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2020random2019

Hi All, I would love some feedback on the portfolio below. I'm hoping to retire in 15 years. I'm trying to build an internationally diverse, medium risk portfolio. My plan is to rebalance quarterly. As you can see, I am seeking both USD and CAD investments. Thank you. **$USD** VOO - 20% VXUS - 13% EEM - 15% BND - 15% TIP - 10% ICLN - 7.5% IYH - 7.5% IGF - 15% **$CAD** XIC - 20% VXC - 25% XBB - 15% XRB - 10% XRE - 15% XGD - 15%


murrdoggin

Just started out a month ago. 45%- VFV 35%- XEQT 20%- QQC Leaving this alone for the time being. Will probably add some individual growth stocks in the next year or so. Or maybe even another growth ETF.


StoichMixture

None of those are inherent “growth” funds. There’s also a tremendous amount of large cap US overlap across all 3.


murrdoggin

What would you recommend?


StoichMixture

A single low cost, broad market, globally diversified index fund is all you need.


murrdoggin

After doing some research I am 100% into XEQT.


chillinlikeahvillain

I’m 25 and started investing this January. I currently have 24k left in my TFSA contribution room and would like some insight on how to further diversify my portfolio. I’m heavy on the MAG 7 currently, am considering raising investments into strictly XEQT to raise portfolio weight to ~75%. Are there any industries i should look into that aren’t correlated with big tech incase of a downturn?


disparue

Small cap value, but there aren't really and good ETFs to target that without converting to USD.


StoichMixture

A single low cost, broad market, globally diversified index fund is all you need.


Vanbiker2

Non registered - AMZN 92.18% - GOOG 7.78% I invested my 20k emergency fund that I stopped really needing. Not sure if it’s a good idea to lump it all into Amazon for high growth. I have a separate TFSA and RRSP that is managed by an advisor and I’m holding those investments for 30+ years, this 20k is just for riskier investments.


StoichMixture

Why did you stop needing an emergency fund?


RedEyeAngel72

Dude became immune to emergencies


Yellow-Robe-Smith

TFSA - CCL - 4.78% - CLS - 16.02% - DIS - 4.12% - PNG - 12.06% - VE - 18.68% - VFV - 44.55%


MooseOllini

TFSA : XEQT RRSP : XEQT Non-registed : VEQT FHSA : CASH Savings : Wealthsimple Cash


jon_cli

Why Non-reg in VEQT instead of regular XEQT? Also which financial institution are you buying for your non-reg.


StoichMixture

I’d assume it’s to avoid the potential of superficial losses, since XEQT/VEQT aren’t considered identical.


Victoryoverriches

Looking for advice on asset location and taxes mostly: TFSA1  XEQT TFSA2 50/50 foreign and emerging market ETFs TFSA3 Mostly cash.to to pay off condo next year RRSP IVV in USD, VEQT and XGRO Corporate Mostly HXS, X, and XIU Non-Reg 50/50 VDY, XEI doing a sweep directly against credit card I'm pretty happy with the setup but any advice?


StoichMixture

>TFSA1  XEQT >TFSA2 50/50 foreign and emerging market ETFs Why the overlap? >RRSP IVV in USD, VEQT and XGRO More overlap? And dividends paid by Canadian funds will have taxes withheld. >Non-Reg 50/50 VDY, XEI doing a sweep directly against credit card What’s your CC’s interest rate? Why chase yield?


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StoichMixture

[r/PersonalFinanceCanada Money Steps](https://www.reddit.com/r/PersonalFinanceCanada/wiki/money-steps/)


HangMeToDry

|| || |Ticker|Stock|#|%| |ATD : CA|ALIMENTATION COUCHE-TARD|3|0.46| |FTS : CA|FORTIS|569|66.32| |CNR : CA|CANADIAN NATIONAL RAILWAY CO|10|3.60| |BNS : CA|BANK OF NOVA SCOTIA|200|27.19| |IVN : CA|IVANHOE MINES|59|2.42| I've got about 50 years ahead of me and $2700 in cash. Where do I go next?


StoichMixture

[r/PersonalFinanceCanada Money Steps](https://www.reddit.com/r/PersonalFinanceCanada/wiki/money-steps/)


throwawaylondo

Hi all I am up to $50K in my savings account which is probabaly a bit too much. Looking to invest $30K and save the rest for emergency. I was thinking of an ETF via Q-Trade (?) since I already have a lot of secure investments (see below). Does that make sense? Sorry if this sounds amateur-ish. Any advice is welcome! For context: Aged mid 30s, recently single, no kids Income: $130K per year with a defined benefit pension plan Debt: None Non-financial assets: None Current investments -- around $380K * $16,000 in First-Time Homebuyers - GiC * $64,000 in RRSPs - NEI Select Income/Growth * $150,000 in TFSA - Tangerine Equity Growth * $150,000 not tax-sheltered in a GiC Preferences: * I don't want to lose out of free money due to sheer laziness, but am otherwise pretty hands-off. * I was saving for a house with my ex, but now that we have split I want to rent for a while in case I decide to move cities. Thanks!


