Datasets:

alvanlii

/

reddit-CanadianInvestor

like 2

1fubxnl

Hi all I’m a Canadian currently living abroad, and I’m classified as a non-resident for tax purposes. I want to start investing long-term (something like the S&P 500 or other global ETFs if you can recomend), but I’m unsure about the best way to go about it given my situation. I have alreay looked into investing locally here and it's just not suitbal for foreginers to invest here. A few questions I have: 1. Can I still use my TD account it (currently only have a checking and savings account with under $500 in them - just to keep the account) to invest, or would this cause any legal/tax issues since I’m not living in Canada? 2. If not TD, what are the best platforms or ways for non-resident Canadians to invest while living abroad? 3. Legality: Are there specific steps I need to take (e.g., informing TD or CRA about my non-resident status) to avoid issues down the road? 4. I’m looking for a long-term, relatively passive investment, ideally something like index funds or ETFs. Any advice on what to look out for to make sure everything is compliant with Canadian tax laws? I want to avoid any trouble in the future, so I’m hoping someone here might have gone through a similar situation or can offer some guidance on how to start off on the right foot. Thank alot!

Accident_Winter

How Can a Canadian Non-Resident for Tax Purposes Start Investing? Advice on Using TD or Other Options?

/r/CanadianInvestor/comments/1fubxnl/how_can_a_canadian_nonresident_for_tax_purposes/

1fucjgr

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

OPINION_IS_UNPOPULAR

Daily Discussion Thread for October 02, 2024

/r/CanadianInvestor/comments/1fucjgr/daily_discussion_thread_for_october_02_2024/

1fud1jc

Educational_Swim8665

Could an XRP ETF Be Next? Bitwise Files Application

/r/CanadianInvestor/comments/1fud1jc/could_an_xrp_etf_be_next_bitwise_files_application/

1fue4zv

I'd like to invest in Canadian private credit / private equity funds, like Invico DIversified Income Fund or ICM Music Royalties, but in order to do so I must use an Exempt Market Dealer like Rainreef or Equivesto or Liahona Capital or one of many others. Can someone relay your experience investing through their EMD, such as what value they added or what kind of due-dilligence did they help you with? I have to pay very high fees with these EMDs (like \~8% upfront) in order to get access to private credit/equity, and I just don't see what value they add (aside from KYC, AML, & KYP). Here was my poor experience with a certain google-able EMD, which I'd like to avoid in the future. Basically our "consultation" with a Dealer Representative was just a sales-pitch, and the Representative's grasp of her own funds was superficial at-best, being able to only rehash the fund bullet-points and past performance. She couldn't (or wouldn't) go over the funds' complex financial statements, nor could she state any of its risks, nor was she aware of the management's strengths and weaknesses. With an 8% fee, I felt very sour about the whole meeting. Since then, the funds have done okay. Does anyone have a positive experience with a Canadian EMD and explain why? Or, are we just supposed to accept that they take high-fees for hitting the buy-button and facilitating the transaction. Am I being too entitled?

cocobipbip

Which Exempt Market Dealer in Canada for exposure to Private Equity / Private Credit?

/r/CanadianInvestor/comments/1fue4zv/which_exempt_market_dealer_in_canada_for_exposure/

1fuiilm

Anyone have the spinoff shares drop into their account yet? Also - what happens to options holders? I sold naked puts that are now in the money but TD isn't showing any bid/ask prices for them so I'm not sure how I'd go about unwinding the position (at a loss).

nutandberrycrunch

TC Energy Completes Spinoff of Liquids Pipeline Business South Bow

/r/CanadianInvestor/comments/1fuiilm/tc_energy_completes_spinoff_of_liquids_pipeline/

1fujei6

I’m planning on investing into my FHSA and two big investments of that will be QQQ and VOO. Is it worth it to switch those etfs to their Canadian version or no?

FinnaBTM

Canadian ETFs vs American

/r/CanadianInvestor/comments/1fujei6/canadian_etfs_vs_american/

1fujmpu

LiarsPorker

Shots fired at homes of two executives tied to waste management giant GFL

/r/CanadianInvestor/comments/1fujmpu/shots_fired_at_homes_of_two_executives_tied_to/

1fulxb1

Heyo, I have contributed 15000 of my 16000 contribution limit in my FHSA to date, and I want to add in the last 1000, however when I look at the book value in my account I see it recorded at 15103.03. Both my records and a scrub through trade history would indicate it should be a flat 15k, has this happened to anyone else, or what do you think the source of this discrepancy is? (Dividends perhaps??) Extra info: At Scotiabank iTrade All 15k was used to purchase XIU.TO I placed my first trade in this account around March

B-dawgisgtaken

Book Value discrepancy in FHSA

/r/CanadianInvestor/comments/1fulxb1/book_value_discrepancy_in_fhsa/

1fuoecn

Bought VEQT, XEQT, VFV from a friend’s recommendation a few weeks ago. After doing more reading VEQT/XEQT seem very similar. So going forward I’m just going to buy VEQT. Should I sell my 250 shares of XEQT and be all in on VEQT or just leave the 250 XEQT. Currently have 1000 shares of VEQT. Buying another 1500 today. 23 male- not touching this money for 30+ years. TLDR - going all in on VEQT, should I sell off XEQT to buy VEQT or just leave the 250 XEQT. Thanks for all advice, new to this just trying to set myself up the right way.

Edmontonsown780

Going all in on VEQT, should I sell off VFV/XEQT to be all in? Or just leave it as it.

/r/CanadianInvestor/comments/1fuoecn/going_all_in_on_veqt_should_i_sell_off_vfvxeqt_to/

1fuoef0

I thought VBAL was supposed to be lower risk. Please and thank you.

Emergency_Echidna_

Can someone please ELI5 why VBAL (1.13) has a higher beta than VEQT (0.97)?

/r/CanadianInvestor/comments/1fuoef0/can_someone_please_eli5_why_vbal_113_has_a_higher/

1fuowod

Looking to max out my FHSA. I’m 24, looking to buy my first house hopefully by 30. From my understanding, CASH.TO is virtually no risk and is typically better for short term? I’m okay with taking some risk. Mostly looking to lower my tax burden. Thanks!

realize65432

CASH.TO vs VEQT in FHSA

/r/CanadianInvestor/comments/1fuowod/cashto_vs_veqt_in_fhsa/

1fupu80

Hello. Title explains it all. Somewhat well-versed in the industry and have been working in finance for 3 years just need to get this done. What areas of the material require the most focus? Thanks

EvanTrautwig

CSC study recommendations

/r/CanadianInvestor/comments/1fupu80/csc_study_recommendations/

1fuq5u5

Sorry if it’s a bad question, how do I know how much I’ve contributed to an TFSA to avoid going over limit? Its not as simple as looking at account because that has my gains already

HandsomeShyGuy

How do I know how much I’ve contributed to TFSA?

