Top 2 FAVOURITE CANADIAN DIVIDEND STOCKS of ALL TIME // TFSA Investing // My Largest Holdings

[@seanclavette7271]

Thank you Adrian. Please never stop making these videos. I think a lot of us greatly appreciate them.

[@CanadianTShirt]

You got it Sean! I don't plan on stopping any time soon! =)

[@Syn_Slater]

It's always a pleasure when one of your new videos pop up 👍

[@CanadianTShirt]

Thank you so much! That's so kind to hear! It's always a pleasure to read sweet comments like that! 😊

[@Jake51500]

just bought $1000 in RioCan....to go with TD and many of the other ETFs you recommended...it is so easy to get overwhelmed by all the investing info out there....but I have this vibe from your videos to trust in your advice...thanks

[@haydenres3484]

Added Manulife and TD to my portfolio during the recent dip, thanks for the heads up months prior!

[@CanadianTShirt]

That's what I LOVE to see! I'm happy to help! 😁

[@dpalmer7323]

Clear, concise, and Canadian. Thanks for this. Subscribed!

[@CanadianTShirt]

That's what I try to do! The 3 C's!!! 🇨🇦

[@natalie7828]

Hi Adrian, thanks for another great video. I do own both TD and RIOCAN and they have been good to me...Sometimes I just watch these videos to re-assure myself that I should not sell anything in this down turn even though it freaks me out a bit to see the -P&L. Thank you for keeping me sane!

[@CanadianTShirt]

My pleasure Natalie! I'm glad that my videos help preserve your sanity! I know what you mean, it can be scary when you start to see red losses but remember, when we are buying stocks, we are owning parts of the company. So have faith in the future of the company! I don't really care what happens to TD stock tomorrow because I know for a fact that the company TD will continue to grow and be around and enormously successful 30 years from now =)

[@Shay416]

TD was my first bank account and second stock purchase. I’ve made enough in dividends to pay for another stock. It’s lowkey awesome. Wish I started earlier. It’s great to know I’m on the right path.

[@CanadianTShirt]

@@Shay416 that's amazing!!! I know I'm a total geek about investing but in all honesty, one of my favourite days of the month are when my dividends come through and it's enough for a DRIP. It's the feeling of making money in your sleep and it's snowballing! 😁

[@3vecesminombre]

This! This is a great video for everyone who wants to learn and start investing. Thanks again for this valuable content and answering questions from all of us. This just shows your passion for sharing. Keep it up, Adrian!

[@CanadianTShirt]

Thank you for those kind words! I'm glad that you are finding value in my videos and yes, I LOVE replying to your questions and comments! =)

[@adamowen6226]

Thank you Adrian. It’s my first time checking your videos

[@stormtrop4]

Great video! I invest a bit in both stocks but never really looked into their details; just knew they are big companies that are essential. Thanks for explaining just how rewarding and safe those stocks can be. I'll prioritize them to get some DRIPs and take advantage of the low price! Thanks!

[@CanadianTShirt]

You got it buddy! These are stocks that I always buy into, rain or shine but when the market takes a downturn, I jump in and take advantage of these 20% discounts! 😎

[@LEX-rh8jr]

I think every Canadian a must to watch your videos. 👏 Thanks a lot! 👍 🇨🇦

[@CanadianTShirt]

Thank you so much for those kind words and that's my goal one day! 🇨🇦

[@BasicBodThor]

Bought Enbridge about 1.5 years ago in my RRSP based on your videos. Still going strong with a DRIP, and will buy more when I move my TFSA into Questrade :)

[@CanadianTShirt]

Love it! ENB is such a beast when it comes to their dividends and DRIPs! And make sure you follow the steps in my video on HOW to TRANSFER your TFSA into Questrade! =) kzbin.info/www/bejne/eJeUq6icg9GEic0

[@arigutman]

Not invested in any Canadian positions, but certainly can appreciate the dividends they pay and here to support a fellow DGI investor!

[@CanadianTShirt]

Thanks Ari! May I ask where you live? I would certainly consider adding some Canadian positions, we have some of the best dividend growth options out there =)

[@liaoflaz9858]

Today I purchased my first set of shares - thank you for your help!!

[@CanadianTShirt]

That's what I LOVE to hear! You're going to get HOOKED! Especially when you receive your very first dividend. Keep it up! 😁

[@acdatz6222]

Have you ever looked at RS? It holds all the best REITs and pays a nice 9.5% yield.

