Loonies and Sense 🇨🇦 @LooniesAndSense Twitter profile

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Loonies and Sense 🇨🇦

@LooniesAndSense

3 months

@awealthofcs Once I re-invest 20-30% of our income every month, I am also broke. 😭

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Loonies and Sense 🇨🇦

@LooniesAndSense

1 year

When asked about becoming a billionaire, Craig Newmark (Craigslist) told Wired magazine: "I have a parking space, a hummingbird feeder, a small home with a view, and a shower with strong water pressure. What else am I supposed to want?" This stuck with me all these years.

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Loonies and Sense 🇨🇦

@LooniesAndSense

4 months

@MJillReeves Is the floor lava, too?!

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Loonies and Sense 🇨🇦

@LooniesAndSense

10 days

Coming this Labour Day to a web browser near you: Loonies and Sense Data HQ. Deep data dives on Canadian ETFs such as $XEQT, $XAW, and $VEQT (and more) for DIY investors. And a new home for all the data visualizations I build. Now, with 30% more added market data. 🧵

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Loonies and Sense 🇨🇦

@LooniesAndSense

8 months

@Schuldensuehner Paying for his bunker in Hawai’i!

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Loonies and Sense 🇨🇦

@LooniesAndSense

2 months

No trading. No options writing. No dumb-ass covered call ETFs. Just plain ol' buy-and-hold index ETF strategy with good risk-adjusted returns (see below). You're over-complicating this.

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Loonies and Sense 🇨🇦

@LooniesAndSense

4 months

About. a year ago, we shook things up with my son and his allowance. I tried an experiment to see if it would improve his financial literacy. It did, and this is that story. 👇

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Loonies and Sense 🇨🇦

@LooniesAndSense

5 months

Well, this could be terrifying for a lot of folks in Canada. Have a landlord who lives abroad? Better start withholding taxes! (From today's Globe).

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Loonies and Sense 🇨🇦

@LooniesAndSense

18 days

Let’s get this party started.

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Loonies and Sense 🇨🇦

@LooniesAndSense

6 months

$EQB (EQ Bank) fam. I spoke to EQB's spokesperson. They were super helpful and responsive, which is always a good sign from PR/IR. Here's their feedback on the results and today's market response. Italics indicate direct quotes. DYODD! 🧵

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Loonies and Sense 🇨🇦

@LooniesAndSense

2 months

A picture is worth a thousand words. Right?

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Loonies and Sense 🇨🇦

@LooniesAndSense

1 month

Three years ago we abandoned our plans to move to Costa Rica. We came to Victoria, B.C. on a whim as we had nowhere else to go. After 10 days, we decided to call it home. Now I have to deal with views like this every day. Sometimes what you want and what you need aren't the

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Loonies and Sense 🇨🇦

@LooniesAndSense

1 month

Am I right, $XEQT fam?

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Loonies and Sense 🇨🇦

@LooniesAndSense

2 months

That’s 52 laps around the sun for me… 🎉

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Loonies and Sense 🇨🇦

@LooniesAndSense

6 months

Want to accurately predict your CPP retirement benefit? One of my fellow Islanders, Doug Runchey, wrote a calculator to accurately do just that. You'll need your Statement of Contributions from your Service Canada account to get started.

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Loonies and Sense 🇨🇦

@LooniesAndSense

2 months

On August 9th, $XEQT will be 5 years old. This a major milestone for a fund. 🥳 I'll be helping those who $XEQT celebrate with a little something special on that day.

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Loonies and Sense 🇨🇦

@LooniesAndSense

5 months

See. Dividends aren’t so bad.

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Loonies and Sense 🇨🇦

@LooniesAndSense

9 months

$ENB.TO (Enbridge) announces a 3.1% dividend increase to $3.66 annualized.