/r/CanadianInvestor/comments/1fuq5u5/how_do_i_know_how_much_ive_contributed_to_tfsa/

1fur3fs

Earlier this year, I decided to keep a sizeable amount of cash in CASH.TO as it is risk free and I planned on buying a house in the next 5 years. My TFSA and FHSA and are maxed so I invested the rest in my non-registered account. Looking back, I wish I invested the entirety into XEQT, VEQT or VFV because I don’t think I’ll need to dip into the non-registered account once I’m ready to buy a house. I’ve got enough for a down payment in my WS Cash account which yields roughly the same in interest. My current dilmemma at this point is: Do I sell my CASH.TO position, pay capital gains tax in the spring and reinvest in one of the ETFs mentioned above? Or do I keep my current position as is and just DCA future contributions to above ETF?

Auraful

Regret buying CASH.TO in non-registered

/r/CanadianInvestor/comments/1fur3fs/regret_buying_cashto_in_nonregistered/

1fuxr4c

Or do you prefer to stock pick in this sector.

beautiful_wierd

What do you think of ZEO for a Cdn oil etf

/r/CanadianInvestor/comments/1fuxr4c/what_do_you_think_of_zeo_for_a_cdn_oil_etf/

1fv44rx

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

OPINION_IS_UNPOPULAR

Daily Discussion Thread for October 03, 2024

/r/CanadianInvestor/comments/1fv44rx/daily_discussion_thread_for_october_03_2024/

1fv8bzd

VIX is ripping

Best-Maize-2623

Any Etf for VIX in Canada?

/r/CanadianInvestor/comments/1fv8bzd/any_etf_for_vix_in_canada/

1fv8j2s

Hey Folks! I’m 36 yo. I had my investments into CIBC index funds for around $70k into RRSP and TFSA. I dont track the performance but it was up by 10 percent. A friend works as Financial Advisor and i followed his guidance till date. Fearing the market crash, i have withdrawn my investments into RSP and TFSA Cash accounts. Need advice from the group on the following. 1. Should I stay in Cash Account until the market drop and re-enter? ( Although noone knows when it will happen) 2. Re-invest into Index funds at CIBC - lump-sum and continue regular investments. 3. Switch out to Wealth simple and invest into ETFs through automatic contributions on bi weekly basis. Your inputs will be greatly appreciated. I want to invest but wont be able to track whats happening with my investments. I have no plans to use these investments as I have separate 6 months emergency funds in GIC. Pls advise.

van604boy

Investment Guidance

/r/CanadianInvestor/comments/1fv8j2s/investment_guidance/

1fva3j8

None

Canadian dollar expected to strengthen in 2025 as rate cuts boost economy

/r/CanadianInvestor/comments/1fva3j8/canadian_dollar_expected_to_strengthen_in_2025_as/

1fvb6fq

About half of my portfolio is in bank stocks and they've done quite well so far (especially RY). I was looking over the 1 year targets for them and they all seem to be lower or at current prices. Are bank stocks overvalued at current prices? Would you move a portion to an ETF like VFV?

midsighted

What do you make of analysts' target price for bank stocks (RY TD BNS CM) being below or at current price?

/r/CanadianInvestor/comments/1fvb6fq/what_do_you_make_of_analysts_target_price_for/

1fvboez

Hi everyone, I put about 20k into cash.to (my first non-reg) is this bad? I don’t really understand what the difference is in the long run if I chosen a non-dividend based ETF..I would end up paying taxes anyway once I sell? I saw a comment saying that they got burned because of the dividend but now I’m just confused.. If it matters: late 20s, will probably purchase a house in a few years Thanks in advance!

Zmrxo

TFSA, RRSP, FHSA maxed with XEQT, is filling a non-reg with CASH.TO bad?

/r/CanadianInvestor/comments/1fvboez/tfsa_rrsp_fhsa_maxed_with_xeqt_is_filling_a/

1fvg4l0

Hi everyone, the below is my allocation. Note I have already maxed out both RRSP and TFSA. Time horizon is 15-35 years depending on how early I want to retire. RRSP - convert to USD and buy US-Listed ETFs (no witholding tax). TFSA - XEC, XEF and Canada-Listed US index ETF. (International ETFs have higher dividend yield, so putting them in non-registered would result in more dividends taxed at marginal rate. Use remaining funds for US ETF) Non-Registered - Canada and US index ETFs, all denominated in CAD. (Canadian eligible dividends have lower tax rate. Use remaining capital for US index ETFs which have lower dividend yield) Overall allocation is around 20CA/60US/20Intl. I don't plan on holding bonds for now (also considering switching a portion to a leveraged stock/bond/managed futures mix but that's another story). 1. Hows does the above look? 2. Do you think it even makes sense to keep substantial positions in international? I fully understand the benefits of diversifying internationally. But I'd be paying 0.6%+ (MER + withholding tax) which will add up over time. This makes me want to underweight international even more (never been a big fan anyway). 3. Has anyone opted for the total-swap ETFs from Horizon/GlobalX (e.g HXS, HXDM) to minimize dividends? I know there's regulatory risk if using it in non-registered, but within TFSA it sounds like a decent plan? Thanks!

theunknown96

Am I minimizing my foreign dividend withholding tax with this allocation？

/r/CanadianInvestor/comments/1fvg4l0/am_i_minimizing_my_foreign_dividend_withholding/

1fvgg7c

Always wanted to add CNQ but just keep adding to XEQT. Any benefit to add into it ?

TAqcan

Discussion

Any point in adding CNQ to my XEQT ?

/r/CanadianInvestor/comments/1fvgg7c/any_point_in_adding_cnq_to_my_xeqt/

1fvi07r

Hi all, what are the risks with covered call etfs? I see Hamilton etfs providing high returns but what's the catch? Thanks.

