ULTIMATE Questrade Review 2017 Questrade hat sich als Online-Brokerage-Führer in Kanada durch Catering hervorragend für alle Mainstream-Investoren entpuppt. Sie haben die niedrigsten Provisionen in Kanada durch eine demokratische Preisstruktur, neben hervorragenden Forschungsinstrumenten und soliden Handelsplattformen. Questrade gilt auch als der am schnellsten wachsende Finanzdienstleister zum Teil aufgrund des hervorragenden Kundenservice. 9660 Scroll Down für die In-Depth Review WrittenUpdated von Emma Li am Samstag, 25. Februar 2017 Editor Bewertung: (90) User-Rating: (95) Wäre es kommt zu investieren in 2017 die Trading-Landschaft ist gebadet und platzen an den Nähten mit Unzählige Finanzmaklerhäuser. Große Namen wie BMO InvestorLine, RBC Direct Investing, TD Direct Investing, Interactive Brokers, Scotia iTrade und mindestens ein Dutzend mehr stehen zur Auswahl. Traurig, durch tiefergehende Analyse kann man leicht unterscheidende Unterschiede zwischen ihnen, vor allem im Kreis der großen Banken zu unterscheiden. Die meisten Maklerfirmen machen in erster Linie ihre Einnahmen durch neue und erfinderische Zusammensetzungen von unzähligen und laufenden Gebühren auf ihre Kontoinhaber gedrückt. Solche Gebühren beinhalten, sind aber nicht beschränkt auf Verwaltungsgebühren, Einrichtungsgebühren, Aktivitätsgebühren, Inaktivitätsgebühren, versteckte Gebühren und Nach-Stunden-Gebühren. Diese zusätzlichen Kosten könnten gut sein und Dandy für den Bruchteilprozentsatz von Großserienhändlern, nur weil ihre reinen Handelsvolumina und realisierte Gewinne diese Kosten im Laufe der Zeit möglicherweise kompensieren können. Allerdings sind für den Rest von uns die hinzugekommenen und konsequenten Gebühren eine Erinnerung, dass im Laufe der Zeit 8220die Haus immer gewinnt8221. Verwenden Sie Angebot Code: Kanada, um 50 in Free Trades von Questrade zu erhalten. Anfängliche Anleger werden in der Regel auf ihre lokale Bank zu öffnen, um ihre Trading-Konto in erster Linie aus Bequemlichkeit zu öffnen, da sie bereits eine oder mehrere persönliche chequingsavings Konten mit dieser Bank besitzen und so eröffnen ein Handelskonto ist nur ein Anruf entfernt. Die unglückliche Katastrophe mit diesem Ansatz ist, dass große Banken, und für diese Angelegenheit, praktisch jede andere Maklerfirma in Kanada wird Ihnen einen Arm und ein Bein für jede Art von Aktivität, die Sie tun (und don8217t tun) in Ihrem Trading-Konto. Ja, auch in diesem expansiven Internet-Zeitalter, wo alles ist Selbstbedienung 247 Bequemlichkeit, Provisions-Termine auf der ganzen Linie sind lang, robust und sehr viel Corporate-Bottom-Line-freundlich. Mit Standard-Raten bei 29-49 pro Handel ist alltäglich ein can8217t helfen aber Frage, ob die gesamte Branche ist Teil eines Preis-Fixing-Schema. Wo sind die Entscheidungen Der Aufstieg von Questrade. Gegründet im Jahr 1999 wollte dieses Unternehmen etwas anderes machen Die wachsende Unzufriedenheit von aktiven und inaktiven Händlern zu sehen, die müde waren, ihre Marktgewinne zu beobachten, die in einer Flut von neuen Vermittlungsgebühren von anderen Unternehmen weggewaschen wurden, begann Questrade einen Prozess der Rationalisierung des gesamten Anlageansatzes. Und so denke ich, dass sie einen schönen Eindruck machen. In dem Rest dieser Rezension werde ich Questrade und ihre kollektiven Angebote in Bezug auf das Gute und das Schlechte erforschen. Zuerst ein wenig über mich. Ich bin kein aggressiver, hochaktiver Trader. Meistens nehme ich den Buy-and-Hold-Ansatz als meinen bewährten Investitionsstil. Und so, wenn ich in eine Firma kaufe, tue ich das für die Langzeit. Doch manchmal bekomme ich das Juckreiz und fange an zu handeln wie eine verrückte Person, aber das passiert nicht oft. Questrade bietet eine gut gearbeitete Industrie einzigartige 8216demokratische Preisgestaltung8217 Börsenkommission: 1cent pro Aktie mit einer Mindestgebühr von 4.95 Trade und einer Obergrenze maximale Provision von 9,95 8212 ideal für langfristige Investoren. Aktive Händler (oder jedermann zu jeder Zeit) haben die Alternativoption von 1cent pro Aktie (max. 6% maximal 6,95) oder eine 4,95 Flat Provisionsgebühr 8212 ideal für hochvolumige Aktiengeschäfte. Optionen, die für diese aktiven Benutzer investieren, kommen mit einem attraktiv niedrigen 4,95 75cent pro Vertrag. Und der Prozess der Einschreibung in dieses alternative Programm beinhaltet einfach das Abonnieren einer von Questrade8217s mehrere erweiterte Marktdatenpläne. Dies sollte noch einmal gesehen werden. Es ist kein Tippfehler. Questrade bietet die billigsten Trades in ganz Kanada an. Ihr Preis ist so beeindruckend, dass es tatsächlich ermutigt, neue und kleine Investoren zu springen und nehmen an der Investition Spiel, während auch verlockende verärgerte aktive Händler von anderen Maklerfirmen zu übertragen (kostenlos). Sie machen es reichlich klar, dass sie die Gebührengebühren, die jährlichen Gebühren und die Inaktivitätsgebühren (mehr dazu später) auf irgendwelche ihrer Dienstleistungen, die eine willkommene Änderung der Industrie-Norm sind, abgeben. Für diejenigen, die mehr von einem aktiv verwalteten Portfolio-Touch suchen, gibt es einen Spezialitäten-Service, den sie bei einer nominalen Jahresgebühr anbieten. Dies wird in dieser Übersicht ausführlich erörtert. Es gibt ein paar andere bemerkenswerte Vergünstigungen von Questrade. Die erste ist die Möglichkeit, ETF (Exchange Traded Funds) Fonds ohne Provisionsgebühr zu kaufen 8212 sie sind frei zu kaufen Mit so vielen Anlegern, die sich an ETFs in diesen Tagen wegen ihrer niedrigen MERs und abwechslungsreicher Reichweite sind, ist es ein wundervoller Atem der frischen Luft zu In der Lage sein, dies ohne Kosten zu tun. Questrade kann einer der ersten Discount-Broker in Kanada sein, um so etwas zu tun, und ich applaudiere ihnen. Zweitens bietet Questrade IPOs an (Initial Public Offering). Für diejenigen, die nicht mit IPOs vertraut sind, sind diese einfach der erste Verkauf von neuen Ausgaben von einem privaten Unternehmen an die Öffentlichkeit. Questrade hat regelmäßig Zugang zu einer breiten Palette von neuen Angeboten, die sie den Kunden zur Verfügung stellen. Questrade bietet verschiedene Arten von Konten an: Margin Accounts (zB Individual, Informal Trust, Business) Registriert (zB TFSA, RRSP, RESP) Forex (FX) und Contract for Difference (CFD) Trading Managed Investing (zB Individual Cash, Registered, Corporate Cash ) Und bietet Zugang zu den folgenden Dienstleistungen: 1cent pro Aktie 8211 4.95trade Minimum 9.95 maximale Gebühr Portfolio IQ (Managed Investing) Kosten variiert 8211 0.35 bis 0.70 (mindestens 2.000 in Vermögenswerte) Neues Konto Anmeldung Der Prozess der Eröffnung eines Kontos online Ist bemerkenswert intuitiv, schmerzlos und sehr schnell (2 Minuten für Ihre allgemeine Rechnung, Zugang zu Praxis-Plattformen und Community-Diskussion 20 Minuten insgesamt für die Eröffnung von Handelskonten). Sie benötigen Ihre Sozialversicherungsnummer (SIN), Bankkontoinformationen und Arbeitgeberdetails (oder Einkommensquelle, wenn arbeitslos). Und obwohl sie eine Offline-Ausdruck-Alternative haben, empfehle ich ihren sicheren Online-Prozess stattdessen, weil es die Menge an Write-In-Fehlern und Lesbarkeitsproblemen reduziert und DocuSign für den Online-Signierungsprozess unterstützt. Verwenden Sie Angebot Code: Kanada, um 50 in Free Trades von Questrade zu erhalten. Anmeldung Start-Seite Kontoauswahl Vereinbarungen Eines der ersten Dinge, die Sie bei der Anmeldung tun müssen, besteht darin, eine Benutzerkennung und ein Passwort für Ihr neues Konto zu erstellen. In früheren Tagen hatte Questrade einen automatisierten Prozess, der dieses Passwort generiert und per E-Mail gesendet hat, und zusammen mit Ihrer E-Mail-Adresse als primäre Anmeldeinformationen gedient. Dieser alte Weg wurde zu einer potenziellen Verwundbarkeit und so haben sie es im Jahr 2011 dankbar verändert, was sie jetzt haben. Der Vorteil der Erstellung Ihrer eigenen Benutzer-ID und Passwort macht es auch viel bequemer, zu einer unvollständigen Anwendung zu einem späteren Zeitpunkt zurückzukehren. Sessions Zeit nach 30 Minuten Inaktivität geben Ihnen reichlich Zeit, um die erforderlichen Dokumente und Anmeldeinformationen zu sammeln, und überprüfen Sie Ihre eingegebenen Details. Questrade bietet zwei Sammlungen von Konten an: Selbstgesteuertes und Managed Investing. Wenn du die volle Kontrolle über dein Konto haben möchtest, dann ist dir selbst gerichtet. Für diejenigen, die eine professionell verwaltete Herangehensweise von einem echten Personal (Bereich Questrade Wealth Management) hinter den Kulissen, die sorgfältig berücksichtigt Ihre persönlichen Ziele und Risikobereitschaft zu entsprechen, zu verwalten, zu überwachen und anpassen für die besten Investitionen ohne Ihre tägliche Beteiligung dann verwaltet Investieren (bekannt als Portfolio IQ unter Questrade8217s Lexikon) ist die beste Option. Im Gegensatz zu selbstgesteuerten, Portfolio IQ kommt zu einem Preis 8212 eine 14-jährige Mindest-Management-Gebühr. Meiner Meinung nach ist alles, was man jemals brauchen wird, darüber nachzudenken, wie fundierte Investitionsentscheidungen für die Neueinsteiger in diesen Tagen ganz einfach sind und auf diese, selbstgesteuerte Konten zusammenhängen, haben keine Gebühren (außerhalb der üblichen Handelskommission), die mit ihnen verbunden sind Ihre verwalteten Cousinen. Ich gehe ausführlich auf ihr verwaltetes Investitionsangebot in einem späteren Abschnitt. Nach der Anmeldung online (don8217t vergessen, den Questrade-Angebotscode während der Anmeldung zu verwenden) können Sie sich sofort bei Ihrem neuen Konto anmelden und sich umsehen. Um jedoch Ihr Konto offiziell zu aktivieren (um mit dem Handel zu beginnen) ist eine erste Einzahlung erforderlich 8212 selbstgesteuert: 1.000 für Margin-Konten, 1.000 USD für Forex-Konten (CAD-Einzahlungen werden automatisch in USD umgerechnet), 5.000 auf Handelsoptionsspreads, 25.000 To writeesell aufgedeckte Optionen und Managed Investing (Portfolio IQ) erfordert mindestens eine 1 erste Einzahlung. Sobald diese anfängliche Mindesteinzahlung Questrade E-Mails gelöscht hat, erhalten Sie eine Bestätigungsnachricht. Für Offline-Anwendungen werden Sie von einem Vertreter kontaktiert, der bestätigt, dass der Handel beginnen kann. Es dauert 1-3 Werktage von der Anmeldung für Ihr Konto, um mit dem Handel zu beginnen. Der längste Teil des Prozesses wartet darauf, dass die Mittel von Questrade empfangen und verarbeitet werden. Sobald alles los ist, ist die Aufrechterhaltung einer Mindest-Eigenkapitalbilanz von 250 wichtig, um Ihr aktives Konto in gutem Zustand zu halten. Questrade unterstützt mehrere Methoden zur Finanzierung Ihres Kontos, einschließlich EFT (von CAD-Bankkonten), Überweisungen, Schecks, vorab autorisierte Einzahlungen, Zahlungsanweisungen, Entwürfe, Bestandszertifikate, Broker-to-Broker-Transfers und von anderen vorhandenen Quest-Konten (unter dein Name). Es sollte jedoch beachtet werden, dass Sie die EFT-Methode nicht verwenden können, um USD zu Ihrem Quest-Konto zu schicken. Das Gegenteil ist möglich, wo Sie USD-Gelder auf ein USD-Bankkonto zurückziehen können (sie verlangen eine Leere oder eine von der Bank unterschriebene und von der Bank gestempelte Kautionserklärung). Zur Einzahlung von USD können Sie einen vorab autorisierten Einzahlungsvertrag mit Questrade einrichten, der etwa 1-5 Werktage dauert oder einen zertifizierten Chequebankentwurf in ihr Büro sendet oder die USD-Fonds direkt auf Ihr Konto überträgt. Alternativ können Sie auch Ihren vorhandenen CAD-Guthaben (innerhalb Ihres Kontos) in USD mit dem Exchange-Funds-Tool (gefunden unter Anfragen) umwandeln, das bis zu 24 Stunden dauern kann, um zu verarbeiten oder Norbert8217s Gambit zu nutzen (erfolgreiche Conversions wurden bestätigt) . Die Finanzierung Ihrer Marge (oder eines anderen nicht registrierten) Kontos entweder per Währungstyp wird automatisch in ein Unterkonto (mehr über Unterkonten später) des gleichen Typs platziert (sie führen keine automatischen Konvertierungen aus 8212 müssen Sie die Anforderung ausführen dein eigenes). Elektronische Abhebungen dauern etwa 3 Werktage, um zu verarbeiten und in ein Bankkonto einzugehen. Eine interessante verwandte Anmerkung ist, dass Questrade weiterhin die einzige Vermittlung in Kanada ist, um Dual-Währung (CAD und USD) gleichzeitig in registrierten Konten (dh RRSP, RESP, TFSA, LIRA, RIF, LIF) zu halten, die in und von Selbst wird eine enorme Menge an Geld aus unnötigen Umtauschgebühren sparen. Bitte beachten Sie, dass Questrade eine subtile, aber wichtige Revision auf ihre Inaktivitätsgebühr Politik. Es ist wirklich nicht so schlimm, wenn du die Details nimmst. Wenn irgendetwas recht vernünftig ist. Wie schon lange bekannt war, berechtigt Questrade keine Inaktivitätsgebühr, aber diese Anpassung kann bis zu 24,95 (keine Steuer) pro Kalenderquartal