Q: RE: 2025-03-07: Geographic - Diversification - For now, we would still favour the US, with a general suggested 50%, 30%, 20% (USA, CAN, INT). International could be 10% to 20% depending on the investor.

I'm currently converting my 25 stock portfolio to just two Balanced All-In-One ETFs: XBAL and AOM. I've determined the GEO distribution is: XBAL (45%, 25%, 29%) and AOM (62%, 3%, 34%). A mix of XBAL and AOM will leave my portfolio with ~ 30% International exposure -higher than 5i suggests above.

I googled this to try to figure out why these Balanced All-In-One funds have 'higher' international exposure:

"J.P. Morgan Asset Management’s Long-Term Capital Market Assumptions suggest developed international stocks may produce better annual returns than U.S. equities over the next 10 to 15 years. The expected difference is about 1.4% annually – specifically, 8.1% for EAFE stocks (Europe, Australasia, Far East) versus 6.7% for U.S. stocks."


Your comments on this difference in international exposure would be most appreciated. Thank you.

Q: Hello 5i,

Could you recommend 3 ETFS that you would consider for a 70 years old retiree. My portfolio is currently 95% in Equities both in Dividend ETFS (VDY, ZEB, XEI and XDIV and individual shares (ENB, RY, TELUS, and BMO.)

Thank You,

Q: Up to this point I have been a growth investor. Recently retired, I am converting some RRSP into a RIF and want to lower the risk profile. I am 60 y/o.

Kindly advise some ETFs that you would recommend in Canada or US.

Thanks a lot,