Hey guys! If this video seems familiar, that's because it is! I re-edited the original video and reposted it because the original has essentially been frozen for over a month.... check out my TH-cam Community post for more details about what is happening with this: th-cam.com/channels/SadrZbocL562URt0QDF3eA.htmlcommunity I haven't really added any new information here, I just polished it up a bit so if you don't want to watch it again, feel free to skip it =) And check out my STOCK PICK RECOMMENDATIONS to help guide you in the world of investing 👇 th-cam.com/play/PLj8bU3AuW2qFD4sCsCxXdaAADlyiP8bqB.html
You called it! BMO's stock price jumped way back up. Thanks for the awesome tip. The way you give evidence into why to invest in a certain stock is valid and makes you more credible. I've subscribed to your channel. Keep it up!
Thank you is not enough for your videos.You have cleared the fog from what to me is a new language.I sincerely look forward to the next video Thanks again.
Thank you for these videos! You make it clear and easy to follow so I don't get lost. AND you're a fellow Canadian! A lot of financial videos I watch and podcasts I listen to talk about Roth IRAs and other US investments. Being a Canadian investment channel I get a lot of useful information from you. Thanks again, and keep up the great work!
Thank you Eddie! I appreciate those kind words and you're absolutely right! There is so much American content out there but we need more Canadian stuff too! That's why I started this channel! =)
Canadian in a T-Shirt ya BMO most recent, wanted to make sure price wasn’t gonna plummet with release of Q2. Wanted to get into Fortis but it’s rallied quite a bit. Atco is at much more of a discount
Thanks man! That's why I started this channel! There are TONS of great financial resources out there but almost all of them are targeted towards Americans. We need more Canadian content as well! =)
@@CanadianTShirt yes definitely we do need more content on canada. do you plan to do a video on value investing or DCF model investing to teach people how to value stocks? also I use questrade too and love it, however when selling etf they still charge me so its not completely free on etf but overall much better than competition.
I agree. Quick question, what happen to yield when the stock price goes up? Will the yield rate applies to the new market price or applies to the price when you bought the stocks? Thanks
@@rowanbean3757 yield rate applies at the time you buy the stock. if you add to your position after that then yield becomes an average of your last buy and your new buy.
@@rowanbean3757 The dividend yield is always based on the current market price so the dividend yield fluctuates every minute. Don't worry about the dividend yield, the dividend per share (a dollar amount) is what you really care about. That is how much money you will receive in cash for every share that you own, and this does NOT depend on the price of the share. This value is usually fixed for at least a year, until the company decides to increase or decrease it
Love the video! I’m seeing it late and the markets have rebound. But I’m starting my portfolio in a day or two and didn’t think about Canada’s big banks... these are perfect for my long term dividend growth portfolio.
It's definitely not too late to take advantage of these discounts! A lot of the Canadian market has rebounded but they still are below their pre-crash highs of March =)
Stumbled across your channel, subscribed. Very fast, to the point and clear. Great picks, I prefer BNS in banking, Algonquin instead of FTS, Telus is a rockstar, Allied is new for me - looks good. Good job.
I own all of these in my portfolio! They are essential holdings and I believe will do well long term! Have Telus dripping after the split and will love to watch them all grow!
I own all except for Allied. I’ve been buying mainly US stocks in my RRSP the last few years, and mostly Canadians stocks in my TFSA. I had a few reits on my watchlist but never pulled the trigger on a buy yet.
Check out my video on Investing with your TFSA: th-cam.com/video/i_bWf1NyUbE/w-d-xo.html That's the same strategy I use: US stocks in RRSP and Canadian dividends in TFSA but you should also place extra priority on Canadian REITs in your TFSA. The reason for this is that in a non-registered account, REITs are taxed much higher than regular Canadian dividends. REITs will almost be taxed as much as regular income (the highest possible tax rate) so REITs benefit the MOST inside a TFSA. I'll be making a whole video on REITs soon so stay tuned for that =)
@@CanadianTShirt Hmmm... I have a bunch of U.S stocks in my TFSA - my RRSP is where my index funds are... is this going to hurt me long term or can i slowly transition? I just bought everything last week
Man, I love your enthusiasm, and the details you provide regarding all the stocks! Keep going. Totally all great picks, especially the banks. I have positions in both TD and BMO for the long term. At current prices they are great buys in my opinion. :))
I'm going to buy my first stocks tomorrow...a bit hesitant as my friend started buying stocks for the first time recently and lost thousands of dollars haha...but your videos are giving me confidence :)
The first step is always scary... but remember, the most important thing is to not give into your emotions and fear and panic. If you believe in the company's future, then ignore the short term fluctuations. Hold onto the stock for the long term. And remember you do NOT have to jump in with all of your money at once! Maybe just start with $1000 or so and then next week put some more money in. It is much safer and less stressful to spread out your investment over a period of time. Happy investing! =)
You got it buddy! But all of the stocks in this video are still great options and I'm continuing to invest in them all, and some of them are still trading at discounts as well =)
Hey Adrian just bought 500$ of TD Banks and 500$ of RIO CAN. My very first individual stock purchases!! Now I'm keeping an eye on Telus and Fortis next.
@@CanadianTShirt I've been thinking a lot about diversification and seeing as I'm so early in my investment years how much emphasis should I put in country diversification as my risk tolerance isn't very low? However is their a a risk in having only stocks in Canada and US? I don't believe their would be such a disruption in which that would be the case but should I even bother with international stocks If I hold diversified dividend ETF's in Canada and US as well as solid dividend companies in both? Because I don't know how you can be more diversified than that and I don't want to deal with the foreign tax and such on international positions.
@@sousavann Yeah, I'm thinking of getting RioCan as well. I don't want a REIT ETF just 2 good companies with high dividend. I look not just at dividend though but also stock price (as SRU is doing actually better long-term its looking) over RIOCAN and at the top end was higher share price (which means shares can double in price as well as just dividends). I may get both!
