Tangerine  is strictly an online bank,

owned by Scotiabank and has the bonus

of paying more interest on savings accounts

than the brick and mortar big 5 banks in Canada.

Tangerine accepts transfers, from and to all

major banks. With a $100 deposit, a new member receives an additional $50 from Tangerine.

Please add my Orange Key code when registering; 24769201S1

Meanwhile, I continue to build on my Tangerine

Investments and REIT's with self-directed TFSA accounts  focusing on monthly dividends.

Just as an example of the growth since late 2011 

with Tangerine investments ... ​their 'Equity Growth' fund since 2011 started and fluctuated from $10 to $9.71 in November; today is $19.12 per unit. Nearly doubling a starting investment back then and averaging a growth of 11.57%. Nothing to sneeze at for long term holders.

Wealthsimple  is launching a Trading site for Canadians. 

What is Wealthsimple Trade?

Wealthsimple Trade is a stock-trading service that lets you buy and sell stocks and exchange-traded funds (ETFs) through a simple mobile app, with $0 commissions and no account minimums.

Better-than-bank level security and accounts are CIPF protected up to $1,000,000.

Informative article here by the creator of the 'Canadian Couch Potato' about the shift to:Zero fee investing

The majority of Canadian REIT's continue to be stable in the ups and downs of the markets. Dividends, based on the number of units held, are paid monthly and statements/stats are issued from past years to current where I look for consistent yields and a sense of steadiness. With 5 or more years of paying a steady dividend or mild stepped increases ... that's what I'm seeking.

​Can't go wrong with the big 5 banks as well. They are listed in many an ETF these days.


 A Fintech, RoboAdvisors and Dividends Journal; My financial Trek through the risky business of​ investing online

November 15th

According to a sort of Bank of Canada poll and putting fingers on the pulse of the investor world in Canada, it's not that rosy yet and no positive predictions either. US and World markets tend to affect us so there's a lot of investor tension on the go. Probably a lot of funds sitting in 'cash' accounts waiting for brighter days where the TSX continues to be flat or dips into the negative for a day.

Over the long term, these events don't matter but when folks look at their shrunken portfolio values compared to mid 2018, it gets them to thinking about the future, which no one can predict of course.

For me, I continue my interest in REIT's and high interest savings accounts

like Tangerine until I see a more 'positive' trend in the Markets.

November 2nd

Like most investors, I continue to watch the state of the Markets to see if the October scare is history or will it have after effects. So far this week with some normal bumps, things are improving. Trade wars had a negative taint on it all until the US and China news that they will meet to see if some resolution can come of all that which Trump started.

Meanwhile, my REIT holdings didn't move much during the recent dips in the Markets. Confirms my stand that they are reliable and consistent.

October 25th

It's been quite a bumpy ride in the markets this past week and it's not over yet although today, there was some recovery. I read something like a few trillion in 'sells' world wide. Here in Canada, the TSX fell the lowest in 3 years and struggling to get back up to norms although a few Banks figure it will recover and then some by the end of the year. If that becomes true, it would a good time to buy a S&P/TSX Capped Composite Index ETF

That leaves a lot of stocks at lower prices ripe for buyers to pick up that are interested and I'm sure some investors are doing that. Discount shopping.

As for me, I'm sticking with the dividend producing REIT's as a base, there was little impact on their stock prices, even seeing a gain here and there through the storm in the Markets. PRV.UN and KMP.UN (that gained 2.48% today) so I'm pleased with my invests to date as I move forward.

October 21st

Investing is always about what my accounts look like today and always planning ahead with no 'guaranteed' results. Past history, current price/values and forecasts are all a click away on Google, Yahoo Finance, Stockhouse, Morningstar, etc.

With our ties to the US, when things happen down south with the Markets, tends to reflect in our own Market with TSX being the benchmark. International issues weigh in as well from day to day. 

Then there's the individual stock that's on my radar that looks a solid performer knowing it's current value could by possibly hyped higher than it's normal value, with short sellers planning to dump at a certain point. No one wants to pay the high price and then see it drop, losing money.

It can be information overload researching but a good feeling when the right choice is made.

REIT's with monthly dividends and TSX/S&P 500 'type' ETF's are great for long term. There's countless great opportunities out there as well to build on.

October 16th

Staying calm when Markets are in a plunge takes some discipline for sure as Investors see their account values dropping. My latest post entitled ... Rogue Waves  where I share my experience during the 2008 crash. This weeks numbers are still a tad shaky as International tensions with Saudi Arabia came to a head over the weekend. Better days ahead.

October 6th

If you checked out the Canadian Couch Potato's podcast and article, you can see by punching in numbers on Larry Bates's T-Rex calculator how much management fees have an impact on an investment.

Financial institutions and Banks now know the glory days in that area are over and in Canada, TD bank is slowly changing with the times. I'm sure other banks throughout North America are doing the same to keep customers and gain more.

TD, starting in November is revamping their ETF's and going low with fees; highest being 0.08%. That's cheap compared to 1 and 2% and a 98% high score on the T-Rex calculator. Also a robo-adviser service is being introduced soon

However Trade fees start at $9.99.

In comparison, Wealthsimple Trade launching soon, has zero commissions on trades. That will be a money saver.