erheben. Wenn Sie jedoch mindestens einen Provisionshandel pro Quartal (einmal alle 3 Monate) machen, wird Ihnen keine Inaktivitätsgebühr erhoben. Wenn Sie für ein Viertel inaktiv sind und diese Gebühr in Rechnung gestellt werden, aber dann machen Sie mindestens einen Handel im folgenden Quartal, erhalten Sie bis zu 24,95 in Provisionsfreien Handel. Wohltätige und Devisenkonten, Personen, die 25 Jahre alt oder jünger sind, sowie jedes neue Konto, das nur für 6 Monate geöffnet ist, sind von dieser Gebühr befreit (Sie werden nicht für die Inaktivierung aufgeladen). Auch alle Kunden von Questrade und Haushalte mit der gleichen physischen Adresse, mit kombinierten Eigenkapitalvermögen von mindestens 5.000 sind befreit. Für die meisten Investoren ist diese Veränderung trivial, da ihre Vermögenswerte fast immer über 5.000 sind, und so wird niemals diese Inaktivitätsgebühr in Rechnung gestellt. Wie ich schon früher darauf hingewiesen habe, denke ich, dass diese Veränderung vollkommen vernünftig ist und noch Meilen besser ist als alle anderen Discount-Brokerage-Häuser, die nicht nur eine Inaktivitätsgebühr erheben, ohne Ausnahmen, sie tun dies öfter (jeden Monat) und tacken auf unzählige versteckte Gebühren Welche Questrade nicht. Mitglieder Login Ihr Account8217s primäres Client Control Portal ist bekannt als Questrade Account (alternativ, manche nennen es myQuestrade) und ganz einfach gesagt, es ist eine schöne Erfahrung mit gut durchdachten Organisation und visuellen Reiz. Jemand hat eine Menge Liebe in diesen Bereich 8212, die eine konsistente, völlig immersive und reaktionsschnelle Erfahrung bietet, die auf Smartphones, Tabletten, Laptops und Desktops zugänglich ist. Dieses Portal integriert das Handels - und Account-Management ganz nahtlos, um sofortigen Zugang zu Buysell-Wertpapieren zu erhalten, mit Forschungsinstrumenten zu arbeiten, eine belebte Bibliothek von Partner-Apps (und Developer8217s API) zu nutzen, Ihre Kontoaktivitäten anzuzeigen, Salden und Positionen zu analysieren, zu verwalten Persönliche Details, Anzeigen von Aussagen, Überweisung von Überweisungen in Ihre Konten, Hochladen von Dokumenten, Umtausch von CADUSD-Währung, Übernahme von Unternehmensaktionen auf Shareholder-Kommunikation, Übergabe von Positionen, Eröffnen von zusätzlichen Konten, Abrufen von Steuerbelegen, Ausübung von Optionen und Interaktion mit Investmentfonds Questrade Account Investment Zusammenfassung Investment Cent Center Bei der Anmeldung in Ihrem Konto werden Sie zum ersten Mal aufgefordert, eine Standard-Heimatbasis auszuwählen. Eine Heimatbasis ist, wo Sie möchten, dass Questrade Sie jedes Mal, wenn Sie sich anmelden, direkt platzieren. Sie haben die Wahl zwischen der Handelsplattform oder dem Account Management. Obwohl it8217s eine bequeme Zeitersparnis ist, können Sie zwischen jedem jederzeit über eine immer sichtbare obere Menüleiste springen. Sobald you8217ve Ihre Wahl gemacht hat, geht Questrade durch eine interaktive Bedienungsanleitung, wie man die Umgebung benutzt. Die Konten 8217s bestehen aus 10 numerischen Ziffern (z. B. 12345678-90). Dies ist ein großer Sprung von ihrer vor-2011 6-stelligen alphanumerischen Größe und als solche einige externe Banken wurden berichtet, immer noch eine 8-Zeichen-Limit für Payee-Konten, wenn Sie versuchen, Geld an Questrade zu senden. Um dies zu umgehen, musst du nur die 1. 8-stelligen deines Questrade-Kontos zur Verfügung stellen und die Gelder werden immer noch erfolgreich ankommen. Wenn Sie zu irgendeinem Zeitpunkt Hilfe benötigen, können Sie die Online Questony Live Help Session (in der Regel von der obersten oder rechten Seite von Questrade8217s Website) nutzen. 8212 an Wochentagen (ausgenommen Feiertage) von 7:30 Uhr 8211 20:00 Uhr ET. Ich habe festgestellt, dass mit Live-Hilfe ist viel schneller als rufen ihre Büros. Und nach dem Sprechen mit mehreren ihrer Online-Vertreter (diejenigen, die mit potenziellen neuen Konten und andere, die mit bestehenden Konten zu tun befassen) fand ich sie sehr gut informiert, professionell und schnell in ihre Antworten. Sie alle haben auch die zusätzliche Zeit, um Web-Links für die weitere Lesung, die ein schöner Bonus war. Kontoaktivitätsverlauf Unter Berichten befinden sich eine Reihe von Unterkategorien, die Einzelheiten über den Handel und die allgemeine Kontoaktivität angeben. Einige dieser Unterkategorien sind: Investment Summary (siehe oben), Investment Return. Account Aktivität . Aussagen. Handelsbestätigungen. Und Steuerbelege. Als Questrade im Jahr 2011 erhebliche Änderungen an der UI vornahm, haben sie alle Handelsaktivitäten in das Kundenportal verlagert. Dies ist eine sehr willkommene Änderung, denn zuvor wurde alle Handelsaktivitäten Geschichte von einem Drittanbieter Clearinghouse Unternehmen namens Penson Financial Services zur Verfügung gestellt und Sie mussten eine völlig andere Website und einen anderen Satz von Anmeldeinformationen, um Zugang zu diesen Informationen zu erhalten. Zum Glück sind diese Tage lange vorbei und Sie können nun eine Liste aller Ihrer Investitionen (Aktien, Fonds, Anleihen, etc.), aktuelle Kassenbestände und Positionen (in CAD und USD), Gesamt-Eigenkapital, Kaufkraft und mehr alle innerhalb eines Lage. Die Handelsgeschichte wird für 36 Monate gepflegt, während eStatements, die monatlich erstellt wurden, für 7 Jahre gespeichert werden. Steuerbelege (z. B. T3, T5, T5008) sind auch für jedes Jahr elektronisch verfügbar. Trade Confirmations Statements Konto Aktivität Obwohl Questrade8217s Handelsbestätigungen Datenbank behauptet, Trading-Daten aus dem 1. Januar 2009 zu tragen, haben wir festgestellt, dass die Aktivität vor dem 4. Februar 2011 erfordert, dass Mitglieder die alte Penson-Website besuchen. Und dass die Interessenten ihre alten 6-stelligen Quest-Account haben müssen, weil die Penson-Website nichts über die vorhandenen 10-stelligen Kontodarstellungen weiß. Hier ist ein kurzer Blick auf das, was die Penson Trade Activity Site aussieht. Trade Activity (bis Februar 2011) Wie oben erwähnt, ist diese Penson-Website nur für bestehende Questrade-Mitglieder relevant, die vor Februar 2011 auf archivierte Handelsaktivitäten zugreifen möchten. Alle neuen Mitglieder können ignorieren, was ich gerade gesagt habe und zum nächsten Absatz überspringen. Aber für diejenigen, die sich für Questrade8217s Chronologie Geschichte 8212 wie bemerkt und visuell gesehen über 8212 Handel Aktivität ausgelagert wurde und als solche der erste spürbare Unterschied war, dass die Web-UI war völlig anders und sehr hinter in der Zeit. Zu der Zeit war es immer noch sehr überraschend, dass mit dem Geschick und der Wunsch von Questrade, eine saubere und freundliche UI Erfahrung auf ihrer Hauptweb-Domain anzubieten, dass sie es nicht nötig machten, das Bargeld zu pannen, um diese Kontoaktivitäten zu unterhalten Hatte die Motivation, Web-Service-APIs von Penson anzufordern, die ihnen freien Lauf zur Haut über die ursprüngliche Penson-Erfahrung geben. Obwohl die Details in Penson waren umfangreich war es unübersichtlich und verwirrend. Die Handels - und Abrechnungsdatumsbestimmungen dauerten 24 Stunden, um sich in der Geschichte zu reflektieren, das gleiche gilt für die Kaufkraft, die einmal zu Beginn eines jeden Tages aktualisiert wurde. Das Beste, was in diesem alten Penson-Gelände gefunden wurde, ist nun in Questrade-Plattformen integriert, die später diskutiert wurden. Die Worter-Margin-Konten (für Aktienverstärkungsoptionen) bestehen aus zwei Teilkonten 8212 für kanadische Fonds, die anderen für US-Fonds. Dies ist sehr praktisch, da es unnötige Umwandlungskosten beim Handel von US-Instrumenten reduziert. Also, Transaktionen auf U. S. Equity bleibt als USD im Gegensatz zu den meisten anderen Brokerfirmen, die Conversions wieder in CAD sofort ausführen wird. Zum Beispiel, mit Questrade Sachen wie U. S. Dividendeneinkommen von U. S. gehandelten Aktien bleiben als USD und werden automatisch in Ihrem U. S. Unterkonto hinterlegt. Fonds können zwischen Unterkonten mit Questrade8217s Exchange Funds Feature verschoben werden, aber nur beachten Sie, dass dies eine Umwandlung auf der Grundlage der Kassakurs am Ende des Marktes in Toronto plus eine Spread-Gebühr (1,99 für beide Marge und registrierte Konten, wenn insgesamt Eigenkapital übersteigt 100K dies fällt auf 1,70 für Marge und 1,00 für registrierte). Ein besserer Ansatz für die Umwandlung zwischen USDCAD wäre jedoch, die Norbert8217s Gambit-Technik zu verwenden, weil es praktisch eliminiert Währungsumrechnungsgebühren (es geht um die Verwendung von Tickern DLR. TO, DLR. U.TO und Journaling über Ihre Bestände zum einen oder anderen) . Questrade ermutigt das Viewingdownloadingprinting der vorherigen Monatsanweisungen (als pdf-Dateien), die im Quest487s Client-Portal für alle Kontoaktivitäten kostenlos zur Verfügung gestellt werden. Jedoch für diejenigen, die immer noch auf geschickten Papieraussagen bestehen, können sie dies in einer kräftigen 20-Anweisung tun, die angefordert werden kann, indem sie sie direkt per Telefon oder durch Live-Hilfe kontaktiert. Und als handliche Note wird die Shareholder-Kommunikation oftmals durch normale Post verschickt. Durch den Einsatz des kostenlosen InvestorDelivery Service können Sie alle Ihre Anleger Korrespondenz elektronisch, wenn Sie es wünschen. Trading Platforms Und so beginnt eine neue Ära in Trading-Plattformen für Questrade. Denn so lange wir uns erinnern können, warte Questrade mit ihren fähigen, aber alternden Plattformen: QuestraderWEB, QuestraderELITE und QuestraderPRO. Obwohl die QuestraderWEB erheblich renoviert worden war, waren alle drei schon seit über 10 Jahren in der Wildnis. Sie alle haben sich ganz gut in ihrem eigenen Recht, aber hatte nicht mit der Zeit, wie es offensichtlich war mit den Angeboten bei anderen Discount-Maklerhäusern. Questrade markierte ein neues Kapitel mit der Einführung der Quest Question IQ. Questrade hat eine Menge Arbeit hinter den Kulissen gemacht, um ihre Investor8217s Handelserfahrung zu überarbeiten. Als sie ein ganz neues Layout für das Quest-Account-Client-Portal veröffentlichten, konnte man doch helfen, Kopf zu kratzen und zu fragen, warum ihre Handelsplattformen nie die gleiche Behandlung erhalten haben. Nun, die Antwort ist vielleicht klarer: sie wurden auch aktualisiert 8212 es hat sie nur eine Weile gedauert. Die Epiphanie war sich bewusst, dass mit drei separaten Desktop-Handelsplattformen verwirrend war und so entschieden sie sich, alle drei zugunsten einer einzigen, moderneren Handelsplattform, die als Questrade IQ bekannt war, zurückzuziehen. Questrade IQ ist eine Suite bestehend aus drei Geschmacksrichtungen: Questrade Trading. Eine voll funktionsfähige Web-basierte Handelsplattform (für WindowsMacsLinux Benutzer auf Google Chrome 52, Firefox 48, Safari 9 für Mac Benutzer, Internet Explorer 11, Microsoft Edge) Questrade IQ Edge. Eine stromlinienförmige Desktop-basierte Handelsplattform (für Windows 78.110, MacOS 10) und Questrade IQ Mobile. Ihr erster Mobilfunkanbieter im Bereich des Handels (für iPhoneiPod Touch iOS 6 und Android OS 4.1). Diese ganze Kollektion ist für alle Mitglieder kostenlos und beinhaltet Snap-Zitat live CanadianU. S. Streaming Level 1 Daten, Forschungsinstrumente für grundlegende und technische Analyse, ein Charting-Paket und vieles mehr. Manchmal können Marktdaten verzögert werden (bis zu 15 Minuten) und wenn dies geschieht, wird eine niedliche Uhr-Symbol auf dem Bildschirm angezeigt, um euch von dem Streaming-Hang-up zu informieren. Und obwohl es kostenlos zur Verfügung gestellt wird, können diese Plattformen um eine von drei Datenpaketen erweitert werden oder agrave la carte feeds hinzufügen. Jetzt sehen wir mal jede dieser einzigartigen Plattformen näher und was sie zu bieten haben. Questrade Trades Questrade IQ Edge Questrade IQ Mobile Questrade Trading ist eine Plugin-freie Web-Access-Plattform, die auf HTML5 aufgebaut ist und auf fast jedem Gerät zugänglich ist. Es ist craftily in das Quest Question Account integriert und ist über die Trade-Taste in der oberen Menüleiste erreichbar. Es kann sogar eingerichtet werden, um Ihre Heimatbasis zu sein, wenn Sie sich anmelden. Questrade Trading ist sehr feature-packed und dient als die primäre Gateway-Plattform für die meisten Benutzer gesamte Handelserfahrung. Es dient auch als Antwort von Questrade8217s für diejenigen, die aus irgendeinem Grund keinen Zugriff auf (oder mit IQ Mobile oder IQ Edge kompatibel) haben. Dies wäre die perfekte Wahl für Linux-Desktop-Nutzer oder die ständig wachsende Präsenz von Tablet-Carriern. Weil es eine vollständig kompatible HTML5 Browser-basierte reaktionsfähige Erfahrung ist, im Gegensatz zu den anderen, ist es nicht erforderlich, dass ein Download oder ein Drittanbieter-Add-On voll funktionsfähig ist. Ein Spin mit dieser Plattform war eine unglaublich befreiende Erfahrung 8212 eine ausgezeichnete Verschmelzung von