Q: Hi there, often times the 4% rule is used as a foundation for retirement planning. I believe the original study used US equities and US bonds as the funds to develop the 4% withdrawal rule. Obviously no one has a crystal ball, but what would be your opinion on using as international equity ETF with the 4% rule rather than a US fund such as VFV? If you were make an educated guess, do you believe using funds such as XEQT/VEXT and VAB/XBB instead of US funds would yield similar results as the 4% study over the longterm going forward?

Q: Looking of some growth ETF suggestions for my non-registered account, hold for at least 5 years.

Q: Do you you prefer one of these over the others? Would VEQT would be more efficient in an RSSP as it holds individual stocks rather than ETF's?