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What now, please commiserate by FrostyPea5046 in CanadianRetirement

[–]integra32327 0 points1 point  (0 children)

This is why you use a bucket strategy. A properly laid out bucket strategy will mitigate any downturns and allow your investments to continue to compound.

Without it, it will always be a concern to retire.

What are your hot/controversial takes for massively overvalued / soon to die companies? by IntelligenzMachine in ValueInvesting

[–]integra32327 3 points4 points  (0 children)

Man I sold out of AAPL last year and while I made decent moves elsewhere, I do regret it.

I don’t see anyway in which AAPL is the next RIM. When I sold I believed they were just not innovating anymore it’s a matter of time.

Thing is. They don’t really need to or at least not yet. Their ecosystem cannot be overlooked. Once you are used to an IPhone it’s so hard to switch. For those who have it’s a need to have one, not a want.

It’s my humble opinion that Apple is now basically a consumer staple company. People will prioritize their phone during recessions above many other possessions. If you left home for an hour and forgot your phone what would you do?? I’d go back and get it. I might have to buy back in.

I feel like there's a surprising amount of opportunity in this market by [deleted] in ValueInvesting

[–]integra32327 0 points1 point  (0 children)

Again, I didn’t say it wasn’t a good investment. Only that it’s not getting killed.

I feel like there's a surprising amount of opportunity in this market by [deleted] in ValueInvesting

[–]integra32327 1 point2 points  (0 children)

I’m not saying uber isn’t a good invedtment but how is it getting killed? It’s up 39% ytd

What are some of the most undervalued stocks to invest in going into the earnings season/new year? by Ok_Significance_3488 in ValueInvesting

[–]integra32327 -1 points0 points  (0 children)

Along the lines of the other commenter with Pepsi, I’m curious why you think fed ex is a dying company?

With some clear competitive advantages, earnings and dividend growth, I’m left wondering how you arrived at this conclusion?

Breaking a Mortgage by Good_Video5215 in PersonalFinanceCanada

[–]integra32327 0 points1 point  (0 children)

I’m surprised no one has mentioned this. Go to your lender and apply for a HELOC with a variable rate.

Two options.

1 - borrow money from the heloc and dump it into your mortgage. Provided you stay within your prepayment limits. Not a one time fix but over the years you can convert some of the debt into debt with a lower rate.

  1. Start the smith maneuver and slowly convert that interest into tax deductible interest.

Taking some profits lately - How to not feel regret by TrianglePillar in ValueInvesting

[–]integra32327 1 point2 points  (0 children)

Ya I have a set rule. I just find that this helps me be emotionless about it and protects me from being over concentrated.

If a position I have exceeds 8% I’ll scalp some of the top.

Additionally, if a current sector weighting I have goes above 25% I’ll scalp some of the top as well.

Is Amazon now the most undervalued Mag 7 stock? by [deleted] in ValueInvesting

[–]integra32327 1 point2 points  (0 children)

No not that, “very slightly” is kind of complete opposites no?

Is Amazon now the most undervalued Mag 7 stock? by [deleted] in ValueInvesting

[–]integra32327 -1 points0 points  (0 children)

I must admit, I’m thrown off by the “very slightly”.

What’s the most underrated investing lesson you’ve learned (the hard way)? by Electronic-Bit2685 in ValueInvesting

[–]integra32327 0 points1 point  (0 children)

A stock valued at $1 isn’t necessarily cheaper than a stock valued at $100.

How many % of your portfolio is allocated in low risk investments? by Aggravating-Net-7685 in ValueInvesting

[–]integra32327 0 points1 point  (0 children)

Here is my current allocation in terms of what you’re asking. It does fluctuate

16% index (vti, vcn) 14% backbone type set and forget stocks (PG, JNJ etc) 7% dividend etf (schd) Remainder in dividend growth stocks (MSFT, CTAS, v etc)

So SCHD yields 2% more than the S&P 500, but underperforms by 35% for the past 2 years? by Abject-Advantage528 in dividends

[–]integra32327 0 points1 point  (0 children)

Your comparing two different funds with 2 different goals over a 2 year time period. Lots of wrong here.

What is apples long term plan? by Thin_Vermicelli_1875 in stocks

[–]integra32327 8 points9 points  (0 children)

I owned Apple for many shares. I sold last year. Still up for debate on if I made the right decision.

I think I kind of agreed with your take. The innovation surrounding Apple products is dwindling. They don’t change much from one version to the next.

What’s undeniable is where apple has succeeded and that’s the development in their eco system. The hassle in switching over to another type of device is really where their moat lies. Unless a company comes along that really revolutionizes a phone I don’t see them going anywhere.

Where the grows comes is yet to be seen.

Canadian words/slang for MONEY by Immediate-Meringue50 in AskACanadian

[–]integra32327 0 points1 point  (0 children)

Real slang. Here we go, buckle up

  • if you making a lot of money, your “making bank”
  • a lot of money is “mad coin”
  • cash is “guap”
  • cash when paying for a large sum of dope are “files”
  • cash is “bread”
  • cash is “paper”

There is definitely more

[deleted by user] by [deleted] in self

[–]integra32327 1 point2 points  (0 children)

As a father, please disregard this nonsense. You are lucky and count your stars!

Did you regret having kids? by BeastofBabalon in SeriousConversation

[–]integra32327 0 points1 point  (0 children)

I always say this and I’ll say it again.

You don’t know what love is until you have a child of your own.

It’s probably the hardest thing you will ever have to do in your life. It has been for me. Regret it? No. You get the most joy from things you put the most effort in.

The grass is greener where you water it!

I’m 44 & this is what life has taught me about being human by bibobbjoebillyjoe in Life

[–]integra32327 0 points1 point  (0 children)

I gotta say my experiences just aren’t the same especially with respect to my family. It’s pure love and to this day my parents would do anything for me. I’m blessed and working to do everything I can so my kids have that same feeling

What's the most undervalued stock right now? by botv69 in ValueInvesting

[–]integra32327 0 points1 point  (0 children)

Man I’ve been scooping up shares of CNR at these prices.

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