A massive difference! The latter has a lower MER, higher yield, and lower portfolio turnover. Statistically, the odds are not in your favour over the long term (20+ years) with that approach. Captures large, mid and small cap representation across 22 developed markets countries (excluding Canada) and 23 emerging markets countries. Live & learn. The lowest cost option is at Questrade, where you can purchase ETFs for free and there are no annual fees no matter what your account size. A Canadian Index ETF is a fund that invests largely in Canadian equities by tracking a major Canadian stock index. Hi James, fixed income is and GICs would be considered roughly equivalent in terms of risk in return. About $90,000 sitting in cash waiting to be invested. Thank you once again for your instructive advise. Hi Jasraj, it’s purely subjective for me – I have a preference for Vanguard products. Nice list. I would like, if you can’t answer everything here, to recommend me where to find how to choose the TFSA or RRSP account to associate investments in ETF’s, or are some recommended for TFSA accounts and others for RRSP? Past returns are no indicator of future results! The medium- to high-risk fund is mostly focused on China’s finance sector with a 35.98% weighting on financials. I’m not sure where the market timing comes in to my comment? And GICs will go up if rates go up, so locking in for 3-5 years at today’s pitiful rates wouldn’t suit me. In dollar terms, assuming a portfolio of $25,000, investors would pay $62.50 per year for an ETF portfolio, while mutual fund investors would pay $625. Thanks Jozo. I’ve found the best way to do that is through an asset allocation ETF like the ones offered by Vanguard or iShares. And this leads me to my second…. That said, one of the ETF’s missing from your list is the Cdn banks – WEB. Thankfully, there are a lot of good ETF options in the marketplace. While the S&P 500 has performed extraordinarily well over the last 10-12 years, it’s still risky to put all of your savings into one economy (even one as large as the US). Hi veen, it doesn’t get much easier than just buying one asset allocation ETF, such as Vanguard’s VBAL or VGRO. I currently hold DXG , ZUT and BAM.A in my granddaughter’s RESP. Using Robinhood, I'm looking to drop most into ETFs and be relatively risky (as much as one can be with ETFs), specifically growth oriented: VGT- 25%, IETC - 25%, IGV - 15%, VUG - 25%. If you’re thinking about heading down the DIY investing path, make sure and check out our Questrade Review as it is our preferred discount brokerage (mainly because it allows you to buy ALL ETFs – including the ones listed here – for free). An honourable mention goes to Vanguard’s Canadian Aggregate Bond Index (Ticker: VAB). Makes sense to me Gavin. VBAL actually holds the following ETFs, which have all been around for some time: Vanguard US Total Market Index ETF Vanguard Canadian Aggregate Bond Index ETF Vanguard FTSE Canada All Cap Index ETF Vanguard FTSE Developed All Cap ex North America Index ETF Vanguard Global ex-US Aggregate Bond Index ETF CAD-hedged Vanguard US Aggregate Bond Index ETF CAD-hedged Vanguard FTSE Emerging Markets All Cap Index ETF. Top Int’l Stocks. From there you’ll want to select your ETF, or portfolio of ETFs, by entering the ticker symbol(s) and purchasing the appropriate number of units. Hi Kyle, Can you write an article about the investing options for Canadian Expats? We initially crowned Vanguard the winner of this category due to the breadth of its offerings for the ultra-conservative to ultra-aggressive investor, and everything in between. Additionally, not all China ETFs in Canada are made the same. Still, many investors are placing long-term bets on China, and the list of the best China ETFs in Canada can help you get the start you need. A $1-billion fund is … We’ll briefly highlight all of the different options before declaring a winner. With index ETFs, you’re getting the market performance, minus a small fee. and also your ETF book. We examine the top 3 best China ETFs below. Leading institutions are not always the best for consumer. Disclaimer: Young & Thrifty has entered into a referral and advertising arrangement with Wealthsimple US, LTD and receives compensation when you open an account or for certain qualifying activity which may include clicking links. You’re taking advantage of a 30% discount in stock prices. It trades in Canadian dollars, and aims to track the performance of the S&P. For e.g. Remember, XGRO is actually a wrapper ETF and inside it contains eight individual ETFs that all represent different regions and asset classes (Canadian, U.S., International, and Emerging Markets stocks, plus bonds). I also have SCHH for the US REIT side. It’s the five-year growth rate, though not as fancy as the previous two, is