Q: Hi,
I am somewhat surprised by VRIF's poor return. I thought one was "assured" of safety and can withdraw 4% a year.
Should one look at Vanguard's VIC series ETFs? I don't know much about VIC series ETFs at all. Any words of wisdom?
Investment Q&A
Not investment advice or solicitation to buy/sell securities. Do your own due diligence and/or consult an advisor.
Q: I WAS TOLD THIS WAS A EXCELLENT CHOICE FOR RETIREMENT 2 YEARS AGO. IHAVE BEEN HOLDING AND ADDING TO THE FUND FOR 2 YEARS @ AVERAGE OF $25.50. WILL THIS FUND EVER RECOVER. THANKS
Read AnswerQ: Good Day to 5iteam: Would you consider this fund a good candidate to crystallize a loss or a better to hold if other options are available? Down about 9 to 10%. May consider buy back in 30 days but in no hurry for the income I bought it for in retirement. Tks. Larry
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Vanguard Balanced ETF Portfolio (VBAL)
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BMO Tactical Dividend ETF Fund (ZZZD)
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iShares Core Balanced ETF Portfolio (XBAL)
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Vanguard Retirement Income ETF Portfolio (VRIF)
Q: Hello 5i, Could you explain what these 4 companies are about and rank them in order from best first. I just retired and am looking for one or two companies where I can sleep at night and earn some income. Thanks
Read Answer
Q: Hello
Regarding VRIF, I saw a YouTube recently that said that the 4 percent payout will remain constant and that if each unit drops below $25, Vanguard will reduce the monthly payout. Does that make sense? I am somewhat mathematically challenged but from what I understand, if I buy an ETF at a lower price today, I will earn a higher percent payout than if I bought it at a higher price. I'd appreciate your input regarding VRIFs payout.
Thanks
Lynn
Q: 5iteam: Retired income seeking investor that anckored my portfolio with VRIF for reasonable stability with a 4% yield. I am down currently 8% and maybe counting. Can you give me your perspective on what and why with a 50/50 split to stocks and bonds performance has suffered? Would you consider it a good hold for my needs or suggest another prospect with more potential and security worth tacking a loss for the switch? As usual much appreciated Larry
Read AnswerQ: Good Day to 5I team: With banks trending down I am down about 7% but still with a 4% dividend.With VRIF my core retirement income holding also in a downward trend am down about 5% with a 4% dividend. Would you consider one or the other a sell for tax loss and. Investing proceeds in a 1 year gic at 2.45% to take shelter from what may or may not transpire into a resession and redeploy funds when markets look better? Which do you feel has a better chance of revovery?
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BMO Covered Call Utilities ETF (ZWU)
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iShares Diversified Monthly Income ETF (XTR)
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iShares Global Monthly Dividend Index ETF (CAD-Hedged) (CYH)
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Harvest Equal Weight Global Utilities Income ETF (HUTL)
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Purpose Multi-Asset Income Fund (PINC)
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Vanguard Retirement Income ETF Portfolio (VRIF)
Q: Hi, looking to start one or two Canadian based etf. Retired, no investment out of Canada. I think I should have some. Would like monthly income, 4%+ ,moderate risk, some growth if possible.
I think Cyh is the only one with a little growth?
Could you suggest two etf’s you prefer, or suggest two from above you might have confidence in.
Thanks
Q: How much influence do rising rates have on the share price of this ETF?
Thanks
Q: In late December I transitioned my RRIF portfolio (~28% of total portfolio) from a mix of VGRO & XAW to all VRIF (objective primarily to derisk a bit (?) and to simplify required payouts.
I maybe didn't adequately consider the following implications in my decision? What are your thoughts about the exposure to possible ROC as part of the monthly payouts and the subsequent more-rapid erosion of the RRIF capital, given the current market turmoil.
Thank you.
Q: Hi, do you think these two ETF's would compliment each other or would there be too much duplication, thanks?
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BMO Equal Weight US Health Care Hedged to CAD Index ETF (ZUH)
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BMO Equal Weight Banks Index ETF (ZEB)
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iShares 0-5 Year TIPS Bond ETF (STIP)
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Vanguard Retirement Income ETF Portfolio (VRIF)
Q: My question is more about safety and minimizing some risk. Hypothetically, if there was a market correction of say 20%, which of the above would be the safest in terms of net change (dividends and share price) say 6 months and 1 year later? I realize there are many issues with this question (they are all different, the need for crystal ball or time machine, etc) but I really value your thoughts. Thanks again!
