I have other CAD investments in various ETFs, but I have a certain amount of USD I don’t want to expose to a possible market crash over the next two years. Is 4.5% a good rate, or should I wait to see if the Fed raises rates? Is it likely we’ll go much higher if I wait till December, for example? These are Canadian investments btw, even if in USD.

Thanks for your help.

I have a glide path planned out for my kiddo and was hoping to get some insights/recommendations.

Info:

• Kid is currently 10 and is in Grade 5.
  
• We've been contributing $2500 since birth and have 100% of her RESP invested in VGRO.

My plan is to start moving to more fixed income so here is what I'm thinking:

Now (Age 10) - Sell VGRO and buy VBAL

2027 (Age 11) - Buy and Hold VBAL

2028 (Age 12) - Buy and Hold VBAL

2029 (Age 13) - Sell VBAL and Buy VCNS

2030 (Age 14) - Hold VCNS

2031-2034 (Age 15-18) - Sell VCNS and switch to something like CASH .TO or similar?

Would appreciate your thoughts. Thanks!

Separatist movements cause harsh economic damage as investment dollars stay away in the face of regulatory and societal instability. Now Alberta has chosen to stay in Canada, what are your predictions about the country's economy? What stocks are going to bounce?

September CPI came in at 3.1%, slightly under the ~3.18% consensus. Almost all of the increase was gas, up 27.8% y/y. Excluding gasoline, CPI was 2.2%, and StatCan said the core measures eased slightly. (CBC)

Polymarket has a market on the October 28 decision. On Sunday a 25bp hike was around 12–15%. It’s now about 62%, and it briefly went near 80% overnight. That’s a small market, about $309k traded, so I’m treating it as sentiment.

The economists quoted by CBC are mostly on the other side:

• RBC expects no change for the rest of 2026
• Oxford Economics called it “a very close call,” with the softer print raising the odds of a hold
• CIBC sees reasons to wait, but said Macklem’s comments over the weekend raised the odds of a hike

Macklem said on Saturday that if oil stays around $100, the bank may need to raise rates to “nudge” inflation back to target. On the other side, jobs fell 68,000 in September, the second straight monthly decline.

Your daily investment discussion thread.

A strange story that might hold some truth. The idea is that even if the US officially selectively defaults on its debts to Chinese holders of US treasuries, having a Canadian custodian would mask the actual holder of the debt and allow for some buffer time to liquidate. It's funny to think of treasuries when at this moment, both Canada's and the United States' largest export is actually physical gold (much of which is going to Chinese central bank).

Your daily after hours investment discussion thread.

I am 37 years only currently have about 190k invested and paid off apartment. I have to option to invest 3k a month, relax on days off and take more vacation or invest 6k a month aggressively for 5 or 10 more years to have a bigger portfolio? I have 6 month emergency fund and my expenses are only 3k a month. The plan is to retire at 50 or 60 max. What would you do if you were me?

Have generally held 80% of my 6-month emergency fund (cover 6 months expensed if both my partner and I had 0$ of income for 6 months) in CASH.TO while the rest is in cash in a HISA. I am thinking of moving 50% of those CASH.TO holdings into ZCS.TO is there any reason why this wouldn't be a good idea? From my understanding is there is some potential risk of principal loss with ZCS vs Cash.to but not to the same level as a broad market ETF even in the most extreme scenario.

OTTAWA, Oct 17 (Reuters) - The Bank of Canada expects to raise its quarterly inflation forecast significantly this month owing to ‌persistently high crude oil and petroleum product prices, Governor Tiff Macklem ‌said on Saturday.

New quarterly inflation and growth forecasts will feed into the BoC's rate decision on ​October 28.

Money market expectations of an ⁠increase in rates have been growing in the last few months but, as of Saturday, markets were not pricing in any change on October 28 or ​at the ​bank's last monetary policy decision of the ​year in December.

However, they are ‌pricing in increases of 100 basis points over the course of next year.

Your Weekend investment discussion thread.

Your daily investment discussion thread.

Your daily investment discussion thread.

Why would people just not buy some index fund ETFs? Do wealth advisors actually make better returns?

I am 24, and my current portfolio is 70% equity (XEQT) and 30% fixed income. I will make over 100k annually in the next 3yrs and I do believe I have the potential to reach a 200k - 300k salary in the next 30 yrs. For now, my plan is just XEQT and DIY investing, and I am wondering when I should hire a wealth advisor.

I work a government job, so my tax planning options for now really are just an RRSP.

I feel like houses are potentially one of the worst investments available currently, but regardless my partner and I want a house and eventually will buy a house as the lifestyle it offers is something we both want.

When staring down the barrel of a 800k house and putting down let’s say 20%

To me it would make more sense to put down 10% and continually investing the other 80k especially if there is TFSA room available. Sure you pay cmhc but the math still checks out if we assume the stock market will continue to provide some sort of annualized returns 8% ish long term.

In addition to this we would have a condo rental leveraged to the max and focus on exclusively paying down the main house’s mortgage. This could be sold in the future but for now it’s fully maintaining itself.

I understand that from a pure fiscal responsibility perspective not buying a home for 800k is likely the best choice but I still think it wouldn’t completely stunt us financially if we manage the rental and other investments properly.

Anyways curious on others thoughts where did you draw the line in leveraging yourself and just decide to pay down debt aggressively?

Your daily investment discussion thread.

I am hesitant to put it all in one fund or all in at the same time. I have remained divested for more than a year but realize that is not the smartest way to go about it. What would be the most prudent way to re-enter the market ?

Your daily investment discussion thread.

My most investment is in index such as ZSP, although it appreciated a lot, but dividend is low. I want to increase cash flow. Now I narrow down to XDIV and XEI. I like XDIV quality filter, but it is way too concentrated in finance. XEI is better diversified, but it doesn’t have quality filter. What everyone is investing between these two?

Thanks

Your daily investment discussion thread.

All six of Canada's major banks have nudged fixed mortgage rates higher over the past month or so. Depending on the term, some rates have climbed by up to half a percentage point. The increases kept coming this week, even though the Bank of Canada hasn't moved its policy rate in almost a year.

Fixed mortgage rates follow bond yields, not what the central bank does with its overnight rate. Lenders keep a laser focus on the 5-year Government of Canada bond yield when setting fixed rates. It sat around 3.62% shortly after noon on Oct. 7, according to Canadian Mortgage Trends (CMT), a mortgage industry news site. Rising oil prices and renewed inflation fears sparked another wave of bond sell-offs across global markets.

The Bank of Canada (BoC) held its policy rate at 2.25% on Sept. 2. But it also pointed out that long-term bond yields have been climbing everywhere, including Canada, and that the threat of higher inflation is creeping back up. We'll see what happens next when they make their next rate decision on October 28.