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02-21-2021, 11:20 AM
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Join Date: Mar 2013
Location: Cluny AB
Posts: 339
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Investing for retirement, what you do, need ideas
So iv hit a age were, iv started thinking about money and what I'll do when I can't work anymore due to age or won't want to any more. I'm starting late but, it never to late iv heard.
Iv decided that 10% or any incoming money will be invested, even money from bottle returns.
Then I split the 10% 5% stocks and 5% crypto ( eth and btc) and stocks mostly ones that have a quarterly return.
I'm not to worried about stocks going up and down short term cause I figured that in ten years they should go up no matter what. Then returns from quarterly pay outs I will put in a tfsa., does this sound like a decent plan. I'm Interested in hearing what other people do or idea how to tweak my plan.
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Carpe Diem.
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02-21-2021, 11:37 AM
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Join Date: Dec 2008
Location: Alberta
Posts: 24,067
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People have to do what works for them. There is no formula.
The only sure way to have money put aside is to control spending and work.
Everything else is a lottery.
When I hit a certain amount in my savings every damn time I went into the bank the tellers were asking about my investments.
'You should set up a meeting with our investment team'
'Have you got your RRSP'S done for this year's?
I go in for a deposit into my account after being at the same bank for 40 years and the recently relocated 30 year old filipino is telling me what I should do with my money. (Dont read into that, half the tellers at my bank are ftw's from the Philippines).
I had phone calls from the bank constantly wanting me to meet with an advisor, and trust me it is not a lot of money. The last time it happened after telling them to never ask me again I called for a manager, and told her to close my personal and corpor6accounts immediately. I was just plain tired of it. She put a note on the computer and they have not asked me since.
People with a million dollars in their account must need a secretary just for the calls from investors.
If you have spare money to gamble with by all means go for it, but remember every investment banker or advisor is paid on commission. They are there to make their company money off your money and give you a little portion back.
Personally I prefer having full access to my money without penalty or permission, if I see something I want I take my cash out. Locking in my money for a year for 1.5% makes no sense at all to me.
It may work for others though.
__________________
Only dead fish go with the flow. The rest use their brains in life.
Originally Posted by Twisted Canuck
I wasn't thinking far enough ahead for an outcome, I was ranting. By definition, a rant doesn't imply much forethought.....
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02-21-2021, 12:13 PM
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Join Date: Jul 2012
Location: one Fort or another
Posts: 768
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We are now in a very screwy global financial situation, which is unlike anything most have seen in this lifetime. So the rules of 'investing' have sort of disappeared and it's turned into a free-for-all. It's a bad situation for subjecting your savings/profits to risk.
The worst is the huge amounts of debt and 'money printing' that has occurred in the last 10 years, as well as artificially low interest rates that mask the real cost of money and associated risks. The dynamics have all changed, capital ownership has become hugely more concentrated, poverty widespread, and government involvement in everything more extensive.
There is still the tax-postponement or tax-avoidance nature of RSPs, but once the money is in there, it should not be subjected to much investment risk. TSFAs could be used if there is some kind of lower risk investment where you want to protect profits from tax, but you'd lose much faster from capital loss than any tax on potential profits.
Problem is, cash is losing to the 'inflation-tax' too. The government(s) stealth tax called inflation is set up to maintain social programs without huge tax increases, and to pay for last years debt and deficit with next years cheaper, inflated, worthless money.
A lot of things like the stock market, bond prices, some commodities, and consumer basics continue to shoot the moon despite bad global economies everywhere, small business collapses, and pandemic unemployment. That's solid evidence of inflation, despite government-reported inflation statistics.
Probably the best strategy in the foreseeable future is to stay conservative, diversified, and use bull call spreads on liquid titles that seem to be going up in 'rising tide lifts all boats' mode. XOM, F, and CPG.TO have recovered a bit in the last couple of months. Maybe in a pullback a b.c.s. on those could be good. If you were a HODLER of ether or bitcoin, and did your own mining, then it would be good to continue in it. But dumping after-tax fiat savings into crypto-currency speculation at this point is just plain wrong. And difficult, because there's significant account restrictions and tax implications now on flipping back and forth between fiat and crypto-currencies.