[@Dr.Dumpnpump]

My top sleeper picks are CWB, GWO and NTR. Good luck!

[@InspirMediaAnimation]

Awesome video Adrian. Sticking to the basics of high div players during these unsettling times is a great strategy. Thanks always!

[@CanadianTShirt]

You got it Ronald! I love dividends but ESPECIALLY during a market downturn since your money is always working for you and you're never wasting time hoping for it to recover. I cover this is greater detail in my WHY DIVIDENDS DURING A CRASH video here =) kzbin.info/www/bejne/qpekdYyHqs9prLs

[@missygilly9917]

Great to see you again, Adrian! Instead of being scared in this market drop, I’m learning to continue to invest while the stock prices are lower. I did invest in Manulife & Smart Centre in recent months. It’s kind of shocking to see how low TD , and RBC prices have reduced.. but makes it easier to buy more shares.

[@CanadianTShirt]

You got it Missy! I have made several videos on what to do during a Market Crash (check the playlist below) 👇 But you're right! The vast majority of people are overly emotional, meaning that they give into fear and they panic when the price drops but the important thing to keep in mind is that NOTHING HAS CHANGED with the company itself! It's still the same company making a profit, so the drop in the share price is just an opportunity to buy MORE shares at a discount! Check out my other videos on what to do during a Market Crash =) kzbin.info/aero/PLj8bU3AuW2qH5PDXX5vLxsF5zPE0sOCji

[@missygilly9917]

Thanks for your link to other videos! I’ve watched all but 3 of them…lol. Better set to watching the rest. Thank you for all you do! It’s appreciated.

[@CanadianTShirt]

@@missygilly9917 it's my pleasure! 😁

[@electric-lemonade]

Your videos have taught me so much. Super grateful for all your content for us Canadian investors.

[@willkeen5010]

Great info as always Adrian. Thanks to you in a previous video on Reits, I was able to purchase my first REIT and put it in my RRSP and shelter it’s dividend vs my margin account.

[@CanadianTShirt]

Perfect! That's what I LOVE to hear! Which REIT did you end up going with? 🙂

[@willkeen5010]

@@CanadianTShirt Actually The Canadian Tire reit CRT-UN. Big fan of Canadian tire itself so why not invest in their reit I say.

[@CanadianTShirt]

@@willkeen5010 wonderful selection! It's also one of my favourites! 😁

[@traviscrawford9904]

Thanks Adrian! Love your energy and thanks for breaking these two dividend stocks down.

[@CanadianTShirt]

It's my pleasure Travis! And thank you for supporting my channel! I'm sure if you've been going through my members-only videos, you won't be surprised to see my favourite stocks here =)

[@osher7788]

Thank you Adrian, just bought REI stock based on your advice

[@CanadianTShirt]

I'm happy to help! Enjoy those monthly dividends! 😁

[@luchoCuevas]

very well explained!! will follow you closely for now!!

[@mattward59]

Thanks Adrian, I was looking forward to your next video. I will be grabbing some shares of TD soon to complete my trio of Banks with Royal and National bank. With the current volatility ill also be investing further in my utilities stocks FTS, ENB and AQN. You need to get in on ATD. Great stock. Cheers man.

[@CanadianTShirt]

ATD has actually been on my eye for the past year or so! I have some indirect exposure through ETFs but I don't own any direct stocks yet! But your other holdings sound great to me! Keep it up! 😁

[@carollackhansingh2732]

9:21 AM Thank you Adrian for such informative Videos! I would take it from here! You are a genius🎉

[@CanadianTShirt]

That's what I LOVE to hear Carol! Great way to start the day! 😁

[@ryanvanderheyden3324]

Great video again Do a video on canoe income fund Your opinion on etfs hfin hlyd hdiv

[@Adrian.William]

Another great video! Adrian doesn't miss!!

[@CanadianTShirt]

hahaha thanks buddy! Adrian's gotta stick together 😉

[@Andrew21882]

Hi Adrian I agree that TD is a great stock, but REI-UN historically has a poor capital appreciation, personally I prefer GRT-UN. At the end of the day a total return is all that matters. Thanks for the video.

[@thinkandretire]

Good job in putting together such a nice and useful video for Canadian Dividend Investing. Easy to follow! All the best!

[@fadumamohamoud67]

Thank you Adrian.

