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lzpnzv8 | > Its 100% equity and the drawdown can be 30-40%
Even upwards of 80% during serious black swan events like the Great Depression. | 6 | journalctl | 2024-11-30T13:58:17 | null | 6 | /r/CanadianInvestor/comments/1h3abgx/tfsa_etf_split/lzpnzv8/ | 3 | t3_1h3abgx | t1_lzpm07m | false | false |
lzpo5ce | Because they said XEQT is “safe and not very volatile.” That’s not the definition of an ETF that’s 100% equities.
BlackRock’s website says it’s medium risk, not low or low to medium risk. | 12 | Fearless_Scratch7905 | 2024-11-30T13:59:24 | null | 10 | /r/CanadianInvestor/comments/1h3abgx/tfsa_etf_split/lzpo5ce/ | 2 | t3_1h3abgx | t1_lzpcy57 | false | false |
lzpp2h0 | Yeah exactly
In 5 years you could be demolished | 5 | DOGEWHALE | 2024-11-30T14:06:09 | null | 4 | /r/CanadianInvestor/comments/1h3abgx/tfsa_etf_split/lzpp2h0/ | 4 | t3_1h3abgx | t1_lzpnzv8 | false | false |
lzpph10 | > Some don't like ZQQ - they think it's not diverse enough (though it has 100 top US tech companies... but maybe diverse is subjective. maybe they want 1,000 companies).
I've yet to hear a single person I respect in the investing space say anything good about Nasdaq index funds. They seem to be universally held by uneducated performance chasers (the "tech is the future" bros). | 5 | journalctl | 2024-11-30T14:09:03 | null | 3 | /r/CanadianInvestor/comments/1h3abgx/tfsa_etf_split/lzpph10/ | 3 | t3_1h3abgx | t1_lzpidb0 | false | false |
lzpri6e | Did you miss the part where I have a 20+ year time horizon? These ETF’s are moderate risk at that time horizon, even listed as such. I’m not necessarily worried about an upcoming short term correction, I just said it would pain me to see the drawdown after recently buying in especially when a correction is inevitable at this rate, as it would pain any investor to see. Not once did I say I would panic sell or change my position if that were to happen. I’m also aware that I am focussing heavily on one country, that is my goal. | 1 | None | 2024-11-30T14:23:24 | null | -6 | /r/CanadianInvestor/comments/1h3abgx/tfsa_etf_split/lzpri6e/ | 3 | t3_1h3abgx | t1_lzpnbso | false | false |
lzprmju | So what would you recommend instead? 100% XEQT? | 3 | CanadianAbroad7 | 2024-11-30T14:24:14 | null | 3 | /r/CanadianInvestor/comments/1h3abgx/tfsa_etf_split/lzprmju/ | 2 | t3_1h3abgx | t1_lzpmdjx | false | false |
lzps4hs | ok.... so your issue is with \~5 years. I wont argue - fine, go to +10 years which is OP's timeframe. | 0 | MrMikeDD | 2024-11-30T14:27:38 | null | 0 | /r/CanadianInvestor/comments/1h3abgx/tfsa_etf_split/lzps4hs/ | 4 | t3_1h3abgx | t1_lzpnp8m | false | false |
lzps6tf | So what do you disagree with then? My time horizon is 20+ years as stated in earlier comments. | 1 | CanadianAbroad7 | 2024-11-30T14:28:05 | null | 1 | /r/CanadianInvestor/comments/1h3abgx/tfsa_etf_split/lzps6tf/ | 4 | t3_1h3abgx | t1_lzpnp8m | false | false |
lzpsir0 | If you want a 100% stock portfolio, yes XEQT is all you need.
Overweighting a particular country, sector, or company based on past performance isn't a good idea. | 7 | digital_tuna | 2024-11-30T14:30:24 | null | 5 | /r/CanadianInvestor/comments/1h3abgx/tfsa_etf_split/lzpsir0/ | 3 | t3_1h3abgx | t1_lzprmju | false | false |
lzpsju3 | >While that may be true, I think if you're investing for +5years
im refering to mike above
Your fine if your time horizon is long | 3 | DOGEWHALE | 2024-11-30T14:30:36 | null | 3 | /r/CanadianInvestor/comments/1h3abgx/tfsa_etf_split/lzpsju3/ | 5 | t3_1h3abgx | t1_lzps6tf | false | false |
lzpsmc2 | You said low to medium risk tolerance. Even at 20 years if your tolerance comes anywhere close to “low” then, if it were me, I would be allocating some of my money towards something that has lower expected volatility. I’m just giving an honest response to your question. You asked if what you want to do makes sense, I looked at what you provided and I don’t think it does. If you hey you want is for everyone to agree then there seems to be lots of other people that do. | 11 | s4h1813 | 2024-11-30T14:31:05 | null | 9 | /r/CanadianInvestor/comments/1h3abgx/tfsa_etf_split/lzpsmc2/ | 4 | t3_1h3abgx | t1_lzpri6e | false | false |
lzpsqvl | \^\^\^\^ this comment is incomplete. Even if that's true - other countries with higher stock returns - which fund should we invest in to reap these returns?
If you're suggest XEQT, you need to look at the break up of the fund. If Taiwan makes it big, that is only 8% of a 22.4% position in XEQT.