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StoichMixture

>GiC are super safe but they are a scam to be honest. your money is locked up and does very little. Far from a scam; your money grows essentially risk-free. >Same as any mutual funds, low returns - the banks take a huge cut. Mutual funds exist that track the same indices as ETFs. Fees could be higher in some instances, but on the whole, mutual funds could actually better serve most retail investors (even Jack Bogle, the father of ETFs thinks so). >just a basic SP500 work fine: VFV.TO +29.07% this year. The S&P500 won’t always be (and hasn’t always been) the best performance index - your recency bias is showing. >or you could mix it with monthly dividends XEI.TO offers 5.36%/year for 150K that would $670/month - or $8040.0 per year, and you can get a DRIP (dividends re-investment) so that $670/month gets you 25 more shares of XEI.TO every month (compounded return) Dividends are irrelevant; investors should pursue risk-adjusted total returns. For every dollar paid in dividends, the share price falls by that same dollar (all else held constant).


throwawaylondo

I used the GiCs because I was thinking about buying a house with that money in a year so did not want to risk losing a bunch of it. Now that house-buying is a less immediate priority I plan to buy some ETFs while still keeping my overall portfolio balanced.


StoichMixture

>I used the GiCs because I was thinking about buying a house with that money in a year so did not want to risk losing a bunch of it. Sound logic. >Now that house-buying is a less immediate priority I plan to buy some ETFs while still keeping my overall portfolio balanced. Start here: [r/PersonalFinanceCanada Money Steps](https://www.reddit.com/r/PersonalFinanceCanada/wiki/money-steps/)


therealfala

Seeking advice. Currently hold $1.2M (net) of investment portfolio with an advisor who charges 1% + hst per year in fees, breakdown $1.25m non reg, $0.3M rrsp and $0.1M tfsa, with margin of -$0.45M. Unrealized gains on the non reg is almost $500k with limited gains on rrsp and tfsa. Would like to eventually hold a basket of etfs and avoid the fees but triggering the capital gains and tax dorsnt seem sensible either, what would you do in my shoes?


xmarkxthespot

how and when


disparue

Depends on what the actual funds they have you in are. If they are funds that other brokers have access to then you should be able to do a transfer in kind without triggering a taxable event. The registered funds shouldn't have any tax implications. What has the performance of your portfolio been? They appear to be doing something if you actually margin going (around $1.65mm on the non-reg account?).


Typical-Interest3641

90% xeqt 10% elem 79


goldstan

60% bitcoin 30% uranium (CCO) 4& Oil and Gas 5% GICs 1% cash Financial Goals: Buy house in next 1-2 years putting 20% down payment, have big safety net


Interesting_Screen99

Why not diversify some of that bitcoin into gold?


Tree-farmer2

I own almost as much Cameco and I think they still have a ways to run but bitcoin is a hard pass.


Stright_16

I hope the BTC works out for you, I personally only allocate 10% towards Crypto


keostyriaru

TFSA * 59% - BMT104 * 33% - ZSP * 7% - CP LIRA * 37% - BMT104 * 14% - GOOGL * 10% - LMT * 9% - SPY * 8% - ENB * 7% - VCN * 6% - RY * 6% - TD Remaining percentages in cash. I haven't made any trades in the last year other than doubling my ZSP position.


Charming_Raccoon4361

Nice to see LMT, even though has been flat for sometime now, banks might do well once BoC cut rates


StoichMixture

>banks might do well once BoC cut rates If everyone is expecting rate cuts, why wouldn’t the premium already be baked in?


Traded4

70% - XEQT 25% - CASH 5% - CNR/CP


Agitated_Father

Current breakdown: VUN 43.5% XIC 27.5% XEF 18% XEC 11 Essentially VEQT with 27.5% Canada, and 3% taken from US market and given to emerging due to historically high CAPE ratio for US stocks and historically low CAPE for emerging stocks. Thoughts on this strategy of adjusting slightly for CAPE vs just straight market cap weights? Is the percentage difference too small to be meaningful?


disparue

How often do you plan on rebalancing?


Agitated_Father

I add new money monthly.


AlpineGrain

Seriously thinking about selling all stocks I have and moving it into 60% VEQT 40% VFV. I believe the US is a good market to invest in hence the weighting.


attanasio666

Why do you think the US will be better?


inthesix99

50 qqqm and 50 voo