[@CanadianTShirt]

You're welcome! I'm glad you found it helpful! =)

[@pwee507]

I am loving this downturn

[@CanadianTShirt]

Absolutely! I look at these downturns like a store having a major clearance sale. So I go running in when most people are running out 😁

[@allxiee]

Love this! Could you do a video on the best banks for small businesses?

[@CanadianTShirt]

You mean for a business bank account? Personally I use BMO since they offer a great account for online-only transactions (I don't ever deal with physical cash since I'm an online business) But each of the big 5 banks will offer business accounts, it really depends on the nature of your business what suits you best =)

[@nevillejames2200]

Thanks Adrian. Love the tips. Looking forward to your next video. Can you do cdn and US stock picks soon?

[@CanadianTShirt]

Sure thing buddy! I haven't made a US stocks video in a while. You can check out my Members-Only videos, roughly half of them are about the US stocks that I'm investing in =)

[@supbro3262]

Great vid as always! You’ve mentioned in other videos that you also invest in growth stocks, do you have any videos coming up where you give some growth stock recommendations? I feel those would be some good videos that would be interesting to see

[@jayzee316]

what do you think of telus, pza and enbridge, friends have been recommending them to me recently.

[@CanadianTShirt]

I'm guessing your friends are fans of my channel! 😉 I invest in ALL of those stocks and I've talked about them many times in my past videos and I have DRIPs setup with all of them =)

[@jayzee316]

@@CanadianTShirt Thanks I'll look for them. Great minds think alike!

[@canpin]

As usual, awesome video👍👍

[@CanadianTShirt]

Thank you so much for the kind word Peter, as usual! 🙏

[@puneetrastogi1984]

I like your content mate, but if you search "when was Td bank founded' you would notice that it was founded in Feb of 1955... so after WW1 and WW2. I think that story @ time 2:50 was for RY and not TD ....anyways I own both RY and TD and your vids are cool.

[@TheMl145]

Was in New York City a few weeks ago and was surprised how popular TD was there.

[@CanadianTShirt]

Exactly! It's almost hard to believe that TD will now be the sixth largest bank in the US. And the second largest bank in Canada! =)

[@lykasantos7816]

I love TD. Thanks for another great video Adrian.

[@CanadianTShirt]

Thanks Lyka for those kind words as always! Happy Sunday! 😁

[@Miguel._.Angel.]

What do you think about invest in a first Canadian Crypto ETF ? Can you make a video explain all that ? Thank you and I really appreciate all your videos Keep going, you are doing a great job Congratulations !!!

[@valueStocks]

Great video. One of my favorites is True North REIT.

[@CanadianTShirt]

I don't own True North directly but I have some exposure through various REIT ETFs. I will look into it! =)

[@valueStocks]

@@CanadianTShirt Bit leveraged but I love their tannate base.

[@CanadianTShirt]

@@valueStocks fair enough. Most REITs are quite leveraged but as you said, as long as they have quality tenants and low occupancy, they are still profitable and well positioned to recover once rates return to normal =)

[@valueStocks]

@@CanadianTShirt Very true. Check em out.

[@IanAgard]

Great video. Thank you!

[@CanadianTShirt]

Thank you! I'm glad you found it helpful and hopefully you can jump in on these great dividends at these discounted prices! =)

[@dwarleyguerrero9770]

Great investment video. Thanks!

[@CanadianTShirt]

My pleasure Dwarley! I'm glad you found it helpful! =)

[@hun4201]

Hey Adrian! Can you suggest any S&P 500 stock to buy from Canada? May be you can make a video to guide us. 😊

[@RetaxChennai]

Great informational video!

[@CanadianTShirt]

Thank you Karthik! I'm glad you found it helpful! =)

[@blackgrandpa7652]

Great video keep them coming

[@CanadianTShirt]

That's the plan! Thanks for going through a lot of my videos! I'm always happy to see the same friendly face on multiple videos =)

[@Po101080]

Awesome, greatly appreciate the time you put into these explanations! May I ask for a clarification on the point you made about the tax treatment for TD and ENB in the margin account? Assuming we are just talking about Canadians purchasing canadian companies, I thought ideally you'd want all dividend paying stocks to be in your TFSA/RRSP since interest income will simply be taxed whereas in TFSA/RRSP they will not be? I know I must have missed something, but may I ask what is the actual benefit of holding TD and ENB in the margin account? Thank you!