Macht und Usability. Es stellt das Konzept der Gadgets in das Plattform-Lexikon vor. Ein Gadget ist ein anpassungsfähiges benutzerdefiniertes Fenster eines Blickes in Ihre Handelsmarkendetails. Gadgets beinhalten, sind aber nicht beschränkt auf: Aktivität (ein Log-Viewer), Guthaben, Zeit und Verkauf (aktuelle globale Aktivität eines Bestandes), Level 1 Zitate, Level 2 Zitate (wenn Sie für diesen Zusatz bezahlt haben), News, Orders, Charts, Positionsübersicht und Watchlist. Questrade Trading war überraschend blitzschnell und reagierte in jedem Webbrowser, den wir getestet haben. Speicher und CPU-Footprint-Nutzung war erstaunlich klein, trotz der Tiefe der Optionen, Aktivität und Funktionalität hatte es zu bieten. Sessions don8217t scheinen keine Inaktivitätszeit zu haben. Ein nettes Bonus-Feature dieser Plattform war in der Lage, eine Handelsaufgabe auf einem Gerät (z. B. einem Heim-PC) zu starten und dann mühelos auf ein anderes Gerät (z. B. Smartphone oder Tablet) zu verschieben, um es zu vervollständigen. Dies ist eine unschätzbare kleine Ergänzung, weil es erlauben kann, sorgfältig konstruieren langwierige Trading-Verfahren, während die Freizügigkeit während beschäftigt Zeitpläne. Im Gegensatz zu seinem IQ Edge Cousin, kann jedoch Questrade Trading nicht ändern, seine Farbe Thema Aussehen 8212 it8217s immer in einem Licht Thema. Auf der Plus-Seite aber werden alle benutzerdefinierten Änderungen, die Sie an das Layout machen, automatisch gespeichert und wiederhergestellt, wenn Sie verlassen und zur Plattform zurückkehren. Bemerkenswerte Unterschiede zwischen dieser Plattform und dem Rest der Familie gehören der Mangel an Multi-Bein-Option Bestellungen, keine Alarme, noch Arbeitsbereiche amp Hitze Karten. Wenn du schaust, um eine oder mehrere dieser fehlenden Features zu benutzen, dann solltest du stattdessen für IQ Edge entscheiden. Layout 8211 Trading Platform Balances 8211 Trading Platform Aktivität 8211 Trading Platform Questrade IQ Edge ist der große Junge dieser Suite. Es kommt nur als install-basierte native PC (oder Mac) Desktop-Anwendung speziell für aktive und Pro Trader entwickelt. IQ Edge ermöglicht eine unbegrenzte Anzahl an Arbeitsräumen (Questrade Trading erlaubt nur einen). Ein Arbeitsbereich ist ein Bildschirmbereich, der es ermöglicht, einen neuen Satz von Gadgets oder Fenstern für einen bestimmten Zweck zu öffnen und anzupassen, der zu einem Trading-Umgebungsstil passt. Mehrere leicht zugängliche Arbeitsbereiche sind ein wertvolles Gut für aktive Händler. Der andere große Unterschied zwischen IQ Edge und Questrade Trading ist, dass IQ Edge eine erweiterte Platte von Optionen für Auftragseingaben bietet: bedingte Aufträge (zB Triggeraufträge zu einem bestimmten Zeitpunkt, Preis oder Volumen automatisch), Klammeraufträge, umfangreichere Alarme, Mehrere Auftragseingabefenster, Benachrichtigungs-E-Mails, wenn etwas gekauft oder verkauft wird, und die Möglichkeit, anonym zu bestellen. Es gibt auch einige subtile Unterschiede. IQ Edge ermöglicht umfangreiche Gadget-Anpassungen, die sie weit über das hinausgehen, was in Questrade Trading möglich ist. Allerdings sind die meisten dieser anpassbaren Features visuell (z. B. Float, Pin, Drag-Drop, Größe, colourize, blink Text) es hängt vom Gadget ab. Neugierig, Gadgets don8217t haben eine Snap-to-Funktion in IQ Edge und so dass sie nicht automatisch arrangieren, wenn das Haupt-Anwendungsfenster verkleinert. Es war ein bisschen unbequem, aber kein Deal Breaker, weil die meisten Leute nur ihre Gadgets an einem bestimmten Ort positionieren und das Anwendungsfenster auf einer festgelegten Größe pflegen. Interessanterweise wird jede Gadget-Anpassung, die Sie in IQ Edge machen, nicht auf Questrade Trading übertragen (vorausgesetzt, dass das gleiche Gadget existiert) und umgekehrt. Jedoch werden Tickersymbole und verwandte Daten innerhalb von Gadgets (z. B. Warnungen) ordnungsgemäß beibehalten und übertragen sich zwischen Webdesktop-Umgebungen. IQ Edge Farbthemen reichen von dunkel (Standard), Licht und Himmel blau. Eine zusätzliche Allure von IQ Edge ist, dass es einem Trader den Sinn für Komfort, die ihre Plattform8217s Handel Aktivität wird nicht verzögert werden oder erleben Schluckauf, wie es der Fall wäre, wenn mit einem Web-Browser. IQ Edge wurde von Grund auf mit optimiertem C-Code geschrieben und für IntelAMD-Prozessoren eingesetzt, die die schnellsten Antworten für die meisten hart von aktiven Händlern sicherstellen. Leider gibt es zum Zeitpunkt dieses Schreibens keine 64-Bit-Version für IQ Edge auf dem PC. Für Macs ist es nativ 64-bit. Es läuft immer noch auf 64-Bit-Windows-Systemen, es wird einfach nur so effizient laufen wie es sein könnte. Hier8217s hofft man, dass in naher Zukunft eine optimierte 64-Bit-Windows-Version von IQ Edge zur Verfügung gestellt wird. Layout 8211 IQ Edge Charts 8211 IQ Edge Order Entry 8211 IQ Edge Und jetzt verlagern wir unsere Aufmerksamkeit auf Questrades andere wichtige Plattform: Questrade IQ Mobile 8212 ihre ganz einfache, sehr fähige mobile Handelsplattform. Jederzeit zu jeder Zeit, diese App ist für iOS (iPhone und iPad) und Android-Geräte aus ihren jeweiligen App-Läden. Questrade hatte ursprünglich geplant, eine ähnliche Version für Windows Phone und Blackberry zu veröffentlichen, aber verständlicherweise wurde aufgrund ihrer abnehmenden Markthare die Idee spät im Entwicklungszyklus geschrubbt. Als solche müssen diese Geräte ihre Browser-basierte Alternative verwenden: Questrade Trading. Wir haben festgestellt, dass IQ Mobile8217s Feature-Set ist fast identisch mit ihrer Quest Questing Trading-Plattform, mit integrierten visuellen Tweaks besser auf tragbare Geräte Bedienbarkeit. It8217s alle hier, einschließlich Forschungs-Tools, Charts, Optionen Handel und Level 2 Daten. Sie können sogar Kontoverwaltungsaktionen direkt innerhalb der App durchführen. Das visuelle Layout und die Organisation von Features ist sehr gut durchdacht. Wir konnten die App mit extremer Leichtigkeit navigieren und nutzen. Obwohl sie bequem ein interaktives Hilfswerkzeug in der App anbieten, fanden wir, dass es wenig nötig war, weil alles nur Sinn machte. Nach der Nutzung dieser Plattform für mehrere Tage it8217s klar zu uns Questrade zielt darauf ab, IQ Mobile als Feature-reich wie IQ Edge im Laufe der Zeit zu machen. Es gibt keine Frage, dass dies eine integrale Komponente für Questrade ist, und ganz wahrscheinlich ist die wichtigste dieser gesamten Suite in Bezug auf langfristiges Wachstum, da die meisten Menschen weiterhin auf ihre Telefone (und andere tragbare Geräte) als ihre suchen Primäre Drehscheibe zu den Märkten. So sicher, dass dies mit überglücklichen Lächeln von aktiven Händlern begrüßt wird, die sehnsüchtig gewesen sind, um mehr voll von ihren IQ Edge Desktops zu lösen. Auf dem Sprung ist hier zu bleiben, so dass es nur logisch sinnvoll ist, dass Questrade ihren Trend fortsetzen wird, mehr Edge-ähnliche Whiz-Bang-Funktionalität in IQ Mobile zu integrieren und sicherlich weit über das Web-basierte Geschwister hinaus zu drängen. Die Hoffnung ist jedoch, dass Questrade sorgfältig diese Mobilität durch die Aufrechterhaltung der App8217s einzigartige benutzerfreundliche Intuitivität, um Massenreiz zu gewährleisten, während immer noch mehr Raffinesse, um ihre aktive Trading-Bevölkerung glücklich zu halten und zur gleichen Zeit, Pflege einer neuen Generation von On the go Investoren, die nun Zugang zu einem wachsenden Werkzeugsatz von fortgeschrittenen Fähigkeiten haben, da ihr Vertrauen und ihre Portfolios wachsen. Zitat 8211 IQ Mobile Optionen 8211 IQ Mobile Level 2 Daten 8211 IQ Mobile Unbestreitbar ist diese neue Trading-Plattform-Suite ein Riesensprung in die richtige Richtung für Questrade. Die Kollektion umfasst alles, was QuestraderWEB, QuestraderPRO und QuestraderELITE (ihre jetzt verstorbenen älteren Handelsplattformen) hatte und einige. Und diese Suite tut dies in der intuitivsten und umfassendsten Weise. Mit dem mutigen Schritt, um ihre älteren Plattformen zurückzuziehen, indem sie sie mit einer agilen Trainerumgebung der nächsten Generation vertreiben, ist ein Zeichen dafür, dass sich Questrade sehr darum kümmert, die beste Erfahrung für den Casual Trader und den anspruchsvollen aktiven Benutzer zu bieten. Interestingly, upon further investigation we found that new releases for this suite is always consistent and swift 8212 a major new release occurs every month 8212 bringing with it a slew of enhancements and bug fixes, based on direct user feedback of their online community discussion forum: The Exchange . A few other unique features which I am surprised other brokerages have not yet duplicated is, firstly, the clever partnerships Questrade has with third party websites (e. g. iShares ETFs) 8212 providing one-click Buy Now buttons across the web 8212 permitting on the fly quick trades that whisk the buyer back into the IQ platform to complete the pre-filled order ticket. And secondly, a feature called Margin Power (for self-directed accounts) which, by its name, gives you a clue on at what it does. By linking your existing TFSA account to your margin account it increases your buying power within your margin account by leveraging the assets you already hold in your TFSA making it enormously convenient to enter new positions without requiring a transfer of new cash or selling existing securities. Both features are wonderfully handy The long requested single sign-on feature is now available for Questrade members. You now use one user ID and password to access the trading platform, Questrade Account, and the Exchange. This saves a tremendous amount of time because in the past Questrade had originally required at least three different sign-on credentials to access each of their trading landscapes, and so to no surprise this was a heavily requested feature. We welcome its addition. To get a better feel of what Questrade IQ has to offer here is a collection of video tutorials overviewing this trading platform8217s most common features. Videos 8211 Trading Platform Videos 8211 IQ Edge Videos 8211 IQ Mobile Although we briefly mentioned in passing their older predecessor platforms, to give you a better sense of who Questrade is and how much they8217ve improved, what follows are images of their previous generation trading platforms. Prior to IQ, Questrade offered a few other trading platforms for stocks and options: QuestraderWEB, QuestraderPRO, and QuestraderELITE. QuestraderWEB was their web-based application with a very pretty and intuitive user interface. It was Questrade8217s only free platform and required the Java plugin within your browser to function correctly. QuestraderPRO and QuestraderELITE were desktop applications requiring a monthly subscription fee. QuestraderWEB QuestraderPRO ELITE A little note on exchange and ECN fees. These are the fees Questrade is forced to charge you when you make a transaction that removes liquidity from the market (i. e. buying at the ask or selling at the bid). Although these fees translate to mere pennies for most traders one can avoid paying them altogether by executing transactions as a limit (or stop) order at the bidask instead of as a market order request. For U. S. stocks you can also send orders to non-direct access ECN networks (LAMP, MNGD, or POST) to avoid these fees. Most people will sign-up for the standard marginal account which gives you access to borrow funds at an amount more than your current cash balance. This extended buying power ability is very useful and can come in handy when you need to jump on market opportunities. Assuming you8217ve bought on margin and haven8217t settled your stocks after 3 days of the purchase the margin interest rate is prime 2.5 which is inline with most brokerages. One of the selling points Questrade likes to bring up is that for mutual funds they will rebate the trailer fees. They call this their Mutual Fund Maximizer. Trailer fees are commissions by fund management companies paid to your brokerage house for being the retailer that sold you your fund(s). This commission is an ongoing source of revenue for your brokerage as long as you keep holding onto those fund(s). You don8217t see this fee because it is part of the MER of the fund. So Questrade is willing to rebate this fee back to you each quarter. But there8217s a catch. You need a minimum of 36,000 in mutual fund holdings to be eligible for this rebate. The reasoning is simple. There is a processing fee of 29.95month so the rebates will start paying back if your mutual fund holdings is worth more than 36,000 (based on a 1 trailer fee). Portfolio IQ (Managed Investing) Self-directed investment empowerment (aka DIY trading) is offered by virtually all discount brokerages and has been a popular preference by the general public due to the myriad of easy-to-use tools and support made available to an investor desiring