Acceptable_Anthill

Risks with using Covered Calls etfs

/r/CanadianInvestor/comments/1fvi07r/risks_with_using_covered_calls_etfs/

1fvuwcx

I've been living in Germany for the past decade. I have quite a bit of liquid savings right now that isn't doing anything. I'm moving back to Canada in 10 months, and I want to park this cash somewhere to earn a bit of interest. I currently have an Interactive Brokers account, which would allow me to purchase into the CASH.TO ETF. I've heard a lot of people reference this as a good alternative to a HISA or GIC on a few different subreddits. Would it be worth parking it here with such a limited timeframe or am I just opening myself up to unnecessary risk?

Final_Travel_9344

Moving from Germany to Canada - Parking cash in CASH.TO

/r/CanadianInvestor/comments/1fvuwcx/moving_from_germany_to_canada_parking_cash_in/

1fvvivh

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

OPINION_IS_UNPOPULAR

Daily Discussion Thread for October 04, 2024

/r/CanadianInvestor/comments/1fvvivh/daily_discussion_thread_for_october_04_2024/

1fvw6s7

I’m new-ish to investing in stocks, so I’m not sure if this is common. Yesterday, via my TD trading account, all of my TC Energy stocks were sold/ returned to me. I took no action at all for this to occur. What happened? Is this a mistake on my end (glitch in my account or on TD’s end), or is this something that occurred within the company. I’m trying to Google the answer, but I’m not finding much.

The_Human1st

Why have my TC Energy Corp stocks been returned to me in cash?

/r/CanadianInvestor/comments/1fvw6s7/why_have_my_tc_energy_corp_stocks_been_returned/

1fvy912

Hello all. I am an inventor with a patent-pending invention. Have I violated the self promotion rule? If so, how can canadian investors see canadian investment opportunities?

myearwood

No self promotion?

/r/CanadianInvestor/comments/1fvy912/no_self_promotion/

1fw0nqt

I sold an equity yesterday. Since settlement day is now T+1, I expected to be able to electronically transfer those funds from my trading account to my bank account today, but my trading platform says those funds aren't available yet. So can I assume that settlement doesn't occur until the end of the day?

milan_polenta

Settlement day

/r/CanadianInvestor/comments/1fw0nqt/settlement_day/

1fw1rx1

If the yield on these covered call ETFs stays in the 9-12% range or so... and the stock price gets slowly (or in some cases not so slowly) eroded... then wouldn't your distribution get smaller? 10% of $50 share price is $5... 10% of an eroded $40 share price is only $4... so do the distributions get smaller assuming yield stays about the same? Or does the yield just forever increase? (Can't see that being the case) Wouldn't that make these covered call ETFs bad for income for anything but the short term? A retiree would see their income drop over time if it erodes and stays around the same yield, which is obviously not ideal.

WhatIsThePointOfBlue

Covered call ETF question...

/r/CanadianInvestor/comments/1fw1rx1/covered_call_etf_question/

1fw5zlq

So far I've mostly been investing my long-term savings in VEQT, but as my portfolio has grown, I've become more and more interested in switching to buying the four underlying funds directly (VUN, VCN, VIU, VEE) and periodically rebalancing myself. I calculated that it would reduce the MER by a bit under 0.1%, which would amount to a few hundred grand over the next 30 or 40 years. Apart from capital gains tax implications, my main concern was that the bid-ask spread might eat up a lot of those gains with the more frequent trading I'd be doing. I expect this would be worse depending on how frequently I rebalanced. The spread on those ETFs is pretty small, but I could see it adding up over time. Is this spread a major concern? Is there an optimal rebalancing frequency I should use to strike a balance between keeping my allocations close to VEQT and minimizing loss to the bid-ask spread? I'm not sure whether to rebalance annually, quarterly, monthly, weekly, etc. My brokerage doesn't charge transaction fees so that part isn't a concern at least.

xX_420_NoScopes_Xx

Does the bid-ask spread matter if rebalancing a portfolio frequently?

/r/CanadianInvestor/comments/1fw5zlq/does_the_bidask_spread_matter_if_rebalancing_a/

1fw8bjz

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

OPINION_IS_UNPOPULAR

Weekend Discussion Thread for the Weekend of October 04, 2024

/r/CanadianInvestor/comments/1fw8bjz/weekend_discussion_thread_for_the_weekend_of/

1fw8glv

Is there any point other than diversification to start investing into energy? I'm also wondering if there are any ETFs in CAD that contain both clean energy and conventional oil/gas.

ukie7

Are energy ETFs worth it?

/r/CanadianInvestor/comments/1fw8glv/are_energy_etfs_worth_it/

1fw9jhh

Just want to know the opinion of others about this breakdown. I am just new in investing and learning more everyday. XEQT - 60% VFV - 30% VDY - 10% I think the summary of this is around 40% canadian and 60% in US. Not sure if I should be going with XEQT and VFV (70/30) which is my current portfolio or should I add VDY in it. Please let me know your thoughts.

cornikkk

XEQT, VFV and VDY

/r/CanadianInvestor/comments/1fw9jhh/xeqt_vfv_and_vdy/

1fwalef

I received a generic message attributing the absence of South Bow share in my account to “technical issues.” No indication of when things may be resolved. One other issue that I have observed since Wednesday is that TD TRP stock charts are incorrect on my end and indicate a jump in price roughly equivalent to the value of a SOBO share, with the historic share price adjusted to reflect the netting off of a SOBO share. Things are all kinds of fucked up, which is frustrating but also says something about TD. I suspect that these issues are related to TD only, but would appreciate input from those with TRP shares that are with other Canadian chartered banks - BNS, BMO, RY, CM, NA.

DickSmack69

Message from TD regarding South Bow shares

/r/CanadianInvestor/comments/1fwalef/message_from_td_regarding_south_bow_shares/

1fwaozr

Hello all, I'm switching from Questrade and my positions all transferred today but my cost basis didn't which is annoying. If I have for example 100 Apple that I bought over 4 transactions (25 shares x 4 diff dates over multiple years). Would I enter that as 4 separate transactions (lots) or as 1 total 100 shares transaction of 100 shares on IBKR. Also do I include commission in my cost basis, I think QT charged $4.99 per trade. I know where to find the info (reporting > account activity) so finding the numbers isn't a concern.

--_--_--__--_--_--

Has anyone switched from QT to Interactive Broker? Question on entering my cost basis

/r/CanadianInvestor/comments/1fwaozr/has_anyone_switched_from_qt_to_interactive_broker/

1fwg41q

Lean-N-Supreme

B.C. man sues RBC after earning then losing $415M on Tesla stocks

/r/CanadianInvestor/comments/1fwg41q/bc_man_sues_rbc_after_earning_then_losing_415m_on/

1fwgt8l

Curious if anyone here has used moka for investing? Getting a lot of ads for their AI investing service recently, and the returns look to be too good to be true. So I’m wondering if anyone has had any experience with them?