[@CanadianTShirt]

Oh no you are totally correct, you absolutely SHOULD invest in your TFSA and RRSP while you still have room! There's no benefit to paying taxes on your investments while you have tax sheltered room waiting for you! But in my position, I am basically maxed out of my TFSA and RRSP (I maxed them out last year for the first time and now am close to maxing them out again for the year) So now that my TFSA is close to maxed out, I have to be extra strategic and prioritize REITs in my TFSA with my limited available room. Once I'm maxed out, I can put Canadian dividends in my Margin account and I won't be taxed too heavily on it but REITs don't get this benefit so try very hard to reserve my TFSA and a big chunk of my RRSP for REITs since I don't want to hold REITs in my Margin account. I talk about this in much greater detail in my MEMBERS-ONLY videos but I wanted to bring it up quickly here. Excellent question and I like where your head is at! 😁

[@Po101080]

@@CanadianTShirt Ah I see, ok thank you very much!

[@MrNdeenM]

Awesome video! Learn so much from your videos! What do you think about the CIBC stock at the moment? Thanks

[@PositivelyAngela]

Thanks so much. I’ll be getting some TD. I love how you can benefit from the fractional purchase of TD too.

[@CanadianTShirt]

You got it! I know when it comes to stocks with a large share price like TD, it can be intimidating when you do the math and you need $9K to qualify for a DRIP. But invest what you can and build your way up to it over the course of years! It took me about 6 years to reach a DRIP with TD and now I can sit back and watch it grow on autopilot 😁

[@PositivelyAngela]

@@CanadianTShirt 🌺thanks so much

[@Chap17]

Great,info thank you

[@CanadianTShirt]

It's my pleasure Deb! Happy investing! =)

[@TheCashFlowChannel]

How is the canadian economy doing in terms of growth and inflation?

[@CanadianTShirt]

We are all seeing the effects of rampant inflation however we are starting to see it slow down due to gas prices and rising interest rates. Of course it won't go back to normal overnight, it will take months to get there but with low unemployment, I think we will be okay in the end. Even though a lot of us will be going through a rough patch for the next several months...

[@TheCashFlowChannel]

@@CanadianTShirt Very interesting, thanks for the answer ✌

[@davidchen5661]

Thank you Adrian for this useful information. BTW if there is another lockdown, I will go protesting every day 😂

[@CanadianTShirt]

I doubt that will happen again but remember to always see the opportunity in every situation! =)

[@toantruong2581]

I realized that some stocks have a really good dividend yield but there is little-to-no room to grow. On contrary, some stocks having low-to-medium dividend yield can offer a very high capital gain on a yearly basis, which contribute to a much higher % P/L than high dividend-yield stocks.

[@CanadianTShirt]

Absolutely! High dividend yields are NOT everything! You want sustainable dividends, increasing dividends and long term capital appreciation! What matters is TOTAL returns =)

[@toantruong2581]

@@CanadianTShirt Hi Adrian, how do you monitor your monthly (or annually) total return with the combination of capital gains and dividend yield? I know that Questrade is only showing the P&L for capital gains but not for dividend. Furthermore, how do you keep track with dividend using DRIP or being reinvested over time? I'm thinking of making a master spreadsheet that will monitor my changes of my portfolio but not sure how're you doing. Thanks!

[@martinroberts4733]

It says click on the “Join” button below. Where? Can’t figure out how to join.

[@jefflight3329]

Great video :)

[@CanadianTShirt]

Thanks bro! Now time to sleep! 😅

[@darshangill1466]

Hi Adrian, do you also have or plan to have videos about options trading?

[@CanadianTShirt]

I personally don't invest in options and I don't recommend it for beginners. It is far more complicated and risky than buying and holding stocks and ETFs. If you don't know what you are doing, it is MUCH easier to lose money so don't blindly jump into it. Maybe in the future, I might play around with options but for now, I only want to make videos on things which I have extensive, personal experience with. I hope that helps! =)

[@jbainbridge22]

Pizza Pizza is my fave but I also have some TD too.

[@CanadianTShirt]

That dividend yield is even juicier than their cheesy pizza! I don't personally own Pizza Pizza but I will have to look into it and ensure their dividend is sustainable =)

[@jbainbridge22]

@@CanadianTShirt It's been good for me and is still up in my portfolio even with the market dip. :P

[@georgefettes8923]

Really enjoy your straightforward no nonsense investing advice. One minor addition that would help me is to have the date of the video displayed. Currency of the advice is important in investing. I know that KZbin has the posted date of all videos, but I find myself having to jump back to check these dates and I wouldn't have to if it was there on the video.