to control every aspect of their interests. With this style of investing customers have always been able to sculpt their own investment strategy, define their portfolio, buy and sell securities, and more. However, there is another option. For those with very little time while continuing to carry big investment ambitions Questrade introduced Portfolio IQ, the alternative to self-directed investing. Really known as managed investing, Portfolio IQ takes away the stress of investment decision making and puts them in the hands of portfolio managers of their Questrade Wealth Management division. Who doesn8217t want to take it easy and watch their money grow towards financial independence with little effort It8217s a dream come true The difficult part with that dream is figuring out how exactly to do that. This is where Portfolio IQ comes to the rescue. Becoming Canada8217s first online wealth management service, Portfolio IQ debuted as a definitive market disrupter by making managed investing accessible to everyone. Traditionally, managed investing has been an exclusive club for the uber-rich but Questrade, keeping to its roots of bringing all things restrictive to the masses, decided to do away with convention. Opening a Portfolio IQ account is straight-forward and only requires 1. As an extra bonus, this review8217s Questrade offer code can also be used when opening this type of account. Once open you8217re taken through a simple-to-use point-and-click questionnaire to set up an investor biography that identifies your risk tolerance, existing financial circumstances, market knowledge, and investment ambitions all of which is used to better crystallize the best portfolio for you. What8217s also great is that if your goals change then you can return and adjust your bio to keep things in balance, which will automatically update your underlying portfolio model accordingly. All the portfolios deal exclusively in ETFs (composed of a mix of various sectors, markets, and countries) and come in 5 flavors: With the added benefit of taking full advantage of tax-loss harvesting and providing a last quarter management fee refund guarantee if not fully satisfied for any reason, Portfolio IQ is an extraordinary entrant into the managed investing arena and has that perfect resonating mix all investors, big and small, crave when they daydream of an unshackled financial tomorrow. IPO Centre Participating in initial public offerings (IPO), secondary issues (additional sharesbonds offered by a public company), and structured products has always been the holy grail for many investors since the incredible euphoric frenzy of the 1990s internet IPO boom. Historically, because first issues usually tick up on first day closings it8217s logically understandable why so many want in 8212 it8217s a quick way to make an easy buck However, due to the natural laws of supply and demand interest in these new issues almost always outstrip the quantity made available and therefore only insiders, well-connected bigwigs, and the very rich are usually the only ones who have access to them nepotism and cronyism at its undemocratic finest. For generations the general public has had little access to IPOs. There was a brief moment in time when Wit Capital, an internet startup of the 90s, briefly unlocked this secret world, but it was short-lived. Questrade became one of the new Canadian trailblazers to usher in a sledgehammer back into this world for the masses. The Questrade IPO Centre, showcasing mostly Canadian equity, fixed income, and structured products, list newly available issues and previous offerings (for historic analysis). Their respective facts, investor summary, terms, and preliminary prospectus are also readily accessible. For instant notification of newly announced IPOs and secondary issues clients are encouraged to subscribe to the IPO Bulletin. Independent testing revealed that notifications were indeed right away. The centre is reachable on the desktoplaptops. smartphones, and tablets. When you see an IPO or other new issue you like, it8217s a simple click, tap, or a trade desk call away to express interest. An expression of interest makes Questrade aware you are putting in a commitment to buy a number of shares. However, this does not guarantee you will actually get any or all of the shares you8217ve requested. If a client places an expression of interest on the website, the trade desk will contact the client to confirm the order within an hour (rare cases may take up to 24 hours). There is a 5,000 minimum requested amount for submitting an IPO order. Some companies going public may even ask for an amount over and above this, but the majority of the time it won8217t be above the 5,000 Questrade minimum. Once the order is confirmed Questrade passes along the interest to the offering8217s underwriter. Although not possible right now, soon clients will be able to submit their expression of interest through the trading platform to reduce wait time and eliminate the need for a Questrade representative call-back to confirm the order. Cancelling an interest request can be made within two business days (this may vary depending on the province) after receipt or deemed receipt of a prospectus and any amendment (found at the online centre). All IPO and secondary offering purchases are commission free. Processing time for orders can vary but usually it takes around 3 weeks from when the underwriters first launch the IPO and when the offering closes. For some secondary offerings and preferred treasury shares times can be shorter. Once allocations from the underwriter are received Questrade informs clients via email or phone. Allocations, however, may be distributed on a pro-rata basis if an IPO is oversubscribed (the number of shares requested by all interested parties is greater than what Questrade received), and so, as mentioned earlier your original interest amount may not necessarily materialize to what you actually get. For example if Questrade receives a 50 allocation on their total order amount, they would then allocate 50 to their client8217s original order. Although the IPO Centre mostly has Canadian offerings, U. S. IPOs do show up from time-to-time as well. It8217s because of Canadian security regulations that U. S. and other foreign-based companies must file their prospectus in each province individually in order to be sold to residents of that particular province. Because many companies in the United States may feel that doing an IPO in Canada could be an added expense (e. g. listing fees, legal fees, French language requirements) and that domestic demand in the U. S. is enough to satisfy how much capital they want to raise, it8217s only logical that most offerings will be Canadian by nature. Interestingly, many international miningresource companies will choose to file a prospectus and raise money within Canada, and choose to be listed here as well. TSX has a very large mining focus in general. Registered accounts (e. g. RRSP, TFSA) are also eligible to hold the vast majority of IPOs and treasury offerings. However, some IPOs may not be eligible due to their companyoffering structure and how widely held it is. The centre is a very welcome sight and seems well positioned to grow into something incredibly special. Sadly, no word yet if and when Questrade will be issuing their very own company IPO When making trades one of the primary concerns held by most people is security. Like banks, most discount brokerage companies deploy different protection strategies to secure your account such as randomizing security questions, displaying pre-selected image captchas that only the account holder would know, two-step and two-factor verification, or even providing digital key devices which in conjunction with your secret password must be pressed to generate the final half of the login passcode each time. Questrade8217s security measures have improved dramatically over the years. For example, upon sign-up for a new account you are required to create a user ID, password, and set up a few security questions. User ID8217s are required to be 8-20 characters long while passwords must be at least 8 characters in length and include an uppercase, lowercase, and numerical (or symbolic) character. Although this seems like a standard approach across the web this is actually new and a big improvement for Questrade. They also now include extra verification steps such as when you attempt to log in to your account from an unrecognized system you are prompted with one of your security questions. An optional PIN can also be setup to help you get faster service when calling in. Security advice is made available outlining how to protect yourself by taking precautionary steps like using anti-virus software to keep your computer clean. Interestingly, they have made the extra effort by partnering with Symantec, using Norton Anti-virus to continuously scanmonitor their own internal files, ensuring your investments and privacy on their end are secure. Questrade was also one of the few discount brokerage firms that were not affected by the Heart Bleed Bug 8212 they were protected all this time. Although they don8217t have security guarantees against intruders breaching accounts on your end, if there is fraudulent activity and it8217s proven to be due to the negligence of Questrade they are in a position to cover your loss. Also note that Questrade is a CIPF member, and so Canadian investors are covered up to 1,000,000. Final Thoughts Reviews online are overwhelming negative towards Questrade. Prior to writing this review I decided to read many of these complaints so that I could be aware of and keep an eye out for any of these problems. I even took note on exact steps for some of these problems with hopes of recreating them. I had originally planned to share a collection of these complaints but seeing as how many of them might have already been resolved by Questrade I felt the company deserved another look before passing judgment. So after spending a number of days using their entire suite of online tools, making trades, and attempting to recreate customer complaints I can report back and say that I did not experience a single issue. My conclusion is that either Questrade had fixed several of these earlier problems or these complaints were from beginning traders who were not familiar with the platform nor company policies. Overall my experience with Questrade was a very pleasant one. Their 8220killer app8221, so to speak, is free (no commission charge) ETFs (Exchange Traded Funds) and that one can execute trades as low as 1cent per share (4.95 minimum) with no catch. It doesn8217t get any sweeter than that In rare instances I sometimes come across other brokerages offering promotionals at 4.95trade but when you dig deeper into their fine print it almost unequivocally is for 8220big fish8221 traders who must spend upwards of 100,000month in trading activity to be eligible for the 4.95 offer. Clearly not for the average consumer. Obviously this is not the case with Questrade. Questrade8217s low commission rate is so good it serves as an enticer to make more trades more often and not have to hesitate by attempting to time the market in hopes of covering commission costs. I am happy to see Questrade has made many brilliant enhancements over the years including, but not limited to, a unified single sign-on approach that provides a more consistent milieu. There are a few areas that can be improved such as full gadget settings retention across different trading platforms, but with such dramatic savings found among all their services it seems understandable that one can8217t always have everything. So I will give them a pass on that. Should you join Yes 8212 a resounding YES Questrade offers a remarkably rich tapestry of features well tailored for new investors and seasoned traders. For someone like me, as a casual trader, who has experienced headaches with other brokerage firms it8217s nice to finally find a good home at Questrade who doesn8217t play games nor charge exorbitant fees. Questrade fits my needs perfectly and helps unlock my potential as a growing investor. And at the end of the day isn8217t this what we really hope a respectable brokerage firm provides us Use Offer Code: Canada to receive 50 in Free Trades from Questrade when signing up for a new account. How to Invest in Kenyan Stocks Feature photo by Mutua Matheka Back in June, we looked at ways to invest on the Johannesburg Stock Exchange through US discount brokers. Some intrepid readers may now be wondering how to buy shares on Africa8217s smaller stock markets. Samuel Gichohi is a Senior Research Analyst at NIC Securities. a division of Kenyas NIC Bank (NICB:KN ). He generously agreed to help us navigate the process of opening a Kenyan brokerage