Q: Hello 5i,
We have a bit of a conundrum on our fixed low-risk investments for our RRSP’s. We have laddered GIC’s (@5%-5.4%) that expire each year to cover costs + we sell some USD fixed income for vacations. We are running dry on GIC’s and our fixed income (BIL) may have rates reduced. We need to replenish Canadian and USD fixed income as those investments are our safety net in case everything goes for a crap for 1-2 years.
Our standard decision in a lower rate environment is to purchase stocks or ETF’s with decent yields but the market is very high, 5-10 year Treasuries seem to be risky now due to Trumponomics, and our time-line is always short for that strategy.
Our goal is to have a 5% increase per year (thru yield or ETF or stock increase). Do you have a few suggestions?
Thank you
D&J
We have a bit of a conundrum on our fixed low-risk investments for our RRSP’s. We have laddered GIC’s (@5%-5.4%) that expire each year to cover costs + we sell some USD fixed income for vacations. We are running dry on GIC’s and our fixed income (BIL) may have rates reduced. We need to replenish Canadian and USD fixed income as those investments are our safety net in case everything goes for a crap for 1-2 years.
Our standard decision in a lower rate environment is to purchase stocks or ETF’s with decent yields but the market is very high, 5-10 year Treasuries seem to be risky now due to Trumponomics, and our time-line is always short for that strategy.
Our goal is to have a 5% increase per year (thru yield or ETF or stock increase). Do you have a few suggestions?
Thank you
D&J
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Vanguard Conservative ETF Portfolio (VCNS $30.03)
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Vanguard Balanced ETF Portfolio (VBAL $34.54)
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Global X Balanced Asset Allocation ETF (HBAL $16.32)
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Global X Conservative Asset Allocation ETF (HCON $14.09)
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iShares Core Balanced ETF Portfolio (XBAL $31.24)
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BMO Balanced ETF (ZBAL $41.72)
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BMO Conservative ETF (ZCON $35.91)
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iShares Core Conservative Balanced ETF Portfolio (XCNS $24.10)
Q: Seeking an conservative - balanced ETF portfolio of $800,000 new money in Canadian Dollars.
Could I have your opinion and thanks for your service.
Rick
Could I have your opinion and thanks for your service.
Rick
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BMO S&P 500 Index ETF (ZSP $94.70)
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iShares Core S&P/TSX Capped Composite Index ETF (XIC $43.70)
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Vanguard FTSE Developed All Cap ex North America Index ETF (VIU $38.94)
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Vanguard Balanced ETF Portfolio (VBAL $34.54)
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Vanguard Growth ETF Portfolio (VGRO $39.47)
Q: I switched jobs and am looking to convert my pension into a lira. Want to put into a low maintenance type of portfolio of ETFs or one balanced growth etf. What would you recommend I consider for a balanced portfolio with 20+ year horizon.