[@CanadianTShirt]

Thanks George for those kind words. As you say, KZbin posts the upload date directly underneath every video, for this video it was uploaded on Sep 18, 2022. Again, I am a long term investor and these 2 stocks have been my favourite investments for almost 10 years. The main value of this video is explaining the business practice and financial health of these companies, NOT the current share price which fluctuates every minute. So even if you are watching this video a few months later, 90% of the info is still valuable. Of course you should always research a stock to see the current conditions before you buy =)

[@lindaanderson279]

It’s finally getting through ! 🙏

[@CanadianTShirt]

That's what I LOVE to hear! Keep it up! 😁

[@presleyfryingpanChildofGod]

Hey man. This is great. It's so hard to save just the first $1000 tbh. Having to get groceries and pay bills. Everything costs it seems all of my money. Haha lol

[@CanadianTShirt]

Oh believe me I know the pain... All you can do is invest what you can. Especially now with rising costs across the board, that's harder and harder these days but remember you are investing in YOUR future. This isn't money down the drain, this is YOUR money that you will enjoy many times over in the future. And make sure you always follow my 4 steps in HOW TO BUILD WEALTH especially in times like now: kzbin.info/www/bejne/gmKTqJmPoZiSh9U Your biggest priorities should be paying off high-interest debt (credit card debt if you have it), reduce your spending and track every single expense with a budget Excel sheet, top up your emergency savings fund and only after all of that, invest what's left =)

[@allanrocha4647]

Great video Adrian! What do you think about EQB? It has growing the dividends well and has a lot of potential growth with good financials.

[@CanadianTShirt]

I also own EQB! But I own it in my Margin account since my TFSA is basically maxed out and EQB doesn't pay a very high dividend =)

[@allanrocha4647]

@@CanadianTShirt Awesome, that makes sense!

[@alexfaria9886]

Hey Adrian Thank you for all your insight can you say a bit more about the tax advantage of having RIO Can in your TFSA as opposed to Margin Account

[@evafernandez1237]

Hello Adrian! Thanks for sharing theses amazinig videos! I just moved to Canada from Spain, and everthing here is completely different! I'm Just curious, what do you think about diversify our TFSA or RRSP in others countries like India? It's doing really great. Thanks in advance!

[@CanadianTShirt]

International exposure is very important! But keep in mind that buying stocks directly from outside Canada and the US can get very expensive! A better way is to buy international ETFs in USD. I can cover this in an upcoming video =)

[@evafernandez1237]

@@CanadianTShirt that sound great! I saw ZID to invest in India and it's Canadian ETF!

[@A_Litre_of_Farva]

Awesome video!! I wonder why TD over NA?

[@CanadianTShirt]

You can't go wrong with any of the big banks! The main reason why I love TD is for their successful and aggressive expansion into the US. That's what really sets them apart =)

[@randomrandom5740]

About to move in Manitoba. All of these are helpful

[@CanadianTShirt]

That's what I love to hear! I've never been to Manitoba but I'm sure you'll enjoy it! Just be sure to stay warm, Winter is coming 😉

[@832elf]

Thanks for the nice video dude. Please make a video on which broker is better Quest trade or interactive brokers. We know you use Quest but do you also use IB

[@CanadianTShirt]

That video is certainly coming! I'll be making a whole video comparing both platforms. Interactive Brokers has certainly improved over the years so now it's a closer match! =)

[@suckerforu6263]

Thank you Adrian great video. I'll definitely be adding Rio-Can to my portfolio, I already own TD based on your previous videos.

[@CanadianTShirt]

That's what I love to hear! You definitely want to take advantage of these discounted prices =)

[@DK-us4xv]

Great videos 👏👏 new subscriber

[@CanadianTShirt]

Thank you! Welcome to the channel and I hope you find value in my other videos! =)

[@CanadianTShirt]

I definitely recommend you watching my playlists! I colour code them (eg. silver thumbnails = Taxes, green = Investing guide, light blue = Stock Picks, etc) 🙂

[@irishboy664]

Have both TD and REI and hope to one day drip them, I bought out MFC and Telus over the summer and have enough coming in to buy a share each now

[@CanadianTShirt]

That's amazing! That's one of my favourite things about MFC and Telus, with their high dividend and low share price, they are super easy to qualify for a DRIP! 😁

[@irishboy664]

@@CanadianTShirt was happy finally locking in that dollar amount, I think my first MFC payment where I can buy back a share with my dividend will happen this week too!