account and to share his views on the best bargains currently on offer at the Nairobi Stock Exchange. The Nairobi Stock Exchange hasn8217t been a great performer the past few years. Why should investors be investing in Kenya now Samuel Gichohi: The Nairobi Stock Exchange (NSE) is currently a buyers market which presents foreign investors with massive bargain opportunities. This situation is a result of various factors that have converged to push stock prices to levels that are out of whack with the fundamentals on the ground. These factors include a weakening currency (which has finally begun to stabilize), escalating fuel prices, a surge in local liquidity prompted by heavy bank lending to the private sector, and food inflation caused by the regions persistent drought. The situation was further compounded by increased political uncertainty due to the MENA crisis and the trials at the Hague of individuals suspected of instigating violence in Kenya following the 2007 election. As a result, despite healthy turnover levels, stock prices have suffered over the last six months. Only 13 out of 48 active stocks trade above their year-end levels. But financial results for the 2010 fiscal year indicate that listed firms 8212 especially the financial sector companies enjoyed explosive bottom line growth. This trend continued in the first and second quarter of this year, which indicates that economic growth is still on course. Considering that a majority of stocks currently trade at PE ratios below their respective sector PE ratios, and that 15 of the 29 largest-cap companies offer dividend yields above 3, there is an obvious mismatch between stock prices and company fundamentals. This is bound to correct going forward. In my view, the NSE is an ideal frontier market. It offers foreign investors exposure to the Kenyan economy, and 8212 because many listed firms have expanded beyond Kenyas borders 8212 it also serves as an entry point to the regional economy. In the short term, foreign investors can capitalize by investing in the weak shilling and seek exit points as it strengthens against the US dollar. Lets suppose I am a US-based investor and want to buy shares of a Kenyan stock. How would I do so Can you walk me through the account-opening process SG: The investor would need to open an account with a local stockbroker who will in turn open a Central Depository and Settlement Corporation (CDSC) account for them. The CDSC account is where all tradable shares are held electronically. Account opening forms are typically available on stockbrokers websites. The potential investor would first fill the forms and attach scanned copies of a recent passport-size photo, a certified copy of their drivers license or passport, and a certified copy of a tax return or utility bill. After the broker receives the documentation the investors account will be activated and details will be communicated to them within one business day. At NIC, we suggest that the documents be scanned and emailed to us. The originals can follow later. How would I, as a US-based investor, place a buy or sell order through NIC Securities Do I just send you an email SG: If the investor would like to place buy and sell orders by email, they can complete the email indemnity form and submit a one-off processing fee of KES200 (USD 2.30). Otherwise, the investor can communicate their order to us and arrangements can be made to accommodate them as long as adequate security measures to facilitate proper identification are in place. What expenses are incurred when trading Kenyan stocks Can you give me a breakdown of the commission and fees SG: The Capital Markets Authority (CMA) regulated commissions for trades below KES100,000 (USD1,111) is 2.1 and 1.85 for trades above that amount. At NIC, lower commissions are negotiable depending on deal sizes. Do most Kenyan brokers have minimum amounts required to open a trading account To place a trade SG: At NIC Securities, opening a CDSC account is free and the minimum trade size is 100 shares of any counter. We, however, pride ourselves on having the capacity to handle very large trade sizes with very low turnaround times. How are dividends delivered to foreign investors Can they be deposited into my trading account SG: Dividends cannot be deposited into a trading account. This is a market regulation. However, dividends can be deposited directly into the clients bank account and arrangements can be made to reinvest the funds from there. Must an investor have a Kenyan bank account to collect dividends Or can they be wired to a US bank account SG: When opening a CDSC account the investor is required to indicate their dividend disposal preference which could also be to have the money wired to their foreign account. The concern for the investor would be that they would have to bear the cost for the electronic funds transfer. Having a local holding account to allow the dividends to accumulate before being wired to the foreign account would be a good idea. Most local banks have dollar denominated accounts and these can also be used to hold the dividends to take advantage of currency fluctuations. What sort of account reporting can an investor expect to receive Do brokers send a monthly statement of my cash and stock holdings SG: Brokers provide periodic and on demand statements which show the securities that an investor holds with that particular broker at any point in time. Total portfolio holdings (which can be held through more than one broker) will be sent via email to the investor by the CDSC every six months for dormant accounts, and at the end of any month in which there is any trading activity on the account. A couple Kenyan stockbrokers failed recently, are there now safeguards in place to protect investors and prevent similar events from happening again SG: A number of market reforms have taken place recently in an effort to protect investors funds. They have resulted in the introduction of an automated trading system, more stringent capitalization and disclosure requirements, the adoption of a standard stockbrokerage platform, and the eventual demutualization of the NSE. The minimum capitalization requirement has resulted in most of the smaller brokerage firms being acquired by banks. Investment banks which have not reached the KES250 Million capital threshold have been relegated to stock brokerage status, which requires a minimum capitalization of KES50 million. The government plans to increase the investor compensation fund and investors are being educated on how to identify and report fraudulent behavior. What is your favorite Kenyan stock right now SG: I have three favorites. First is Scangroup (SCAN:KN ). It is East Africas largest advertising holding company with an 80 market share. It faces no local competition, which enhances its ability to attract and retain the regions best talent. Being a listed company means it can also retain its top employees through stock options. In a human-capital intensive field such as advertising, this is extremely important. The companys 2010 results were affected by costs related to its acquisition of Ogilvy East Africa, a former competitor. We expect the merger to result in cost advantages going forward. Were also bullish on the company because competition in East Africas banking and telecoms industries is heating up. This will ensure higher ad-spends and thus more revenues for Scangroup. We expect annual profit growth north of 20 this year. It currently sells at a PE of 20, but we consider it undervalued because of growth opportunities. My second pick is Equity Bank (EQBNK:KN ). It is the fastest-growing bank in Kenya and boasts a market share of deposits that has grown from 1.7 in 2005 to 6.2 in 2009. The deposit growth has been driven by branch expansion 8212 particularly in Kenyas rural areas and by mobile phone banking. Equity Bank caters primarily to the SME and lower income segment with most loans being below KES100,000. This banking the unbanked model has yielded impressive results, evidenced by deposit growth of 44 during the first half of this year. Equity has also done an admirable job at containing costs and maintaining the quality of its loan book. Both of these factors should lead to improved margins. Finally, for the income investor, I like KenolKobil (KNOC:KN ), a downstream oil marketer with a skillful and motivated management team. The company is focused on growing its storage capacity and distributional efficiencies, which is imperative for survival in the Sub-Saharan African fuel-marketing industry. As competition increases and margins decline, the company will be able to take advantage of its scale economies. I also like that it is well diversified both geographically and in terms of its product range. The company has a heavy presence with over 400 service stations in East and Central Africa as well as Southern Africa. All this is backed by the additional effect of increasing property prices that could lead to significant profits when the company disposes of some of its non-core assets. The company is currently selling at a historical PE of 10 and a half-year dividend yield of 5. At the current price, the full year dividend yield will be approximately 10 with profit growth, and a dividend pay-out ratio of 40-45, the company is a cash cow. Do you have questions on how to invest on the Nairobi Stock Exchange If you do, share them in the comments. Want to Learn More Subscribe to our mailing list (it8217s free), and you8217ll join over 4600 other investors who get each new article delivered straight to their inbox. Samuel Gichohi says Hi Jalas Thanks for your query. As a minor you can invest on the NSE just like any other investor. Your parents or guardians will however be required to initiate any activity on the account until you reach the age of 19 years. the account will be opened as a joint account between the minor and the parentguardian. the minor will be required to provide a birth certificate and passport photo while the parentguardian will be required to meet all the KYC requirements by providing Certified copies of PassportID, Pin Certificate, Utility bill and Photo. they will also be required to sign the GTC and email indemnity forms to facilitate account opening and transactions. What is your take on Olympia Capital Holdings (OCH). It looks pretty cheap at Ksh. 3. I was thinking that since the housing market is at its peak, they might be selling lots of tiles. Khalid aluweny says I see a lot questions from people wanting to start investing and wondering how to go about it I think first you need to decide what sort of investor you want to be i. e. a)Defensivepassive or b) enterprisingactive. In simple terms you need to decide whether or not you have capacity and can put considerable effort (e. g. at least 6 hours a week) and intelligence to the task. This decision would be reflected in how you divide up your portfolio between shares and say, cash or bonds etc8230 Defensive investors use conservative methods, go for important, big, financially robust and entrenched companies8230 Enterprising investors are virtually free to search for value wherever they can find it and use more aggressive methods. Naturally the enterprising investor requires a higher return for his intelligent effort. Read Intelligent Investor for more on this perspective on investing. Then you simply need to understand the businesses you invest in and treat your operations for profit as a traditional businessman would 8211 be sure of a profit before you go in absent promises or prospects and this goes to the price you pay. Research as much you can about the business, management, competitors, customers, etc looking for items that may impair future business, competitive advantages, etc. I would personally discourage non-professionals from selecting individual companies and instead focus on group buys e. g. look for say 15-30 companies selling for less than their working capital net of total liabilities with conservative capital structures and of stable character. Alternatively, just go for high dividend yield and high asset backing for the shares. Excellent comment, Ray. If you8217re going to invest heavily in individual stocks, take the time to get to know that company8217s operations intimately. If you are unable to commit the time and energy to this, it is best to diversify across a large number of stocks (preferably through an index fund) and hold them for the long-term. I just opened my CDSC account last month with equity bank online and must say your article and the comments thread along it has been of greatest help and encouragement . I started with a little capital and I can see myself putting more funds in the near future into the whole business. Currently am trading 8220penny stock8221 and am doing good. Tomorrow 