Even if your comment is true, it doesn't give OP or anyone an action. Like which other ETF to look at or anything. | 2 | MrMikeDD | 2024-11-30T14:31:57 | null | 1 | /r/CanadianInvestor/comments/1h3abgx/tfsa_etf_split/lzpsqvl/ | 2 | t3_1h3abgx | t1_lzpmdjx | false | false |
lzpt170 | |Region| Holdings Breakdown| Risk Exposure|
|:-|:-|:-|
|US|65.45%|64.65%|
|Canada|17.42%|18.20%|
| Developed Markets|16.97%|15.35%|
exact numbers | 4 | DOGEWHALE | 2024-11-30T14:33:52 | null | 3 | /r/CanadianInvestor/comments/1h3abgx/tfsa_etf_split/lzpt170/ | 1 | t3_1h3abgx | t1_lzpa3mq | false | false |
lzpt2eg | More of this. I'm 45/45/10 vfv/zqq/tqqq | 0 | Esternaefil | 2024-11-30T14:34:06 | null | 0 | /r/CanadianInvestor/comments/1h3abgx/tfsa_etf_split/lzpt2eg/ | 1 | t3_1h3abgx | t1_lzp6cku | false | false |
lzpt62x | Maybe I took your response to be more critical than it was meant to be. I appreciate your feedback, I am looking for everyone’s opinions, not only those that align with mine, you’re right. These are just my plans for my TFSA I also have an RRSP that needs allocating. Maybe I can look into bonds for my RRSP. I’m not very familiar with how they work, I will have to do some research. | 2 | CanadianAbroad7 | 2024-11-30T14:34:47 | null | 2 | /r/CanadianInvestor/comments/1h3abgx/tfsa_etf_split/lzpt62x/ | 5 | t3_1h3abgx | t1_lzpsmc2 | false | false |
lzpthcz | here is your portfolio although bad idea
|Region| Holdings Breakdown| Risk Exposure|
|:-|:-|:-|
|US|65.45%|64.65%|
|Canada|17.42%|18.20%|
| Developed Markets|16.97%|15.35%|
|| || |Weighted Average MER | |0.16%|
**SectorHoldings**
Consumer Disc.8.65%
Consumer Staples5.42%
Energy6.33%
Financial25.70%
Industrials10.41%
Materials4.65%
Info Tech22.06%
Telecom2.99%
Utilities2.42%
Healthcare8.88%
Real Estate2.49% | 8 | DOGEWHALE | 2024-11-30T14:36:55 | null | 6 | /r/CanadianInvestor/comments/1h3abgx/tfsa_etf_split/lzpthcz/ | 0 | t3_1h3abgx | t3_1h3abgx | false | false |
lzptnlf | >Even if that's true - other countries with higher stock returns - which fund should we invest in to reap these returns?
You could invest in the ETF that tracks that country.
My point isn't that you ***should*** do this. My point is that other countries regularly outperform the US, so concentrating in the US will underperform concentrating in the countries that outperform.
The problem is we don't know which country will have the best returns.
>Even if your comment is true, it doesn't give OP or anyone an action. Like which other ETF to look at or anything.
There are ETFs that track every country, a simple Google search will find them. But I'm not suggesting any of them because that would be bad advice, just like recommending they concentrate on the US is bad advice. | 5 | digital_tuna | 2024-11-30T14:38:06 | null | 4 | /r/CanadianInvestor/comments/1h3abgx/tfsa_etf_split/lzptnlf/ | 3 | t3_1h3abgx | t1_lzpsqvl | false | false |
lzptoy6 | That’s fine. | 1 | Commercial_Pain2290 | 2024-11-30T14:38:22 | null | 1 | /r/CanadianInvestor/comments/1h3abgx/tfsa_etf_split/lzptoy6/ | 0 | t3_1h3abgx | t3_1h3abgx | false | false |
lzptp54 | My timeline is longer than Trump will live. What do I care about his "traffis"? | 59 | stewer69 | 2024-11-30T14:38:24 | null | 59 | /r/CanadianInvestor/comments/1h3977k/is_it_bad_to_hold_xiu_when_trump_brings_in_the/lzptp54/ | 0 | t3_1h3977k | t3_1h3977k | false | false |
lzptrlc | This is great to see. What program did you use to get this breakdown? Also, what would you suggest as a better strategy? Less focus on the US? More market diversification? | 1 | CanadianAbroad7 | 2024-11-30T14:38:53 | null | 1 | /r/CanadianInvestor/comments/1h3abgx/tfsa_etf_split/lzptrlc/ | 1 | t3_1h3abgx | t1_lzpthcz | false | false |
lzpuzb3 | No. I'll hold the stocks in XIU forever, regardless of which clown is in office.
BTW, XIC is better than XIU. Total market exposure with a 3x cheaper management fee. | 7 | journalctl | 2024-11-30T14:47:02 | null | 7 | /r/CanadianInvestor/comments/1h3977k/is_it_bad_to_hold_xiu_when_trump_brings_in_the/lzpuzb3/ | 0 | t3_1h3977k | t3_1h3977k | false | false |
lzpuzhp | 2020 was a positive market year, it has just an ultra mega bear for a month, then ripped up all year after | 1 | mm_ns | 2024-11-30T14:47:03 | null | 1 | /r/CanadianInvestor/comments/1h30ab0/large_retirement_portfolios_and_the_incoming/lzpuzhp/ | 4 | t3_1h30ab0 | t1_lzowm1d | false | false |
lzpvd8f | At that asset level / life stage shpuld always have like 10% in near cash funds anyway, maybe tick that up a bit, really depends on return needs, if you need that 2 mil to support 150/200k income then gonna have to stay aggressive, but if you don't need outrageous returns to meet income needs then couple years cash flow in cashlike assets is always the play. | 2 | mm_ns | 2024-11-30T14:49:32 | null | 2 | /r/CanadianInvestor/comments/1h30ab0/large_retirement_portfolios_and_the_incoming/lzpvd8f/ | 2 | t3_1h30ab0 | t1_lzpgyg5 | false | false |
lzpvowb | I use qtrade portfolio tool not sure if you need to have account
compared to xeqts allocation your getting
# + 14.68% US
# - 7.45% CAD
# - 7.19 Developed | 4 | DOGEWHALE | 2024-11-30T14:51:42 | null | 2 | /r/CanadianInvestor/comments/1h3abgx/tfsa_etf_split/lzpvowb/ | 2 | t3_1h3abgx | t1_lzptrlc | false | false |
lzpvtkh | ZSP has slightly more AUM only if you include the USD units (ZSP.U) which I think is fair to do. | 1 | journalctl | 2024-11-30T14:52:33 | null | 1 | /r/CanadianInvestor/comments/1h2eexk/vfv_first_canadian_etf_to_reach_20_billion/lzpvtkh/ | 2 | t3_1h2eexk | t1_lzjvabf | false | false |
lzpvwtk | I'm downvoting, not because of the content per se, but because of poor usability - it's not very helpful. I personally appreciate all criticism AND suggests - criticism alone is not very helpful.
Well, it's still helpful I guess :) But leave your suggestion for a fix as well! | 0 | MrMikeDD | 2024-11-30T14:53:09 | null | -3 | /r/CanadianInvestor/comments/1h3abgx/tfsa_etf_split/lzpvwtk/ | 4 | t3_1h3abgx | t1_lzptnlf | false | false |
lzpw37u | Overthinking, just hold. Always hold. | 19 | JScar123 | 2024-11-30T14:54:18 | null | 18 | /r/CanadianInvestor/comments/1h3977k/is_it_bad_to_hold_xiu_when_trump_brings_in_the/lzpw37u/ | 0 | t3_1h3977k | t3_1h3977k | false | false |
lzpwfag | >but because of poor usability - it's not very helpful
Am I supposed to predict which country will have the best returns? How is that helpful?