[@mknox242]

Wouldn't call TD a bargain, but probably a good long term hold. Banks are quite tricky to value... Can you really say you are confident in their loan book? RioCan... Think a lot of turmoil to come in all commercial real estate due to work from home. RioCan best of breed but would still be a seller here

[@ranilocarino1746]

Hi Adrian, Great to see you again!!, Thanks for another great and informational video. TD and Rio Can is for sure my next additional stocks in my Portfolio, for sure I will buy them. I have question, you mean I have to use my TFSA account to purchase RIO CAN to avoid taxes is this correct? secondly I have U.S. stocks in my RRSP Account, am I gonna get taxes for my US Stocks, is this good though. I am trying to clean my portfolio, and sell some of my stocks that is under performing, is it good timing to sell some of my stocks and re invest it? thanks man!!! is your RESP Seminar in Questrade a go?

[@CanadianTShirt]

Yes when it comes to REITs, you really should hold them in your tax-sheltered accounts like the TFSA or RRSP since those dividends (distributions) are taxed heavier. And absolutely you should hold US stocks in your RRSP, especially if they pay dividends since the RRSP is the ONLY place where US dividends are 100% tax-sheltered! =)

[@CanadianTShirt]

Ya man! The webinar will be Thursday at 4 pm Eastern time, I hope to see you there! And regarding portfolio cleanup, with the market down right now it hurts to sell stocks at a loss. I would only sell if you truly believe that the companies will not recover. Otherwise, let them recover so you don't lock in a loss =)

[@LadyLuck-iv2zd]

For real estate exposure, I’d just go with RS. Why hold just one REIT, when you can hold all of them at an almost 10% div?

[@howdyhowdyhowdyhowdyhowdy]

everything's on a fire sale right now!

[@CanadianTShirt]

Very important! Just because a stock is down, does NOT mean that it's on sale! You have to do research and ensure that the company is still fundamentally on the right track and profitable. You don't want to catch a falling knife =)

[@l.s.s.1689]

Thank you for the info.

[@CanadianTShirt]

My pleasure! I'm glad you found it helpful! =)

[@gush5465]

Awesome video as usual! What do you think of AQN and SRU ? And their payout ratio. Thanks

[@CanadianTShirt]

Thanks Gus! I don't personally own AQN directly (but I have exposure through various ETFs) but SRU is one of my favourite REITs and I am definitely buying more of it with the market down! I talked about SRU very recently in this video on the BEST DIVIDENDS TO BUY at a DISCOUNT in 2022 =) kzbin.info/www/bejne/rmK4lJttpr-WrNE

[@gush5465]

@@CanadianTShirt thank you so much for your reply I will definitely watch that video.

[@aunnieboy]

I had a large percentage of portfolio in RBC AND TD. i ended up selling them and bought etf RBNK. It didnt make sense to be so focused in 1 or 2 banks when rbnk etf has holding multiple banks And dividends are paying out monthly And cheaper to buy them around $23

[@tinamonaco9476]

You simply rock 🎉!

[@CanadianTShirt]

Right back at you Tina! 😁

[@frostynorth]

1:30 you mention that you only hold REITs in your TFSA to avoid tax, but SmartCentres is in your RRSP. Is there a particular reason why you've done it this way?

[@CanadianTShirt]

I talked about SmartCenters in my Members-Only Portfolio Reveal videos but the simple reason is that my TFSA was maxed out! Since I have already been working for over 10 years, I had considerably more RRSP room available than TFSA room and when I started buying SmartCenters, I knew that I wouldn't have the TFSA room necessary to reach a DRIP so I decided to buy it in my RRSP instead. It really doesn't matter, for Canadian REITs and dividends they are both 100% tax sheltered in either an RRSP or a TFSA

[@CanadianTShirt]

As I talk about in my RRSP Explained videos, I generally prioritize US Dividends in my RRSP since the RRSP is the only place where US dividends are 100% tax free (since US dividends are charged a 15% withholding tax in a TFSA) but I do hold some Canadian stocks and REITs as well in my RRSP including SmartCentres. If I had more TFSA room, I would have bought it in my TFSA instead to keep all my Canadian REITs together but it was just a matter of available room =)

[@jacquelinekafieh624]

I love all your videos. Do you think stock prices will go down in the new year with all the talk about recession?