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02-21-2021, 12:20 PM
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Join Date: Mar 2008
Location: Caroline
Posts: 7,530
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Fill your TFSA and invest with it
__________________
Two reasons you may think CO2 is a pollutant
1.You weren't paying attention in grade 5
2. You're stupid
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02-21-2021, 12:58 PM
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Join Date: Feb 2008
Posts: 3,150
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Max out TFSA. Best return vehicle out there. Thank the Harper administration for this Investment account. Was at $11,000.00/yr. liberals and a Trudeau didn’t want people being control of there money. So liberals cut this program in half to $5500.00 max. Now it’s $6000.00. Liberals want middle class to rise, yet take away the vehicles that will allow them to prosper. The East keeps voting in these goofs.
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02-21-2021, 03:04 PM
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Join Date: Apr 2010
Posts: 2,922
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Quote:
Originally Posted by MountainTi
Fill your TFSA and invest with it
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x2
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02-24-2021, 06:41 PM
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Join Date: Nov 2017
Posts: 60
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Quote:
Originally Posted by FCLightning
x2
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x3
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02-21-2021, 03:12 PM
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Join Date: Oct 2012
Posts: 4,032
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Quote:
Originally Posted by Ken07AOVette
People have to do what works for them. There is no formula.
The only sure way to have money put aside is to control spending and work.
Everything else is a lottery.
When I hit a certain amount in my savings every damn time I went into the bank the tellers were asking
about my investments.
'You should set up a meeting with our investment team' 'Have you got your RRSP'S done for this year's?
I go in for a deposit into
my account after being at the same bank for 40 years and the recently relocated 30 year old Filipino
is telling me what I should do with my money. (Dont read into that, half the tellers at my bank are ftw's
from the Philippines).
I had phone calls from the bank constantly wanting me to meet with an advisor, and trust me it
is not a lot of money. The last time it happened after telling them to never ask me again I called for a
manager, and told her to close my personal and corpor6accounts immediately. I was just
plain tired of it. She put a note on the computer and they have not asked me since.
People with a million dollars in their account must need a secretary just for the calls from investors.
If you have spare money to gamble with by all means go for it, but remember every investment banker
or advisor is paid on commission. They are there to make their company money off your money
and give you a little portion back.
Personally I prefer having full access to my money without penalty or permission, if I see something
I want I take my cash out. Locking in my money for a year for 1.5% makes no sense at all to me.
It may work for others though.
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There is some real Gold above, he who hath common sense ears to hear..
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02-21-2021, 03:23 PM
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Join Date: Jun 2007
Location: Edmonton SW
Posts: 1,565
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Open a TFSA or a trade TFSA. Buy and hold stock in a TFSA and reinvest the dividends directly back into your TFSA. Kills both of your needs at one time. Fill the TFSA first and get it to max contribution first.
Then open a RRSP account. Can be an investment RRsP account or it can be a RRsP Trading account like the trading TFSA. RRSP allows you to leverage a tax reduction on the income you earn per year.
I use Wealthsimple app for my trading / stocks in a TFSA account (buy and hold and re-invest dividends into the stock within my TFSA). Growth and earnings are tax free... but you can not treat your trading TFSA like a business and buy sell buy sell buy sell like a swing trader would.
I use Edward Jones and Canaccord Genuity for majority of my RRSP (accumulated over the years from employment matching plans and transferred out to them to manage). I must admit that I also have some money invested in my other Wealthsimple account that is a trading RRSP account. This one I use for doing swing trades quick buys and sells when stock goes up fast.
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02-21-2021, 03:49 PM
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Join Date: Oct 2010
Location: central Alberta
Posts: 12,630
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Said in jest, sort of. A good investment might be to buy that therapeutic bed and mattress, the walk in bath tub, and stairway rail chair now. Think of everything you will need at home when you are old and invest in those things now. Or when you get old those things will be so expensive they will chew up your investment dividends.
