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  5. HBAL: With say $1M in a self-directed portion of a RRSP converted to a RRIF in one year (2025), and two-thirds in CDN$ and one-third in US$ would you see any issues with the CDN$ split between HBAL and V... [Horizons Balanced Asset Allocation ETF]
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Q: With say $1M in a self-directed portion of a RRSP converted to a RRIF in one year (2025), and two-thirds in CDN$ and one-third in US$ would you see any issues with the CDN$ split between HBAL and VBAL and the US$ into VIG? Your thoughts and alternate suggestions please.

Happy Holidays to all at 5i.
Asked by Dan on December 22, 2023
5i Research Answer:

We wouldn't take much issue with a setup like this. The core is a low-cost and well diversified basket and for VIG, we are fans of dividend growth strategies so no major concerns there. Exposure to international markets might be a bit on the low side but we would also not view that as a critical issue, as there still is some international exposure here. 

Authors of this answer, directors, partners and/or officers of 5i Research and/or affiliated companies have a financial or other interest in VIG.

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