ftptv7/parex_resources_a_deal_or_still_too_early_to_tell/

1ftqrls

Half my portfolio are ETFs. The other half are: CN, TD, BNS, FTS, T, SU, ENB, and unfortunately AQN. Over the last several years only CN and FTS have given me consistent returns. Recently SU and ENB are finally showing signs of life but all the other ones are dragging me down or barely in the green. And yes I was too scared to put more in during all of the big pull backs. Have you heard the story of Bob the investor? I am Bob. Clearly I have no idea what I'm doing. Luckily I did put roughly half of my funds into XEQT a couple years ago and I'm very happy with those returns. But there's quite a bit of overlap so I want to sell off all of my blue chips. Seeing how the BoC is signalling more rate cuts, should I hold off on selling off my individual stocks or wait a bit longer?

Ehliens1

Is now a terrible time to exit Canadian Blue chip?

/r/CanadianInvestor/comments/1ftqrls/is_now_a_terrible_time_to_exit_canadian_blue_chip/

1ftsne3

StraightFoundation13

Any suggestions?

/r/CanadianInvestor/comments/1ftsne3/any_suggestions/

1ftus2d

In what confidence are these online influencers asking people to invest in a etf for 25 years to become a millionaire? Wouldn't new financial products come up in say 10 years that would blow the etfs today out of the water. Like how etfs blew high cost mutual funds. Is it a generational thing?

parishuddhaatma

Endless push for ETFs online

/r/CanadianInvestor/comments/1ftus2d/endless_push_for_etfs_online/

1fu6qam

the_tit_tyrant

TD Bank Now Gets Caught With Illegal Market Manipulation

/r/CanadianInvestor/comments/1fu6qam/td_bank_now_gets_caught_with_illegal_market/