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Once you qualify for the federal DTC, then you are eligible to open an RDSP. You'll need to provide a copy of the letter you get from the CRA that outlines the years you are "DTC eligible" to...

You should absolutely contribute as much as you can into the RDSP - it's the program with the best grants available.

If your income is less than $111,733 then;
- you get $3 for every $1...

This poll means absolutely nothing without context.

At the very, people should share what % of your investments are in fixed income relative to equity. Anyone saying they are "low risk" with 10%...

RE: VGRO vs. VBAL - while their performance over the last couple years has been similar, expected returns in the future shouldn't be. Volatility and expected return are primarily driven by asset mix...

Simple Wealth, Inevitable Wealth by Nick Murray is fantastic

I would STRONGLY recommend looking at a lab created diamond. For A diamond in your price range you’ll get lab created diamond for the same price that is that is 30% bigger (and trust me this is all...

Lucky indeed! That's where I picked up mine as well - lucky to find it in stock...amazing what they may have in the back if you ask!

:thumbsup:
Lucky enough to buy from AD?

Christmas present to myself!

I can help you with this if you want. Send me a PM.

A fiduciary responsibility only exists when an Advisor (typically with the title Investment Counselor, or Portfolio Manager) provides discretionary portfolio management on behalf of a client. This...

You're not misunderstanding at all...however many people do not have a basic understanding of how these things work. They may think it'll go down, but be surprised by the magnitude of which it will...

As a licensed portfolio manager in the Private Wealth space (Investment Counsel, not discretionary IIROC) with a $2M investable asset minimum, this is a pretty spot on synopsis of how it works....

Indochino is junk, don't waste your time.

How long are you in New York Buster? If you have time try to make your way down to Proper Cloth in Soho. They will get you measured up, and then you can...

How often are you watering typically, and what time of day?

rage2

I'd love a 75" TV, but don't have the budget for a Sony 900F @ $4k. I found a retailer I could ship in a Vizio P75 for about $2,800 with shipping and duty all in. Slightly more than a...

Sorry, to clarify I fully agree with you. I was referring altering the risk/reward profile by adjusting the fixed income / equity mix, not the index vs active part.

I'm a proponent of both...

I assure you that just because an Advisor is charging you a % of assets (a fee based account) doesn't mean they are looking after your best interests. I cant even count the number of garbage fee...

Type_S1 is far from close. Picking 7 Canadian equity stocks is hardly a strategy. It's what amatuers do who think they have it all figured out.

Buster's suggestion is wayyyy better and would work...

There are only a few ways to know if your Advisor carries a fiduciary duty to you as their client:

1) They are licenced as a Portfolio Manager (another title carrying this licencing is Investment...

This is bang on

I have the CFA designation and I agree with most of the advice given already. Buster has clearly outlined the pros and cons and highlighted where the designation makes sense. If you want to get into...

This!
A good advisor works to understand your situation and then develops a plan to meet your specific goals. If they start talking about the types of performance they can deliver it should be a...

This would be my question as well. Just because a firm is independent from a bank does not mean they are providing the best advice or products that aren't expensive.

It's important to note there...

I wouldn't argue that there are accounting firms that can provide fantastic advice around the topic, but I would suggest that a blanket statement like "do not go to a bank" is narrow minded.

While...

I work in the Private Investment Counsel area that deals with clients exactly like the OP has described.

But you're right, not many know that ATB offers all services another big bank can offer,...

Sent you a PM!

This is exactly right. Not all Advisors are created equal, and to be honest most in the industry are sales people, especially the ones charging in the 2.5% range.



This is also true as well....

This statement couldn't be farther from the truth. I work in the high net worth investment space (typically $2M+ in investable assets) and one of the common mistakes I see regularly is this type of...

2.2%-2.4% is high. Personally I think anything over 2% in an A-class mutual fund is high, let alone in a fee based account holding individual stocks.

In a fee based account you should be getting...

This is a tough question to answer without knowing a little more detail. Typically firms will charge fees based on a tiered schedule, which reduces as overall portfolio size grows. It will also...

Check out the Laundry Store just at the top of the hill of Heritage going down into Deerfoot Meadows. I just purchased a dishwasher and oven from them and the other big box stores couldn't even come...

Sent you a PM

SOLD

I have $600 in Best Buy gift cards that I'm looking to sell.

Will forward serial number and Pin to the buyer upon payment.

$500 FIRM

I agree with basically all of the pros and cons that have been stated above. I've been considered "mobile" for the past 5 years; for me that typically means at home 90% of the time.

I've worked...

Oops. Thanks!

Vehicle Details
Year : 2004
Make and Model : BMW 330ci
Exterior Color : Grey
Interior Color : Black
Auto or Manual? : 6 speed manual
Odometer Reading : 180,000
Location of Vehicle : Calgary...

Sorry, everything is sold. :closed:

I'll sell everything together for $350!