What exactly will make my comments more helpful? | 6 | digital_tuna | 2024-11-30T14:56:26 | null | 5 | /r/CanadianInvestor/comments/1h3abgx/tfsa_etf_split/lzpwfag/ | 5 | t3_1h3abgx | t1_lzpvwtk | false | false |
lzpwjdd | > So what would you recommend instead? 100% XEQT?
Yes, or one of the other [asset allocation ETFs](https://canadiancouchpotato.com/model-portfolios/) that include bonds. | 4 | journalctl | 2024-11-30T14:57:10 | null | 3 | /r/CanadianInvestor/comments/1h3abgx/tfsa_etf_split/lzpwjdd/ | 3 | t3_1h3abgx | t1_lzprmju | false | false |
lzpws82 | Yeah im not gunna be the one to tell you what country does best going forward
thats why its simpler to just pick xeqt and let blackrock do the weighting
for reference though this is xeqt
|Region| Holdings Breakdown | Risk Exposure |
|:-|:-|:-|
|US|50.77%|48.56%|
|Canada|24.87%|26.88%|
| Developed Markets |24.16%|20.74%| | 1 | DOGEWHALE | 2024-11-30T14:58:45 | null | 1 | /r/CanadianInvestor/comments/1h3abgx/tfsa_etf_split/lzpws82/ | 3 | t3_1h3abgx | t1_lzpvowb | true | false |
lzpx10c | I’m going to have to read up on bonds | 1 | CanadianAbroad7 | 2024-11-30T15:00:18 | null | 1 | /r/CanadianInvestor/comments/1h3abgx/tfsa_etf_split/lzpx10c/ | 4 | t3_1h3abgx | t1_lzpwjdd | false | false |
lzpxiwp | and since im bored here is VT witch tracks global all cap index
|Region| Holdings Breakdown | Risk Exposure |
|:-|:-|:-|
|US|60.92%|59.25%|
|Canada|2.75%|2.35%|
| Developed Markets |26.72%|28.74%|
|Emerging Markets|9.37%|9.26%|
|Other|0.24%| | 1 | DOGEWHALE | 2024-11-30T15:03:28 | null | 1 | /r/CanadianInvestor/comments/1h3abgx/tfsa_etf_split/lzpxiwp/ | 4 | t3_1h3abgx | t1_lzpws82 | false | false |
lzpxnx6 | The main difference is that ZSP holds the stocks directly whereas VFV is a wrapper around VOO. I think this is a minor point in favor of ZSP because there's less moving parts.
They both track the S&P 500 basically perfectly and you can't go wrong with either, although I personally prefer globally diversified total market exposure. | 7 | journalctl | 2024-11-30T15:04:20 | null | 7 | /r/CanadianInvestor/comments/1h2wfor/whats_the_difference_between_zsp_and_vfv_curious/lzpxnx6/ | 0 | t3_1h2wfor | t3_1h2wfor | false | false |
lzpxrc0 | Sorry, you did say it in another comment
>If you want a 100% stock portfolio, yes XEQT is all you need.
>Overweighting a particular country, sector, or company based on past performance isn't a good idea.
When I click the notification and it brings me to your comment, I don't see other conversations. Sorry about that.
From my point of view, you just said "don't go all US" which alone, isn't helpful. I like something more complete like "yes XEQT is all you need". | 1 | MrMikeDD | 2024-11-30T15:04:56 | null | 0 | /r/CanadianInvestor/comments/1h3abgx/tfsa_etf_split/lzpxrc0/ | 6 | t3_1h3abgx | t1_lzpwfag | false | false |
lzpz6bc | >I don't think these tariffs are going to end up being anywhere near as heavy as he's talking.
Here are some other pre- election predictions
>I'm not afraid of Trump becoming a dictator.
>I don't believe anything in project 2025 will be implemented
>He’s not afraid of it because the dictator line was a joke taken out of context, also project 2025 isn’t a Republican platform. Its a bunch of proposals for policy positions, some tame ones that will be supported and some less tame ones that wont | 11 | Signal_Tomorrow_2138 | 2024-11-30T15:13:45 | null | 9 | /r/CanadianInvestor/comments/1h3977k/is_it_bad_to_hold_xiu_when_trump_brings_in_the/lzpz6bc/ | 1 | t3_1h3977k | t1_lzozloo | false | false |
lzpzdz3 | >you just said "don't go all US"
I never actually said that, you just inferred it.
My original comment was to correct your error that the US "give the largest profit." | 5 | digital_tuna | 2024-11-30T15:15:03 | null | 4 | /r/CanadianInvestor/comments/1h3abgx/tfsa_etf_split/lzpzdz3/ | 7 | t3_1h3abgx | t1_lzpxrc0 | false | false |
lzq0bjj | When the markets were crashing in late March of 2020, I was buying up index ETFs. Some people call it catch-a-falling knife.
And if you had followed Trump's tweets and press conferences pre- Covid, you'd learn how he would manipulate the markets by first bad- mouthing specific companies, like GM, then after the stock price plummets, climb back up again. And then there was May of 2019. Another trade threat by Trump against China, which made the markets drop by 6%. | 16 | Signal_Tomorrow_2138 | 2024-11-30T15:20:45 | null | 15 | /r/CanadianInvestor/comments/1h3977k/is_it_bad_to_hold_xiu_when_trump_brings_in_the/lzq0bjj/ | 0 | t3_1h3977k | t3_1h3977k | false | false |
lzq1sj4 | # Voo about to beat spy?
The **Vanguard S&P 500 ETF** (NYSE:[VOO](https://www.benzinga.com/stock/VOO#NYSE)) has shattered records, crossing $100 billion in annual inflows this year, a historic high for any ETF over the same period.
Data from [ETF.com](http://ETF.com) shows that the fund witnessed $101.07 billion in fresh money from investors, more than the combined inflows of its two closest competitors: **iShares Core S&P 500 ETF** (NYSE:[IVV](https://www.benzinga.com/stock/IVV#NYSE)) with $59.2 billion and **SPDR S&P 500 ETF Trust** (NYSE:[SPY](https://www.benzinga.com/stock/SPY#NYSE)) with just $22.9 billion.
