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, if interested;  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

​​​My current approach is taking a percentage of my income and earnings from my online Biz for long term investments in dividend producing stocks, through REIT's, Fund Portfolios in the form of Mutual Funds and ETF's, working with the lowest management fees possible for performance.

Tips, strategies and endless information is available in print and online. Each day the Markets swing providing different results for a total gain or loss at the end of each year. Morningstar, Yahoo and Google financials provide stats and articles plus the investment section of my online banking.

There are some inspiring and down to earth Blogs I read called Canadian Couch Potato and Dividend Investor.

Each Blog has a different approach and 'model' portfolios that make money for them. In the end it takes time and patience over a few years to build for folks with a modest income and funding.

Dividends make sense with the swaying of the markets where an investor can build the number of shares by compounding with the dividend payments. Eventually generating cash dividends to supplement a monthly income.


Investing in the S&P 500 and other stocks/funds have a history of earning a higher percentage over a year. That's also available in ETF's. Being a Canadian and initially investing with US dollars starts at a loss with the currency conversion but having a long term account with 'building' USD in it is the better option. 

Months or years down the road convert back what's needed to CDN dollars when USD and CDN are on par or get more CDN dollars back with the current exchange.

With TSX, Toronto Stock Exchange being the benchmark ...  around 6% gain the last couple years. Not too shabby but most are looking for 9% and higher.

Dividends are high on my interest level where they earn either monthly or quarterly. REITS and companies that are listed as "Aristocrats"... 25 years of dividend increases and an average of over 10% per year. Can't go wrong with them over the long term.

"Long Term" investing are the key words. Investors who have room to explore and invite more risk, go after stocks they figure will double, triple their funding and more. Sell when they figure it has peaked. Mostly driven up by speculation and hype but can reap big rewards if 'played' right.