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  5. XTR: Could you please indicate a preference between the two and why. [iShares Diversified Monthly Income ETF]
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Q: Could you please indicate a preference between the two and why. Intentions are to hold in a registered account for a long term period 15-20yrs.
Thanks
Asked by Tom on January 26, 2024
5i Research Answer:

VRIF is currently 70% exposed to bonds. Nothing wrong with that, but it makes for a very conservative set up. Over 15+ years, stocks 'should' show higher returns, along with some more volatility. XTR right now is about 50/50 stock/bonds, and we would side with it today. Returns have also been better with XTR, though VRIF only has three year return numbers. 

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