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From the context of this thread, I thought we were only talking about stocks, not cash management or estate planning. Especially since you are comparing YTD index fund returns to your "guy's" YTD returns. Those stocks can be housed in any type of account: registered, non-registered, US, etc. A...

YTD, as in the last 45 days? The studies I'm referring to are long-term, aggregate averages (over 300 managed funds) stretching decades vs two brokers over a few weeks. For example, S&P Global publishes SPIVA (S&P Index Versus Active) twice a year, comparing actively managed funds after fees...

Yep, and even if they manage to match the index, their higher MER kiboshes your returns, which compounds over time, the longer you keep your money under professional management.

Dunno about that. Everything I've read seems to point that index funds consistently beat professionally managed funds. Depending on which study you read, the numbers are between 90-95% of all professionals are not able to beat the market index.

We upgraded to this much later: Funnily enough, only the channel up button on the remote was worn down when flipping through the stations. The channel down button was never used, for some strange reason...

It's my personal belief that market makers and institutional traders have access to, and use stop-loss order data to screw retail investors out of positions. [/tinfoilhat] I have many other stock market conspiracy theories that I've come up with, to explain my lack of stock-investing prowess...

We had these:

Dunno. Some real stinkers in there, though. BCE -33% from the 52-wk top FSZ -32% from the 52-wk top TF - 25% from the 52-wk top

Gotcha. I don't have my head in the HELOC space because, as you know, non-GTA Land Baron here... It's all margin, all the time. Stuff comes in, stuff goes out, most of it unregistered. Tax-wise and perception-wise. :ROFLMAO:

Can I get in on this list too? Asking for a friend... who's asking out of curiousity...

Google-fu to the rescue: Highest yielding Canadian stocks: High-Dividend Yield Canadian Stocks — TradingView However, as mentioned earlier, a high divvy could mean a stock in free-fall, so here's a better list: Highest *quality* divvy stocks, taking into account stability and valuation: Top...

I'm slow on the uptake here. What's the advantage of withdrawing cash from the TFSA divvy to pay the loan and then transferring back in again vs using cash from outside the TFSA to pay the loan?

If I was doing it, I'd pay the interest from my non-TFSA funds and let the good times roll inside the TFSA.

Sorry, the numbers in your quote of mine are wrong. Ignore my bad math.

I'm inclined to believe him. The 12% was my number, and it didn't take into account compounded DRIP, tax-free.

Lots of stocks yield 12% divvies... right after getting a massive haircut due to poor outlook. And right before cutting their divvies. Case in point, BCE is sitting at 12% dividend right now... after a 33% drop in stock price. And you could argue that BCE *was* one of those...

You got me thinking now, and I think I made an incorrect calculation. An average 12% yield just doesn't sound correct to me, especially over 30+ stocks. He must have DRIPed those divvies over a few years and $800-$1000 is his current return on his initial $100K investment, compounded over...

Ah. That $100K number makes sense now. That's roughly the max TFSA contribution since its inception.

For real. That's about $3K in each stock. Also, an average of 10-12% is quite the dividend payout. :oops: These aren't blue chip stocks he's investing in - probably lots of mines in his portfolio. Then subtract $475 each month (5.7% carrying cost @ current HELOC rates) = $325-$525/month. Then...

Lesson of the day: Keep your dog away from your stash. Especially when they're in heat...