I collect the dividends and hold in cash for buying opportunities.  RY up 41.5% , TD up 28.5%, BNS up 44%, all since Jan - Apr 2016. (plus dividends).  It took me a long time to figure this out, had investments in money loosing mutual fund for too long.   Will accumulate cash for the time-being and wait for the next dip.  The whiners here need to get educated, we are lucky to have a strong banking system in Canada.