I'm glad I'm watching your videos. I was about to do some trading on a few apps that trade bitcoin. I think I'm gonna pass on that and look into a TFSA instead. You might have saved me from blowing a few thousand dollars today.👍
I personally don't invest in crypto currency but it's your money, feel free to play around with it but please do NOT invest in serious money that you will be counting on. The bulk of your investments should be in well established and secure companies and ETFs, especially in tax-sheltered accounts like the TFSA =)
Love the video! I would love if I could slow it down or have you talk slower haha trying to learn / take notes on things I find myself constantly pausing and starting the video. Thanks for the information :)
I hear what you're saying and I know that I talk fast but I want to pack as much info as I can and if I slow down... these videos will be over 30 minutes long... That's why I manually write out English subtitles for all of my videos and with the text that I overlay on the screen, I hope that helps you understand when I talk quickly. Another thing you can try is to slow down the video. On the bottom right of the video, click the Settings Gear icon, Playback Speed and slow it down to 0.75. I hope that helps! =)
Between Fortis and Algonquin Power & Utilities Corp. which one would you choose? They both are similar in dividends and holdings. But the price gap is huge (Fortis $49 and AQN $19) Both are Canadian div Aristocrats.
They are all great pics with a solid track record. I personally don't own Algonquin stock directly but I am indirectly invested in them through ETFs =)
You mentioned working in an Allied Properties owned location. Have your feelings changed regarding it's outlook? I'm curious about your personal observations regarding the direction of work from home. I am convinced that Allied will be a survivor of the current office space dip, but I'd certainly appreciate first hand knowledge. I put 100% of my portfolio into Allied this year at an average price of $18.55, and buying as much as I can along the way.
Should I get RBC & TD? OR should I do TD / BMO? Or RBC/BMO/TD? I don't want to get so many banks as it becomes costly. What do you feel are the best 2 to stick with long term? RBC is pretty costly atm ($85+)
Thank you very much! Great video! A lot to learn!! Q: What I should if I need to move my funds from Financial planning accounts to direct investing accounts? Thanks!
Hey Carlos! I have a whole video tutorial on How to Transfer Funds and Investments from another institution into a Direct Investing Account like Questrade: th-cam.com/video/Bf1zufNlQSk/w-d-xo.html Note that if you are holding mutual funds in your bank, you might not be able to hold those in Questrade so you might have to sell those mutual funds and then do a cash transfer =)
Quick question: How did you come up with 28% payout ratio for Allied? D/NI? AP.UN's payout ratios are between 70% (NFFO) to 84% (AFFO). If you are using D/NI, other REITs are much more attractive than AP.UN. And here are also my thoughts: - REITs: If you are investing in REITs, instead of investing in only one REIT, you may as well get VRE for a basket of REITs to diversify the portfolio with higher distribution rate. - Financials: Considering where the economy is heading, we should consider the potential increasing default rate in 2020 & 2021. It may seem attractive right now, but it may be better to wait until after Q2 release to see banks' bad debt reserves. - Util/Comm: These categories are probably more stable at the moment, but util is a better bet because part of telecom's revenue is from subscriptions and live events (vs necessity's guarantee). With everything shuttered, their revenues are impacted.
I love ur videos and I share it with my friends. Can u possibly make a video on dividend capturing strategy. I am trying to learn more about it. I heard u saying that certain dates, depending on a stock if sold earlier we still get a dividend. Even though we don’t own it at the time of dividend paid out.
Thank you Atif for spreading the word to your friends! Make sure you check out my Dividends Explained video where I go over the important dates like the Ex-Dividend date and the Dividend Payment date, I hope this video helps! =) th-cam.com/video/6xzfgObXxvU/w-d-xo.html
No lie, this was a fantastic vid. One video and you earned yourself a new subscriber. I'm new to the investing game, and an American, so, a little curious as to what issues would arise if I bought a Canadian stock, but you got me interested. Besides conversion rates, do you have an idea what I could expect causing some issues or raising some problems? Best, -Cody
If you buy these Canadian stocks on the NYSE, your dividend payouts will be in US dollars as well, and despite the conversion fees to purchase them initially, its likely that the USD-CAD movement in the future will actually benefit your profits.
I don't like gambling with foreign exchange rates, they can be incredibly volatile. Sure you "can" earn some extra money if the rate moves in your favour but you are guaranteed to pay around 2.5% in currency conversion fees. I would rather keep my Canadian investments in CAD and US investments in USD
Thank you Paul.... that's a difficult question to answer but it will definitely be a struggle. It's too early to say but it's something we all have to keep our eye on moving forward
th-cam.com/video/U5iIXvXtimY/w-d-xo.html Watch Gregory Mannariono. Stocks will go higher no matter what as long as the FED continues to promise unlimited dollars to wall St.
Hi! Thanks a lot for your videos I`m wathing every single video, and I give a like to every single video, Quick question if i bought some US shares and i have them in a TFSA account, and i decide to sell them do i need to pay tax for the profit of them or just tax for the dividens?, Thank u!
Hi, great videos. I try not to miss any of your videos. Just wondering whats your take on inverse etfs? And where do you see the market 6 months to 1 year down the line?
Looking to invest some in telus on my next pay! Bell and Roger's heavily relied on cable tv and with the current situation, more people will be cancelling cables and besides, TH-cam and netflix are there:)
Great video, I really like your clear explanation of each stock. Best intro to new dividend stock investor. You have gained a new like, subscribe and notification. I will be recommending to family & friends.
Hi! Now that a few months have passed, do you still think Allied is a good investment with so many people now working from home? I think that more companies will continue to allow employees to work from home moving forward, now that they realize it's possible, and will save them tons of money by not paying for office space.
Hello again, it's me, one of your newest subscribers....I have a very "humorous side to me" so at 11:41ish, you say that Telecom's are always in demand and Never go away? NORTEL ? remember....and Telus vs. Shaw can you do a compare and maybe it is your #5 current $$ T @ 24.43 and S @ 25.27 dividend is lower for Shaw though... Thanks again!
Hey Adrian! New subscriber here - fellow Canadian (you are VERY right, there is not a lot of Canadian-focused investing content!) I've recently dived into self-directed investing and of all the dividend stocks, I picked up BNS! It looks as though the stock price is still depressed (the other banks have made near recoveries to their Jan prices) - thoughts on why BNS is trailing the other banks? Thanks!
i bought 15 more of VRE. total 30. thats around 2.18$ a month with around 400$ invested. as for energy i went with enbridge but ill look into fortis too.
