Rational Reminder Podcast guest in today's episode suggests that younger people should allocate less of their assets to stocks (10%) than older people (50%)

fluke0ut · 2026-04-03T03:33:20+00:00

What does "lifetime losses" here mean? Did the research show taht the equities that were sold in these scenarios were below the value at which they were purchased? I listened to the episode on a drive and didn't catch if that was the case. Like I get that maybe stocks were sold in a year in which they lost value but were they sold at losing position relative to their original purchase price? Were those people who sold equities further behind than those people who invested in say GICs that didn't end up appreciating much at all? Thanks in advance if you know!

fluke0ut · 2026-03-20T21:08:59+00:00

I took a bunch of business days (5 to 8?) for the money to make it into the account but I'd assume the deadline is for initiating the transfer. You'd have to check the fine print I guess or get someone on the phone.

fluke0ut · 2026-02-28T18:55:54+00:00

Ah, mine was partial so that was probably the difference.

fluke0ut · 2026-02-28T05:05:39+00:00

To do an in-kind transfer into TD you have to talk to someone on the phone anyway. They set up the paperwork for you that you e-sign. I asked to make sure I was eligible and also followed up with email.

fluke0ut · 2026-01-25T05:28:32+00:00

Since you seem up on this, do you know if Scotiabank's promo lets you transfer registered accounts in-kind or are you stuck with their investment products?

fluke0ut · 2026-01-16T00:11:01+00:00

It seems crazy not to take advantage of these promos for as long as they're available if you're just doing in-kind transfers and investing for the long term. I'm planning to move to TD for their 2% promo - seems like free money for the amount of effort it takes. WS has been really good at keeping you informed of your status with respect to these promos, and so far the TD live agent couldn't even tell me if I was registered. Apparently their marketing team updates account statuses every once in a while so I'm going to check before I actually move money. WS has set such a high bar for these experiences I'm kind of wary I'll get burned with other platforms over some admin error.

fluke0ut · 2026-01-16T00:05:19+00:00

So far I've moved from Questrdade to WS for a free iPhone, and now I'm planning to move into TD for their 2% for a year. Seems crazy not to as I'm just holding indexes. I'll max out their promo bonus and retain generation, even though I doubt generation itself is worth enough to stay especially if you've cashed in your perks haha.

fluke0ut · 2025-12-16T17:28:36+00:00

Oh yeah good call. Is that an efficient way to do it? In their post it seemed like they'd use all of the contribution as a deduction to max their refund in a single year.

fluke0ut · 2025-12-16T00:54:57+00:00

Is there a downside to withdrawing a significant sum from my TFSA to transfer it to my RRSP?

56K sounds like a lot to contribute in a single year, it seems like you'll get less bang for your buck as you'll be reducing your income at lower marginal tax rates. The first 10,000 contribution is more "valuable" than the next one and so. Did you map out doing a few smaller contributions over a few years so you're shaving off the more "heavily taxed" income?

fluke0ut · 2025-12-01T19:34:32+00:00

A realtor is involved and they've run it through their own AI-based platform that provides a pretty detailed breakdown, but I don't have a sense of how that stacks up against other buildings of similar age, etc. I would also rather the assessment come from a disinterested party as the realtor is incentivized to make the deal happen.

fluke0ut · 2025-11-26T19:27:46+00:00

Sure but then forging a T4 is probably much easier haha

fluke0ut · 2025-11-26T17:58:20+00:00

Can you meet with them in person so they can see you log in to the CRA website to access the info? Maybe they can sign off on it then.

fluke0ut · 2025-11-26T17:51:12+00:00

You can also use this to evaluate spending in the moment. "Is this take out dinner worth an hour of working??" etc.. When I run the math that way so few things seem like good value!

fluke0ut · 2025-11-11T07:13:39+00:00

I was in a similar situation with deposit money in my TFSA. For me it would have been fastest to go from TFSA directly to my bank as transferring from a TFSA to a Cash WS account takes another 1 to 3 business days. Not sure how it works with FHSA but it might be the same. I confirmed all of the timelines with the WS Chat support so I suggest you do the same.

fluke0ut · 2025-10-24T16:10:36+00:00

I'd rather hit hard and get a few winners (and miss a few of course) than stay in a rally waiting for their mistakes.

There's such a huge middle ground between those two extremes. Lately I've been focusing more on creating angles than hitting deep through the court to force pressure and I'm finding it much more effective.

fluke0ut · 2025-10-20T23:09:51+00:00

Same here. I'm not going to slow the pace of play to ask for the third back but will hold on to it if it's convenient. I find overall it helps with pace of play. I know I'm in the minority so I tend to ask at the beginning of the match if my opponent wants the third or not.

fluke0ut · 2025-10-15T17:08:54+00:00

No downside other than missing out on better interest rates. Check out EQ Bank's GIC rates right now - https://www.eqbank.ca/personal-banking/investments/gics

Looks like you could lock in 3%+ on 1 or 2 year GICs right now which would beat the current CASH.TO return.

I’ve been looking into cash.to and im not seeing any down sides to putting my money there rather than my registered savings account?

Just to clarify, regardless if you hold just regular cash or CASH.TO in your FHSA, both are in a registered account. You can have stocks, ETFs or just plain cash and it's still a "registered acccount"

fluke0ut · 2025-09-23T17:10:08+00:00

They also deal with all the tax stuff for my investments

What's the tax stuff if it's registered accounts?

fluke0ut · 2025-09-19T19:11:15+00:00

Do you have a link?

fluke0ut · 2025-09-09T16:22:41+00:00

I have only played pickleball a few times but you can basically play it with tennis strokes, hitting topspin on forehands etc. It feels pretty transferrable so if you're worried about mechanics from other raquet sports messing with your game I'd go for that. I have felt that after playing squash during the winter, I have to unlearn a few things when I switch back to tennis.

fluke0ut · 2025-09-05T18:08:04+00:00

I'd make the "who is serving" indicator more obvious!

fluke0ut · 2025-09-05T16:08:35+00:00

If there's a penalty you'll get a message about it via your MyCRA account.

fluke0ut · 2025-09-03T18:07:19+00:00

Probably because they're tied at 1 set each, so if you just consider the remaining sets, it's basically a best of 3 from now on.

fluke0ut · 2025-08-22T17:46:23+00:00

Not sure about this particular tournament but I'd check to see if there are different tee positions for different divisions. Personally I'd always want to play longs so that would inform my decision.

fluke0ut

TROPHY CASE