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Loonies and Sense 🇨🇦

@LooniesAndSense

2 months

It's old research, but a 90s study by Berkerely found that women retail investors outperformed men. By ~100 beeps, which adds up over an investment lifetime. The reason? They traded less. This is partly due to men having overconfidence bias.🤔

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Loonies and Sense 🇨🇦

@LooniesAndSense

3 months

@ObjIFDividends I spent a decade working in capital markets. This year is my 24th year of trading. Financially independent since my 40s. And yet I give most people the advice that global asset allocation ETFs will likely lead to the best outcome with the least effort. Make of that what you

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Loonies and Sense 🇨🇦

@LooniesAndSense

2 months

@Quant_Kurtis Honestly, in my experience, just keep quiet. There's a reason they're not investing already.

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Loonies and Sense 🇨🇦

@LooniesAndSense

6 months

For those who $XEQT, I wrote a quick blog post on the $XEQT Explorer app that I put together. The app is now live, although please bear in mind it's not automagically updating at market close (yet). Feedback welcomed.

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Loonies and Sense 🇨🇦

@LooniesAndSense

2 months

Is it the prettiest pizza? No. Is it the best tasting pizza? Also, no. But I got to make it with my son. 💕

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Loonies and Sense 🇨🇦

@LooniesAndSense

6 months

$POW.TO reports 7.1% dividend increase.

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Loonies and Sense 🇨🇦

@LooniesAndSense

6 months

OMG. Quite possibly some of the best tacos I’ve ever had. 🌮

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Loonies and Sense 🇨🇦

@LooniesAndSense

6 months

So, you might be wondering what's going on with $BCE.TO? And why is it trading <CAD$49 right now? Let me try and break it down for you. 🧵

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Loonies and Sense 🇨🇦

@LooniesAndSense

6 months

Here's what I bought...and 9151 other global companies. $XEQT

Loonies and Sense 🇨🇦

@LooniesAndSense

6 months

Any guesses as to what I traded into with the proceeds? 🤔

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Loonies and Sense 🇨🇦

@LooniesAndSense

7 months

Bought $CNR.TO (CN Rail) last year on the dip. Thought it was a bargain. 🚂 Total return has been ~17% so far. I'm okay with that. You might be looking for the next $NVDA, but a lot of "boring" companies will slowly make you rich -- and keep you rich.

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Loonies and Sense 🇨🇦

@LooniesAndSense

1 year

$FTS.TO (Fortis) became a dividend king this morning after 50 years of consecutive dividend increases. The latest clocking in at 4.4% y/y. Happy Fortis shareholder!

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Loonies and Sense 🇨🇦

@LooniesAndSense

4 months

I wrote recently about getting medical care in Mexico. Well, apparently the axiom good/fast/cheap applies in my case. 👇 I was told I needed fairly major, but common, surgery in Mexico. Facing a lifetime of no more cheeseburgers, I decided to not get the surgery, fly home, and

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Loonies and Sense 🇨🇦

@LooniesAndSense

5 months

Spurred on by a conversation this morning on Canadian 100% equities asset allocation funds with @BoomerandEcho , I backtested $VEQT and $XEQT. We're constrained by $XEQT's inception date of Sep '19 here. This is $1000/month thrown into your fund of choice and all distributions

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Loonies and Sense 🇨🇦

@LooniesAndSense

2 months

Rate my hat.

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Loonies and Sense 🇨🇦

@LooniesAndSense

6 months

Six hours later… Tacos de carnitas! 🇲🇽🌮

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Loonies and Sense 🇨🇦

@LooniesAndSense

8 months

Canada, Mexico, and the U.S. markets will migrate to T+1 settlement starting on May 24th 2024. The full migration will finish up ~May 30th if all goes well. Generally a great thing for retail investors!

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Loonies and Sense 🇨🇦

@LooniesAndSense

6 months

More $XEQT fun. I made a dashboard that slices $XEQT by country and positions in a live geo map based on yesterday's close. If this is of interest or helpful, I'll happily share the project. Just need to work out some issues. $XEQT pr0n?