Gr0ceryGetter

Getting a lot of ads for Moka

/r/CanadianInvestor/comments/1fwgt8l/getting_a_lot_of_ads_for_moka/

1fwix5w

Major_Access2321

Palantir Stock Skyrockets to Record Highs — Is Wall Street Ignoring the AI Goldmine?

/r/CanadianInvestor/comments/1fwix5w/palantir_stock_skyrockets_to_record_highs_is_wall/

1fwojj7

I currently hold about 25% of my portfolio in TDB902 (US equity) which has an MER of .24% with average cost of about $99 (currently at $137). Should I consider selling it for VFV ($138) which has an MER of .09%? Edit: they are held in a TFSA. So no tax implications.

Turbulent-Sherbet789

VFV vs TDB902

/r/CanadianInvestor/comments/1fwojj7/vfv_vs_tdb902/

1fwrcfv

Hey everyone, sorry if these may be basic questions. I’m with TD and hold ETFs in both registered and unregistered accounts. 1) When are MER fees charged? Is this already incorporated into the gains/losses and what you see if what you hey? 2) How does capital gains tax work if you’re not selling all your shares? For example if I have 100 shares of an ETF at $100/share (10k total) and it grows to $120/share. If I chose to sell 50% of my shares, would capital gains tax apply to only 1k, keeping the same proportionality? 3) How quickly can you sell and buy the shares? Is there a penalty within a certain time frame? Or just the $9.99 order too? 4) If I have to make monthly payments for something, is it ever wise to buy an ETFs with the cash laid aside hoping it would grow a bit before selling it again to make the payment deadline a month down the road? Thanks!

that_feel87

Investments/ETFs and tax question

/r/CanadianInvestor/comments/1fwrcfv/investmentsetfs_and_tax_question/

1fwx6lm

Any good podcasts on Canadian Investing?

DirtyOldTownn

Podcasts

/r/CanadianInvestor/comments/1fwx6lm/podcasts/

1fwx931

https://money.tmx.com/en/tsx30

bigfishbegonia

Thoughts on the TSX30? “the 30 top-performing companies…”

/r/CanadianInvestor/comments/1fwx931/thoughts_on_the_tsx30_the_30_topperforming/

1fwy1i5

Start out with 25k in 14 years end up with 300ish k. Just investing in ETFs with a split of 60% US, 40% CDN, 10% international. Would that be achievable? My bad on the bad Grammer in the title. I am unable to change the to this...

AR558

Would the be a decent return given the timeframe

/r/CanadianInvestor/comments/1fwy1i5/would_the_be_a_decent_return_given_the_timeframe/

1fwzoyr

Dependent-Wave-876

Can I write off expired worthless SPAC warrants?

/r/CanadianInvestor/comments/1fwzoyr/can_i_write_off_expired_worthless_spac_warrants/

1fx13or

Their fees structures looks good, especially when compared to WS which is who I am with currently. I typically only invest in the US market so the FX conversion fee really hits me hard. Thoughts?

Randomizer23

is MooMoo half decent?

/r/CanadianInvestor/comments/1fx13or/is_moomoo_half_decent/

1fx2wea

I’ve just started to invest with ETF’s and have been looking for a spreadsheet tracker to keep en eye on my progress. There’s some videos on YouTube I’ve found about how to create your own using Google Sheets. My expertise with Excel is lacking. Do anyone use one or have a source where you can download and edit to suit your needs? TIA

KISSfan81

Dividend Tracker Spreadsheet

/r/CanadianInvestor/comments/1fx2wea/dividend_tracker_spreadsheet/

1fx3qvq

Looking for something with similar returns, and similar holdings but lower MER. This is the Equity Growth Portfolio, NOT the Equity ETF. Invested in January in my TFSA, it’s up about 15% now. My first investment but now that I’m learning more - I’m wondering if I should move elsewhere for lower fees?

magic-kleenex

Please recommend alternatives to Tangerine Equity Growth Portfolio - or should I keep my money in this?

/r/CanadianInvestor/comments/1fx3qvq/please_recommend_alternatives_to_tangerine_equity/

1fx6sc0

I’ve been blessed with the opportunity to start a non-registered account as I’ve maxed my TFSA, FHSA, have a 6month emergency fund, and contribute to my RRSP. I’m just wondering if someone could steer me in the right direction for tax favourable investing in a non-registered account. I simply plan on buying and holding. Should I stay clear of ETF’s with dividends for tax reasons?

NorthOnSouljaConsole

Non-registered investing

/r/CanadianInvestor/comments/1fx6sc0/nonregistered_investing/

1fxg2ch

newuserincan

I am thinking investing in two pipeline companies for dividends income. Which two would you suggest?

/r/CanadianInvestor/comments/1fxg2ch/i_am_thinking_investing_in_two_pipeline_companies/

1fxih23

So I don't know where to go but my dad got scammed by this so called wealth management company. He put in an ungodly amount of money into to this and is now pretty much broke.. I tried to tell him about this but he was so blinded by false promises.. is there anyone or any company I can contact that's a legit recovery team? I think he got scammed again by a company that posed as a recovery team.. anyways I want to try and help him out as much as I can to try and recover his savings.. and for anyone thinking of investing with Braxton.. don't.... please don't...

OkSalt9770

Braxton Wealth Management scam.

/r/CanadianInvestor/comments/1fxih23/braxton_wealth_management_scam/

1fxivbt

Profile: 70-year-old senior, rookie investor, wanting to convert some stocks to cash for decumulation. Eight or so years ago I bought AT&T at US$30 and VZ at US$51, based on the advent of 5G. The stocks tanked in early 2022. I hate to sell at a loss, although dividends over the years would balance the losses. I just hate seeing the red in my portfolio (among other reds, ha ha) and if they're going to take years to recover, I'm thinking I should just cut my losses. Thoughts?

GrapeSpecialist9594

Verizon & AT&T - sell or hang on?