In the multi-trillion-dollar exchange-traded fund industry, this trend is sparking debate over whether SPY, the world's largest ETF, is now on the brink of losing its long-standing crown.
# $VOO Poised To Become The World’s Largest ETF Next Year
Despite SPY still holding the title of the world's largest ETF, with $620 billion in assets under management (AUM), the gap between it and VOO — currently at $579 billion — has narrowed to $41 billion. | 1 | DOGEWHALE | 2024-11-30T15:29:41 | null | 1 | /r/CanadianInvestor/comments/1h2eexk/vfv_first_canadian_etf_to_reach_20_billion/lzq1sj4/ | 0 | t3_1h2eexk | t3_1h2eexk | false | false |
lzq3n3u | Can you use options with your TFSA? | 1 | Coffee4thewin | 2024-11-30T15:40:54 | null | 1 | /r/CanadianInvestor/comments/1h1jjf3/according_to_data_from_the_cra_two_people_in/lzq3n3u/ | 0 | t3_1h1jjf3 | t3_1h1jjf3 | false | false |
lzq7mpm | Factually xorrecty | 1 | darkbrews88 | 2024-11-30T16:04:36 | null | 0 | /r/CanadianInvestor/comments/1h2n8px/real_gdp_per_capita_declines_for_6th_consecutive/lzq7mpm/ | 1 | t3_1h2n8px | t1_lzkjz34 | false | false |
lzq7pq3 | Is this an investing sub or not? | 1 | darkbrews88 | 2024-11-30T16:05:05 | null | 1 | /r/CanadianInvestor/comments/1h2n8px/real_gdp_per_capita_declines_for_6th_consecutive/lzq7pq3/ | 2 | t3_1h2n8px | t1_lzknkwv | false | false |
lzq7tep | Not here no. The mods need to ban people like yourself turning it political. | 2 | darkbrews88 | 2024-11-30T16:05:41 | null | 2 | /r/CanadianInvestor/comments/1h2n8px/real_gdp_per_capita_declines_for_6th_consecutive/lzq7tep/ | 3 | t3_1h2n8px | t1_lzlnhhw | false | false |
lzq9etz | Wait, that’s it? Wow. I’m in the top 36k TFSAs because I bought and held VFV. Wild. | 1 | fnbr | 2024-11-30T16:14:56 | null | 1 | /r/CanadianInvestor/comments/1h1jjf3/according_to_data_from_the_cra_two_people_in/lzq9etz/ | 2 | t3_1h1jjf3 | t1_lzf5ruv | false | false |
lzq9t7k | Lol, ask TD how much AUM do they have in their funds. Also when you buy a share the money does not go the company it goes to the previous holder, we trade in the secondary market not direct issue shares. | 1 | Alpha_wheel | 2024-11-30T16:17:14 | null | 1 | /r/CanadianInvestor/comments/1h2eexk/vfv_first_canadian_etf_to_reach_20_billion/lzq9t7k/ | 0 | t3_1h2eexk | t3_1h2eexk | false | false |
lzq9tx7 | Maybe the feds should build a pipeline. | 1 | MooseJag | 2024-11-30T16:17:21 | null | 1 | /r/CanadianInvestor/comments/1h3977k/is_it_bad_to_hold_xiu_when_trump_brings_in_the/lzq9tx7/ | 5 | t3_1h3977k | t1_lzph0s1 | false | false |
lzqb716 | because our government sucks and hates businesses and innovation, and taxes companies and small business owners to hell for being successful in canada. | 1 | todaycover | 2024-11-30T16:25:07 | null | 1 | /r/CanadianInvestor/comments/1h2eexk/vfv_first_canadian_etf_to_reach_20_billion/lzqb716/ | 0 | t3_1h2eexk | t3_1h2eexk | false | false |
lzqcf3g | Yes. Here is a good option for you. https://www.tangerine.ca/en/personal/invest/etf-portfolios#tabs-efcfa43af3-item-d5d54dca58-tab | 2 | edsam | 2024-11-30T16:32:06 | null | 2 | /r/CanadianInvestor/comments/1h3g0d2/looking_to_start/lzqcf3g/ | 0 | t3_1h3g0d2 | t3_1h3g0d2 | false | false |
lzqe322 | Definitely possible, you can play it safe and stick in VFV or another similar S&P500, some like QQQ. These will typically return around 20%.
While this is the most conservative approach, I also choose to invest in small-mid cap companies that are in growing sectors ie: currently space stocks, defence stocks (drones), quantum computing, and eVTOL are having some strong rallies. I do a lot of due diligence before biting on these types of plays so it involves effort and a bit of knowledge. You can take a look at how companies like RKLB, iONQ, and RCAT have made great strides in the respective spaces although these are all running at highs at the moment.
Not financial advice, this is just what works for me. Again, a majority should go into much safer ETFs and only money you’d be willing to risk and lose on the riskier plays. | 2 | None | 2024-11-30T16:41:31 | null | -6 | /r/CanadianInvestor/comments/1h3g0d2/looking_to_start/lzqe322/ | 0 | t3_1h3g0d2 | t3_1h3g0d2 | true | false |
lzqerhl | Are you kidding? If one country considers another enemy, then they say that. Our prime Minister constantly expresses his deep admiration for china.Canada would bend backwards for China. In 2019, Canada's defense minister attended a celebration to mark the 70th anniversary of communist rule in China. You don't send a defense minister to celebrate your enemies anniversary of communist dictatorship lol. | 1 | Klutzy-Dot6959 | 2024-11-30T16:45:20 | null | -2 | /r/CanadianInvestor/comments/1h2d874/are_you_planning_to_sell_canadian_energy_stocks/lzqerhl/ | 5 | t3_1h2d874 | t1_lzim7q0 | false | false |
lzqfod4 | Fix immigration.
For the doubters, go to a university library and check out the peer reviewed literature and the working papers on this subject.
Then think about fixing Employment Insurance that pays large numbers of Canadians not to work.