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Loonies and Sense 🇨🇦

@LooniesAndSense

6 months

Cost of medical care in Mexico 🇲🇽 for me today Consult with GI surgeon MXN$700 (~CAD$58) GI ultrasound MXN$500 (~$40) Chest X-ray MXN$450 (~$36) Electrocardiogram MXN$300 (~$24)

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Loonies and Sense 🇨🇦

@LooniesAndSense

1 year

Now that I've bailed on buying some $KO, gonna load up our TFSAs with some more $FTS.TO and $T.TO this coming trading week! #StayBoring

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Loonies and Sense 🇨🇦

@LooniesAndSense

1 month

Camping mode enabled.

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Loonies and Sense 🇨🇦

@LooniesAndSense

3 months

90% in MicroStrategy ($MSTR). Both his TFSA and RRSP. Time to realize those gains and find some better risk-adjusted returns. But he's holding on until $BTC hits USD$100K...

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Loonies and Sense 🇨🇦

@LooniesAndSense

1 month

Once upon a time, I had a BlackBerry and I thought I was important. Then I learned picking blackberries with my son is more important.

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Loonies and Sense 🇨🇦

@LooniesAndSense

4 months

I'm not saying I have all the answers when it comes to teaching kids financial literacy, but I've been very pleased with the outcome here. He also knows that dividends aren't free money, so he's likely one step ahead of some investors. 😉

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Loonies and Sense 🇨🇦

@LooniesAndSense

2 months

Happy Canada Day, eh?! 🇨🇦🇨🇦🇨🇦🇨🇦🇨🇦🇨🇦🇨🇦🇨🇦

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Loonies and Sense 🇨🇦

@LooniesAndSense

2 months

Here's a little personal finance thread on earthquake insurance for Canadians. I'm not insurance-licensed, so you should talk this through with a licensed professional and just use it as education. 🧵

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Loonies and Sense 🇨🇦

@LooniesAndSense

4 months

If you're so confident in your investment choices... ...why aren't you leveraged? 🤔

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Loonies and Sense 🇨🇦

@LooniesAndSense

4 months

What if it wasn't about dividends versus total return, but about the friends we made along the way? 🤔

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Loonies and Sense 🇨🇦

@LooniesAndSense

4 months

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Loonies and Sense 🇨🇦

@LooniesAndSense

2 months

Fairly smokey around my home this morning. An out-of-control wildfire is burning ~12km from my front door. Nothing but trees between me and it. A reminder that you can't control what happens in life. But you can plan - I'm well prepared.

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Loonies and Sense 🇨🇦

@LooniesAndSense

8 months

In a few hours, my son will have an operation (minor). It's general anesthesia, so I'm a bit anxious. It's at times like this I'm reminded we're all intrinsically the same. As a parent, no amount of money or "success" lessens the emotions.

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Loonies and Sense 🇨🇦

@LooniesAndSense

3 months

Cheers! (Also, thank you bots...)

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Loonies and Sense 🇨🇦

@LooniesAndSense

2 months

Imagine buying U.S. small caps and Canadian stocks when they were down months ago. And then seeing how things have perked up for them the past few days. We can't predict the future, of course. But that's also why buying the global market works out well too.

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Loonies and Sense 🇨🇦

@LooniesAndSense

11 days

My son got his third call-back for trying out for his football team ⚽️last night. So, I reminded him of this: (1) The glass is half-full here. You haven't been told you're not in the team. (2) You've only been training for a year. Yet Ajax-certified couches can see your talent

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Loonies and Sense 🇨🇦

@LooniesAndSense

5 months

😢😢😢 Why, Canada? Why?!

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Loonies and Sense 🇨🇦

@LooniesAndSense

5 months

This message brought to you by #Starlink from the Costa Oaxaqueña jungle.

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Loonies and Sense 🇨🇦

@LooniesAndSense

4 months

I found this message in the sand at the beach.

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Loonies and Sense 🇨🇦

@LooniesAndSense

2 months

I explained to my dog that dividends are not free money, reinvesting them doesn't lead to "extra compounding", and how tax integration works in Canada. He looks smarter already!