Great video Adrian! I’m just starting to educate myself on investing and this was my first video I clicked on and I’m so glad I did, subscribed in 30 seconds haha. I’m super interested in the BMO stock, now I need to figure out how to create an account somehow! Can I do that directly with my bmo bank or does it have to be a broker? On behalf of every viewer here, thank you for sharing your wise words!
Hey Chris! Thanks buddy for those kind words, I really appreciate it and welcome to my channel! Check out my video tutorial for a step by step guide on how to buy stocks using Questrade which is my favourite online broker: th-cam.com/video/_V2yBWwOZX4/w-d-xo.html You can also use BMO as your online broker but they are quite expensive... they charge you twice as much as Questrade does when you buy stocks and on top of that, Questrade allows you to buy ETFs for ZERO commission whereas BMO still charges the regular $10 per trade. Happy investing! =)
Hello, always enjoying your contents, great contents. Just one question please. How do you know the dividend pay per share? Can u calculate it or a company sets the pay per share annually and it's fixed? Please tell me how to calculate it if its done that way 🙏
with tech companies considering letting their employees work from home even after the pandemic, do you still think REITs in the tech sector is a good stock choice?
Thanks for the videos mate. I’d be interested in a video where you show a diverse portfolio. Right now, I buy dividend stocks and etfs along with a TFSA with Wealthsimple. I’d love to know what index funds and bonds I could be adding to create the perfect balance of diversity I should have and not just solely rely on dividend shares. Thanks
You got it! I will be making videos on my favourite growth (capital appreciation) stocks and ETFs to invest in as well. I'll also be making videos where I do a tour of my portfolio and I will explain how I ensured that it is well diversified. Stay tuned for those! =)
@@vrutikpatel3194 Since it is a US dividend, you will pay a 15% withholding tax even in a TFSA. That's why you should hold US dividends in an RRSP, check out my RRSP investing video for more details: th-cam.com/video/gcYlQl6hF6w/w-d-xo.html
We have some of the best investments in the world in Canada! It's so important to diversify, not just across industries but also across countries and markets! =)
Hey Adrian, are you still bullish on Allied Properties considering more people are now working from home. Is the current payout ratio an issue?? Thanks for responding to my questions! Enjoy the weekend.
It could be but I don't really care what they are worth 6 months from now, I care what they are worth 10 years from now. If the price goes down even further in 6 months, then I will invest even more into them because I am confident that in 5, 10, 20 years these companies will continue to grow and pay dividends every step along the way
@@CanadianTShirt Sure - my point is looking at is as a "discount" can be dangerous. Airline stocks (especially US airlines) are at a great "discount" right now but it's because some may fold or never fully recover.
Personally, I don't invest in energy producers. I prefer to invest in energy distributors like pipelines and electrical companies since they are far less dependent on the price per barrel which we have seen can swing dramatically in the past year! =)
FYI..you can drip BMO, Fortis, Telus....with only 1 stock. Purchase one of these stocks and have the broker issue a certificate for your stock. You can then sign up for DRIP via the transfer agent. For the 3 stocks mention the transfer agent is Computershare. No need 4200$ to qualify..not sure how you get this figure.
But you can always look up a stock on Yahoo Finance and go see the dividend history. Then you'll see if the dividends are paid every month or every 3 months =)
Hey Adrian, what are your thoughts on picking up some shares of Allied? Currently it's almost trading for the same price it was when the crash happened back in March.
How many of us can afford the bank stocks you are referring to, TD $85.23, BMO $116.24, CB $129.47, RB $119.04. One would need a good number of shares to make good money on the dividend date.
@@CanadianTShirt I have shares in NWH.UN, EIT, FC, HHL, INO, APR, DIR, CRT, TF & a few more, all have paid dividends throughout the pandemic & the maximum price is around $16.00 per share. Pays monthly anywhere from .6¢ to .8¢ per share.
It is always better to diversify your investment rather than put all of your eggs in one basket just to reach that DRIP value faster! I get the temptation, you want to reach that DRIP as soon as possible but what happens if that stock suspends their dividend? Then you are left with no passive income! It's much safer, especially for beginners to spread out their investment over multiple stocks. Sure it will take longer to reach DRIPs with all of them but it's not a race, you don't have to reach a DRIP all at once. You can do it step by step over the course of months =)
The dividend amount is usually constant for a year. Usually at the end of the year, they will decide whether they will increase or decrease the dividend. But the yield depends on the price of the stock so the dividend yield (annual dividend / share price) fluctuates every minute. I hope that helps =)
how did BMO pay out dividends during WWI and WWII? there were no electronic banking stuff. BTW, Allied is not doing too well during COVID. most of the offices closed
That was the old school method of banking and investing when investors would hold stock certificates and then the companies would send them a cheque! It's amazing to see how far we have come! Also regarding Allied, remember don't focus too much on the short term performance. Yes Allied is DEFINITELY hurting which is why they are trading at such a discount but these properties will still be in a huge demand once offices reopen. It's always important to keep a long term mindset and with that mindset, you can take advantage of opportunities like this =)
They currently have a payout ratio in the 70s which is still quite normal for a telecom company. Sure I would prefer a lower payout ratio but as long as it's below 85%, I'm comfortable. Also another thing to consider is that Telus has long term contracts with millions of companies and consumers and that is guaranteed revenue for years to come so I don't see them killing their dividend streak anytime soon
Check out my most recent video breaking down all of the benefits of Questrade and I discuss WealthSimple Trade as well! th-cam.com/video/uoOBRUY8IXQ/w-d-xo.html I will also be making an entire video comparing these two platforms so stay tuned for that! =)
I am trying to decide if I should top up by RIO can or Allied. I just started investing so my contribution is just a couple grands on these two stocks. Allied looks more interesting right now because it's on a downward trajectory and right now I am on a minus despite buying it during this pandemic lol. Rio CAn in the other hand, when I look at it from the price history, looks more interesting in the future as I can make potentially double when we get out from this pandemic.Also my rio can is positive not negative at the moment. Please advice.