After that address the handout culture. Nothing gets done in this country without a government subsidy, transfer or tax credit. | 1 | solvkroken | 2024-11-30T16:50:29 | null | -2 | /r/CanadianInvestor/comments/1h2n8px/real_gdp_per_capita_declines_for_6th_consecutive/lzqfod4/ | 0 | t3_1h2n8px | t3_1h2n8px | false | false |
lzqgap1 | Short answer yes, but with small contributions it is important to minimize fees. Something like wealth simple has no commission and fractional shares (which matter more when contributions may be less than a 1 share). Do something simple like XEQT (a diversified global ETF, so you don't worry about what the markets do). set it up and forget about, focus on being able to contribute a bit more over the years, what is vital is building the habit of consistent continuously.
Couple things to keep in mind, if you have credit card debt, you will never out earn the interest from credit cards. it is a better investment to pay off credit cards than it is to invest. Also if you get option of employer contribution where they match 50% or 100% of contributions, do that first, as it is a guaranteed return of your investments.
If you don't have one, a TFSA would be the most versatile account to start your investing in. There are contribution limits, but if you have never used one and you are over 19 you have plenty room for your initial investment contribution plan.
best of luck! | 39 | Alpha_wheel | 2024-11-30T16:54:00 | null | 39 | /r/CanadianInvestor/comments/1h3g0d2/looking_to_start/lzqgap1/ | 0 | t3_1h3g0d2 | t3_1h3g0d2 | false | false |
lzqgbpo | It says market goes down? | 1 | Legitimate-Spring393 | 2024-11-30T16:54:09 | null | 0 | /r/CanadianInvestor/comments/1h2je33/daily_discussion_thread_for_november_29_2024/lzqgbpo/ | 3 | t3_1h2je33 | t1_lzkj4e9 | false | false |
lzqgq18 | Definitely possible. I haven't used them myself, but Wealthsimple doesn't appear to have minimum balance requirements. If you haven't already you can open a TFSA for yourself and a RESP for your daughter.
Depending on your income level the government may put money in via Canada Learning Bond (CLB) just for opening the RESP.
The TFSA can just be in something like VEQT which is one of the most boring investments you'll get suggested on this subreddit (boring can be good). You'll be able to buy 1 share every 4 weeks. | 5 | disparue | 2024-11-30T16:56:23 | null | 5 | /r/CanadianInvestor/comments/1h3g0d2/looking_to_start/lzqgq18/ | 0 | t3_1h3g0d2 | t3_1h3g0d2 | false | false |
lzqivee | I make about 45k on my own
(A Rough idea...) | 1 | AtmosphereNarrow8489 | 2024-11-30T17:08:20 | null | 1 | /r/CanadianInvestor/comments/1h3g0d2/looking_to_start/lzqivee/ | 1 | t3_1h3g0d2 | t1_lzqgq18 | false | false |
lzqjj7o | > you can play it safe and stick in VFV or another similar S&P500, some like QQQ. These will typically return around 20%.
You are doing OP a disservice saying they can expect a typical return of 20%; and investing in the S&P 500 is not "playing it safe", nor is it anywhere near "the most conservative approach." It's relatively safER if someone wants to invest in equities, but it is not a "playing it safe" investment such as a balanced stocks/bonds all-in-one ETF (VBAL) or even a total market ETF.
The annualized return of the S&P 500 since its inception in 1957 is slightly over 10%, I believe, and that doesn't account for inflation. Many predictions I've read from financial institutions say expected real returns (after inflation is taken into account) for the next 20 years are somewhere in the neighbourhood of 4-5%.
Yes, it's been doing great lately, but to expect typical 20% returns over the years to come is way too optimistic. | 14 | canadave_nyc | 2024-11-30T17:11:59 | null | 13 | /r/CanadianInvestor/comments/1h3g0d2/looking_to_start/lzqjj7o/ | 1 | t3_1h3g0d2 | t1_lzqe322 | false | false |
lzqk0ak | I plan to reinvest returns into riskier endeavors. But the 25 I put into it will definitely address the more "safe" options. | 3 | AtmosphereNarrow8489 | 2024-11-30T17:14:36 | null | 1 | /r/CanadianInvestor/comments/1h3g0d2/looking_to_start/lzqk0ak/ | 1 | t3_1h3g0d2 | t1_lzqe322 | false | false |
lzqkpzr | At the end of the day, you need to look at your own risk tolerance, what you’re saving for and whether you’re on track towards your goal. I get the pull towards the US given recent returns, it’s up to you to decide whether that’s repeatable or sustainable and direct your investments based on your goals/targets. If you can stomach a 20% correction, then maybe what you’ve said is the right path for you. | 2 | s4h1813 | 2024-11-30T17:18:35 | null | 2 | /r/CanadianInvestor/comments/1h3abgx/tfsa_etf_split/lzqkpzr/ | 6 | t3_1h3abgx | t1_lzpt62x | false | false |
lzqny7j | XEQT is overweight Canada. | 1 | DDRaptors | 2024-11-30T17:36:25 | null | 0 | /r/CanadianInvestor/comments/1h3abgx/tfsa_etf_split/lzqny7j/ | 4 | t3_1h3abgx | t1_lzpsir0 | false | false |
lzqoiy7 | Completely fine. XEQT crowd out in full force, I wouldn’t take their advice as the bible either.
IMO, XEQT is overweight Canada. Specifically to attract Canadian investors, and based on the popularity it’s gained they’ve done a good job. People from other countries do not go 20% into CAD equities so why should we.
Personally I skip XEQT and just hand pick my CAD stocks and don’t really have a target allocation for them. | 3 | DDRaptors | 2024-11-30T17:39:36 | null | 1 | /r/CanadianInvestor/comments/1h3abgx/tfsa_etf_split/lzqoiy7/ | 0 | t3_1h3abgx | t3_1h3abgx | false | false |
lzqq7tw | I’d still be in broad-market funds but with a more substantial allocation to fixed income (currently 100% equities). | 1 | Bergenstock51 | 2024-11-30T17:48:46 | null | 1 | /r/CanadianInvestor/comments/1h30ab0/large_retirement_portfolios_and_the_incoming/lzqq7tw/ | 2 | t3_1h30ab0 | t1_lzpgyg5 | false | false |
lzqsd92 | "The holdings should be stable for that period". Where did you get your crystal ball?
You should not invest money you need within a few months in the stock market. HMAX/UMAX are not safer, they will drop if their underlyings drop.