still better than negative (4.11%). It’s designed to track the FTSE TMX Canada UniverseXM Bond Index, holding a mix of federal, provincial, and corporate bonds at both short- and long-term durations. This includes companies in Canada, Europe, and Asia, such as Royal Bank of Canada, Nestle, Adidas, Samsung, and Toyota. Let’s say your target allocation is 33% Canadian, 33% U.S., 33% International. A government pension is pretty much as safe as you can get so I’m happy with that part of my portfolio! The ETF pays monthly dividends and offers the best yield on this list. Unfortunately, you cannot invest with Wealth Simple if you are a Canadian Resident. second question is what do you think of a growth portfolio which is a mix of VEQT, HXQ & VFv? I’ve ranked the REITs based on their capital growth potential (Five-year growth), and current dividend yield. The fund’s investments will change. Time is on my side, which is why I’m sticking to my plan and staying invested for the long haul. – Cheers. A broad measure of the Canadian investment-grade fixed income market consisting of Federal, Provincial and Corporate bonds. 2) question is, I’d like to add individual stocks like 10% as well, or just stick to ETF, safer I know. Top ETF Picks: First Trust Capital Strength ETF (FTCS) and First Trust NASDAQ Cybersecurity ETF (CIBR) FTCS is large cap core fund that invests in companies with the strongest balance sheets. Cheers! I’m sure there was some logic behind that number when the ETF was created, but basing success based on market cap alone seems a bit too simplistic. Basically, I’d just recommend a higher percentage of fixed-income as you approach retirement. Costco Stock Is an Easy Buy on the Dip COST stock is one of the best in the market – and it's now on sale. If you transfer your RRSPs or TFSAs from another institution, Questrade will cover your transfer fees. First Trust SSI Strategic Convertible Securities ETF (FCVT) 15. As a young investor, my biggest concern now is asset allocation for each account. The Best ETFs in Canada for Young Canadian Investors, Questrade Forex: How to Transfer USD into your Questrade Account, Wealthsimple vs. Questrade vs. Nest Wealth, Tangerine Investment Funds vs Robo Advisors, Vanguard’s New ETFs Challenge Canada’s Robo Advisors, About motusbank – Canada’s Newest Online Bank, Canada’s Credit Unions as Online Banking Options, Best Credit Cards to Use for Car Rental Insurance, TD® Aeroplan® Visa Infinite* Credit Card Review, American Express® AeroplanPlus®* Gold Card Review, Cohabitation Agreements and Living Together, Earning Money While on Maternity or Parental Leave, How to Get More Money Back from Your Tax Return, How Your RRSP Can Save Your Next Tax Refund, Tax Deductions On Rental Property Income In Canada, Cost and Incentives of Canada’s Carbon Tax. It invests primarily in the US-domiciled Vanguard FTSE Emerging Markets ETF. Next up is iShares’ asset allocation ETFs: The iShares funds are expected to have a MER of 0.20%. Thanks again for all your feedbacks to all, they give the light to understand the “why”, “when” and “how” that are often missing from others. The Canadian ETF landscape continues to get better and offer investors more robust options from which to choose. I came across this post regarding the structure and effectiveness of VXC: http://canadiancouchpotato.com/2014/07/10/under-the-hood-vanguard-ftse-all-world-ex-canada-vxc/, What do you think about this statement: “foreign withholding taxes would add approximately 0.45% to the cost of the fund if it. The best China ETFs in Canada can help you invest in a basket of Chinese securities without purchasing individual stocks. It’s down 12% from late November highs. ETF Investing; Retirement. The fund has returned 9.18% since inception in February 2015. Should I sell ALL of my individual stocks and buy as many Vanguard Total ETF VEQT Funds I can buy for $1,000? Thanks for commenting Andre. The problem is that if I sold all of my holdings with Webbroker, I would be charged roughly $200 just in selling fees – $10 per transaction as I own 23 different stocks in total, and own an average of 4 – 6 shares of each stock.. Again, I only have $1,000 invested in total. These funds have been called one-stop ETFs, one-ticket solutions, asset-allocation ETFs, and balanced ETFs. Additionally, you mention which ETFs you’re investing in, but not what % of your portfolio each one represents. I plan on buying 15-20 shares of these each per year until I retire. In fact, it’s never been easier and cheaper to build your own portfolio using the best ETFs in Canada. I had always been convinced about passive investment (I was fortunate to hear John C. Bogle discuss his view about this), but not until very recently I’ve had the chance to save (and invest). Buy low, sell high. The fund comes with