I don't know if this has been asked before but I'm wondering what your thoughts are with regard to Allied, given that the whole workspace environment is changing long term, lots of companies are looking at working from home options and whether they need expensive office space anymore. Thanks
Hey Adrian, is there a difference between buying bank stocks on american markets vs toronto? (Aside from currency conversion).... difference between TD.TO vs TD
Not really... but they are considered different stocks. You cannot combine your Canadian and US versions of these stocks. Also, since they trade on different exchanges, sometimes they might not be at the exact same price (adjusted for currency exchange rate) and they might also trade at different volumes. But overall, there really isn't a difference between them
Hello, I have a question. I just opened a TSFA and I'm not 100% sure what stocks to buy yet as I am researching. You say never to keep cash there. Would you say it is ok to keep the money there until I decide?
Oh of course! What I meant to say is don't keep thousands of dollars sitting in cash for months or years. That cash is doing NOTHING for you, in fact it's losing 2% of its value every year due to inflation. But absolutely, if you're still researching where to put that money, it's totally fine to leave the cash there for a few weeks. It doesn't cost you anything =)
Hi Adrian, I'm thinking about getting a line of credit since the interest rate is low and use it to buy dividend stocks.... What do you think about this strategy?
I did just that already. $51 in interest to make $82 a month in dividends. There is no way I could do the opposite and say put $51 a month into a TSFA and then have to pay a transaction fee. This way there is no fees other than initial purchase. I picked TQCD ETF from TD.
It will be interesting to see! IPOs are notoriously difficult to predict since it's just clouded in hype and speculation. That's why I always avoid IPOs =)
I know you've touched on Riocan before, but would you recommend it over the likes of Smartcentres or H&R? My H&R position along with Brookfield properties are performing poorly and was wondering if SRU or REI would be better options for a long term hold
Hey guys! If this video seems familiar, that's because it is! I re-edited the original video and reposted it because the original has essentially been frozen for over a month.... check out my TH-cam Community post for more details about what is happening with this:
th-cam.com/channels/SadrZbocL562URt0QDF3eA.htmlcommunity
I haven't really added any new information here, I just polished it up a bit so if you don't want to watch it again, feel free to skip it =)
And check out my STOCK PICK RECOMMENDATIONS to help guide you in the world of investing 👇
th-cam.com/play/PLj8bU3AuW2qFD4sCsCxXdaAADlyiP8bqB.html
And be sure to check out my QUESTRADE GUIDE 👇
th-cam.com/play/PLj8bU3AuW2qEIaIoR89ZHl9enwMJzz9De.html
Check out my CANADIAN TAX GUIDE 👇
th-cam.com/play/PLj8bU3AuW2qEA_ik7NOAIkBY02nt7KAPj.html
Learn EVERYTHING about investing with my MILLENNIAL INVESTING GUIDE 👇
th-cam.com/play/PLj8bU3AuW2qEVri8g-ErBL65ng98iAf5g.html
Hi Adrian, thanks for the great content. Fyi, your Questrade promo code is not valid anymore.
@@shaokaichen9629 It should be working now! Thanks for being patient =)
SIMPLE, UNDERSTANDABLE, PROFESSIONAL. GREAT VIDEO.
Thank you! I really appreciate those kind words and I'm glad that my videos have been helpful! 🙏
You called it! BMO's stock price jumped way back up. Thanks for the awesome tip. The way you give evidence into why to invest in a certain stock is valid and makes you more credible. I've subscribed to your channel. Keep it up!
Thanks buddy! I'm glad that you found my videos helpful and it's always nice when time proves me right 😆
Thank you is not enough for your videos.You have cleared the fog from what to me is a new language.I sincerely look forward to the next video Thanks again.
Thank you so much! That is so kind of you to say! My new video should be out tomorrow! =)
This was very exciting to watch, your passion and enthusiasm is what earned you a new subscriber today.
Thank you for the great content!
Thanks buddy! I really appreciate that! 🙏
This is the most organized and informative video of the category. Thank you so much!
Thank you! I really appreciate that and I'm glad it was helpful! =)
Thank you for these videos! You make it clear and easy to follow so I don't get lost. AND you're a fellow Canadian! A lot of financial videos I watch and podcasts I listen to talk about Roth IRAs and other US investments. Being a Canadian investment channel I get a lot of useful information from you. Thanks again, and keep up the great work!
Thank you Eddie! I appreciate those kind words and you're absolutely right! There is so much American content out there but we need more Canadian stuff too! That's why I started this channel! =)
Built up my dividend profile with earnings from the crash. BMO, Atco, RioCan, ENB, BPY and POW. Gotta have that passive income
Those are great choices! Way to go buddy! Did you pickup your BMO dividends this week? =)
Canadian in a T-Shirt ya BMO most recent, wanted to make sure price wasn’t gonna plummet with release of Q2. Wanted to get into Fortis but it’s rallied quite a bit. Atco is at much more of a discount
Man I wish I watched this a few months ago! Great vid, thank you!
Better late than never! Thanks Vineet, I'm glad it was useful! =)
its refreshing to see a youtuber talking and focusing on canada stocks rather than US. thanks for the great vid. im long some banks and ENB and BCE.
Thanks man! That's why I started this channel! There are TONS of great financial resources out there but almost all of them are targeted towards Americans. We need more Canadian content as well! =)
@@CanadianTShirt yes definitely we do need more content on canada. do you plan to do a video on value investing or DCF model investing to teach people how to value stocks? also I use questrade too and love it, however when selling etf they still charge me so its not completely free on etf but overall much better than competition.
I agree. Quick question, what happen to yield when the stock price goes up? Will the yield rate applies to the new market price or applies to the price when you bought the stocks? Thanks
@@rowanbean3757 yield rate applies at the time you buy the stock. if you add to your position after that then yield becomes an average of your last buy and your new buy.
@@rowanbean3757 The dividend yield is always based on the current market price so the dividend yield fluctuates every minute. Don't worry about the dividend yield, the dividend per share (a dollar amount) is what you really care about. That is how much money you will receive in cash for every share that you own, and this does NOT depend on the price of the share. This value is usually fixed for at least a year, until the company decides to increase or decrease it
Wow thanks. Just catching up on the videos I've missed
That's what I love to see! Thanks for going back and checking out my older videos =)
Love the video! I’m seeing it late and the markets have rebound. But I’m starting my portfolio in a day or two and didn’t think about Canada’s big banks... these are perfect for my long term dividend growth portfolio.