29th Monday June 2015 am offloading Mumias sugar shares hoping it will be not less than Ksh.2.5share, I bought the shares at 1.65 share earlier in the month. for 12800 shares, I would have made some good cash there. Thanks for your article. Ryan Hoover says Glad to hear it, Smada Congrats on the Mumias gain. Be careful with penny stocks, however, as they can also move quickly in the wrong direction. How was the account opening process at Equity Bank Online Would you recommend them to other investors Berbetto Nyamwamu says From your short post, it is difficult to establish the exact issue on which you would like to receive advice. Generally though, trading on the stock market involves high risk and potentially high returns. A trader with the right information and analysis is likely to perform better than another who gambles his way about the market. One8217s portfolio size, willingness and ability to take risks, liquidity, time horizon and other circumstances will also play a role in determining one8217s optimal mix of shares. Write to Ashanti Research (you can find our contacts online via a Google search) and we would be happy to give advice, or even better, set up a stock portfolio up for you. yuri james kihato says Mr livigu share trading is adouble edged sword or fire it can hurt or help you the trick is always to gather inteligence before investing also learn to exit and enter at the right moment. statistics like daily turnover, total demand and supply should be in your mind finally no one get experience free of charge take risk but calculated one. Hi Ryan, I8217m Kenyan and looking to get some advice on how to read the market when it comes to short term investments. How do you make a good decision or rather what are the factors to look at or for when investing in the stock exchange I find short-term investing extremely difficult because of the stock market8217s volatility. It8217s nearly impossible to predict with any degree of consistency whether a given stock will be up or down over a period of a week or two. That8217s why I tend to look for good companies trading at a fair price and hold on to them for a year or more. This gives the management of the business enough time to execute on their strategy and for the market to recognize their success (or failure). How do you spot a company trading at a fair price One rule of thumb is to look at a companies annualized earnings growth rate over the past five years. If this rate is higher than the stock8217s PE ratio, you may have identified a bargain. But don8217t stop there. Research the company further. What8217s the reason it might be trading so cheaply If you can8217t find a reason and you feel like you understand how the business operates, buy the stock and give it some time to run. Happy investing Ryan Hello, Ryan. I can see you give good stock exchange tips. Do you happen to know which companies will show good sales this fall Or should I ask my broker I would like to know from real clients who are spending their money and who have had success. Is investing for a 5-year period something that someone can rely on or is it a matter of gambling with the period I8217d like to know more about how these things work. I have invested in some shares right now, and I am just not sure what if I should be looking to buy something else. Regards, Adhis Just curious if you knew whether dividends can be automatically reinvested in those respective stock holdings rather than having to get paid out into a checking account or wired to a foreign bank account Matt Avery says That8217s great to hear, Jack. First, you will want to make sure that you invest only money that you do not need for the next five years or so. Before investing in the market, save up an emergency fund that can cover six months of living expenses in case you lose your job or have an unforeseen expense like a medical bill. Then pay off any high-interest debts you may owe. When you have done all this, then you can consider investing in the market. Find a reputable broker, like the ones listed in this article, and open an account. After that, invest only in companies that you know and understand. Buy them at good prices and hold on to them until the prices look expensive. Hope this helps get you started All the best to you, Ryan Would you be kind enough to listrecommend some of the more reputable brokers in the NSE, preferably those who support online access and those with timely responses to customer inquiries. I think if the NSE actively encouraged the stockbrokers to engage the diaspora community the weekly trading volumes could be improved tremendously not to mention the capital that would be available to the listed companies. A lot more definitely needs to be done and discussions like these definitely need to be had. Direct market access by Kenyan citizens in the U. S through a US stockbroker like. etrade, tdameritrade or optionsexpress would definitely help inject the volume, capital and buoyancy that would catapult the NSE to greater heights that would lead to more institutional investors. Perhaps the NSE should engage some of the US brokers. A huge chunk of the kshs. 45billion(YTD 2013) funnelled by the diaspora could now become part of the NSE trading activity. I am a university student in Kenya and interested in trading on the stock market. What is the minimum amount I need to start, specifically with NIC. Thanks in advance, Benson Samuel can correct me if this has changed, but NIC does not require a minimum amount to open an account. Each trade, however, must be for a minimum of 100 shares. So, depending on the company you are interested in, you will likely need to invest at least Ksh300 and perhaps as much as Ksh50,000 if you wish to purchase a share like Limuru Tea, which is currently priced at Ksh490.00 per share. Happy investing Ryan I can only say thank you to Ryan, Simon and all those who asked questions. Almost all my questions if not all have been answered. I am more knowledgeable now, though I know I still have a lot to learn. I am also a studentbeginner looking to invest in the NSE and I must say this article has been of great help. Thanks, Mike. I8217m glad to hear it. Keep us posted on your investing adventures Francis Kabui says Hello, Is it possible for me in Kenya to have an account with a stockbroker in the United States Would you have a list of the stockbrokers to contact in the US, and what is the minimum amount required for investing I think your best bet is Interactive Brokers. I8217m not certain they accept Kenyan clients, but they do accept some other foreign citizens. The minimum to open an account is 10,000, unless you are younger than age 26, in which case the minimum is 3,000. All the best, Ryan Francis Kabui says Thanks for the info. Specifically, I8217m looking to make investments in the US based on recommendations in an online publication from the US (Daily Wealth) that I8217ve been following for a while now, which is why I8217m looking for a stockbroker in the US. Scottrade is your best online broker that accepts international accounts. Minimum to open an account is 500. Fees per trade are 7 per trade for stocks trading above 1. Otherwise penny stock fees are 7 plus 5 of the overall purchase for stocks trading for less than 1. FYI8230you can use the 500 to purchase stocks. If you are a beginner, do not open a margin account. A margin account allows one to short stocks and the minimum to open a margin account is 25,000. Since you want to make money when stocks go up, you need to open the regular account for 500. Scottrade has inter-banking wire transfers, so once you sell your shares, they can wire the money directly to your account. You can also buy more shares using wire transfers. If you are looking for cheap stocks with potential, look at stocks in the mobile and gaming industries, even though they are mostly cyclical. i. e, their share prices spike only after the 4th quater results are out. exaples include GLUU, MCZ, etc. for long term stocks with potential, look at NOK and TRQ. You may need to learn ratios like EPS amp PE to help you determine whether a stock is overvalued or undervalued. You only make money with undervalued stock because of potential to go up. Great info, Edward. Do you know whether Scottrade will open a trading account for a Kenyan citizen who does not reside in the US I get a lot of questions from foreign investors wanting to invest on the NYSE and Nasdaq. Scottrade has always had trading accounts for foreign nationals who are not U. S. residents. However, there are numerous paperwork that must be filled out for tax purposes and for prevention of money laundering. All these paperwork is available online at scottrade. I will do a detailed research on the entire process and paperwork required, and will post the info here. Hi Ryan, that was very educative. Exactly what i was looking for and am happy i bumped into it. The thing is, am an outgoing student and would like to invest long term. Which companies can you recommend And say i was to open an CDSC account with NIC, would i still have to worry about the companies they invest my money in or would it be completely up to them Please reply8230 Francis Kabui says Hello, So far I have not been successful in my search for a US stockbroker. While Scottrade do not cater for my geographical area (yet), Interactive Brokers require their clients to have a level of investor expertise I8217m yet to attain (I8217m just starting out in the world of investors). Any other suggestions you might have for US stockbrokers I could contact are very welcome. captain kuto says I have just started trading NSE stocks online through DBIB. However, there seems some hidden charges I cant comprehend, like today, I placed an order of 100 of Longhorn publishers at 15.95. The order value thus, was 1,595, a brokerage fee of 28.39 and Tr. Charges of 6.10. This would bring the total charges to KES 1,629.49. Yet the total I was charged for that order was KES 2,129.495 which is 500.005 excess of the expected charges. What could be the reason My experience: Very interesting experience. Last month I made a call to them asking how I could start trading using their platform. They told me to open an account and pay a monthly Kshs. 100 account maintenance fee up and above the brokerage and transaction fees Could they have charged you Kshs. 500 for the period to December I strongly advise you visit or give them a call. Happy trading Thank you for a great website, Ryan I8217m a European wanting to invest in the NSE. Which broker should I choose I would appreciate a working online platform and high quality market information. Does anyone have any recommendations Dyer and Blair also has an online trading platform: dyerandblair I haven8217t seen research from either of these brokers recently, but I am impressed with the research that I receive from Kestrel Capital and Old Mutual Kenya. Neither of them offer online trading, however, as far as I8217m aware. Thank you for the reply, Ryan I8217m in the process of opening an account SBG. However, it turns out I need a Kenyan bank account for dividend disposal if I don8217t want them sending checks via post. This has turned out to be problematic because, for example, CFC Stanbic requires me to be in Kenya in person in order to open an account. Any recommendations for a banking service provider I had written them to inquire on how to go about it. actually today and the only hinderance is that im not in Kenya. Any recommendations highly apprecited8230.. I am a Kenyan stock day trader based in the US. Meine Frage ist das. Where are we in implementing the online stock trading in Kenya where traders can actually enter there own buy and sell orders at the click of a button without having to contact their broker. If this is implemented, this will bring in a lot of liquidity in the market and thus offer more opportunities due to the price movements. I missed the above comment. I think it answers my question. But if you would like to add a comment, please feel free. I would like to know the process of starting online trading in kenya. Hello Ryan, Thank you for informative analysis. I have gained enough skills through your post and am planning to visit my stock broker. Am thinking of buying KPLC shares they are currently do expansions and moving into more reliable and cheap mode of electricity generation also keeping in mind the PE ratio on 10 unloved Kenyan Stocks. Keep up the Good work. God bless Regards, Enock hi Ryan8230 I am a student planning to get high motivation on Kenya investments. it will be my wish to buy the kplc shares. I will really appreciate if you advice me. Danke. Ryan Hoover says It8217s great that you8217ve already developed an interest in investing. Before you do, I would advise that you save an emergency fund equal to