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This country was started by voyagers whose young lives were swept away by the currents of the rivers for ten cents a day... just for the vanity of the European's beaver hats. ~ Red Bullets
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It is when you walk alone in nature that you discover your strengths and weaknesses. ~ Red Bullets
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02-21-2021, 04:41 PM
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Join Date: Feb 2011
Location: Grande Prairie
Posts: 779
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Pay off all non-mortgage related debt. If you have employer matching RRSP, do that. Invest it in an index tracking fund. Mine RRSP is with RBC (I hate the bank but have to be with them due to the work plan). Open a TFSA, max it out or do the best you can and invest it in an index tracking fund. Tangerine has some low MER ones if you like to set and forget. Wealthsimple has some and Questrade offers something similar if you like as well. I've always figured 10 - 15% of you net income invested will lead to a comfortable, though not lavish retirement and an enjoyable life if you're able to live within your means and avoid debt.
5% of my paycheck is deducted by my employer and put into an RRSP invested in an index fund focused on equities. My employer fully matches my 5%, so that's easy money and investment returns are a bonus. If I didn't have the employer matching, I'd be putting it all into my TFSA. I don't like RRSPs otherwise. 10% of the remaining income is put into my TFSA and invested also in an index fund portfolio focused on equities. 5% of the remainder goes into personal/household investments: long term food, medical supplies, tools, reloading components, additional training/courses etc. Every income tax return and unexpected windfall (super rare) is put against the principal of my mortgage.
I have a roughly 30 year investment horizon so I'm comfortable with the higher risk of being fully in equity investments. I do want to start buying some gold but it'll have to be a work in progress given the high price per oz and the difficulty in buying fractional amounts. I'll probably slowly starting buying gram gold, then sell it to buy an ounce when I have enough then repeat. It'll be no more than a few percent of my income though.
Last edited by Outbound; 02-21-2021 at 04:48 PM.
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02-21-2021, 06:39 PM
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Join Date: Jul 2010
Location: Edmonton
Posts: 11,939
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Quote:
Originally Posted by Ken07AOVette
People have to do what works for them. There is no formula.
The only sure way to have money put aside is to control spending and work.
Everything else is a lottery.
When I hit a certain amount in my savings every damn time I went into the bank the tellers were asking about my investments.
'You should set up a meeting with our investment team'
'Have you got your RRSP'S done for this year's?
I go in for a deposit into my account after being at the same bank for 40 years and the recently relocated 30 year old filipino is telling me what I should do with my money. (Dont read into that, half the tellers at my bank are ftw's from the Philippines).
I had phone calls from the bank constantly wanting me to meet with an advisor, and trust me it is not a lot of money. The last time it happened after telling them to never ask me again I called for a manager, and told her to close my personal and corpor6accounts immediately. I was just plain tired of it. She put a note on the computer and they have not asked me since.
People with a million dollars in their account must need a secretary just for the calls from investors.
If you have spare money to gamble with by all means go for it, but remember every investment banker or advisor is paid on commission. They are there to make their company money off your money and give you a little portion back.
Personally I prefer having full access to my money without penalty or permission, if I see something I want I take my cash out. Locking in my money for a year for 1.5% makes no sense at all to me.
It may work for others though.
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I agree everyone should stick to doing what they are comfortable doing first and foremost - NOBODY should be risking anything they can't afford to loose HOWEVER ....
Here are some of my thoughts ......
- Leaving money in the "bank" in a saving account will NEVER allow you to build wealth .......you should, at the very least use your TFSA to invest on low risk mutual that are heavily weighted in bonds (at the very least) instead of collecting simple interest where you are actually "loosing" value over time as any "gains in interest" you think you are making are easily outstripped basic inflation. This is a Fact. It is easy to verify on the intranet so don't take my word for it - it is what it is. Banks don't loose. This is one reason why.
- ALWAYS avoid high interest debt, and live within your means, it always seem so crazy to me who people who worked for me, and made far less money, had bigger homes, fancier cars, more toys compared to me - but at age 39 I had no mortgage and zero debt and haven't looked back once. Having said that, mortgage debt is low interest and many investments return at a higher rate (positive$) compared to the added interest (negative$) - so I have advised my friends and family to carry a mortgage and invest into equities if you are aged 20-40 for sure). This is another topic - but it worked for me, and doing this paid off my mortgage in 7 years for me (that otherwise would have lowered my P&I over that same term).