No there's no way to get that kind of return without taking lots of risk. Which is what you will do if you go ahead with that crazy plan of yours. Might be fine, might be a disaster. | 2 | givemeyourbiscuitplz | 2024-11-30T18:00:14 | null | 2 | /r/CanadianInvestor/comments/1h2vyc4/should_i_buy_hmax_umax_for_the_short_term_1314/lzqsd92/ | 0 | t3_1h2vyc4 | t3_1h2vyc4 | false | false |
lzqt2cu | Yes, because there are good reasons for Canadians to overweight domestic stocks.
If you'd like to learn about the research behind that, you can watch [this video](https://youtu.be/jN8mIHve1Ds?si=TWpRW6ltmyG42ENN) from Portfolio Manager Ben Felix. | 3 | digital_tuna | 2024-11-30T18:04:01 | null | 3 | /r/CanadianInvestor/comments/1h3abgx/tfsa_etf_split/lzqt2cu/ | 5 | t3_1h3abgx | t1_lzqny7j | false | false |
lzqud84 | Don't try to time the market. Turn-off the news and stay on course. This is just background noise. | 6 | givemeyourbiscuitplz | 2024-11-30T18:10:44 | null | 4 | /r/CanadianInvestor/comments/1h3977k/is_it_bad_to_hold_xiu_when_trump_brings_in_the/lzqud84/ | 0 | t3_1h3977k | t3_1h3977k | false | false |
lzqvgjz | I know questrade seems to not be a favorite around here, but I use it and it does have 0$ commission etf purchases, so for weekly purchases it might be worth looking into. | 1 | franksredhot8791 | 2024-11-30T18:16:27 | null | 1 | /r/CanadianInvestor/comments/1h3g0d2/looking_to_start/lzqvgjz/ | 0 | t3_1h3g0d2 | t3_1h3g0d2 | false | false |
lzqvqls | >IMO, XEQT is overweight Canada. Specifically to attract Canadian investors, and based on the popularity it’s gained they’ve done a good job.
No, it's overweight Canada because we have reason to believe this is more optimal for Canadian investors.
>People from other countries do not go 20% into CAD equities so why should we.
People from other countries shouldn't be 20% into CAD equities. It makes sense for us because it reduces our risk and volatility from foreign currency exposure, and it increases our returns due to better tax treatment of dividends.
You can buy funds like XEQT in other countries, but they overweight that country instead of Canada. Overweighting domestic stocks isn't some weird Canadian thing, the benefits are applicable to investors in other countries too.
Like I mentioned in another comment, if you'd like to learn about the research behind the overweighting you can watch [this video](https://youtu.be/jN8mIHve1Ds?si=TWpRW6ltmyG42ENN) from Portfolio Manager Ben Felix.
>Personally I skip XEQT and just hand pick my CAD stocks and don’t really have a target allocation for them.
You will likely underperform XEQT by picking stocks because the most stocks underperform the market. Professionals with more education, experience, and information than you can't consistently pick market-beating stocks, so your only chance is luck. | 5 | digital_tuna | 2024-11-30T18:17:56 | null | 5 | /r/CanadianInvestor/comments/1h3abgx/tfsa_etf_split/lzqvqls/ | 1 | t3_1h3abgx | t1_lzqoiy7 | false | false |
lzqxrhm | I'm not sure what the cutoff is, but in 2020 it was $47,630, so opening an RESP will likely get you $500 the first year and $100 each additional year for the next 15 years if you're still under the threshold. We were under the threshold in 2021 due to lockdowns but stopped receiving the CLB later. You'll get the CLB deposited even if you don't contribute any money in the year.
The government also does 20% matching on the first $2500 you put in each year.
Wealthsimple doesn't look like it has self-directed RESP, so you'll automatically have a robo-advisor that will handle the purchases for you. | 3 | disparue | 2024-11-30T18:28:41 | null | 3 | /r/CanadianInvestor/comments/1h3g0d2/looking_to_start/lzqxrhm/ | 2 | t3_1h3g0d2 | t1_lzqivee | false | false |
lzqy88j | Others have already given detailed explanations. The difference in fees is 0.03%. That's nothing, it won't make a significant difference long-term. | 1 | givemeyourbiscuitplz | 2024-11-30T18:31:09 | null | 1 | /r/CanadianInvestor/comments/1h33sg2/is_there_a_logical_reason_to_buy_hxt_over_vcn_in/lzqy88j/ | 0 | t3_1h33sg2 | t3_1h33sg2 | false | false |
lzqzi8v | I’m talking about the USA bro not Fidel Castro jr | 2 | Latter_Effective1288 | 2024-11-30T18:38:00 | null | 2 | /r/CanadianInvestor/comments/1h2d874/are_you_planning_to_sell_canadian_energy_stocks/lzqzi8v/ | 6 | t3_1h2d874 | t1_lzqerhl | false | false |
lzr099z | Doesn’t apply if you have gains. You can buy it back the same day if you want to. | 2 | Commercial_Pain2290 | 2024-11-30T18:42:01 | null | 2 | /r/CanadianInvestor/comments/1h28d1h/student_investor_should_i_realize_gains_now/lzr099z/ | 4 | t3_1h28d1h | t1_lzhgasr | false | false |
lzr0ff5 | While I think this is likely, it's also not a guarantee. Trump is way less likely to be held within the bounds of what is normal, practical, and wise in his second Admin because he's got more yes-men with fewer qualifications this time.