/r/CanadianInvestor/comments/1fxivbt/verizon_att_sell_or_hang_on/

1fxless

**Hi everyone,** First post here! I’m in a bit of a unique situation (I think?) and would love some advice. I’m currently contributing to an **RBC Group RRSP** because my **employer matches contributions**, but I prefer a **passive investing strategy** and currently hold **XGRO** in Wealthsimple. However, most of the funds available to me at RBC have **high MERs**, and there’s a lack of good ETF options. **Some key details**: * Employer matches contributions into the RBC plan, so I need to contribute at least 4% to keep the match. * RBC charges a transfer-out fee, though they didn’t last time I transferred, but I know they do generally. * Wealthsimple sometimes covers transfer fees for larger transfers, but I’ll be doing this on a regular (semi-regular) basis. * I plan to transfer funds **every few months** to minimize the time spent in high-fee RBC funds. * I’m thinking of using a **low-MER fund** (or a **money market fund**) to temporarily hold funds at RBC until I move them. **My questions**: 1. Has anyone successfully gotten RBC to waive the transfer-out fee? If so, how did you do it? 2. Has anyone regularly transferred funds to Wealthsimple and had them cover the transfer fee? Should I be looking for **regular promotions**, or is there a standard approach to this? 3. Since I’m staying with RBC to keep the employer match, any advice on **minimizing costs** while holding funds there short-term? Thanks in advance for any insights or experiences you can share! TY!

-ivo

Maximizing Employer Match with RBC RRSP While Minimizing Fees for Regular Transfers to Wealthsimple

/r/CanadianInvestor/comments/1fxless/maximizing_employer_match_with_rbc_rrsp_while/

1fxmio5

I want help choosing the best ETFs for my FHSA. I want to buy a house within the 7-10 years. I opened a FHSA this year and I maximize with $8k. I plan to invest $8k every year until hit the $40k. Within 5 years, I will also invest in my wife’s FHSA. Considering that, I would like to invest my money in some ETFs to grow and have more money to buy a house. I would like a simple ETF approach, with at most 3 ETFs and I want some ideas of which ETFs to choose. When it miss only 3 years to buy a house, I will start selling this investment and change to a conservative approach, like investing in CASH ETF or HISA. Right now, I am open to a less conservative approach, to grow even with down in the middle. What I considered: - VFV - VGRO - XQT - VWCE What would you do? UPDATES: After I maximize the $80k in both FHSA, I plan to continue investing but in a HISA. I also update the timeframe from 5-10 to 7-10 years, and I am willing to wait extra years if something goes wrong. Finally, I also plan to liquidate the money from time to time to make sure I don’t loose.

Logical-Skin4229

Which ETFs I should choose for FHSA?

/r/CanadianInvestor/comments/1fxmio5/which_etfs_i_should_choose_for_fhsa/

1fxmpjj

I'm 18yr and I started a savings I have about 4.3k and I currently have it in my KOHO account. I earn 5% interest which is pretty high but I have to pay 4$/month for the plan. I'm also paying 5$ a month for their credit building subscription because I would like to start building credit, currently at 694. I also have a credit card with ATB I've been using for about lets say 3 months or so, with a limit of 2k. Is this the way to go or do you guys have any recommendations. I also want to open a TFSA and FHSA, but I want the best rates. Because alot of places offer different rates, the higher the better obviously. I'm in southern alberta so options are limited. Any reccomendations?

KawaiiChip_

18yr looking for financially advice and interested in TFSA and FHSA.

/r/CanadianInvestor/comments/1fxmpjj/18yr_looking_for_financially_advice_and/

1fxn9nx

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

OPINION_IS_UNPOPULAR

Overnight Discussion Thread to Kick Off the Week of October 06, 2024

/r/CanadianInvestor/comments/1fxn9nx/overnight_discussion_thread_to_kick_off_the_week/

1fxnee5

Our daughter is almost two now and we already have an RESP set up for her. Is there anything else we can set up for her that we can consistently contribute to? It looks like an RRSP and TFSA can't be done until she files her first tax return so wondering what other options we have.

halldorr

Investing into something for our children - best options?

/r/CanadianInvestor/comments/1fxnee5/investing_into_something_for_our_children_best/

1fxpxow

Includes holdings of Raytheon, Lockheed Martin, Boeing, etc. I'm fairly new to investing and I stumbled on this stock, so far it seems like it has been steadily increasing throughout its history (opened Sep 3, 2023, so VERY new). I invested $4000 into this, any thoughts? The full blackrock ETF facts page is here: [https://www.blackrock.com/ca/individual/en/literature/etf-summary/xad-facts-en-ca.pdf](https://www.blackrock.com/ca/individual/en/literature/etf-summary/xad-facts-en-ca.pdf)

Blundann

What do we think about XAD?

/r/CanadianInvestor/comments/1fxpxow/what_do_we_think_about_xad/

1fxvkwa

Now that both are available on the TSX, does this mean there is no withholding tax?

Neither_Research_233

JEPI and JEPQ

/r/CanadianInvestor/comments/1fxvkwa/jepi_and_jepq/

1fy34ud

Long story short. Just found out wife has $200k in a random savings account. TFSA virtually untouched. She grew up traumatically poor. So was too afraid to invest... She wants to now. We have no near future plans for the money. Hoping to retire from our current careers in 15 years. Which funds? What mix (equities+fixed)? Lump sum or DCA? Bonus: What would you tell her to make her feel at ease about investing at all. Edit: I need to clarify. She is ready for equities. She already has GIC, term-deposit, real estate, and me. I guess she finally feels secure. Edit: We have a CFP. She doesn't like him. (No good reason).

CoffeexLiquor

What to do with $200k?

/r/CanadianInvestor/comments/1fy34ud/what_to_do_with_200k/

1fy4088

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

OPINION_IS_UNPOPULAR

Daily Discussion Thread for October 07, 2024

/r/CanadianInvestor/comments/1fy4088/daily_discussion_thread_for_october_07_2024/

1fy5pfh

MilesOfPebbles

Chevron to Sell Oil Sands, Shale Assets for $6.5 Billion to Canadian Natural

/r/CanadianInvestor/comments/1fy5pfh/chevron_to_sell_oil_sands_shale_assets_for_65/

1fy6jpl

Looking to move out of WS, to a broker that supports usd better. I noticed Disnat has free commissions, and Norbert’s gambit. My idea was that I can move both my tfsa and non registered to Disnat, was going to liquidate most of my cad holdings and switch over to usd. Was just curious if there’s any sort of “catch” other than the usual Norbert gambit wait time with Disnat.

Randomizer23

Disnat broker for free USD investing?