[@CanadianTShirt]

I don't like making predictions about the short term (2-3 months) because NO ONE knows what will happen to the market and frankly I don't care! If the market rallies and goes up, great! I've just earned capital gains. If the market falls further, also great! I jump in and buy more quality stocks at a discount. But I am NOT planning on cashing out and spending this money. The money I put into the stock market is money that I WILL NOT touch or need for at least 5 years, ideally even longer! Investing is done in the LONG RUN and in the long run, I am historically guaranteed to earn a fantastic profit! What happens 3 months from now, I don't know and I don't stress out about it =)

[@MountainFinance]

I am a big fan of REITs.

[@CanadianTShirt]

Absolutely! They are one of the BEST sources of passive income, especially monthly! =)

[@MountainFinance]

@@CanadianTShirt I do make sure I squeeze in a REIT video from time to time for that very reason. ;-)

[@marks501]

What do you mean “locked in a rate”? Id I buy today for 4% does that mean if it changes I always get that rate?

[@torenatkinson1986]

I'd like to see the best 2 ethical dividend stocks, if there is such a thing? Royal and TD are among the worst fossil fuel investors, so I try to avoid them.

[@CanadianTShirt]

There are many ETFs which specialize in halal or sustainable or "ethical" investments however they don't generally perform as well as regular index fund ETFs. Also, since there's a lot more work behind researching which stocks are "ethical" or meet the specific criteria, these ETFs will have significantly higher management fees so keep that in mind!

[@CanadianTShirt]

Also remember that when you buy stocks of a company, you aren't "supporting" that company! You aren't giving your money to the company! You are buying those shares from someone else which is just a regular person! Sure if you are a millionaire buying thousands of shares, then yes that will inflate the stock price but for regular Canadians like you and me, we have zero influence on the stock price. Just keep that in mind =)

[@marks501]

What is the largest reit in Canada?

[@Dez2891]

Ever looked into PBH? Premium Brands. Decent dividends

[@CanadianTShirt]

It's not a stock that I hold directly but it has a large market cap so I probably have some exposure in my ETFs. I'll look into it! =)

[@dewifairclough3154]

Hi Adrian. I am in the process of transferring in my portfolio from EJ to Questrade. I have a question regarding buying dividend stocks and Drips. While at EJ they did fractional shares so it was not an issue. Questrade only re-invests whole share. My question being, is it better to keep topping up say TD to get to the DRIP threshold sooner, or better to buy TD one month then stocks in a different sector like BCE to keep the portfolio fairly balanced the next and just take a longer time to get to the DRIP threshold for all sectors? Thanks Adrian and keep the vids coming, learning a lot from you and looking forward to saving all that extra money with Questrade to invest.

[@Lando-13]

Question that doesn’t really relate to your video: US withholding tax is only applied to dividends, correct? Not capital gains? The reason I ask is I would like to buy a US stock through my TFSA just so I can avoid taxes when I withdraw the money once I’m retired - this stock does not give any dividends. Therefore I should not have to worry about the withholding tax right ?

[@CanadianTShirt]

You are correct! The 15% withholding tax only applies to US dividends NOT capital gains! So if you hold a US growth stock like Amazon which doesn't pay dividends, it will be 100% tax-free in a TFSA =)

[@CanadianTShirt]

I talk about this in greater detail in my TFSA MISTAKES video here =) kzbin.info/www/bejne/qWXGc5yYgaaHhbc

[@Lando-13]

@@CanadianTShirt right on. Thank you so much !!

[@neildcosta5041]

Hey! Enjoy your vids! Wanted to get your input on an ETF: HDIF, not sure I'd you've covered it in any other video :)

[@StoneChild9]

Thank you! :)

[@CanadianTShirt]

My pleasure! Thanks for watching! =)

[@pine74]

Adrian, does it matter holding TD in NYSE/TSE? same with enb. Maybe include this in your next vid :)

[@barry4696]

Hi Adrian, very happy to have your video. I learned many knowledge about the investment and saving in Canada. May I share my question with you on comparison between investing RBC and TD? I found that the Beta (5Y Monthly) of RBC is 0.76, TD's 0.88. They have same 4% appx. dividend yield. Should we pick the lower beta one (RBC)? is that mean RBC is more stable and lower volatility compared to the whole market? Thank you.

