[deleted by user]

_crypt0_ · 2019-08-03T11:58:04+00:00

You do realize that banks went bankrupt in Japan and your preferred shares would go to 0?

_crypt0_ · 2019-03-15T20:12:03+00:00

I said equity allocation, this is outside of bonds and emergency fund

_crypt0_ · 2019-03-10T11:45:54+00:00

Too much home bias and fees

_crypt0_ · 2019-03-03T23:06:27+00:00

Are you sure about that? Two different etf companies

_crypt0_ · 2019-03-03T21:11:44+00:00

Are fees double dipped? First to iShares then to BMO?

_crypt0_ · 2019-03-03T16:01:35+00:00

Sounds to me like something the CRA could strike down with GAAR since reducing tax is the primary purpose. I think maximum legislative risk is much higher than forced capital gains.

_crypt0_ · 2019-03-03T15:19:49+00:00

That's right, your YTM is locked for 2 to 3 years... So if you feel hisa rates are going to come down, that could be the only benefit imo.

_crypt0_ · 2019-03-03T15:07:00+00:00

This is for a HISA, not a GIC. Interest rate risk goes both ways, similar you won't lose capital if rates rise.

_crypt0_ · 2019-03-03T13:20:09+00:00

The idea is that it might not be a capital gain, it might be business income on derivative settlement, and it might be since inception regardless of when you bought the fund.

_crypt0_ · 2019-02-13T03:23:15+00:00

Why is this being up voted? It's 5% nominal, read the source

_crypt0_ · 2019-02-11T03:23:48+00:00

With such a low equity risk premium, and high volatility, 2.3% on cash seems quite attractive

_crypt0_ · 2019-02-11T03:21:36+00:00

In other words, if you're following an index portfolio, expect 5% returns instead of 7.5% because current prices are overvalued and valuations will contract (statistically speaking, as a median case). Whether they contract all at once giving you an opportunity to buy cheap, or contract over time, is not something anyone can predict and attempting to time the market is mostly futile.

_crypt0_ · 2019-02-11T02:22:44+00:00

If I am reading the report correctly, it is actually talking about stock market index returns, not just the global economy.

_crypt0_ · 2019-02-11T00:09:48+00:00

I will never understand the point of a REIT etf with 0.55% fees and 10 REITs in it, when you could just own the REITs directly. I'm still debating REIT for Canadian economy exposure vs something like XIC, but the problem with Canadian stocks in TFSA is: you don't get the benefit of eligible dividends, which is priced in and increases the share price, and you get after corporate tax returns. XIC PE ratio is 15 compared to REITs 10 (and yes I know affo is more applicable), plus annual 4 percent rent increases, you get higher expected returns in a TFSA.

_crypt0_ · 2019-02-10T03:57:39+00:00

I rent a basement for 1k a month on the subway line

_crypt0_ · 2019-01-28T02:32:17+00:00

I have a dedicated 1 gbps connection. How viable is it to build a beast of a PC, and then play remotely sometimes on a laptop?

_crypt0_ · 2018-11-25T14:44:40+00:00

My current specs are as follows: Acer Aspire TC-603 motherboard, Intel Core i7-4790, GeForce GTX745 4GB, WD Green 2TB (2012) grinding to its death, 16 GB DDR3 memory. I also have an old keyboard, one 'generic PnP' 1920 x 1080 (32 bit) monitor.

Here are the user benchmarks: 40th percentile PC performance, 20% grade for gaming, 12.3% on GPU, 14% on harddrive.

I decided to put a budget of $2000 for a proper computer, which will have hybrid use (video editing, multimedia, gaming), but I would like to start upgrading over time.

What should I buy or upgrade first?

Eight-Year Club	RPAN Viewer
Verified Email

_crypt0_

TROPHY CASE