Q: I am seeking to invest the proceeds of a business sale for target returns of inflation + 4% and wishing to increase competence in self directed investing. 25% is marked for bond funds, 35% is earmarked for dividend stock, 25% for Equity ETFs, 7.5% t-bills and 7.5% highly speculative stocks . Do you feel that an allocation of 25% into bonds is too heavy given the probable rise in future interest rates? What funds would you recommend with low mgmt fees and reasonable performance?
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Investment Q&A
Not investment advice or solicitation to buy/sell securities. Do your own due diligence and/or consult an advisor.
Q: Hi Peter, I have 10.6% of my portfolio in VXC. My goal for investments outside Canada is 15%. Should I include companies like MFC in this? If so what would be your favourite TSX company for this type of investment? Also, at what level CAD would you sell a hedged ETF like VXC? Thanks.
- Bank of Nova Scotia (The) (BNS)
- Enbridge Inc. (ENB)
- Vanguard FTSE Global All Cap ex Canada Index ETF (VXC)
- Vanguard S&P 500 Index ETF (VFV)
Q: Hi guys, I just opened an RESP for my 4 month old and have $5k to invest for his future education. Obviously I have a long term outlook. I'm contemplating buying a single ETF, for example VXC, or a solid dividend paying company, like BNS or ENB. The latter is pretty beaten up so there could be some growth there as well. I hold all 3 mentioned funds/stocks in my RRSP/TFSA mix. Which way would you lean and/or is there a better place to invest right now?
thanks for the great resource guys!
cheers,
Mark
thanks for the great resource guys!
cheers,
Mark
- Vanguard FTSE Developed All Cap Ex U.S. Index ETF (VDU)
- Vanguard FTSE Developed All Cap Ex U.S. Index ETF (CAD-hedged) (VEF)
- Vanguard FTSE Global All Cap ex Canada Index ETF (VXC)
- Vanguard Global Momentum Factor ETF (VMO)
- Vanguard Global Value Factor ETF (VVL)
Q: Please give me your opinion of the Manulife Mutifactor ETFs, sub-advised by Dimensional Fund Advisors. Which would you recommend among the Manulife Mutlifactor Int'l Equity ETF (MINT), HXDM, HADM or other International Equity ETF in a taxable account?
Thanks,
Gerry
Thanks,
Gerry
- iShares Core MSCI All Country World ex Canada Index ETF (XAW)
- Vanguard FTSE Global All Cap ex Canada Index ETF (VXC)
- Vanguard Total International Stock (VXUS)
Q: I own pretty much all the stocks in your model portfolio (other than GC, PKI, SJ, and SYZ) and about 1/2 of your growth portfolio. I also own a number of ETFs, including VXC, VCN, VAB, CDZ, SPY, XAW, and VXUS. I was doing a review of my portfolio and noticed that the ETFs above now make up 20% of my portfolio. A couple questions:
1) Are some of these ETFs redundant in my case?
2) What sector allocation would you suggest for 2018?
1) Are some of these ETFs redundant in my case?
2) What sector allocation would you suggest for 2018?
- iShares Global Water Index ETF (CWW)
- Vanguard Canadian Aggregate Bond Index ETF (VAB)
- Vanguard FTSE Canada All Cap Index ETF (VCN)
- Vanguard FTSE Global All Cap ex Canada Index ETF (VXC)
- Vanguard S&P 500 Index ETF (VFV)
- Vanguard Global Minimum Volatility ETF (VVO)
Q: I am holding all of these ETFs in fairly equivalent amounts in both TFSA and Cash accounts. I will need to sell some to pay my 2017 tax bill, as the sale of an investment property has me realizing some significant capital gains.
Do you have a recommendation for which ones to sell over others, or would you maintain an equal weighting? These will be long-term investments.
Do you have a recommendation for which ones to sell over others, or would you maintain an equal weighting? These will be long-term investments.
Q: Hi Peter: I have VXC in my portfolio for international exposure. I want to add to it for rebalancing. Now that the Canadian dollar has recovered to the $0.80 range should I add to this or to an unhedged ETF. If so which would you recommend? It will be in a RRSP account. Thanks.
Q: Good Morning! I am going to become a grandparent for the very first time in the next couple of weeks!! I would like to build a stock portfolio for my grandchild over the next 18 to 20 years, investing $1,000 each birthday year. Which two stocks (or ETFs, if you think that is better) would be excellent choices to begin a long-term portfolio the day the baby is born, with dividends reinvested through DRIP? Thank you so much for your help!
Q: What are your thoughts on vxc for a 2 or 3 year hold or could you suggest an alternative? Thks
- iShares Core S&P/TSX Capped Composite Index ETF (XIC)
- iShares MSCI EAFE Index ETF (CAD-Hedged) (XIN)
- iShares U.S. High Yield Bond Index ETF (CAD-Hedged) (XHY)
- Vanguard FTSE Global All Cap ex Canada Index ETF (VXC)
- Vanguard U.S. Total Market Index ETF (CAD-hedged) (VUS)
Q: The above 5 etfs are core holdings with VXC and XHY at 15% each and the others at 10% each. The balance of my portfolio is made up of a diversified set of individual stocks (Canadian companies). I am considering exchanging XIN with ZWE to still have European exposure but with a better yield or should I keep XIN and just add ZWE to my core holdings? As always, thanks for the advice.
- Vanguard FTSE Canadian High Dividend Yield Index ETF (VDY)
- Vanguard FTSE Global All Cap ex Canada Index ETF (VXC)
Q: I've been struggling to find out what to do with all the cash I was holding in my portfolios so a while back I used VDY as sort of a money market fund,for me that's pretty conservative. I realize that VDY is basically buying the tsx financial sector, I'm up about 4-5% with this right now but do realize that with a correction in the financials it could come down some. I'm looking for something "safer" to park my money in.
Q: What is your opinion of vanguard ETF VXC ? Would you buy sell or hold?
- Vanguard Canadian Aggregate Bond Index ETF (VAB)
- Vanguard FTSE Canadian High Dividend Yield Index ETF (VDY)
- Vanguard FTSE Canada All Cap Index ETF (VCN)
- Vanguard FTSE Global All Cap ex Canada Index ETF (VXC)
Q: My son is in his mid-thirties and has very limited time available to actively follow/trade the markets. He is looking for a simple, passive investment portfolio with very broad exposure, a modest dividend focus, and that is rebalanced, ideally, once a year. Can you comment on the following proposed portfolio and allocations, assuming about $100k? Are there any alternatives he should consider? Should he modify his approach in a TSFA/RRSP? Thanks.
VAB - 20% (Canadian bonds)
VCN - 15% (Canadian equity)
VDY - 15% (Canadian dividend)
VXC - 50% (Global equity excluding Canada)
VAB - 20% (Canadian bonds)
VCN - 15% (Canadian equity)
VDY - 15% (Canadian dividend)
VXC - 50% (Global equity excluding Canada)
- iShares MSCI EAFE Index ETF (CAD-Hedged) (XIN)
- Vanguard FTSE Global All Cap ex Canada Index ETF (VXC)
- Vanguard U.S. Total Market Index ETF (VUN)
Q: I am considering replacing vxc with 50% vti and 50% vxus in my Rrsp. This I think will save some small mer, better for taxation and less losses due to currency exposure. I would appreciate your thoughts and suggestions also about possible alternatives.