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  • Tax filing for couch potato investing in non-registered account

    I've finally filled up my TFSA and RRSP, as well as my daughter's RESP. I have a moderate amount (50k-100k) of money that I want to store in a non-registered account. I'm planning on buying something like VBAL, as I do have a high tolerance for risk. Now the question is: has anyone done taxes at yea...

  • Investing in US long term Government Bonds

    Is there a way to invest in US long term Government Bonds within RRSP? The 20 years bond yield is around 4.5%, that's a pretty good rate. I want to lock in the rate. I know you can buy bond ETF, but look at TCLB for example, the 3 yrs performance is -9.84%. Am I missing something? I can buy GIC as w...

    • li_jianrfd
    • Aug 21st, 2023 1:50 pm
    • Forum: Investing

  • Investing in a legal bsmt apartment?

    Hi all. I am considering borrewing money for my heloc to legal my bsmt. I have rented many times in past my last home. My current home never rented and no sep entrance or even a kitchen in bsmt. My thinking is with high interest and my mortgage doubling now might be worth re visiting renting bsmt. H...

    • Sach78
    • Aug 19th, 2023 12:25 am
    • Forum: Real Estate

  • Paying down a Mortgage vs Investing - Can someone double check my math here?

    Hi RFD, Trying to figure out, mathematically, what is the ROI needed in investing for it to be better than paying down a mortgage with a lump sum. Would appreciate if folks could poke holes in my analysis. Hypothetical Scenario: - $500,000 mortgage at 6% at ...

    • ah_b
    • Jul 25th, 2023 10:22 pm
    • Forum: Real Estate

  • Easy transfers between saving account TFSA and investing TFSA (different institutions)

    I want to have a savings account TFSA at EQ or Oaken (good rates), and a direct investing TFSA at RBC or TD. I'd like to be able to easily transfer my money from the savings account TFSA to the direct investing TFSA when the opportunity arises (I see a good investment ...

    • dentalfloss
    • Jul 15th, 2023 3:58 pm
    • Forum: Personal Finance

  • Investing to generate cash flow

    I am in my mid 40s and have a DB pension that will provide me 70% of my pre-retirement income at time of retirement. I also have about 100k in RRSP. I have no debt. I have about $600k cash and want to invest it to generate cash flow. Obviously I would like the 500k to outpace inflation, but it's not...

    • jcremer2007
    • Jul 10th, 2023 4:34 pm
    • Forum: Personal Finance

  • Better to max out RRSP before investing in unregistered account?

    Given that unclaimed RRSP contributions can be claimed in future years, does it make sense to always max out RRSP before starting an unregistered investing account to hold/trade stocks? Have a lump sum to invest and thinking to put it all in RRSP then slowly claim as much RRSP contributions in ...

  • Keep investing savings in Mutual Funds vs Investing savings in Rental Property

    I'm a newbie and I have a dilemma whether I should keep investing in mutual funds TFSA or use the money to buy a rental property. I'm self employed so since I have no real pension at retirement, I started saving in a TFSA mutual funds for the past few ...

    • ty666666
    • Apr 3rd, 2023 1:59 am
    • Forum: Investing

  • Zero Knowledge about Investing

    I have zero knowledge about investing. I should get a LIRA soon. I am afraid that this money value will be lost with years due to inflation. How can I invest and get 7-10% yearly growth? I am 48 years old and does not want to risk my money. ...

    • covergirl
    • Mar 28th, 2023 4:42 pm
    • Forum: Personal Finance

  • Learning about US real estate investing

    I've heard a few podcasts about investing in US property for investment/rental. i have zero experience with the real estate investment property but looking for any advice on how i should educate myself. What are the basics i should know, ...

    • sketty55
    • Mar 22nd, 2023 7:22 pm
    • Forum: Real Estate

  • Cross border investing questions

    Newbie questions - Thanks for your patience. Planning on opening a Canadian online brokerage account with RRSP's and TSFA's for the wife and I. Not planning on day trading or options, or individual stock. Primarily ETF's. Wife gets paid in USD to a US bank account and has US SSN. We are using RBC as...

    • jptbay
    • Mar 4th, 2023 4:40 pm
    • Forum: Investing

  • School Homework - Suggestion on investing $10K :)

    Kiddo has school homework (see pic below). What are your thoughts on this? What would you do with the 10K if you were a 17 year old?

    • cessnabmw
    • Feb 21st, 2023 1:00 pm
    • Forum: Investing

  • Trading vs. Investing taxes

    ... trading in stocks and options in August of that year. I have net losses from trading but my main source of income that year was the proceeds from investing in crypto (held for >1year) and teaching music part-time. I traded very actively, racking up about 400 trades from Aug to Dec. I have some ...

  • Paying down mortgage (5.55% currently) vs. Investing in S&P500 via TFSA in 2023

    Which would you do if you had extra cash flow in 2023?EDIT: Let's say the time horizon is 5-10 years, with the goal of upgrading my principal residence.

    • clutch31
    • Jan 31st, 2023 9:13 am
    • Forum: Investing

  • [Vancity] Deposit $1,000, get $300 - Socially Responsible Investing (Ends April 30, 2023)

    How to get your bonus. 1 Meet with us Book a phone appointment with a wealth professional. 2 Invest $1,000 or more Transfer funds into an eligible account by April 30, 2023. Only eligible with new deposits.¹ 3 Receive your bonus We'll deposit your bonus by October 30, 2023. New invesment Bonus $1,00...

    • dzklavier
    • Jan 27th, 2023 11:43 pm
    • Forum: Expired Hot Deals

  • Investing in RE vs stock

    ... I find that maybe it doesn’t make too much sense for me to invest in RE. To all RE investors in this forum, can you educate me why you think investing in real estate is better than in stock? Except that it’s way way way cheaper to leverage in RE using mortgage, rather than a margin loan. ...

    • Harmlessrfg
    • Jan 25th, 2023 12:22 am
    • Forum: Real Estate

  • Auto investing in ETF from RESP - Questrade account

    Hi , I recently opened RESP account in Questrade , and I want to automate the contributions (for example 200$ every month to XGRO or XEQT) .In my opinion monthly contribution instead of yearly one time contribution will reduce some impact of market fluctuations. please suggest if there a way to do t...

    • stevesingh
    • Jan 23rd, 2023 2:31 pm
    • Forum: Investing

  • Paying down mortgage vs Investing

    My mortgage is roughly $950k (Primary residence) and interest rate close to 6% (mortgage broker strongly recommended to go with variable last year) now we are paying the price in increased monthly amounts. We purposely bought a home significantly below the amount we qualified for pre-mortgage so the...

  • Investing newsletter tax deduction

    Dumb question: If I subscribe to an investment newsletter that costs thousands annually, can that go towards a tax credit as an expense? Or offset capital gains to reduce taxes from capital gains? Reasoning behind my question is if you were a real estate investor, any related expenses can be deducte...

    • sirLYZ
    • Jan 10th, 2023 9:22 pm
    • Forum: Investing

  • Investing kids money

    My 11 year old son won $9,000 in a football pool. I want to put it in like a growth ETF? I assume kids cannot have an investment account in their own name? We contribute $2500 per kid per year to their RESP. What are my best options in this scenario?

    • mt99808
    • Dec 20th, 2022 10:56 pm
    • Forum: Personal Finance

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