/r/CanadianInvestor/comments/1fy6jpl/disnat_broker_for_free_usd_investing/

1fy9sh8

I’m a university student looking to park some tuition money into cash.to for the time being. This would be into an unregistered account because my tfsa is maxed for the year. My view is that the gains from cash.to will be taxed as income, which isn’t a problem for me as I make much less than 15k per year. Am I missing anything?

ch1ck3n_nu99ets

Downside of registered account for someone without income?

/r/CanadianInvestor/comments/1fy9sh8/downside_of_registered_account_for_someone/

1fyamvo

Anyone still waiting for Telus (T.TO) dividend from TD? Payment date is suppose to be Oct 1 but haven’t received anything. I also checked end of September just incase but nothing. https://www.telus.com/en/about/investor-relations/dividend-information

ceetoee

Telus (T.TO) delayed dividend payment with TD?

/r/CanadianInvestor/comments/1fyamvo/telus_tto_delayed_dividend_payment_with_td/

1fyaow7

[ Does this sector trend keep up into early 2025?](https://preview.redd.it/bp1eaah9tctd1.png?width=1827&format=png&auto=webp&s=18f45fc150d59fc55a3a404a82122f52e76fd212) Current yields:  ENB:  6.6% TRP:  6.3%   PPL:  4.8%  Those are roughly 3 to 4% real yields.

solvkroken

Pipelines slowly, steadily climb since October 2023

/r/CanadianInvestor/comments/1fyaow7/pipelines_slowly_steadily_climb_since_october_2023/

1fyi102

I’ve been working in private real estate investment for a while now, primarily through syndications for land development, and large multifamily projects. My goal is to have a founding role in a private equity fund eventually, I understand I need to learn a lot more from others in this space first, even considering taking a job as a dealer rep to learn more about the business. To begin expanding my knowledge, I’m planning to take the IFSE Exempt Market Proficiency (EMP) course. I’m wondering if anyone here has completed the course and can share their experience? Was it challenging? Any tips? Did it help you get a job or grow your business? How did it impact your career in real estate or investment markets? Thanks in advance.

fly_boi98

IFSE Exempt Market Proficiency Course

/r/CanadianInvestor/comments/1fyi102/ifse_exempt_market_proficiency_course/

1fyjiuy

I just transferred my tfsa to a tfsa options and I still don’t understand how TD works on their option trading: In tfsa , you can only - long call , long put, and sell a covered call. For each of the following scenarios. Please share if my understanding is correct: A. LONG CALL If I long a call and at exp it is OTM, TD will auto sell to close it for me.( can it still be sold though ? Very little value remaining) If I long a call and at exp it is ITM- 1. I got the money - TD auto exercise 2. I got no money - TD tries to sell my option to close (still got intrinsic value) B. LONG PUT If I long a put and at exp it is OTM, TD will auto sell to close it for me.( can it still be sold though ? Very little value remaining) If I long a put and at exp it is ITM- 1. I got the shares - TD auto exercise to sell my shares 2. I got no shares - TD tries to sell my option to close (SO THIS IS DIFFERENT FROM NORMAL ACCOUNT, WHERE you can sell shares you dont have and buy back?) C. COVERED CALL If I sell a covered call and at exp it is not assigned, nothing happens. If I sell a covered call at exp it is ITM- 1. I got the shares - TD auto exercise to sell my shares 2. I got no shares - not gonna happen as you can only sell covered call

slaybrownbeast

Please help me - tfsa options in TD

/r/CanadianInvestor/comments/1fyjiuy/please_help_me_tfsa_options_in_td/

1fymfur

I am considering investing (buy and hold) in a few stocks, and I already use Questrade to invest in a few. I am wondering if I should put all my money in one basket (from a financial and security standpoint). If the broker goes under (like a bank) or if there is a hack, at least it won’t affect both accounts. What’s your opinion on this?

rgaur13

Should I consider two different platforms for investing?

/r/CanadianInvestor/comments/1fymfur/should_i_consider_two_different_platforms_for/

1fyn21o

mathieuisabel

Constraint Based ETF Selection

/r/CanadianInvestor/comments/1fyn21o/constraint_based_etf_selection/

1fynbco

Hi Reddit, I’m starting to establish my retirement portfolio and I’d like to get your thoughts on what I’m thinking of doing so far. I’m a professional in my twenties so I think I can be somewhat aggressive. But I still want some dividends funds so the level of risk would be 70/30. What I’m thinking of doing is this: Equities: XEQT(17.5%), VUN (28%), VIU (17.5%), VEE (7%) Cash/Bonds: CASH, BOND, IPPP (10% each)

Illustrious_Style549

Help me with my retirement portfolio(thoughts?)

/r/CanadianInvestor/comments/1fynbco/help_me_with_my_retirement_portfoliothoughts/

1fyq9u2

I have a side gig that I can fairly consistently earn at least 100 USD/day. Since it is a side gig, I don’t initially pay tax on it so I set aside about 45% for taxes (I make a bit over $150k/year on my career job). My goal is to max out my TFSA and RRSP in the next few years. I have about $180k of RRSP room and have $85k of TFSA room. I have been only been contributing to my TFSA with this money (my main job company has an RRSP match I’ve been doing for years). It is money I won’t need to touch for awhile so just investing in S&P500 index funds and putting the tax portion in cash.to. I’ve been trying to optimize the strategy, and I don’t know if I should focus on RRSP or TFSA. Since there’s no tax taken off, the RRSP contributions can climb more quickly since I’ll be claiming the contributions this year. But one thing I’m not sure about is which one to focus on first. Since they’re both effectively the same fund (I’m keeping my RRSP in USD so doing VOO instead of VFV), is it really down to personal preference or is it better to focus on one or the other?

tehclubbmaster

Side gig investment, strategy discussion

/r/CanadianInvestor/comments/1fyq9u2/side_gig_investment_strategy_discussion/

1fyw4uk

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

OPINION_IS_UNPOPULAR

Daily Discussion Thread for October 08, 2024

/r/CanadianInvestor/comments/1fyw4uk/daily_discussion_thread_for_october_08_2024/

1fz4s7p

I had 15k USD when i started investing this year in RRSP. Now, I have 16.5k. Dividend should push me to 16.8k by end of year, assuming no other growth or fall. So that is about 12% up. But when I look on reddit, I see much higher returns. Like 30 or 40%, even higher. I'm wondering if I should just hold onto my etf, or take more risk

Temporary-Nothing-17

What % should I aim to go up each year on a stock/ ETF?