It's definitely not too late to take advantage of these discounts! A lot of the Canadian market has rebounded but they still are below their pre-crash highs of March =)
great content, i am preparing my portfolio thanks to your videos
I'm so happy to hear that! Remember, don't just copy my portfolio! Learn from my videos and then do your own research and make your own decisions =)
Stumbled across your channel, subscribed. Very fast, to the point and clear. Great picks, I prefer BNS in banking, Algonquin instead of FTS, Telus is a rockstar, Allied is new for me - looks good. Good job.
I own all of these in my portfolio! They are essential holdings and I believe will do well long term! Have Telus dripping after the split and will love to watch them all grow!
Glad to hear that! Ya I was very happy when Telus decided to split as well, it makes it MUCH easier to get a DRIP with a lower share price =)
Right!! That 2 for 1 split came in handy!
I own all except for Allied. I’ve been buying mainly US stocks in my RRSP the last few years, and mostly Canadians stocks in my TFSA. I had a few reits on my watchlist but never pulled the trigger on a buy yet.
Check out my video on Investing with your TFSA:
th-cam.com/video/i_bWf1NyUbE/w-d-xo.html
That's the same strategy I use: US stocks in RRSP and Canadian dividends in TFSA but you should also place extra priority on Canadian REITs in your TFSA. The reason for this is that in a non-registered account, REITs are taxed much higher than regular Canadian dividends. REITs will almost be taxed as much as regular income (the highest possible tax rate) so REITs benefit the MOST inside a TFSA. I'll be making a whole video on REITs soon so stay tuned for that =)
@@CanadianTShirt Hmmm... I have a bunch of U.S stocks in my TFSA - my RRSP is where my index funds are... is this going to hurt me long term or can i slowly transition? I just bought everything last week
just earned yourself a new subscriber, great content
Thanks Rushi! I'm glad it was helpful! =)
This guy is the goat. So glad I found your page!
Thanks buddy! I'm still pretty new to TH-cam, I'm not quite sure I've reached goat status yet but I appreciate the support!!! 🙏
Man, I love your enthusiasm, and the details you provide regarding all the stocks! Keep going. Totally all great picks, especially the banks. I have positions in both TD and BMO for the long term. At current prices they are great buys in my opinion. :))
Thanks buddy! I appreciate that! =)
I'm going to buy my first stocks tomorrow...a bit hesitant as my friend started buying stocks for the first time recently and lost thousands of dollars haha...but your videos are giving me confidence :)
The first step is always scary... but remember, the most important thing is to not give into your emotions and fear and panic. If you believe in the company's future, then ignore the short term fluctuations. Hold onto the stock for the long term. And remember you do NOT have to jump in with all of your money at once! Maybe just start with $1000 or so and then next week put some more money in. It is much safer and less stressful to spread out your investment over a period of time. Happy investing! =)
AMAZING video. Clear, concise and highly informative for new investors. I’m astounded. Great job!
Thank you Josh! I'm glad the video was helpful and I appreciate those kind words! 🙏
Adrian I just discovered your account and I’m really pleased with your content!
Thank you! I really appreciate that and welcome to my channel! 😁
can you please do an updated video on what are some good dividend stocks to buy right now while they're at a good discount?
You got it buddy! But all of the stocks in this video are still great options and I'm continuing to invest in them all, and some of them are still trading at discounts as well =)
@@CanadianTShirt thank you!
I am very wandering, Because of your nice video. Lots of thanks. Have a nice day.
Thanks Wali! I'm glad you found this video helpful! =)
Very informative and well worth the time . Keep up the great work
Thanks Pardeep! I'm glad it was useful! =)
Loving the content. Learning so much. More videos please.
That's what I want to hear! Thanks buddy! 🙏
Hey Adrian just bought 500$ of TD Banks and 500$ of RIO CAN. My very first individual stock purchases!! Now I'm keeping an eye on Telus and Fortis next.
Way to go Stephane!!! 🔥
@@CanadianTShirt I've been thinking a lot about diversification and seeing as I'm so early in my investment years how much emphasis should I put in country diversification as my risk tolerance isn't very low? However is their a a risk in having only stocks in Canada and US? I don't believe their would be such a disruption in which that would be the case but should I even bother with international stocks If I hold diversified dividend ETF's in Canada and US as well as solid dividend companies in both? Because I don't know how you can be more diversified than that and I don't want to deal with the foreign tax and such on international positions.
I think SRU.TO is probably better long term (also better dividend) then RIO CAN. Thoughts @Canadian in a T-Shirt?
@@CanadianTShirt I think SRU.TO is probably better long term (also better dividend) then RIO CAN. Thoughts?
@@sousavann Yeah, I'm thinking of getting RioCan as well. I don't want a REIT ETF just 2 good companies with high dividend. I look not just at dividend though but also stock price (as SRU is doing actually better long-term its looking) over RIOCAN and at the top end was higher share price (which means shares can double in price as well as just dividends). I may get both!
I'm glad I'm watching your videos. I was about to do some trading on a few apps that trade bitcoin. I think I'm gonna pass on that and look into a TFSA instead. You might have saved me from blowing a few thousand dollars today.👍
I personally don't invest in crypto currency but it's your money, feel free to play around with it but please do NOT invest in serious money that you will be counting on. The bulk of your investments should be in well established and secure companies and ETFs, especially in tax-sheltered accounts like the TFSA =)
Really good videos ill be watching them all and subscribed keep up the good helpful videos
Thanks Tyler! I'm glad to hear that my videos are helpful! =)
Outstanding content so far; I maintain 3 subscriptions and you are now one of them. Keep up the excellent work.
Thank you Dan! I am really honoured to be a part of such an exclusive group =)
Awesome content! Keep them coming!
Agree. I love his channel
Thanks guys! More good stuff, coming right up! 😁
Love the video! I would love if I could slow it down or have you talk slower haha trying to learn / take notes on things I find myself constantly pausing and starting the video. Thanks for the information :)
I hear what you're saying and I know that I talk fast but I want to pack as much info as I can and if I slow down... these videos will be over 30 minutes long... That's why I manually write out English subtitles for all of my videos and with the text that I overlay on the screen, I hope that helps you understand when I talk quickly. Another thing you can try is to slow down the video.
On the bottom right of the video, click the Settings Gear icon, Playback Speed and slow it down to 0.75. I hope that helps! =)
@@CanadianTShirt Makes complete sense! Thanks for the tips on slowing them down :)
Hello Adrian and all you investors .