As for XIU, I think it is fine as a portion of a diversified portfolio even with the threat of tariffs. | 6 | ptwonline | 2024-11-30T18:42:55 | null | 5 | /r/CanadianInvestor/comments/1h3977k/is_it_bad_to_hold_xiu_when_trump_brings_in_the/lzr0ff5/ | 1 | t3_1h3977k | t1_lzozloo | false | false |
lzr0q0s | Yea I get that. Worrying/mental health is worth something too. | 2 | Platypusin | 2024-11-30T18:44:29 | null | 2 | /r/CanadianInvestor/comments/1h30ab0/large_retirement_portfolios_and_the_incoming/lzr0q0s/ | 2 | t3_1h30ab0 | t1_lzpk8tm | false | false |
lzr3dla | Then I’m one lucky bastard! | 2 | DDRaptors | 2024-11-30T18:58:54 | null | 1 | /r/CanadianInvestor/comments/1h3abgx/tfsa_etf_split/lzr3dla/ | 2 | t3_1h3abgx | t1_lzqvqls | false | false |
lzr4sio | amazin | 1 | Next-Bumblebee-5079 | 2024-11-30T19:06:42 | null | 1 | /r/CanadianInvestor/comments/1h28d1h/student_investor_should_i_realize_gains_now/lzr4sio/ | 5 | t3_1h28d1h | t1_lzr099z | false | false |
lzr5i4s | The reason is because XEQT has the competitor of VEQT right there. So that is now something that needs to be added to the discussion of one vs the other. | 1 | Godkun007 | 2024-11-30T19:10:40 | null | 1 | /r/CanadianInvestor/comments/1h2je33/daily_discussion_thread_for_november_29_2024/lzr5i4s/ | 3 | t3_1h2je33 | t1_lzpegu8 | false | false |
lzr64ys | Then time you get out. | 1 | Puzzled-Operation-35 | 2024-11-30T19:14:09 | null | 1 | /r/CanadianInvestor/comments/1h0q3p8/loblaws_and_dollorama_have_been_among_the_tsx_top/lzr64ys/ | 0 | t3_1h0q3p8 | t3_1h0q3p8 | false | false |
lzr8b7y | What percentage of lower risk are you moving to? | 2 | DopeCyclist | 2024-11-30T19:25:53 | null | 2 | /r/CanadianInvestor/comments/1h30ab0/large_retirement_portfolios_and_the_incoming/lzr8b7y/ | 1 | t3_1h30ab0 | t1_lzn7dp8 | false | false |
lzrdwpu | Selling stocks for no good reason other than getting 20-50% profit. Those stocks went on to go upwards of 1000% higher in a few years.
Whole life insurance was probably the biggest mistake for me. We did not make enough money to be the target audience for whole life (basically larger wealth transfer to our kids after maxing out everything else) Critical illness insurance as well, realized it didn’t cover the ones that would most likely happen to me. | 1 | Aflamesfan | 2024-11-30T19:55:48 | null | 1 | /r/CanadianInvestor/comments/1h2b1mg/what_are_your_biggest_regrets_with_insurance_or/lzrdwpu/ | 0 | t3_1h2b1mg | t3_1h2b1mg | false | false |
lzrg842 | Trump has offspring, and you can bet that they’re interested in inheriting the dictatorship. | 12 | MellowHamster | 2024-11-30T20:08:15 | null | 9 | /r/CanadianInvestor/comments/1h3977k/is_it_bad_to_hold_xiu_when_trump_brings_in_the/lzrg842/ | 1 | t3_1h3977k | t1_lzptp54 | false | false |
lzrke0v | Yes, you can start for sure. Sign up for wealthsimple and buy XEQT. its basically a fund that has all the major companies in the whole world bundled into one. There is no minimum balance and it allows fractional shares, you can start with $1 if you wanted. | 1 | congressmanlol | 2024-11-30T20:30:46 | null | 1 | /r/CanadianInvestor/comments/1h3g0d2/looking_to_start/lzrke0v/ | 0 | t3_1h3g0d2 | t3_1h3g0d2 | false | false |
lzrlt8o | first of all, those tariffs likely wont be implemented. if they do, then the american markets will likely take a dive too. | 1 | congressmanlol | 2024-11-30T20:38:12 | null | 1 | /r/CanadianInvestor/comments/1h3977k/is_it_bad_to_hold_xiu_when_trump_brings_in_the/lzrlt8o/ | 0 | t3_1h3977k | t3_1h3977k | false | false |
lzrpzi6 | people want to work more if they can make more | 1 | MisterSkepticism | 2024-11-30T21:00:58 | null | 0 | /r/CanadianInvestor/comments/1h2n8px/real_gdp_per_capita_declines_for_6th_consecutive/lzrpzi6/ | 4 | t3_1h2n8px | t1_lznl5tp | false | false |
lzrra0t | I suggest you talk to a fee-only financial advisor because there's alot more to it than picking the right etf. Especially given possible health issues, and other factors we don't know about. | 8 | jaredongwy | 2024-11-30T21:08:17 | null | 7 | /r/CanadianInvestor/comments/1h3m3lw/xeg_etf_and_xeqt_etf/lzrra0t/ | 0 | t3_1h3m3lw | t3_1h3m3lw | false | false |
lzrs67x | VFV is one of my favourite ETFs. I like Vanguard a lot because of their super low management fees. But the above person does have a point - I can’t stress how important diversification is.
It’s all about your risk tolerance, and everybody is different. Some people only invest in GICs because they are guaranteed and it’s impossible to suffer a loss. ETFs technically do come with a slight risk, but usually have a slight to moderately greater reward than GICs.
About 50% of my portfolio is in ETFs. I’m currently holding VFV, VUN, and VGG on the Canadian side (I invest in both CAD and USD). They make up the bulk of my TFSA and RRSP and I plan to hold them long term. I have about 10% in a GIC and another 10% I use for daytrading (I never trade with what I cannot afford to lose). The remaining 30% is in growth stocks that I periodically rotate every few months, and I never put more than about 3% of my available cash into any single stock.
Wealthsimple doesn’t have minimum balances or commission/transaction fees and it also has dividend reinvesting - so you’d turn this on and any dividends you earn will get automatically put back into the same stock, so over the long term, you’d be earning dividends on your dividends.