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iShares Core Canadian Universe Bond Index ETF (XBB)
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iShares Diversified Monthly Income ETF (XTR)
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iShares Global Healthcare Index ETF (CAD-Hedged) (XHC)
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iShares MSCI World Index ETF (XWD)
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iShares S&P/TSX 60 Index ETF (XIU)
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iShares Global Healthcare ETF (IXJ)
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S&P 500 ETF TRUST ETF (SPY)
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INVESCO QQQ Trust (QQQ)
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Vanguard Conservative ETF Portfolio (VCNS)
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Vanguard Balanced ETF Portfolio (VBAL)
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Vanguard Growth ETF Portfolio (VGRO)
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iShares Core Balanced ETF Portfolio (XBAL)
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iShares Core Growth ETF Portfolio (XGRO)
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iShares S&P 100 ETF (OEF)
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iShares Global Comm Services ETF (IXP)
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iShares Core MSCI Total International Stock ETF (IXUS)
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Vanguard Retirement Income ETF Portfolio (VRIF)
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iShares MSCI World ETF (URTH)
Q: I am looking to finally replace the following mutual funds held in a self admin RSP account, to equivalent ETFs.
FID269 - Fid Monthly Inc;
FID5973 - Fid Global Innovation;
FID207 - Fid Global Concentrated Equity;
RBC460 - Sel Bal Ptf
TDB2760 - Td Retirement Balance
TDB652 - Td Global Entertainment & communication
TDB976 - Td Health Science
TDB2580 Td Tactical Monthly Inc
My goal is to replace these mutual funds with long term, high yielding where possible, low MER, CDN or US $ equivalent ETFs. Please provide 2 or 3 suggestions for each. Please deduct as many credit s as need.
Thank you for all the invaluable investment help you provide.
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Invesco Low Volatility Portfolio ETF (PLV)
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Vanguard Conservative ETF Portfolio (VCNS)
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Vanguard Conservative Income ETF Portfolio (VCIP)
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BMO Conservative ETF (ZCON)
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Vanguard Retirement Income ETF Portfolio (VRIF)
Q: I am interested in an 'all-in-one' diversified ETF to provide regular (quarterly/monthly) income such as VCIP, that best meets the following criteria:
1) Fairly conservative
2) As tax-advantaged as possible as it will be held in a non-registered account
3) Yield that can reasonably be expected to outpace inflation over time
4) MER<0.4
The rest of the investment portfolio is well diversified across geography, market cap, and sector, achieved with a few broad market index ETFs.
Q: Hi Guys
Which would be your choice of these two investments, if you were going to have a 15% weighting in your Portfolio.
Thanks
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BMO Monthly Income ETF (ZMI)
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iShares Diversified Monthly Income ETF (XTR)
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Purpose Multi-Asset Income Fund (PINC)
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Vanguard Retirement Income ETF Portfolio (VRIF)
Q: For a conservative investor, how much overlap is there in a portfolio comprised of xtr, zmi, pinc, and vrif? Thanks.
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BMO Aggregate Bond Index ETF (ZAG)
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iShares Diversified Monthly Income ETF (XTR)
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iShares S&P/TSX Canadian Dividend Aristocrats Index ETF (CDZ)
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Vanguard U.S. Dividend Appreciation Index ETF (VGG)
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Vanguard Retirement Income ETF Portfolio (VRIF)
Q: I have transferred my RRIF account from a broker and I plan to self-mange that account. The cash balance as of today is $290,000. I'm 88 years old so I need strong cash flow and/or capital gains to meet the required annual distribution. Please provide a list of stocks and ETFs that 5i would recommend for that purpose. Thanks for your valued assistance.
Read Answer
Q: Can you comment on the structure of VRIF? Is it suitable for someone retiring in 5 years that is planning to live off of distributions?
Thanks
Joe
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iShares S&P/TSX Composite High Dividend Index ETF (XEI)
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iShares Diversified Monthly Income ETF (XTR)
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Vanguard Retirement Income ETF Portfolio (VRIF)
Q: Hey there,
All of these etfs pay good dividends for a retiree. Can you compare/contrast the risks associated with each and in particular, and is there any compelling reason to switch to VRIF?
Thanks
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iShares S&P/TSX Canadian Preferred Share Index ETF (CPD)
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BMO Equal Weight REITs Index ETF (ZRE)
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iShares Diversified Monthly Income ETF (XTR)
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Global X SuperDividend ETF (SDIV)
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Vanguard Retirement Income ETF Portfolio (VRIF)
Q: Hello 5i,
I am looking to create a sector diversified portfolio, that will provide dividend income
each month throughout the year? Preferably yields over 4%, reits, and etfs are acceptable. Even better would be payouts at the beginning of each month?
Thanks for your help
Stephen