Adrian i like your videos ,very informative and knowledgeably.
Many things i learnt that the banks font tell us.
Between Fortis and Algonquin Power & Utilities Corp. which one would you choose? They both are similar in dividends and holdings. But the price gap is huge (Fortis $49 and AQN $19) Both are Canadian div Aristocrats.
They are all great pics with a solid track record. I personally don't own Algonquin stock directly but I am indirectly invested in them through ETFs =)
You mentioned working in an Allied Properties owned location. Have your feelings changed regarding it's outlook? I'm curious about your personal observations regarding the direction of work from home. I am convinced that Allied will be a survivor of the current office space dip, but I'd certainly appreciate first hand knowledge. I put 100% of my portfolio into Allied this year at an average price of $18.55, and buying as much as I can along the way.
Another GREAT video Adrian! You are a GEM! Given us the facts and just what we need to make better decisions.
Thank you! I'm happy to help! 😁
I own RBC & TD. They are great companies, great dividend yield and growth potential.
You can't go wrong with the Big 5 Canadian banks! =)
THE BIG 2 OF THE BIG 5!
Should I get RBC & TD? OR should I do TD / BMO? Or RBC/BMO/TD? I don't want to get so many banks as it becomes costly. What do you feel are the best 2 to stick with long term? RBC is pretty costly atm ($85+)
@@mjregan88 dont look at prices. Look at the a company as a whole then make your decision.
Thank you very much! Great video! A lot to learn!! Q: What I should if I need to move my funds from Financial planning accounts to direct investing accounts? Thanks!
Hey Carlos! I have a whole video tutorial on How to Transfer Funds and Investments from another institution into a Direct Investing Account like Questrade:
th-cam.com/video/Bf1zufNlQSk/w-d-xo.html
Note that if you are holding mutual funds in your bank, you might not be able to hold those in Questrade so you might have to sell those mutual funds and then do a cash transfer =)
@@CanadianTShirt Thank you very much for taking the time!! Does the mutual funds transfer will affect my room on TFSA/RRSP accounts for this year?
Quick question: How did you come up with 28% payout ratio for Allied? D/NI? AP.UN's payout ratios are between 70% (NFFO) to 84% (AFFO). If you are using D/NI, other REITs are much more attractive than AP.UN.
And here are also my thoughts:
- REITs: If you are investing in REITs, instead of investing in only one REIT, you may as well get VRE for a basket of REITs to diversify the portfolio with higher distribution rate.
- Financials: Considering where the economy is heading, we should consider the potential increasing default rate in 2020 & 2021. It may seem attractive right now, but it may be better to wait until after Q2 release to see banks' bad debt reserves.
- Util/Comm: These categories are probably more stable at the moment, but util is a better bet because part of telecom's revenue is from subscriptions and live events (vs necessity's guarantee). With everything shuttered, their revenues are impacted.
I love ur videos and I share it with my friends. Can u possibly make a video on dividend capturing strategy. I am trying to learn more about it. I heard u saying that certain dates, depending on a stock if sold earlier we still get a dividend. Even though we don’t own it at the time of dividend paid out.
Thank you Atif for spreading the word to your friends! Make sure you check out my Dividends Explained video where I go over the important dates like the Ex-Dividend date and the Dividend Payment date, I hope this video helps! =)
th-cam.com/video/6xzfgObXxvU/w-d-xo.html
Thanks so much for your videos, super helpful for Canadians!
I'm glad to hear my videos are helpful! 😁
Yes it’s nice that we have Canadians taking about our market.
could you do a video on the best index funds,index e t fs and dividend growth etfs?Thx
I have a video on the best dividend ETFs:
th-cam.com/video/hXrN5EVCp8Y/w-d-xo.html
but I'll also be making a video on my favourite growth ETFs =)
No lie, this was a fantastic vid. One video and you earned yourself a new subscriber. I'm new to the investing game, and an American, so, a little curious as to what issues would arise if I bought a Canadian stock, but you got me interested.
Besides conversion rates, do you have an idea what I could expect causing some issues or raising some problems?
Best,
-Cody
Always a great work bro! Thank you for this
Thanks buddy! I really appreciate it! 😁
If you buy these Canadian stocks on the NYSE, your dividend payouts will be in US dollars as well, and despite the conversion fees to purchase them initially, its likely that the USD-CAD movement in the future will actually benefit your profits.
I don't like gambling with foreign exchange rates, they can be incredibly volatile. Sure you "can" earn some extra money if the rate moves in your favour but you are guaranteed to pay around 2.5% in currency conversion fees. I would rather keep my Canadian investments in CAD and US investments in USD
Thanks for the video really enjoyed your perspective i have been watching for some time...keep up the good work looking forward to more stock advice
I'm happy to hear that, thanks for watching! =)
You are doing a great service for the Canadian public! What do you think will happen when the CERB runs out?
Thank you Paul.... that's a difficult question to answer but it will definitely be a struggle. It's too early to say but it's something we all have to keep our eye on moving forward
th-cam.com/video/U5iIXvXtimY/w-d-xo.html
Watch Gregory Mannariono. Stocks will go higher no matter what as long as the FED continues to promise unlimited dollars to wall St.
They’re should be a correction ounce the federal government /fed stops injecting cash into the market
Hi! Thanks a lot for your videos I`m wathing every single video, and I give a like to every single video, Quick question if i bought some US shares and i have them in a TFSA account, and i decide to sell them do i need to pay tax for the profit of them or just tax for the dividens?, Thank u!
Hi, great videos. I try not to miss any of your videos. Just wondering whats your take on inverse etfs? And where do you see the market 6 months to 1 year down the line?
Great Canadian content! Keep up the great work
Thank you James! I appreciate that! =)
Added in the will buy some BMO, good price to buy
Good call buddy! =)
@@CanadianTShirt You mentioned they are at 37$ but i can see they never reached to that value, its 60+ now
Looking to invest some in telus on my next pay! Bell and Roger's heavily relied on cable tv and with the current situation, more people will be cancelling cables and besides, TH-cam and netflix are there:)
@@sousavann they've had the share split of 2 for 1. So their dividend also got split to 0.29
Great video, I really like your clear explanation of each stock. Best intro to new dividend stock investor. You have gained a new like, subscribe and notification. I will be recommending to family & friends.