Know your personal risk tolerance, always diversify your portfolio, and be ready to cut your losses if you need to. | 2 | AmbiguousLemur | 2024-11-30T21:13:21 | null | 2 | /r/CanadianInvestor/comments/1h3g0d2/looking_to_start/lzrs67x/ | 2 | t3_1h3g0d2 | t1_lzqk0ak | false | false |
lzrsbxn | You have to have 2nd level think when investing. Just because trump is good for energy doesn’t mean it will do well under him. Trump will tell them to drill which will increase the supply and probably decrease the price of oil. Personally, I would have a low weighting to oil stocks under trump. | 3 | hellolittleman10 | 2024-11-30T21:14:15 | null | 3 | /r/CanadianInvestor/comments/1h3m3lw/xeg_etf_and_xeqt_etf/lzrsbxn/ | 0 | t3_1h3m3lw | t3_1h3m3lw | false | false |
lzrsfxg | He won’t put tariffs on oil/gas | 2 | Open-Standard6959 | 2024-11-30T21:14:54 | null | 2 | /r/CanadianInvestor/comments/1h3977k/is_it_bad_to_hold_xiu_when_trump_brings_in_the/lzrsfxg/ | 0 | t3_1h3977k | t3_1h3977k | false | false |
lzrsvbp | I actually have an appointment booked tor Tuesday morning with an FA - I was going to discuss this with them along possibly with any other suggestions or tips from members in here | 5 | ectopicthunder | 2024-11-30T21:17:18 | null | 4 | /r/CanadianInvestor/comments/1h3m3lw/xeg_etf_and_xeqt_etf/lzrsvbp/ | 1 | t3_1h3m3lw | t1_lzrra0t | false | false |
lzrsx4c | VFV for the long term would be good | 1 | MathematicianNo2605 | 2024-11-30T21:17:35 | null | 1 | /r/CanadianInvestor/comments/1h3g0d2/looking_to_start/lzrsx4c/ | 0 | t3_1h3g0d2 | t3_1h3g0d2 | false | false |
lzrv6pn | I've been holding HXT for the past few years, and honestly, it is outperforming VCN. That's reason enough for me. | 1 | SixtyTwoNorth | 2024-11-30T21:30:30 | null | 1 | /r/CanadianInvestor/comments/1h33sg2/is_there_a_logical_reason_to_buy_hxt_over_vcn_in/lzrv6pn/ | 0 | t3_1h33sg2 | t3_1h33sg2 | false | false |
lzrvv6z | until they jack up electricity rates | 1 | MisterSkepticism | 2024-11-30T21:34:22 | null | 0 | /r/CanadianInvestor/comments/1h0ilrt/investing_in_gas_prices/lzrvv6z/ | 1 | t3_1h0ilrt | t1_lz4n0qx | false | false |
lzrvvat | Once you figure out how to time the market, let us know.
I won't be listening to you. | 1 | ARAR1 | 2024-11-30T21:34:23 | null | 1 | /r/CanadianInvestor/comments/1h3977k/is_it_bad_to_hold_xiu_when_trump_brings_in_the/lzrvvat/ | 0 | t3_1h3977k | t3_1h3977k | false | false |
lzrw0bl | In the short term. But I see it more as buying opportunities. | 3 | Lightning_Catcher258 | 2024-11-30T21:35:11 | null | 3 | /r/CanadianInvestor/comments/1h3977k/is_it_bad_to_hold_xiu_when_trump_brings_in_the/lzrw0bl/ | 0 | t3_1h3977k | t3_1h3977k | false | false |
lzrwg47 | There is an entire sub about investing in just xeqt.
No one can say for sure what is going to be the hottest sector or industry over he next few years which is why a lot of people lean on xeqt and a lower risk long term option. | 2 | silent_fartface | 2024-11-30T21:37:41 | null | 2 | /r/CanadianInvestor/comments/1h3m3lw/xeg_etf_and_xeqt_etf/lzrwg47/ | 0 | t3_1h3m3lw | t3_1h3m3lw | false | false |
lzrwi9x | Large market order thursday at close inflated zsp value. | 1 | MixWazo | 2024-11-30T21:38:01 | null | 0 | /r/CanadianInvestor/comments/1h3mypj/why_did_zsp_go_down_when_vfv_went_up_friday/lzrwi9x/ | 0 | t3_1h3mypj | t3_1h3mypj | false | false |
lzrz1o9 | The only reason ZSP went up Thursday is because of market orders, rather than alignment with US securities. It leveled back out once the US market opened. | 15 | _BoNgRiPPeR_420 | 2024-11-30T21:52:32 | null | 15 | /r/CanadianInvestor/comments/1h3mypj/why_did_zsp_go_down_when_vfv_went_up_friday/lzrz1o9/ | 0 | t3_1h3mypj | t3_1h3mypj | false | false |
lzs2bpx | There is counterparty risk as the fund has a total return swap with a Canadian bank. Low risk to be sure. | 1 | Commercial_Pain2290 | 2024-11-30T22:11:32 | null | 1 | /r/CanadianInvestor/comments/1h33sg2/is_there_a_logical_reason_to_buy_hxt_over_vcn_in/lzs2bpx/ | 1 | t3_1h33sg2 | t1_lzphfag | false | false |
lzs2iht | Bring that oil to the East Coast | 2 | Missreaddit | 2024-11-30T22:12:40 | null | 2 | /r/CanadianInvestor/comments/1h3977k/is_it_bad_to_hold_xiu_when_trump_brings_in_the/lzs2iht/ | 6 | t3_1h3977k | t1_lzq9tx7 | false | false |
lzs3tud | XEQT is specifically designed to be a one stop, no skill or knowledge needed, investment platform for long term growth. That means you should always theoretically beat inflation in it but it will also never be the absolute highest grossing etf due to its diversity. It’s basically a “always good returns and never bankrupt” etf. So unless you know how to find value and analyze charts etc investing in anything else without serious knowledge is just playing pure casino luck. Depends what you’re looking for.
The vast majority of fee financial advisors will not outperform XEQT long term especially with their fees added in. | 2 | specialk554 | 2024-11-30T22:20:27 | null | 2 | /r/CanadianInvestor/comments/1h3m3lw/xeg_etf_and_xeqt_etf/lzs3tud/ | 0 | t3_1h3m3lw | t3_1h3m3lw | false | false |
lzs6xu4 | 40Million vs 400Million. There are a lot of economies of scale at work. Even if we magically remove all taxes on business and red tape, that wouldn’t help. Anyway US market is terribly overpriced due to money printing. You should pray for a correction. | 1 | Realistic-Mess-1523 | 2024-11-30T22:39:05 | null | 1 | /r/CanadianInvestor/comments/1h2eexk/vfv_first_canadian_etf_to_reach_20_billion/lzs6xu4/ | 0 | t3_1h2eexk | t3_1h2eexk | false | false |
lzsat0i | Hold your breath while I invest my would-be gas money instead. | 1 | Betanumerus | 2024-11-30T23:02:35 | null | 1 | /r/CanadianInvestor/comments/1h0ilrt/investing_in_gas_prices/lzsat0i/ | 2 | t3_1h0ilrt | t1_lzrvv6z | false | false |
lzsg5wh | Because US markets were closed (the underlyings of both etfs). Canadian markets were opened so both etfs traded while disconnects from their NAV. Their market price drifted from their NAV temporarily. | 4 | givemeyourbiscuitplz | 2024-11-30T23:35:38 | null | 3 | /r/CanadianInvestor/comments/1h3mypj/why_did_zsp_go_down_when_vfv_went_up_friday/lzsg5wh/ | 0 | t3_1h3mypj | t3_1h3mypj | false | false |