- INVEST smartly and diversify - personally I have some real estate stuff me and my partners do, some mutual funds, some straight equities, and maintain a little bit of cash. I'd say it's, by percentage 30/30/30 with 10 percent cash in my case. The cash makes me no money, but if my (or one of my kids) roof leaks, furnace goes, car engine blows, I want a vacation, etc...etc.. I can pay for it.
Needless to say - don't get advice on a Forum. Everyone is an expert. I am just offering you my 2 cents, and what I say is nothing but 2 cents and my sincere opinion - but do what you want and be comfortable doing it.
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02-21-2021, 07:08 PM
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Join Date: Jul 2009
Location: North Sask.
Posts: 350
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What's your time horizon?
What's your risk tolerance?
Certified Financial planners will probably recommend a 60/40 portfolio.
Many now are suggesting staying away from the 40% bonds because of impending Bond crisis(debt).
I would recommend maxing out your RRSP, and rolling your tax return into TFSA.
This is what I would do...but I am not a CFP....so caution on taking this advice.
Right now I would recommend 10% physical Gold and Silver in form of CEF(Sprott Fund).
40% cash. ( In case of deflation). If there is a correction or crash you can buy the bottom.
I would also recommend 5% B.M.O etf ZTL (U.S Long term Treasuries).
5% in B.M.O ETF ZTS ( U.S Short term Treasuries.)
I am NOT a USD bull but in case of crash that's where the world runs.
I would put 10% in Bitcoin etf BTCC, just launched on Thursday.
The rest would be put into a Base Metals ETF, Gold and Silver miners ETF, maybe an India,( emerging markets ETF).
I think we could see Deflation followed by rapid inflation in 2021.
You need to protect against both those scenarios....
Gold and Silver miners have never been this cheap....
Also Commodities super cycle might come in a small window...1-1.5 years....before we get Economic Depression?
No one really knows....
As long as the FED keeps printing and injecting liquidity into markets these bubbles could keep going!!
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02-21-2021, 10:15 PM
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Join Date: Sep 2008
Location: Edmonton Alberta
Posts: 9,907
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......
__________________
When you are born, you get a ticket to the Freak Show.
If you are born in Canada, you get a front row seat.
Last edited by huntinstuff; 02-21-2021 at 10:33 PM.
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02-21-2021, 11:45 AM
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Join Date: May 2008
Location: West of Edmonton
Posts: 2,314
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Have you seen a 10yr return on MEG lol.
I’m not a great investor. Simple rules I’ve learned that work for me.
I don’t worry about what percentage I can save. Anything I have that’s surplus to paying my operating costs goes into some form of savings. If it’s not in my regular account, I don’t feel like blowing it.
Save money where you can and spend it on what works for you. For me that means I didn’t have a huge cell plan, cable package, Starbucks etc. I do have more shooting irons then the average bear. I’ve been very fortunate and had a good start, and a solid career.
I always wanted the debt payed down first, now a days I’m not sure that’s sound advice. Utilize your TFSA amounts. Some will say no to RRSP’s, but I think they are good for the working man.
Can’t really give you more advice then that. Read lots. If I don’t understand it, I definitely won’t invest any serious money in it. Good luck.
PS, I see I also type too slow
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02-21-2021, 11:46 AM
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Join Date: Feb 2016
Posts: 724
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Done a bunch of things over my life, made some, lost some.
If I had it all back I would put it into Canadian bank stocks.
They pay a decent dividend and they appreciate.
RBC 1995 price was $31 current price $108 dipped as low as $36 in 2008 but paid 4% dividends all the way through with negligible risk.
So $1000 investment in 1995 would be worth $3500 today and would have paid approx $2880 in dividends over that period as well.
Boring as heck but...
If you need a little flutter you can always sell covered calls
__________________
Why hunt when I could buy meat?
Why have sex when I could opt for artificial insemination?
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02-21-2021, 12:06 PM
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Join Date: May 2007
Posts: 1,932
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but remember every investment banker or advisor is paid on commission.
This is not true! Our advisor is paid by the hour! And I try and avoid one that is not!