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Loonies and Sense 🇨🇦

@LooniesAndSense

5 months

What the heck am I supposed to do with all these $XEQT distributions?! Oh, I know... 😜

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Loonies and Sense 🇨🇦

@LooniesAndSense

5 months

#BClife

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Loonies and Sense 🇨🇦

@LooniesAndSense

1 month

Gentle reminder that real estate doesn't always go up. Even in Canada.

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Loonies and Sense 🇨🇦

@LooniesAndSense

1 month

On January 3rd, 2000 Yahoo became the most valuable company in the world. Peaked at ~$500/share split-adjusted. By September 2001, they would hit ~$8.

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Loonies and Sense 🇨🇦

@LooniesAndSense

6 months

Canada 🇨🇦 We gave the world hockey. 🏒 Maple syrup. The BlackBerry. And over-priced yoga pants. In March 1990, we also invented the ETF. You're welcome #FinTwit . 🫡

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Loonies and Sense 🇨🇦

@LooniesAndSense

7 months

$XEQT fam: you might be wondering how your investment might be fairing right now with lots of less-than-stellar news coming out about Chinese markets. Well, China is only ~0.7% of your holdings. You have more concentration risk in Bank of Montreal. ETF and chill. 😎

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Loonies and Sense 🇨🇦

@LooniesAndSense

6 months

$XEQT investors are built different.

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Loonies and Sense 🇨🇦

@LooniesAndSense

4 months

Index investor out enjoying some fishing instead of worrying about his portfolio.

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Loonies and Sense 🇨🇦

@LooniesAndSense

5 months

Don't bet against....Canada? 🇨🇦🫡

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Loonies and Sense 🇨🇦

@LooniesAndSense

5 months

Go to the beach....to see the mountains?! Spring is in full swing.

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Loonies and Sense 🇨🇦

@LooniesAndSense

1 month

Dividend stocks never implode, right? Guaranteed income, right? (Remember: this is the second cut in two years for $AQN).

TSX Dividends

@TSXDivStock

1 month

$AQN.TO gets the renewables sale done, but a 40% dividend cut! I don't think anyone expected that. From RBC:

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Loonies and Sense 🇨🇦

@LooniesAndSense

1 month

Never bet against...Japan? 🇯🇵🫡

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Loonies and Sense 🇨🇦

@LooniesAndSense

5 months

On the phone with a large bank brokerage this morning. A dividend is MIA. Rep tells me she needs to talk to the custodial services team. They didn't answer the phone. I suggest opening a ticket or sending them an email. She says "we don't have those facilities". I responded by

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Loonies and Sense 🇨🇦

@LooniesAndSense

6 months

@MarkMcGrathCFP Honestly, not quite sure where to start with this. I understand you can't eat bricks. I understand some folks are in a tricky situation. But this almost smacks of being [extra] predatory?

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Loonies and Sense 🇨🇦

@LooniesAndSense

3 months

Today’s office pic.

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Loonies and Sense 🇨🇦

@LooniesAndSense

4 months

I commonly hear from $QQQ bros that if you "DCA'd" into it during the lost decade you made out like a bandit. What does that actually look like? Let's dig in. 👇

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Loonies and Sense 🇨🇦

@LooniesAndSense

7 months

Found out last year I can no longer run.🏃‍♂️ Yet I hiked the equivalent of 41 marathons in 2023. Sometimes slow and steady still wins the race. 🐇🐢

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Loonies and Sense 🇨🇦

@LooniesAndSense

3 months

Between 2020 and 2021, my family sold everything we owned. Condensed our lives into 3 suitcases. We were moving to Tamarindo, Costa Rica. But we never got on the plane. Here's part 1 of how moving abroad impacts Canadian's personal finances.

So You Want to Move Abroad? Part 1: Leaving Canada

Leaving Canada for good can come with a high price tag under certain circumstances. Here I detail what we learned with our [aborted] move to Costa Rica in 2021.

www.looniesandsense.com

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Loonies and Sense 🇨🇦

@LooniesAndSense

2 months

Good.

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Loonies and Sense 🇨🇦

@LooniesAndSense

3 months

When my son was little, we used to tell him we took the good parts of mummy and daddy, smooshed them together, and made him. Now that he's 12, I can see there might have been some truth to this. Makes being a father so worthwhile. Happy Father's Day to those who celebrate.