[@CanadianTShirt]

You don't have to pick one or the other, I invest in both! The beta is just one factor among dozens to consider when analyzing a stock! At the end of the day, both banks have a bright future, long history of increasing dividends and growing profits so I like both of them. I just prefer TD because of their US expansion strategy and they are more client-focused than RBC which is more corporate focused =)

[@barry4696]

@@CanadianTShirt Appreciate your reply. You have been a great help.

[@ddk1062]

Once again nice information video 👍. But one small thing. These are good for first watching your channel. But I am following from 2 years. This 2022 I didn’t see any new videos all are repeated ones. I know we need to join the special member program to get new ones. But could you please try to put some videos for your poor subscribers who is not able to pay and get the membership. Aleast one new video for 1 quarter that’s more than sufficient. This is kind request. The way you Conway is so nice and good. 🙏🙏🙏

[@febelynbernal7256]

Thank you

[@CanadianTShirt]

My pleasure Febelyn! I'm glad you found my video helpful! =)

[@febelynbernal7256]

@@CanadianTShirt I am very new at stock investment but I am learning a lot from you. Bless you for putting out KZbin videos like these as they don’t teach it at school unless you specialize in the field of economics post secondary 👏🏽😁

[@michaelshainline4099]

Excellent video! You even put in time stamps - amazing. Would you be willing to share or sell a copy of the excel file? Thanks

[@CanadianTShirt]

You got it Michael! I try my best to make my videos as organized and accessible as possible so if you want to skip ahead to different chapters, feel free! I just hope you give me a thumbs up at the end! 🙏

[@CanadianTShirt]

And I actually include a FREE Excel Template of my Dividend Tracker below each of my videos, I'll include the link here as well: bit.ly/2O4f3sr

[@CanadianTShirt]

This is just a template so it doesn't contain my full portfolio, just a portion to help you guys fill it in yourselves. If you want to see my full portfolio and all the numbers on my end, you'll have to join my MEMBERSHIP program but it will cost $5 a month to support my channel! I would greatly appreciate it but if you'd rather just stick to my free videos, that's great too! 🙏

[@JordanAnatole]

🔥🔥

[@CanadianTShirt]

Thanks Jordan! I'm glad you found this video helpful and enjoy those dividends! =)

[@ramican9155]

Thanks you!!!

[@CanadianTShirt]

My pleasure Rami! I'm glad you found it helpful! =)

[@giantbroom]

Could you do a video on your favourite US stocks to hold in your RRSP?

[@CanadianTShirt]

I talk about my US stocks in my RRSP extensively in my Members-Only Videos but I have also talked about them in my public videos! I have a whole video on my favourite US Dividend ETFs and here on my favourite US DIVIDEND STOCKS =) kzbin.info/www/bejne/rp_El4msa7VlhrM

[@CanadianTShirt]

And yes, I ALWAYS hold my high yield US dividend stocks in my RRSP to avoid paying that 15% withholding tax on US dividends =)

[@barbdesautels4643]

What do you say now in light of the about fraud that is not happening?

[@CanadianTShirt]

We will definitely see some more volatility in the short term but this is still one of my favourite stocks and I am continuing to invest and take advantage of these discounted prices =)

[@janeychejake]

Good content! Do you share your dividend spreadsheet? Did u set it up yourself? I need to get a handle on my dividends now that retired. Thank you for any insights.

[@CanadianTShirt]

Yes it's a Dividend Tracker Excel spreadsheet that I made and have been using for almost 10 years! I include a FREE Excel Template that you can download and use in the description box below my video. I'll include a link here as well =) bit.ly/2O4f3sr

[@pwatom22]

Just looking at the history of unit price and yield rei-un doesn't look that compelling. The business sounds good though.

[@krisskross8985]

What do you think of RS ETF by Middlefield? It has Riocan in it as well as many others.

[@CanadianTShirt]

I'll have to look into it! I've already covered my favourite REIT ETFs in this video =) kzbin.info/www/bejne/goKlm4KmgcqXptE

[@samr6781]

what about ZEB ETF?

[@CanadianTShirt]

ZEB is an ETF that just contains the 6 big Canadian banks. Personally I'm not a fan of ZEB because they're charging you a pretty high management fee of 0.28% every single year just to hold 6 stocks.... I can easily buy those 6 stocks individually and avoid that annual fee! The main benefit of an ETF is built-in diversification so I prefer ETFs that contains dozens or hundreds of stocks! For just 6 stocks, buy them yourself =)