a MER of 0.09%. Now we’re facing a new crisis – and nobody knows when it will end and what the global economy will look like when it’s over. SCHF doesn’t have the small-cap exposure or the exposure to developing markets. My plan is to step up saving over the next 8-10 years until I retire, try for $10,000 a year now that my vehicle in great condition will be paid off in less than a year, save $5,000 until then and just roll those bi-weekly payments into an additional $5,000 in savings. ( RRSP is maxed with US ETF , and TFSA for Dividend Canadian ETF ). Is there another better stock portfolio strategy that you would suggest for me? Could you please tell me your opinion on my portfolio. Disclaimer: Wealth Awesome strives to keep its information accurate and up to date. The Globe and Mail - Notes: Market data as of Feb. 5, 2021. VEQT holds all of those stocks, so you’d be duplicating your holdings in many cases. This is particularly important for rebalancing (which I’m planning to do once/twice a year). So far i ve invested only within my RRSP and TFSA. Those costs are included in the return of the fund. JOIN THE FINANCIAL MOVEMENT! questions for you: 1) How do you recommend I start looking into which ETF to invest in? I hope this has clarified my view and not just made it murkier! All Rights Reserved. This BlackRock iShares ETF effectively provides investors with exposure to 50 of the largest publicly-traded Chinese companies in terms of the market cap within a single fund. This ETF does not contain any companies in … ETFs offer plenty of benefits for self-directed investors and for advisors alike. This ETF tracks, to the extent possible, the performance of the FTSE Canada High Dividend Yield Index before fees and expenses. The Index represents the entire investment universe of Chinese companies that qualify for the minimum market cap and trading volume thresholds based on their market capitalizations. How do you stay on top of the holdings in funds that have high turnovers? So for the young, long term investor, I’d go with VAB (lower MER than XBB, at only 0.19). 1) Not sure to be honest, I haven’t used TD for a long time tbh. I downloaded your book a couple of weeks ago, congratulations, I loved it! Depending on your portfolio, VUN might also be a good option if you’re trying to avoid the extra CRA paper work for having >$100k in foreign assets. BMO Aggregate Bond Index ETF (ZAG)Canada0.091,259A broad measure of the Canadian investment-grade fixed income market consisting of Federal, Provincial and Corporate bonds. They seem to have a team that really understands how to play the game given the wild swings bonds have gone through in the last 4 years, especially in May/June. For a new investor with no DB, I think I’d suggest they just sink their fixed income percentage in short term GICs (1-2 years) until things calm down a little. 3) I’m not too worried about the fund’s turnover at all because they’re tracking an index – I know that those companies will change. In terms of VUN vs VTI, from what I’ve read if you make smaller more frequent contributions, VUN is probably the better choice, since the forex fees will eat you alive otherwise. Hi T-bone, the research suggests you should just invest all at once rather than dollar cost average. You can either rebalance whenever you add new money by contributing to the fund that is lagging behind. 2021 is expected to be a huge year for penny stocks. I don’t have a pension (I might never), but I hold a small position in XBB just because bonds are one of those things everyone should have, but few younger people do. Another question — when I looked at the fund facts for some of the TD-e series, a couple of things jumped out: 1) Switch fee. 2) The trailing commission is an ongoing commission. TBH I’d just recommending putting it all in an online bank high-interest savings account. First up is Vanguard, who arguably changed the game for DIY investors (and put robo-advisors on notice) with the introduction of its line-up of all-in-one ETFs. However, there still are Chinese companies whose shares are publicly traded and provide investors with opportunities. U.S. listed ETFs tend to be cheaper but they must be bought in USD and that can cost you in terms of foreign currency conversion fees. It is paid from the fund’s management fee and is based on the value of your investment. Unless you hold an all-in-one balanced ETF, you’ll need to do your own portfolio rebalancing. Most robo advisors charge a management fee of around 0.40 – 0.50% to monitor your portfolio. XUU has returned 11.76% since inception in February 2015. Each ETF offers a basket of companies that you can invest in based on your investment goals. Hi Ryan, that would be duplicating your U.S. holdings by owning XUU and XAW together. Anyways, sorry to digress with the