/r/CanadianInvestor/comments/1fz4s7p/what_should_i_aim_to_go_up_each_year_on_a_stock/

1fz8lny

Hello all. Im looking for a community or network, and willing to pay to join, to help connect me with angel or start up investors. My company has passed all the needed hoops and regulations in order to commence operations. It is a FinTech company, licensed, bonded in Alberta and has compliance approved by the bank (which was a 10 month process since the company is a MSB - Money Service Business). As Christmas is just a few weeks away, Im looking to secure additional (to what I currently have) funding and take advantage of the season. Im also looking to connect with business mentors and business partners as well, and who is willing to work on the business with me on a full time basis. Please note that as this is a startup, it will not pay a wage or dividend but I am absolutely open minded to give equity/share of the company depending on the experience and skill set brought to the business. The company has a physical office/store front retail space. Any directions or recommendations would be great. Ive joined local business associations (which some have paid membership to join) and looking to reach out further.

RumbleRRo

ISO: Angel investor community within Alberta. My business has been approved for operations

/r/CanadianInvestor/comments/1fz8lny/iso_angel_investor_community_within_alberta_my/

1fz9g6e

During bear markets wouldn't it be better to have your fixed income separate (ie: HISA+VEQT) from the typical Balanced fund because you could withdraw from your HISA, [cash.to](http://cash.to) etc rather than from say, VBAL where you are forced to sell some of the equity portion at low prices?

Minimum-Divide-7899

Balanced vs equity + fixed income portfolio for retirement income

/r/CanadianInvestor/comments/1fz9g6e/balanced_vs_equity_fixed_income_portfolio_for/

1fz9xdl

Hello, I've been DIY investing (for retirement) with QT for about two years now. When I first opened an account it was a self-directed TFSA because I made below $55K at that time. I had recently learned about asset allocation ETFs and invested in VGRO (80/20). When I got a higher paying job, I opened a self-directed RSP and, having read about Warren Buffet's 90/10 investment strategy, I purchased VOO and VSB on a monthly basis and stopped contributing to my TFSA. I am now planning to transfer my TFSA money into my RSP. Before I do so, I have a few noob questions. The QT chatbox keeps refreshing and losing our conversation so I'm bringing them here: 1. If I move the money from my TFSA, does the allocation (80/20) transfer over or just the money? 2. If, after consolidating these funds, I decide to lower my 90/10 risk tolerance to 80/20 (for example, transfer everything from VOO and VSB to VGRO), how do I do that? 3. As someone who is currently only buying and holding with a 30-35 years investment horizon, does it make sense for me to stay with QT or should I consider other options? I've seen a lot of love for IBKR lately but am not sure it makes sense for me to leave since I'm not stock picking. TIA!

dairyqueen_

DIY Investor looking for advice

/r/CanadianInvestor/comments/1fz9xdl/diy_investor_looking_for_advice/

1fza7bk

Have \~200k in cash but hesitant to buy in with the huge run up we've had. Yeah I know you can't time the market but I wonder what the odds are it will continue before it tapers off. **Edit: 29% over 1 yr not YTD**

Minimum-Divide-7899

XEQT up 29% YTD - Should I hold off a large buy of ~200k

/r/CanadianInvestor/comments/1fza7bk/xeqt_up_29_ytd_should_i_hold_off_a_large_buy_of/

1fzc2am

Hello! I have a specific question about this ETF. If I understand correctly and my calculations are right, this ETF gives an annualized distribution yield of about 7.80%, as well as 0.66% dividend? Seems too good to be true! But I am contemplating it as it's at his 52-week low.

Mormolin

Discussion

Hamilton U.S. T-Bill Yield Maximizer ETF (HBIL.TO)

/r/CanadianInvestor/comments/1fzc2am/hamilton_us_tbill_yield_maximizer_etf_hbilto/

1fzda68

I have mostly ADA and ETH (among with other small amounts on other coins). I'm trying to convert them to USDC so I could use Paytrie but Binance doesn't seem to allow me to convert anything. How do I take my money out now?

geizig

How to withdraw ADA and ETH from Binance to my canadian bank account

/r/CanadianInvestor/comments/1fzda68/how_to_withdraw_ada_and_eth_from_binance_to_my/

1fzge08

Just started my investing journey this year and had this thought pop into my head recently. I'm sure the answer will ultimately come down to what my plans for the future are, but are there any universal guidelines to follow? If it helps, I'm graduating university next year and plan to look for my own place within 1-2 years. I'd assume it would be beneficial to have a majority of my portfolio to be invested in a short term stock since my time horizon is very short. But yeah all feedback/answers are greatly appreciated. Thanks for reading EDIT: When I said I’m looking for my own place, I meant I’m looking for a place to rent. I highly doubt I can afford my own house after I graduate

SPAceBP

As a 22 year old, what % of my portfolio should be short term vs long term?

/r/CanadianInvestor/comments/1fzge08/as_a_22_year_old_what_of_my_portfolio_should_be/

1fzh2yd

I've recently just got married, and now my wife and I have a joint income we want to plan out to invest for the future. In terms of goals, in the next 5 years we'd like to buy our own house. Currently, we have \~35k that we can invest. For current monthly finances, once all expenses are deducted, we're left with approximately $500 to invest and $2000 we're setting aside to save up for downpayment. Also for context, my income is \~140k a year before taxes. In the past year, I've Dollar Cost Averaged on a per month basis and invested in XEQT.to, XQQ.to, VFV.to, which has been quite a good plan thus far. Now, from work I have an RRSP which matches by contribution. I want to get advice on how I should move forward so I can save taxes, invest, and also plan for our house. Should I open an RRSP? FHSA? what should be by strategy in contributing towards it. Any advice is appreciated!

JonSnow_123

Advice for Path Forward as a Newly Married Couple with Joint Income

/r/CanadianInvestor/comments/1fzh2yd/advice_for_path_forward_as_a_newly_married_couple/

1fzhizc

TimedOutClock

Couche-Tard Suggested Higher Price of $47 Billion for Seven & I

/r/CanadianInvestor/comments/1fzhizc/couchetard_suggested_higher_price_of_47_billion/

1fzl20q

31M after much research, I have decided to take investing serious. I intend to setup recurring purchase of Xeqt at $50 every day Is there any drawbacks to this? Wealthsimple doesn’t charge to buy so that concern is taken care of. Anything I should be concerned about with this strategy?