approximately six months of your living expenses. Deposit this emergency fund in a savings account that pays interest at a higher rate than inflation. After this, I suggest that you pay off any high-interest debt that you have. This is a guaranteed way to get a return on your money, and it will allow you to save more quickly in the future. If you8217ve completed both of these, then it8217s time to begin thinking about opening a share trading account with a stock broker. You can follow the steps in the article above. KPLC is a nice stock to start with. It pays a healthy dividend and should benefit from all of the new power plants that are adding electricity to the grid. Hope this helps and keep us posted on your progress Ryan Hi Ryan i am in the process of opening a brokerage account in Kenya but am unable to open a bank account (for dividends) as I am a foreigner. Do you have any suggestions please Hallo Sir Thank you for the info on investing in stocks. As a youth I believe I can now start investing in stocks by following your advice always. The gov8217t has floated the idea of introducing capital gains tax, so please explain to me how this might affect me as an investor. Please also assist with the twitter and facebook accounts. Thank you and once again good job. Zedekiah Odhiambo Great question, Zeddy. As I understand it, the Kenyan government has approved a capital gains tax of 5. What does this mean to you as an investor Well, suppose you bought a stock at a price of 100 shillings per share. Over the next year, the price of the share increases to 120 shillings per share. If you decide to sell the shares at that time, your capital gain would be 20 shillings per share (Ksh120 8211 Ksh100 Ksh20). This capital gain will be taxed at a rate of 5 (Ksh20 x 5 Ksh1). So, after capital gains tax, the return on your investment is Ksh19 per share (Ksh20 8211 Ksh1 Ksh19). Hope this helps and happy investing Following Zeddy8217s question, what are the other tax implications for foreigners investing in the NSE. For instance, I know dividends and interest bearing accounts are taxed at 10 for local investors. Do foreigners investing in NSE attract different tax rates. Also, do they need to lodge an annual tax return with KRA I may be wrong, but my understanding is that the withholding tax on dividends and interest income is 5 for Kenyan residents andor citizens of the East African Community. Everyone else is taxed at 10. Because it is a withholding tax, non-Kenyans do not need to file a tax return with the KRA. I8217m not sure how common this is outside the USA, but American citizens can avoid double taxation of their Kenyan investment income through use of the Foreign Tax Credit. The amount paid in Kenyan withholding tax can be used to reduce taxes owed to the IRS. Hope this helps and thanks for the great questions Thanks alot that was very helpful. Now let me start scouting for a broker and start investing. Bye I8217M a student involved in a competition running for four months with a capital of 5 million. Please advice on which shares to purchase in such a short period for me to earn the highest portfolio. Is it advisable to place bondsShould I buy shares from the day8217s gainers or losersShould I buy the cheapest shares or those with high pricesWhat maximum share should I buy in each company selling sharesWhat are the figures in the NSE data should I check to decide on which company to invest in Ngetich Peter says Hi, am a Kenyan citizen and would like to start investing in NSE what is the minimum amount that I have to start with for my investment, that is in Kenyan shillings reply plz thenx Ryan Hoover says Great to hear that you8217re considering investing in Kenyan stocks. As far as I know, most Kenyan brokers do not require a minimum amount to begin investing, but many will require that you purchase at least 100 shares of stock per transaction. Therefore if the stock is trading at Ksh15.00 per share, you will need Ksh1500 plus commissions and fees to execute the transaction. Commissions and fees are 2.1 of the total trade amount. So, in our example, KShs1500 x 2.1 Kshs 31.50. What a conversation Ryan This is incredible. You have opened my eyes. I now look at the world with economic lenses. I have learned so much from this conversation. I hope you are still keyed in because I will be back for more. Ryan Hoover says Thanks, Nelson We8217ve got a fantastic group of readers. I8217m glad you8217re one of them, and hope that you8217ll stay tuned for new articles coming soon. Thanks for sharing your knowledge and expertise on Africa Stock Markets. I am new to this and I was just wondering what the difference would be opening an account with KCB versus say SBG or Dyer and Blair. Is there any advantage that one would enjoy Hi Ryan, I am 17 and from Saudi Arabia. I live with my parents and I have 5300USD in Savings and I wish to invest those in the Nairobi Securities Exchange ESPECIALLY IN Media and Advertisement stocks. So I wish that you guide me on where and how to do so. I wish that the method be online so it be easier for me to access the trades. Thanks Please which stock broking orm can i use to buy kenyan stocks online. Masimba Ndiraire says Hie. I hope I find well. what are the exact documents required for one to open CDSS account in Nairobi Kenya. I am a Zimbabwean staying in Zimbabwe I had opened an CDS account with suntra investments through KCB. Now i want to trade actively online through your bank. In mobile app, an app for my tablet and my PC. What do i need to do and if i was to open another cds account what do i need How safe is the online platform and if I am only trading and money remaining in my trading account including dividends is there a risk of my capital decreasing due to govt taxes Hi Ryan, kindly guide me on how to calculate my profit gained from trading shares. Thanks Ryan Hoover says Good question. The formula is: (selling price dividends) 8211 (purchase price commissions) profit You should write and article catering for questions arising from citizens of Kenya. What is the minimum number of shares I have to buy when I am investing in any quoted company at NSE Kenya. Ryan Hoover says You must purchase at least 100 shares when buying and selling stock in Kenya. P. S. Good idea about the article for Kenya investors. In the meantime, feel free to post questions here, and I will respond as best I can I am interested to know all about the stock market..please help me to understand it and profit from it..please helpHow to Solve the Common Samsung Galaxy Note 3 Problems BY yuki November 9th, 2013 147 6 Samsung Galaxy Note 3 phablet currently has faced several technical issues since it has been released on September, 2013. Some Galaxy Note 3 users reported they come across the regional lock for the smartphone, while other problems like reboot loop, handwriting bug, sluggishness, Wifi disconnection and Google play also annoyed many Note 3 owners. Here we walk you through the main Galaxy Note 3 problems followed the related solutions. Hope it can help you fix the problems you met on Note 3. Problem 1: How to Disable Regional Lock for Galaxy Note 3 When customers purchase a new Note 3 in Europe, such as Germany without contract deal, they usually find it is hard to activate the new Note 3 in another region, like the United States. Many people shared their feedbacks that they have suffered from the Galaxy Note 339s region-locking. Their SIMs from specific regions seem to be locked and show unapproved or incompatibility to the new phone. How to solve the regional lock problem for Galaxy Note 3 You can activate the Note 3 from the place where you purchase the smartphone before using it. If you forget to release the region lock at oversea, you also can follow our tutorial on how to unlock SIMs or solve the region lock for Galaxy Note 3 to solve the Note 3 locking problem step by step. Problem 2: How to Solve Samsung Galaxy Note 3 Reboot Loop Problem Plenty of Samsung Galaxy Note 3 users said on XDA-Developers forum that their devices occasionally enter a boot loop. Some reported their Note 3 would reboot while charging, plugging in or installing apps from the Play Store. However, the reboot loop problem is not really solved after a hard reset. The issue might be caused by the inserted micro SD cards, the apps installed on the handset or the antenna. because switching the device to Flight mode can be helpful in most cases. When your Galaxy Note 3 units experience the troublesome random reboot loop, you can remove the back cover and take out the battery. Then follow the steps below to uncheck the option Always allow scanning to handle the continuous reboot problem. Pull out the SD card gt Insert the Battery gt Reboot the device gt Go to Menu gt System Setting gt Wi-Fi gt Menu gt Advanced gtUncheck Always allow scanning gt Use the back key to return to the home page gt Power off the Note 3 gt Insert the SD card gt Install the battery gt Replace the Note 3 rear cover gt Turn on the device Many people have managed to handle the Note 339s reboot loop issue by following this troubleshooting. Problem 3: How to Repair a Broken Galaxy Note 3 It happens to many people that they drop their devices from time to time. It is easy to break the screen when dropping even though it is a Corning Gorilla glass, and other parts of the device might got broken too. In this case you may have to repair you phone. We suggest you make a DIY repair for your device. You may need these Galaxy Note 3 replacement parts for repair and you can watch this Galaxy Note 3 disassembly video for reference. Problem 4: How to Solve the Samsung Galaxy Note 3 Google Play Problem Recently, Galaxy Note 3 Google Play problem has frustrated many users, for they failed to download applications to their device from the Google Play Store. They encountered various error notices when they installed or updated applications. The errors range from the failure to download apps, general server problems all the way to the Google Play Error: Error retrieving information from server. RPC: S-5: AEC-0. How to fix the Google Play problem for Note 3 Please check the following related solution. Step by step remove the Google account used for your Galaxy Note 3. Go to Settings gt Accounts gt Google Accounts gt Remove gt Agree on the warning gt Close Settings gt Tap the Play Store and agree to the terms and conditions gt Tap Existing Google Account gt Sign in your login details. Please note Start syncing your Google Account once downloads is working normally to restore the phone apps before it was removed. Problem 5: How to Fix Battery Drain Issue for Galaxy Note 3 Smartphone39s rapid drain battery is always to be blamed in the world, and the Galaxy Note 339s battery is no exception. Even though Samsung has applied 3200 mAH battery as well as the Super AMOLED screen display to the Galaxy Note 3, the smartphone is unable to last up to a whole day. To better save your Note 339s battery capacity, you can try the following Note 3 tips and tricks. Switch auto-syncing setting to manual Disable all features you are not using, such as Wi-Fi, GPS, Bluetooth, NFC, etc. Turn on the Power Saving model on Note 3 Disable all running apps when you don39t use them Lower screen brightness to a low level Reduce your Note 3 screen timeout duration. Problem 6: How to Deal with Note 3 Wi-Fi Networking Connection Issue People always get annoyed when they suffer from the troublesome Wi-Fi networking connection problem. Reports from Android Central, Androidforums and XDA-Developers forums presented the Wi-Fi connection issue has plagued many Galaxy Note 3 users. They said their Note 3 constantly disconnected and then reconnected to Wi-Fi. When your Note 3 experienced lots of trouble in holding on to the Wi-Fi connection, you can try the following solution. Go to Setting gt Wi-Fi gt Advanced gt Uncheck Automatic Switching Between WIFI Networks And Mobile Networks If the above-mentioned tip can39t fix your Wi-Fi issue, you can try this one: Typing 0011 on the phone dialer gt Enter a hidden menu gtSelect Menu gt Wi-Fi Setting gt Turn off Wi-Fi Power Save Mode (Note: Reboot the phone then go back into 0011 gt Wi-Fi to confirm the Wi-Fi Power Save is OFF) Problem 7: How to Fix Note 3 Handwritten Bug Issue Some Galaxy Note 3 owners reported the handwritten bug problem with the S Pen on forums. They said they wrote words with S Pen in the enabled handwritten box showed on the screen, but found nothing in the input field. It can be caused by the Note 339s smartphone technical problem. To permanently deal with the problem, there is no other solution but to return the device to the retailer for replacement. Problem 8: How to Solve Galaxy Note 3 Lag Issue Some Note 3 users complained that they were impatient with the slow speed for the new