sushi analogy. Is there an article related to this here? Have you done any research into how successful most people are when it comes to using sector-based investing? That being said, you could obviously micro-manage your exposure to specific emerging markets by using more niche ETFs if you wanted to. As a general rule, look at putting ETFs or individual stocks from the NYSE in your RRSP and CAD-listed ones in your TFSA if you’re looking to invest in both from the long term. I’m a big fan of that site Juan and you’re right – it does add some extra expenses – but read further down where Dan talks about currency conversion charges when buying US-listed ETFs. Or you can rebalance once or twice a year by selling some of the top performing fund and buying more of the fund with the poorest returns. VFV tracks the S&P 500 which had the best performance of any market over the past 10 years. One of the best ETFs for 2021, then, is the iShares Evolved U.S. Healthcare Staples ETF (IEHS, $36.09). Best Canadian Dividend ETFs for 2021: S&P/TSX Canadian Dividend Aristocrats Index Fund (CDZ) Investment Style : This ETF follows the dividend achievers index which holds dividend stocks that have a history of increasing their dividend (at least 5 consecutive years). I guess putting new money into GICs instead of straight into bonds is a type of market timing. But I’ve never seen a case before where interest rates have been kicked down so long and so hard. Invest in ETFs with Questrade. May I ask what leads you to these conclusions Al? TO Do you think there are good ones to hold? AUM: $567.2 million (July 24, 2020) The Vanguard FTSE Canadian High Dividend Yield Index ETF is the next entry on the list of the best dividend ETFs in Canada. It’s definitely a good idea to have some money in something safe like that in order to prepare for the chaos of the child bearing years! For the purpose of this article, we’ll stick with core “set-it-and-forget-it” ETFs rather than trying to guess which hot new sector or industry will outperform. Thanks. The First Asset CI ICBCCS S&P China 500 Index ETF seeks to track, to the extent possible, the price and yield performance of the S&P China 500 Index, before fees and expenses. I debated back and forth in the past, but the numbers just seemed a hair better for XIC. VBAL only has 1.5 years of history to show, why is it recommended based on such short time of inception? It contains 4,000 of the largest companies in developed economies around the world. Thanks for being so upfront about your successes and your not-so-successful picks. So what ETFs should I be looking at? For example, a few that come to mind are: BMO Low Volatility Canadian Equity ETF (ZLB) BMO S&P/TSX Laddered Preferred Share Index ETF (ZPR) BMO Covered Call Canadian Banks ETF (ZWB). I am thinking of this strategy of owning ETFS for each sector for a while now. Indeed, the total amount invested in ETFs is around $248 billion, while there is more than $1.6 trillion invested in mutual funds. Stock markets like the TSX and S&P 500 had been on an incredible run – posting almost 11 years of uninterrupted gains since the 2008-2009 financial crisis. I am new to all of this, so any advice would be greatly appreciated. However, CHNA.B provides investors with exposure to a broad range of equity securities in Chinese companies. Best ETFs to Buy in 2021 for Canadian Investors, https://andrewhallam.com/category/millionaire-expat-book/, https://www.canadianportfoliomanagerblog.com/, https://youngandthrifty.ca/etf-investing/, https://youngandthrifty.ca/questrade-review/, http://canadiancouchpotato.com/2010/03/05/put-your-assets-in-their-place/, https://youngandthrifty.ca/vanguard-etfs-versus-td-e-series-mutual-funds/, https://youngandthrifty.ca/book-review-value-simple/, Vanguard FTSE Canada All Cap Index ETF (VCN), Provides broad exposure to predominantly Canadian large-, mid- and small-capitalization companies, iShares Core S&P U.S. Total Market Index ETF (XUU), Offers broad exposure to U.S. large, mid, small, and micro capitalized companies through the S&P Total Market Index, iShares Core MSCI All Country World ex Canada Index ETF (XAW). The ETF might be more suitable for investors chasing a higher yield for returns instead of focusing solely on capital gains. 