Legitimate-You2477

Daily DCA with Wealthsimple

/r/CanadianInvestor/comments/1fzl20q/daily_dca_with_wealthsimple/

1fznt85

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

OPINION_IS_UNPOPULAR

Daily Discussion Thread for October 09, 2024

/r/CanadianInvestor/comments/1fznt85/daily_discussion_thread_for_october_09_2024/

1fzsg4y

Hey this might be a question that is too dumb for life but I'm curious. From what I understand these types of stocks essentially just operate as high yield savings account albeit increasing roughly the same each month before dropping back to the baseline again and paying dividends. My question is could I theoretically sell each time before the drop and then just rebuy to maximize yield or is it too much work for it to ever be worth it.

Calhob42

Cbil/Cash.TO reinvestment plan question

/r/CanadianInvestor/comments/1fzsg4y/cbilcashto_reinvestment_plan_question/

1g00v8l

So I have a larger sum to invest and I know lump sum normally beats DCA but for my own peace of mind I feel better doing it over time to get an average of any lows or highs. For my mindset and to not get worried about the price I'm buying at I've decided I need to set a time each day where I buy no matter the price. Likely will be doing several thousand each day but wondering if statistically is there a best time to do it during each trading day.

TheDoggydog23

Is there statistically a best time of day to invest during market hours?

/r/CanadianInvestor/comments/1g00v8l/is_there_statistically_a_best_time_of_day_to/

1g04h0x

I just purchased this book. Been reading it. Anyone here employes option selling?

Otherwise_Aspect3406

Options Selling

/r/CanadianInvestor/comments/1g04h0x/options_selling/

1g05oce

# ... savings ... ugh. I just opened a FHSA. It's mostly just to benefit from tax savings until I decide whether to buy property. I'm wondering where do most FHSA people invest the savings. Do you use it like a TFSA? In my TFSA, I have a GIC, CASH, equity ETFs, and a few stocks. Thinking doing the same with FHSA until I get better ideas.

Betanumerus

FHSA - Where to invest the saving?

/r/CanadianInvestor/comments/1g05oce/fhsa_where_to_invest_the_saving/

1g06qkg

Asabiru

TD Bank faces $3 billion in penalties as part of US settlement, WSJ reports

/r/CanadianInvestor/comments/1g06qkg/td_bank_faces_3_billion_in_penalties_as_part_of/

1g08xm5

Let's say I have 100k of equity in a stock. I take out a 100k margin loan against it. The stock goes to 0 so I'm left with a margin loan of 100k Can I continue to deduct the interest on the loan indefinitely? What if I have 50 stocks In my portfolio and I sell the one stock, take a small gain, can I continue to deduct the rest of the loan? What if I take a loss on the stock?

rbatra91

How does Margin loan tax deductibility work on sale of a stock?

/r/CanadianInvestor/comments/1g08xm5/how_does_margin_loan_tax_deductibility_work_on/

1g09gv7

I am trying to gain financial freedom and spent a lot of time to study this subject from the past 2 years. I realized that my best option actually is in the stock market. After many mistakes, I finally figured out the strategy that will work for me. However, I found 90% of the people I met only want real estate investment. It really make me sad that most Canadian are happy to become house poor with bad financial decisions. Many of them can't afford food with their big mortgage and still do it anyway. What is the root cause of it?

ProfessorShort6711

Most Canadian don't buy stock

/r/CanadianInvestor/comments/1g09gv7/most_canadian_dont_buy_stock/

1g0f3r5

Sorry if this question seems a bit random, but with banking stocks performing really well, does this mean people are more focused on saving rather than spending? Just curious if anyone has some industry insights to share. https://preview.redd.it/x6arzohahwtd1.jpg?width=1079&format=pjpg&auto=webp&s=e51d6268a93ddbf375abe5b809aec1cb27adbf0c https://preview.redd.it/urw3hthahwtd1.jpg?width=1080&format=pjpg&auto=webp&s=762ffea64640bf026ee907a8788e3dfc3804cd77

in5glaszc

Why are banking stocks doing so well?

/r/CanadianInvestor/comments/1g0f3r5/why_are_banking_stocks_doing_so_well/

1g0fa8b

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

OPINION_IS_UNPOPULAR

Daily Discussion Thread for October 10, 2024

/r/CanadianInvestor/comments/1g0fa8b/daily_discussion_thread_for_october_10_2024/

1g0fai3

Happy Thanksgiving ♥️ With love, the r/CanadianInvestor mod team.

OPINION_IS_UNPOPULAR

What Are Your Recipes for Today, Turkey Day, 2024!

/r/CanadianInvestor/comments/1g0fai3/what_are_your_recipes_for_today_turkey_day_2024/

1g0ihx3

SojuCondo

Seven & i Will Split Into Two to Fend Off Couche-Tard Takeover

/r/CanadianInvestor/comments/1g0ihx3/seven_i_will_split_into_two_to_fend_off/

1g0iwhj

Puginator

TD Bank faces $3 billion in penalties as part of US settlement, WSJ reports

/r/CanadianInvestor/comments/1g0iwhj/td_bank_faces_3_billion_in_penalties_as_part_of/

1g0lgq6

nimageran

Air Canada TA result

/r/CanadianInvestor/comments/1g0lgq6/air_canada_ta_result/

1g0o63n

Hi. I have the below portfolio with TD. I'm thinking that it is probably better to move most of it to Wealthsimple or to Qtrade or even to Desjardins. Let's say Wealthsimple for now. Is this advisable, or should I just keep it put where it is? If I should go ahead and move at least most of it, how do I do that without incurring losses? The types of funds and investments are as follows: a large amount of cash (CAD+US); a large investment under TFSA TD mutual funds (GL Equity/TD US DIV); a large amount under SDRSP TD Global/Canadian Equity Pools. If I should move the funds, what type of investments should I put them in with WS? Has anyone done that before? Thanks!

Historical_Pay_9825

Seeking Advice: moving funds from TD to WS

/r/CanadianInvestor/comments/1g0o63n/seeking_advice_moving_funds_from_td_to_ws/

1g0qxvs

Granite REIT completed a "merger" on October 8 where they replaced their stapled unit structure with a conventional REIT trust unit structure. I have the same number of shares for the same ticker symbol in my (non-registered) account as before, but the book value has been reset. The descriptions for the merger transactions include the phrase "IMMED GAIN/LOSS". Does this transaction result in a crystaliztion of capital gains such that this will be a taxable event this year? I called in to my (online) brokerage and they had no idea.

BBQallyear

Did Granite REIT (GRT.UN) "merger" this week trigger capital gains?

/r/CanadianInvestor/comments/1g0qxvs/did_granite_reit_grtun_merger_this_week_trigger/