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02-21-2021, 09:07 PM
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Join Date: Jul 2017
Posts: 4,099
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Quote:
Originally Posted by mrcrossbow
I'm not to worried about stocks going up and down short term cause I figured that in ten years they should go up no matter what.
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Tell that to a Japanese guy who dropped all his savings into Nikkei on March 8, 1991. He broke even end of last year and made just under 13% as of the last close.
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02-21-2021, 09:45 PM
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Moderator
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Join Date: Aug 2012
Location: Wheatland County
Posts: 5,837
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NYSE averaged about 9% last 120 years. No guarantee next 120 days but I've been investing for years. My portfolio is much, much, much larger than it would have been without most of my savings in the NYSE & TSX. Not even close. I've enjoyed the profits of responsible companies paying dividends & stock growth. The growth has allowed diversification as well.
It's almost impossible to simply save enough for retirement, some investing is necessary for growth to outpace inflation. Good luck!
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02-21-2021, 10:07 PM
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Join Date: Dec 2009
Location: Spruce Grove, AB
Posts: 3,065
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Finding a good financial advisor is like winning the lottery. Have had several & no longer have any. Went with word of mouth more than once & it was a disaster. My guess is there are some but rare. Be picky when looking for one. If he/she can't shut up, walk away. A key thought might be this: Learn from what the rich do not some idiot that says they know it all but are broke.
Key things are:
Pay down & eliminate debt
Live within your means. Most don't.
Invest wisely. I suggest individual stocks are high risk on their own.
In mutual funds or etf's invest in material. i.e. CN, CP, Banks & so on
My bet is that bitcoin or similar will be become extinct in time. You want to gamble it all away? It's your choice.
Use any & all tax breaks such as TFSA
RSP's have a purpose but expect to pay royally once you turn 71.
I'm no advisor. Just my take on years of trying to survive. And I certainly don't have all of the answers.
Best of luck to the op and others.
If you really want to learn follow Dave Ramsey. He is on youtube.
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02-21-2021, 10:46 PM
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Join Date: Oct 2009
Posts: 4,858
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Well what I did so far is read a bunch of books and educated myself. I've read "The Intelligent Investor", "Security Analysis", "One Up on WallStreet", "Rich Dad Poor Dad", "The Total Money Makeover", and "The Wealthy Barber", along with articles, letters, and podcasts.
First I've started my own business to hopefully improve my income. It's been taxing with Covid, but I'm still optimistic.
Second, I had the pension from my old job paid out and am managing it myself. I currently own 3 stock that I can follow and I feel are good bets at this point. VZ, CVX, and TRP.TO
I did have JPM and XOM but have sold them. If you want to trade US stock I highly recommend a RRSP as their dividends arent taxed in a RRSP account. A TFSA is a great place to put Canadian Dividend payers, and high growth stock. I plan to switch over my TRP.TO once I have enough cash to fund the TFSA. It wasnt possible this year as I use my TFSA as a emergency fund as well and due to covid and the lack of demand had to use it.
Lastly we rent. For us the cost of renting is cheaper at the moment then buying. With the mortgage cost, maintenance, insurance, and property tax in town it doesnt seem worth it. My plan is to buy a quarter section to run cattle on through my company, then subdivide a small acreage as our personal residence off that quarter. We'll see if we get to that point, but I'm hopeful.
Other then that I.dont invest in things that are based on speculation. So I dont invest in Bitcoin, or venture companies that havent made money. I might miss out on some huge gains once in awhile, but I sleep a lot better knowing I shouldn't lose a lot of money either. The one thing with investing is you only need to be right a handful of times to really make a huge dent in your portfolio so why swing for the maybes?
Lastly if your not educated and willing to do the work. I highly suggest you dont trade individual stocks. Instead buy the US Stock Index and just be consistent in buying it. Most advisors can't beat the index. You can look up Jack Bogle on this one. Theres forums and facebook groups for like minded people called Bogleheads.