Thank you! I really appreciate your referral to your family and friends, that means a lot to me 🙏
Thanks never knew about Telus just bought one !
That's what I love to hear! Way to go Ciara! =)
Hi! Now that a few months have passed, do you still think Allied is a good investment with so many people now working from home? I think that more companies will continue to allow employees to work from home moving forward, now that they realize it's possible, and will save them tons of money by not paying for office space.
Hello again, it's me, one of your newest subscribers....I have a very "humorous side to me" so at 11:41ish, you say that Telecom's are always in demand and Never go away? NORTEL ? remember....and Telus vs. Shaw can you do a compare and maybe it is your #5 current $$ T @ 24.43 and S @ 25.27 dividend is lower for Shaw though... Thanks again!
Very informative, thanks
That's what I love to hear! I'm glad it was helpful! =)
Long term wise, do you prefer BCE or Telus? Im still unsure because it looks like telus is bigger company but bell dividend is much better..
I have owned both for years, and would recommend the same
New subscriber; going to watch everything on your channel now 😂😇
Thanks buddy! I really appreciate that and I hope you enjoy! 🙏
Hey Adrian! New subscriber here - fellow Canadian (you are VERY right, there is not a lot of Canadian-focused investing content!) I've recently dived into self-directed investing and of all the dividend stocks, I picked up BNS! It looks as though the stock price is still depressed (the other banks have made near recoveries to their Jan prices) - thoughts on why BNS is trailing the other banks? Thanks!
i bought 15 more of VRE. total 30. thats around 2.18$ a month with around 400$ invested. as for energy i went with enbridge but ill look into fortis too.
Way to go Liv! That's what I want to hear! =)
Another amazing video . Keep it up
Thank you buddy! =)
This is the kinda informative straight forward content that I value. Subbed.
Thanks Mob! I appreciate it! =)
Great video Adrian! I’m just starting to educate myself on investing and this was my first video I clicked on and I’m so glad I did, subscribed in 30 seconds haha.
I’m super interested in the BMO stock, now I need to figure out how to create an account somehow! Can I do that directly with my bmo bank or does it have to be a broker?
On behalf of every viewer here, thank you for sharing your wise words!
Hey Chris! Thanks buddy for those kind words, I really appreciate it and welcome to my channel!
Check out my video tutorial for a step by step guide on how to buy stocks using Questrade which is my favourite online broker:
th-cam.com/video/_V2yBWwOZX4/w-d-xo.html
You can also use BMO as your online broker but they are quite expensive... they charge you twice as much as Questrade does when you buy stocks and on top of that, Questrade allows you to buy ETFs for ZERO commission whereas BMO still charges the regular $10 per trade. Happy investing! =)
Canadian in a T-Shirt you champion, watching now, I’ll make sure to use your referral too!
Hello, always enjoying your contents, great contents.
Just one question please.
How do you know the dividend pay per share? Can u calculate it or a company sets the pay per share annually and it's fixed?
Please tell me how to calculate it if its done that way 🙏
with tech companies considering letting their employees work from home even after the pandemic, do you still think REITs in the tech sector is a good stock choice?
Great content and for a Canadian market - double bonus!
Thank you Katie! I'm happy to hear that my video was helpful! 🇨🇦
Simple and understandable 👌
Thank you Giuseppe! I'm happy to hear that my video was accessible! =)
What do you think about Northland Power?
The results look better than Fortis.
Thanks for the videos mate. I’d be interested in a video where you show a diverse portfolio. Right now, I buy dividend stocks and etfs along with a TFSA with Wealthsimple. I’d love to know what index funds and bonds I could be adding to create the perfect balance of diversity I should have and not just solely rely on dividend shares. Thanks
You got it! I will be making videos on my favourite growth (capital appreciation) stocks and ETFs to invest in as well. I'll also be making videos where I do a tour of my portfolio and I will explain how I ensured that it is well diversified. Stay tuned for those! =)
Canadian in a T-Shirt cheers mate. Keep up the good work!
If you buy a
stock like Coca Cola with dividend do u have to pay tax
@@vrutikpatel3194 Since it is a US dividend, you will pay a 15% withholding tax even in a TFSA. That's why you should hold US dividends in an RRSP, check out my RRSP investing video for more details:
th-cam.com/video/gcYlQl6hF6w/w-d-xo.html
Ayeee Kitchener/Waterloo represent ✌️🇨🇦
Yeah buddy!!! If you ever see me strolling on King Street, give a shoutout! =)
Great seeing someone focusing on Canadian stocks. Looking forward to investing outside of the United States and into Canada!
We have some of the best investments in the world in Canada! It's so important to diversify, not just across industries but also across countries and markets! =)
Hi Adrian, do you recommend investing in US stocks and US ETFs during these times as a beginner?
Entirely agree with you, TD is my #1 and BMO is my #2
You really can't go wrong with the Canadian banks =)
Hey Adrian, are you still bullish on Allied Properties considering more people are now working from home. Is the current payout ratio an issue?? Thanks for responding to my questions! Enjoy the weekend.
Quite optimistic. Could be at a 30% discount like you say or could be paying a premium now relative to what they'll be worth in six months.
It could be but I don't really care what they are worth 6 months from now, I care what they are worth 10 years from now. If the price goes down even further in 6 months, then I will invest even more into them because I am confident that in 5, 10, 20 years these companies will continue to grow and pay dividends every step along the way
@@CanadianTShirt Sure - my point is looking at is as a "discount" can be dangerous. Airline stocks (especially US airlines) are at a great "discount" right now but it's because some may fold or never fully recover.
What do you think of Cenovus energy, CVE.TO?
Personally, I don't invest in energy producers. I prefer to invest in energy distributors like pipelines and electrical companies since they are far less dependent on the price per barrel which we have seen can swing dramatically in the past year! =)
@@CanadianTShirt the price was so low I had to get them. Bought 100 at $8. But they pay a really low divident so not sure what to do...
FYI..you can drip BMO, Fortis, Telus....with only 1 stock. Purchase one of these stocks and have the broker issue a certificate for your stock. You can then sign up for DRIP via the transfer agent. For the 3 stocks mention the transfer agent is Computershare. No need 4200$ to qualify..not sure how you get this figure.