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Loonies and Sense 🇨🇦

@LooniesAndSense

30 days

Free* blackberry jam. Priceless. *Excludes two hours of labour for foraging, one hour of labour in the kitchen, sugar, jar, vanilla, and lemon juice.

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Loonies and Sense 🇨🇦

@LooniesAndSense

4 months

@PinkProfit I have a decent coffee maker (Braun) and that makes a difference with my morning coffee. When I had rental properties, I always bought premium tools -- you want your tools to work when it's your business at stake!

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Loonies and Sense 🇨🇦

@LooniesAndSense

3 months

Also for those who $XEQT... 22.8% IRR Y/Y on a total return basis. Imagine getting that, massive global diversification, low costs, and a basket of currencies to hedge your future against. 🤷‍♂️

Loonies and Sense 🇨🇦

@LooniesAndSense

3 months

For those who $XEQT, just hit $31.00.

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Loonies and Sense 🇨🇦

@LooniesAndSense

6 months

Who needs Hawai’i?

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Loonies and Sense 🇨🇦

@LooniesAndSense

8 months

"Critics of indexing may argue that 'average' in investing equals mediocrity. But in a market where most investors underperform, indexing isn’t average at all. It’s like par in golf, and not many investors consistently beat that." Love this so much! ⛳️

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Loonies and Sense 🇨🇦

@LooniesAndSense

2 months

This is now a BBQ account. Me and my neighbour finally carried this bad boy down two stories of stairs to the backyard. Do not recommend! Expect pics. Thanks to $WMT for giving me a deal because it’s an “older model”. 👀

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Loonies and Sense 🇨🇦

@LooniesAndSense

1 month

Happy 5th birthday $XEQT!

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Loonies and Sense 🇨🇦

@LooniesAndSense

3 months

If I put together a quick post on some of the books that have helped get me where I am (financially and personally), would y'all find that interesting? Note: they're not all investing/personal finance books, but they'll all make you a better investor 😉

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Loonies and Sense 🇨🇦

@LooniesAndSense

4 months

To my Canadian 🇨🇦 friends, Have a swell Victoria Day long weekend.

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Loonies and Sense 🇨🇦

@LooniesAndSense

3 months

Bank of Canada cuts rate to 4.75% The Bank of Canada today reduced its target for the overnight rate to 4¾%, with the Bank Rate at 5% and the deposit rate at 4¾%. The Bank is continuing its policy of balance sheet normalization.

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Loonies and Sense 🇨🇦

@LooniesAndSense

5 months

@wowpursuits I retired in 2018 at the age of 45. I have never read a book on FIRE. I don't care what FIRE is or is not. I can barely even spell FIRE. I'm just trying to live my best life on my terms.☮️

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Loonies and Sense 🇨🇦

@LooniesAndSense

5 months

It seems like wildfire season is already well underway here in BC. Big shout out to the women and men who work hard dealing with this every year. From BC and beyond. 👊

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Loonies and Sense 🇨🇦

@LooniesAndSense

6 months

Not all is good at $ATD.TO? That's quite a drop in net earnings.

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Loonies and Sense 🇨🇦

@LooniesAndSense

2 months

Anyone who can get to my house in the next five minutes can have some pulled pork…

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Loonies and Sense 🇨🇦

@LooniesAndSense

1 month

#BClife

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Loonies and Sense 🇨🇦

@LooniesAndSense

2 months

Rate my setup.

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Loonies and Sense 🇨🇦

@LooniesAndSense

7 months

Quietly crossed 500 followers... Thanks for coming along for the ride!👊

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Loonies and Sense 🇨🇦

@LooniesAndSense

4 months

Your behaviour will affect your investment journey and its outcome more than anything else. Some people think it's about choosing the best investments: but if you fix your behaviour first, that will just fall into place.

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Loonies and Sense 🇨🇦

@LooniesAndSense

1 month

Just ride it out, people. Let mean reversion do its thing.