device. Although Samsung has tried to improve the performance for Galaxy Note 3, the device also faces the common lag problem on most other smartphones. The Galaxy Note 3 is likely to slow down if you activate too many features and apps, so follow the steps to increase the speed of your device. When you are encountering the sluggishness and find your Galaxy Note 3 lagged, make sure you have shut down all features or apps you dont use at that time. Close applications tapping the Back key Deactivate all features you are not using Free up memory by turning off running applications Disable auto-syncing when you dont need it If you have met other Samsung Galaxy Note 3 problems rather than the above mentioned, leave your comments. Well do our utmost to help you. August 26, 2014 at 8:59 am 0 Dear all, I8217ve Note 3 and since after the Update it keeps forgetting the wifi connections. I8217ve to re-enter the passwords of my home work or any other place. I did factory reset it but it didn8217t help. It is still under warranty but they need to keep it for 2 days only for the diagnostic test. Does anybody have an information about it 8230. August 19, 2014 at 12:29 pm 0 Hi guys I have another problem for the loooong list here I am trying to change the sms tone on my Note 3 I do exactly what they say to do and I still cant get it to change. My son also has a Note 3 and he cant get his to change from the default tone either 8230any suggestions apart from going back to Iphone. August 19, 2014 at 5:41 am 0 i have a Samsung Note 3, the problem is when i get a missed call it will not allow any more calls to come through until i have deleted the missed call, also the signal will drop when this happens but come back as soon as i have deleted the missed call, is there a fix to this problem August 11, 2014 at 10:40 am 0 I have a problem with downloading When I download sth such as a picture or music or8230 it tells me download is completed.. But the problem is here I cant find the thing for about 2 or 3 days After some day the thing appears Its very important to fix this problem with galaxy note3 Can you help me friends July 24, 2014 at 9:56 am 0 I have a note three, my battery is being consumed by mm-qcamera-daemon. I talked to Samsung about this and they told me they have never heard of it. they had my wipe the cache clean. this worked for a day but it was back the next day. has anyone else expereinced this July 10, 2014 at 5:27 am 0 Hi there. Every time I8217m on a call, my ears or my big head seem to push buttons and do all sorts of bad things. Sometimes pushes end call or mute or put on hold. The screen doesn8217t go black when I8217m on a call. It8217s really driving me crazy. Any suggestions please8217 June 18, 2014 at 1:26 am 0 Have seen every problem imaginable except mine8230lol You know when you call someone and the automated system answers and say press 1 for Well I push it and the system doesn8217t recognize that I have push anything. I try over and over and I can hear the sound that I8217m pushing the but still not recognized. Please someone HELP June 12, 2014 at 6:23 am 0 My Note 3 became unstable one week ago. I just forgot to recharge it and its battery was totally exhausted in the next morning. After recharged and booted, its lower half of the screen has become unresponsive with finger although Pen still works as usual. It means, I have to use Pen whenever I want to access to icons lying within the lower half of the screen. How can I fix it Thank you. April 29, 2014 at 3:48 pm 0 Well I8217ve seen just about every conceivable problem on this thread8230 Except for mine. So here8217s a new one for you all. Any help would be appreciated. My Note 3 will just randomly stop receiving calls or texts. I8217m told from callers that it will ring once then go right to voice mail. When they try back it just rings and rings8230 No voice mail. While I get nothing on my end. This is the second Note 3 I8217ve had. ATampT replaced the first one for the same issue. I8217m running it stock (no root) with Nova launcher. Not using any apps that I didn8217t have on my Note 2 so8230. Anyone I8217ve got to find a solution as I never know or can tell when it8217s happening. A reboot fixes it, but not until I figure out I8217m missing calls. Bad deal April 29, 2014 at 1:51 am 0 My gallary photos are all Grey screened and you can8217t view the pictures anymore. My battery dies before 3pm everyday I have the same wifi problem and a lot of the other similar problems as all listed above. I was so excited to switch to switch to this phone after having an I phone, turns out I really miss my I phone. This phone is horrible, I think samsung should recall this phone. They really didnt work outvall the bugs in this phone. If you are thinking of purchasing this phone DON8217T do it. I have bought Samsung note 3 3 months back and it was working as a good phone I ever used. Now a days the bottom left key menu is opening itself while using some other functions. Since I am unlocking the screen the issue is starting.. Kindly help me to fix it. i have the Sprint Note and its less than a month old, when I make call it just stays in the dialing mode after a while it says call lost. I also can8217t send or receive texts. When I do receive texts they are delayed for at least 5-6 hours. My data however is perfect at 4GLTE. I need help this is so frustrating. March 29, 2014 at 2:30 am 0 Got my Note 3 (SM-N900) yesterday. Got the restart problem. it just restarts when it likes to. i tried the Uncheck Always allow scanning option but no go, i even removed my SIM and SD card and still it reboots. even factory resethard reset and also Wipe cache and wipe data but nada8230 I also read about Google play updating a app that also causes the boot loop so i turned off Google play, still reboots when it likes to. It has KitKat on it. i took it to the shop and they will be giving me a new one next week. Does anyone have a stable Note 3 with KitKat on it I would like to know the Baseband version and build number ( Settings8211gt About) maybe that could help. i had PDA: N900UBUDNB2 CSC: N900UUBDNB2 MODEM: N900UBUDNA1 Do the Note 3 now come standard with KitKat i wish i can find one with 4.3 i read that those were stable March 28, 2014 at 1:08 am 0 Note 3 starting to freeze have to reboot often. but biggest complaint right now is once i use the S pen in text i can8217t go back to key board. even on restart it is stuck on s pen input. it allows me to put in symbols or smiley faces but no keyboard for text letters available no matter what I do. Hope there is a fix for this. 8216 just to let samsung know as well, my wifi is so unreliable i can8217t use it even at home where signal strenth is strong it cuts out. I can only use my provider data. March 27, 2014 at 1:24 pm 0 The problem I8217m needing help with is the email badge is not responding to new emails. If I delete the accounts and start over, it works for awhile and stops again. I8217m using 2 company emails and yahoo. Never had this problem with Note 2. Everything is stock. March 25, 2014 at 11:25 pm 0 I have the problem of when I take pictures sometimes they are all gray or have a gray stripe across the picture. It doesn8217t happen all the time but enough to be frustrating. I have several pictures on my phone now of important moments but is nothing but a gray square on the phone. March 25, 2014 at 3:03 pm 0 When I get a text or a facebook notification, I can8217t open it through the drop down screen. When I get an email, I can open it through the drop down screen, but not texts and facebook. Anybody have a clue on what to do Thanks. March 25, 2014 at 5:24 am 0 Likewise, my phone hangs every now and then ever since i set it to password lock screen. Not forgetting, it auto restarts at least twice each day. Added to it, there is a weird beeping sound and it does not go off until I silent the phone. Anyone with me sighs March 25, 2014 at 4:58 am 0 I am having N 900 samsung note 3 model, I am trying to delete a google account. As per above instruction, tried from settings, but Accounts option itself is disabled or not working. I have tried lots of things, but not getting worked out. If anybody can, Pls help Thanks for sharing the common problems with Note 3. I purchased a Note 3 8 days ago, and so far I noticed that my phone does not switch from Wifi to Mobile Data very well, even though have been enabled. Sometimes it does and most of the time it doesn8217t. Any idea what the issue is February 13, 2014 at 2:00 pm 0 I have the Note 3 N900a (Atampt version bought out right running with Net10 Atampt simple card) and a 30gb ad card). A couple weeks back the touch screen stopped working in essence turning my phone into an expensive brick. Had it not been for the S pen I would have been done. The two buttons (back and menu) at the bottom still worked. Since it is an Atampt phone I took it to a local retailer. The first question was 8221 were you out in the cold and how long if yes8221 the she realized the bottom 2 buttons worked. Apparently these screens are known for having low tolerance for cols temps and can be permanently damaged. she tried taking the battery out to reboot like I did to no avail. I left and went home removed all apps I downloaded, no help. I backed up everything and did a factory reset. Still didn8217t work. Mind you all this with my S pen because screen would not recognize my fingers. Then I called Samsung and they were confused after many attempts to resolve. Wanted me to send phone in for service. To this point I had rebooted, taken the battery out, uninstalled all the Apps I installed, done a factory reset. Now I was getting ready to pack and ship to Samsung. I removed my memory card and Net10 sim card. I put the sim card in to make one last call to realize the screen was now responding to my finger. I called Samsung to cancel the service repair order and the screen has been working fine ever since. I don8217t know what it was that fixed it. It may have been one thing or a combination of all. My guess would be something with the SD andor sim card. My 8216new8217 Note-3 8211 love it. Only issue 8211 switching between Wi-Fi and Mobile-data is not smooth. I have tried everything. turned-off automatic switching. used your 0011 trick 8211 still an issue. Wondering when will Samsung fix this nuisance BY Ruzdi Farouk April 15, 2014 at 9:13 pm I also have same problem with my newly bought note 3.it works with WiFi but when I switch to mobile data it does not connect as the configuration applied for the internet subscription is not accepted by this phone. December 13, 2013 at 4:33 am 0 My wifi reception is horrible it toggles between 3G 4G and wifi as you described above but when I tried dialing that number it doesn8217t work, 8220the number you have reached cannot be dialed8221 I turned off the automatic switching option, I8217ll let you know how that works December 12, 2013 at 6:47 pm 3 I8217ve had my Note 3 for 2 months and I8217m ready to toss it out the window while on the freeway. It keeps dropping calls, and I mean 3 or 4 times per conversation, multiple times per day, in random places where I should have no problem with signal. I look at it and the signal bar pyramid goes completely gray. But it will still say 4G LTE. Also, it will freeze up and I can8217t press anything. I can8217t even restart, because it doesn8217t accept any screen touches. Sometimes this will go away in a few minutes and I can restart the phone, but sometimes it takes a half hour or more. Finally, I keep getting a notification with an icon of a solid-colored white badge that says Prevention information. When you look at the message it says, An application has been forced to stop for an unauthorized attempt to access system in your device.8221 But I don8217t have any apps that are not from the Play store. When I check in with Lookout, it doesn8217t show any problems. I8217m feeling a lot like I bought a 700 piece of crap. Any help would be appreciated. September 7, 2014 at 3:54 am i just got the note 3 and i get that same message82308230.also i cant connect to my home WIFI8230its WEP protected March 8, 2014 at 6:59 pm I have a similar problem with my Note 3. On a daily basis i have to restart my Samsung. I password protected my Samsung 8211 entering the pwd is iften a pain, for each letter it takes sth like half a minute. After a restart it works for a couple of hours before the problem starts all over again. Killing apps does not help 8211 there must be sth additional running in the background killing the phone April 19, 2014 at 8:07 am I just got my note 3 from the company, and have encountered what you described. I cannot even type in the passwod on the screen. It just will not recognize it. Any solutions you have found.
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