Hey Adrian, just have one question. How do you find out if a stock pays out its dividend every month or quarterly?
Hey Bobby! I show you exactly how to look this up in my HOW TO ANALYZE STOCKS video here =)
th-cam.com/video/W-1CBEj8VP8/w-d-xo.html
But you can always look up a stock on Yahoo Finance and go see the dividend history. Then you'll see if the dividends are paid every month or every 3 months =)
Hey Adrian, what are your thoughts on picking up some shares of Allied? Currently it's almost trading for the same price it was when the crash happened back in March.
How many of us can afford the bank stocks you are referring to, TD $85.23, BMO $116.24, CB $129.47, RB $119.04. One would need a good number of shares to make good money on the dividend date.
All it takes is one stock to become an owner in the company and receive those dividends! You gotta start somewhere! =)
@@CanadianTShirt I have shares in NWH.UN, EIT, FC, HHL, INO, APR, DIR, CRT, TF & a few more, all have paid dividends throughout the pandemic & the maximum price is around $16.00 per share. Pays monthly anywhere from .6¢ to .8¢ per share.
Thank you for all the info. Do you think Air Canada is a buy or just a value trap?
Is it better to diversify your drip or have one big drip over the long run? .. thanks .
It is always better to diversify your investment rather than put all of your eggs in one basket just to reach that DRIP value faster! I get the temptation, you want to reach that DRIP as soon as possible but what happens if that stock suspends their dividend? Then you are left with no passive income! It's much safer, especially for beginners to spread out their investment over multiple stocks. Sure it will take longer to reach DRIPs with all of them but it's not a race, you don't have to reach a DRIP all at once. You can do it step by step over the course of months =)
What's your opinion of buying air Canada?
Great video. Way to go! Quick question! How often do companies adjust their dividend %?
The dividend amount is usually constant for a year. Usually at the end of the year, they will decide whether they will increase or decrease the dividend. But the yield depends on the price of the stock so the dividend yield (annual dividend / share price) fluctuates every minute. I hope that helps =)
Canadian in a T-Shirt you’re the best! I’m waiting for TFSA and RRSP investment strategies and RRSP Part3 videos!!! Keep up the good work =)
how did BMO pay out dividends during WWI and WWII? there were no electronic banking stuff.
BTW, Allied is not doing too well during COVID. most of the offices closed
That was the old school method of banking and investing when investors would hold stock certificates and then the companies would send them a cheque! It's amazing to see how far we have come! Also regarding Allied, remember don't focus too much on the short term performance. Yes Allied is DEFINITELY hurting which is why they are trading at such a discount but these properties will still be in a huge demand once offices reopen. It's always important to keep a long term mindset and with that mindset, you can take advantage of opportunities like this =)
my concern about Telus is that they have a high payout ratio. Would this be a problem for long term investment?
They currently have a payout ratio in the 70s which is still quite normal for a telecom company. Sure I would prefer a lower payout ratio but as long as it's below 85%, I'm comfortable. Also another thing to consider is that Telus has long term contracts with millions of companies and consumers and that is guaranteed revenue for years to come so I don't see them killing their dividend streak anytime soon
@@CanadianTShirt They are also growing with the healthcare and in general
I'm thinking about buying some RioCan. I don't doubt share prices will grow but do you think they'll return to where they were in February?
Hi. I was just wondering what are the pros and cons between Wealthsimple and Questrade.
Thanks!
Check out my most recent video breaking down all of the benefits of Questrade and I discuss WealthSimple Trade as well!
th-cam.com/video/uoOBRUY8IXQ/w-d-xo.html
I will also be making an entire video comparing these two platforms so stay tuned for that! =)
I am trying to decide if I should top up by RIO can or Allied. I just started investing so my contribution is just a couple grands on these two stocks. Allied looks more interesting right now because it's on a downward trajectory and right now I am on a minus despite buying it during this pandemic lol. Rio CAn in the other hand, when I look at it from the price history, looks more interesting in the future as I can make potentially double when we get out from this pandemic.Also my rio can is positive not negative at the moment. Please advice.
I don't know if this has been asked before but I'm wondering what your thoughts are with regard to Allied, given that the whole workspace environment is changing long term, lots of companies are looking at working from home options and whether they need expensive office space anymore. Thanks
Subscribed and liked . Thanks.
Thank you! I hope the video was helpful! =)
Great information...keep it up!!!
Thank you! You got it! =)
what do you think of methanex stock and suncore stock should we by them now
Hey Adrian, is there a difference between buying bank stocks on american markets vs toronto? (Aside from currency conversion).... difference between TD.TO vs TD
Not really... but they are considered different stocks. You cannot combine your Canadian and US versions of these stocks. Also, since they trade on different exchanges, sometimes they might not be at the exact same price (adjusted for currency exchange rate) and they might also trade at different volumes. But overall, there really isn't a difference between them
Liked before watching your video, lol
I see my reputation precedes me 😎
Thank you and I hope you enjoy! 😁
I always do that. He is awesome!
@@MarliesTrim Awww thanks guys! 🙂
same here!
Hi Oksana
Hello, I have a question. I just opened a TSFA and I'm not 100% sure what stocks to buy yet as I am researching. You say never to keep cash there. Would you say it is ok to keep the money there until I decide?
Oh of course! What I meant to say is don't keep thousands of dollars sitting in cash for months or years. That cash is doing NOTHING for you, in fact it's losing 2% of its value every year due to inflation. But absolutely, if you're still researching where to put that money, it's totally fine to leave the cash there for a few weeks. It doesn't cost you anything =)
Hi Adrian, I'm thinking about getting a line of credit since the interest rate is low and use it to buy dividend stocks.... What do you think about this strategy?
I did just that already. $51 in interest to make $82 a month in dividends. There is no way I could do the opposite and say put $51 a month into a TSFA and then have to pay a transaction fee. This way there is no fees other than initial purchase. I picked TQCD ETF from TD.
What is the future of the Telus stock with the Telus international IPO going live shortly
It will be interesting to see! IPOs are notoriously difficult to predict since it's just clouded in hype and speculation. That's why I always avoid IPOs =)
I know you've touched on Riocan before, but would you recommend it over the likes of Smartcentres or H&R? My H&R position along with Brookfield properties are performing poorly and was wondering if SRU or REI would be better options for a long term hold