longforecast.comApr 2021 Long Forecast
The Economy Forecast Agency is independent from any banks, funds and other market players. --
ratehub.caApr 2021 How CDIC/CIPF works
CDIC protects deposits in some Canadian institutions up to $100,000 per category, per bank. If you had an RRSP, a TFSA and a savings account, each with $100,000 cash-equivalent, your deposits would be fully insured.
CIPF protects investments (stocks, bonds, mutual funds, etfs) held on your behalf by some Canadian institutions. CIPF protection covers up to $1-million of RRSP accounts, plus $1-million worth of RESP accounts, plus $1-million worth of other accounts, per person per investment dealer. --
financialwisdomforum.orgApr 2021 Discussion of TDB8150 HISA
The yield can change at any time but the $10/unit price is protected up to the $100,000 CDIC coverage. The 100k CDIC protection is multiplied by each CAD$ savings account offered by a different entity, so each of [TDB8150, TDB8155, TDB8157, TDB8159] will be protected up to 100k. --
finiki.orgApr 2021 High-Interest Savings Accounts
Fund-based savings accounts are offered by discount brokerages as alernatives to money-market mutual funds. They are bought and sold as mutual fund units, usually of $1 or $10 value, but actually represent a CDIC-insured savings account (if denominated in Canadian dollars). These accounts can be used to store free cash in brokerage or registered accounts. They are often more convenient than Guaranteed Investment Certificates or Treasury bills. --
investopedia.comJun 2016 Management Fees v.s. MER
The management fee encompasses all direct expenses incurred in managing the investments such as hiring the portfolio manager and investment team. Note that the cost of buying or selling any security for the fund is not included in the management fee. Rather, these are transaction costs and are expressed as the trading expense ratio in the prospectus. Together, the operating fees and management fees make up the MER. --
canadiancouchpotato.comJun 2015 Should You Replace Bonds With Cash?
No. Bonds tend to have negative correlation with equities during times of market turmoil. --
canadiancouchpotato.comJun 2015 Rebalance Your Portfolio
At least once per year, sell some (stock or bond) and buy the opposite, to return to your target allocation (i.e. 60% stock, 40% bond). One of the benefits of rebalancing is that it encourages you to buy low and sell high. Alternatively you could achieve rebalancing via new contributions. --
canadiancouchpotato.comJun 2015 Model Portfolios
Option 1: Tangerine Investment Funds (simple).
Option 2: TD e-Series Funds (moderate).
Option 3: ETFs (complex).
The three largest ETF providers in Canada (iShares, BMO and Vanguard) all have a range of low-cost products.
On the aggressive side of conservative, you might have 33% in bond ETFs, 33% in canadian equity ETFs, and 33% in non-canadian equity ETFs. --
canadiancouchpotato.comJun 2015 Don't buy "CAD Hedged" index funds.
If the S&P 500 returns 10% for US investors, a currency-hedged S&P 500 should also deliver 10% in Canadian-dollar terms, regardless of whether the loonie rose or fell during the period. When we speak of the Canadian dollar falling, this implies an increase in the value of foreign currencies by comparison. So if you are exposed to US and international currencies in your portfolio, you will benefit from that increase. The worst time to use currency hedging is when the Canadian dollar is falling. If you believe the Canadian dollar will be rising, you can theoretically protect yourself with a "CAD Hedged" fund, but the tracking error, maintenance cost and volatility cause the attempt to yield poor results. The currency-hedged iShares Core S&P 500 (XSP) delivered no benefit at all from 2006 through 2011, even though the Canadian dollar rose more than 14% during that period. --
cbc.caFeb 2015 The Secret World of Gold
A documentary exploring the power and politics of gold. --
investopedia.comOct 2013 The difference between a stop and a limit order.
With a stop order, your trade will be executed only when the security you want to buy or sell reaches a particular price (the stop price). Once the stock has reached this price, a stop order essentially becomes a market order and is filled. A limit order is an order that sets the maximum or minimum at which you are willing to buy or sell a particular stock. The primary advantage of a limit order is that it guarantees that the trade will be made at a particular price. --
demonocracy.infoJan 2013 Gold - Visualized in Bullion Bars
Infographic on Gold size chart, gold bullion, price, gold standard, world government gold reserves, gold's density, weight & value --
theaureport.comDec 2012 Porter Stansberry and the Fiscal Cliff
"...and will continue to do so because voters demand more from the government and voters demand that they not pay. That will continue until the system completely collapses." --