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“If all mankind minus one, were of one opinion, and only one person were of the contrary opinion, mankind would be no more justified in silencing that one person, than he, if he had the power, would be justified in silencing mankind.” John Stuart Mill
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02-21-2021, 11:37 PM
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Join Date: Jul 2017
Posts: 4,099
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^ What makes you think VZ is something good to own? It literally has done nothing in the last 5 years:
Apparently a lot longer, lol. Here it is vs SP500:
Unless there are some big plans on the horizon, this is probably one of the worst tickers to have in the portfolio. Sure, you will collect some pennies in the dividends. Good luck getting ahead.
What you want is growth. Who cares about 63 cents worth of dividends, really? Imo, it’s a waste because that money could actually be working somewhere. Something as simple as SPY would get you miles ahead (because it moves exactly like that black line on the graph above).
Investing into something only because it pays dividend is really missing out on real gains elsewhere.
I wouldn’t be diving into the other two at current prices either. Perhaps, would stay away from TRP completely, unless it dips quite a bit.
Edit: why didn’t you follow your own advice about investing in index and buy some SPY instead (or most of anything else, for that matter)?
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02-21-2021, 09:47 PM
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Join Date: Feb 2016
Posts: 154
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Wallstreetbets YOLO
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02-21-2021, 10:03 PM
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Join Date: Jul 2017
Posts: 4,099
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^ No doubt, but that wasn’t my point.
Quote:
Originally Posted by brendon444
Wallstreetbets YOLO
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This is the way. Lol.
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02-21-2021, 09:52 PM
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Join Date: Sep 2007
Location: Strathcona County
Posts: 1,908
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Quote:
Originally Posted by fishnguy
Tell that to a Japanese guy who dropped all his savings into Nikkei on March 8, 1991. He broke even end of last year and made just under 13% as of the last close.
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Which is exactly why you don't dump all your money into one investment at one point in time.
There needs to be some diversification and some dollar cost averaging.
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02-22-2021, 06:53 AM
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Join Date: Dec 2012
Location: At the end of the Thirsty Beaver Trail, Pinsky lake, Alberta.
Posts: 25,310
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Take a few courses and read a few books too...not going to give advice other than that because its a touchy subject when it all goes to hell and you can blame someone...I dont even give advice to my kids other than that and the little bit of advice my grandma said as she put a handful of change on the table and told me to always put a little away for a rainy day...been doing this ever since then...my son took a few courses etc and last year invested 10k now its 60k....not on my advice though,,,all his doings.
Good luck.
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Be careful when you follow the masses, sometimes the "M" is silent...
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02-22-2021, 07:25 AM
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Join Date: May 2010
Location: edmonton
Posts: 3,916
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Depending on time frame. You can build a position say over a year and just keep adding to it don’t expect lot of return but think of it as you retirement savings, most case you be ahead on average by picking the top of the pack like Apple been dominant in their sector for years, rio tinto, Exxon, Facebook, p&g . Obviously Time frame wise the longer you can average the better and catch the cycle .
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02-22-2021, 10:26 AM
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Join Date: Feb 2020
Posts: 49
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I have a pension through work, and have been making a point to educate myself in the world of investing. I really encourage you to learn about it as well. Its helped a lot. Canadian Couch Potato is a great resource.
For a few years I was with Tangerine, making a great return. Last year I switched to an investment manager, and its been a great experience.
There are experts out there who are honest, and great at what they do. Learn what you can, and ask their advice. I'd happily share my investors info, if you DM me.
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02-22-2021, 01:31 PM
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Join Date: Nov 2007
Posts: 257
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Talk to a retirement planner ( best thing I did ) also I let professionals manage by bigger investments. Same reason why I pay someone to do my electrical work or fix my vehicles Im not comfortable with it and they do it everyday. I do dable with some stocks in my TFsa just cause i like the rush of buying and selling smaller amounts. i've learned many lessons on what not to do btw ( buddy says buy this stock)
Cheers and good luck
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02-26-2021, 11:07 AM
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Join Date: Dec 2008
Location: Camrose
Posts: 46,227
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If you max your RRSPs, and your TFSA, and set them up as self directed investment accounts, you can use the tax advantages, and still invest as you choose. And as long as you don't withdraw funds from the accounts, you can buy and sell with no tax implications.
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Only accurate guns are interesting.
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