1. Sunlife fund from DC about $16,500 that is low MER for actively managed fund through group work plan so I left it for now in one Med-High Risk Equity Fund. Anyways, I would really appreciate all of your opinions/resources/anecdotes/advise on this style. VCN is 3-years old, performs very similarly to XIC, I would not expect it to outperform XIC well enough to compensate for much lower dividend. Top 7 Best ETFs In Canada . I’m with TD Webbroker. International exposure and diversification – That’s why many Canadian investors seek US stocks. My question (s) is this; wondering whether to buy 10-20 individual dividend income stocks (Bank Stocks, utilities, Reit’s & blue chip/other) with my Pension Funds or keep it simple and buy 1-4 ETF’s to add to my already (my picks from reading various Couch Potato strategies were VCN, VUN, VAB, & possibly VDU) but suggestions seem to change so often! I’m a dedicated index investor. The prolific ETF market in Canada saw assets grow by a remarkable 28.7% year over year in … When evaluating offers, please review the financial institution’s Terms and Conditions. Maintains a long-term strategic asset allocation of global equity (approximately 60%) and fixed income (approximately 40%) securities. Hey Barbara, a lot of questions there so I’ll try to sum up: 1) I think a fee-only advisor would really help. The difference between the two comes down to taxes. Pre-qualified offers are not binding. Most investors need a dose of fixed income in their portfolios. I’d also highly recommend Andrew Hallam’s especially as a US citizen. Ticker: TSX:HCNDividend Yield: 6.32%Assets Under Management: $9.57 millionMER: 0.97%. Hi , Thanks for the article, I have some confusion on holding Canadian based ETF holding USA stocks such a TD’s TEC.TO its in Canadian currency and XUU as well. For example, should I be looking at individual stocks for my TFSA, RRSP, or, where and which ETF’s are the best play for long term and short term? If that’s you, I’d recommend assigning some rules around your stock picking (like no more than 5-10% of your portfolio) and have an exit strategy for both your winners and your losers. I pretty much know what I want it to look like in terms of diversification but when do I start buying? Great article! don’t sell, only choice for you is to add. Some sectors stick out a little more than others for me, but I’m not familiar enough to commit yet. The only reason I chose XIU over XIC is that when I wrote the column XIC had almost no volume. I’m a rational investor who prefers to invest in ETFs, but I understand those who want to bet on individual stocks or sectors. Kyle, I’m afraid there is an error in your in your post. Thanks for stopping by. hello, i am canadian and new investor . I could of course follow your lead and simply invest in what you have (we’re more or less in the same personal situation, I think), but I like being informed before making any decisions. The turnover difference is likely due to the rebalancing policy in each fund. Call it foolish but I feel like the experience is similar to going out for sushi. Their other trading fees range from $4.95 to $9.95, and their account minimum is $1,000. Long story short, both Vanguard and iShares/Blackrock know what they’re doing when it comes to ETFs. The U.S. stock market is the largest in the world and so it stands to reason that you’d want to own the entire market to get exposure to American ingenuity at its finest. some DC plans) GICs aren’t as flexible as bonds but they have always been a part of our portfolio (most of it in fact) and they’ve done very well by us. XAW is market weighted and so 58% of it is in U.S. stocks. Each ETF offers a basket of companies that you can invest in based on your investment goals. The ETF has a lower MER compared to most of the other ETFs listed in the guide, making it an attractive option to consider. Or do you just keep an eye on returns and not worry about that? Thanks for your time! My confusion is lets say I buy them and put them in my TFSA and one year after I make 10% profit and Sold it. But, I cant pull the trigger on this play yet. Renting in your 20ties Will Help Your Retirement, Variable vs Fixed / Open vs Closed Mortgages, Using RRSP for Your Mortgage Down Payment, Buying A House in Canada: A Guide to Buying Your First Home, All You Need To Know About Student Loans in Canada. Speaking of high turnovers, I noticed that XIC has a 30.52 turnover versus 6.42 in VCN. A decade later, I’ve watched my $200,000 RRSP portfolio fall to $160,000 in just one month due to the coronavirus crash. Chris Enns, Robb Engen, and Sandi Martin. Great article! Essentially, what you’re doing is place a bet that the small- and medium-sized companies included in VCN will not outperform the larger companies-only offering of XIC. The truth is I have no idea where markets are going. The largest bond ETF in Canada is BMO’s Aggregate Bond Index ETF (Ticker: ZAG). 1) Kate, I can tell you that I know exactly what the markets will do from here: they’ll go up, or they’ll go down, or they’ll go sideways. I really do prefer stocks, for my growth side, and Mutuals for my standard market side. Hi Phil, your think’n out loud comment caught my attention. New to the game and didn't invest this before but better late than never. 5 Best REIT ETFs in Canada. VUS is the hedged version of VUN. Ticker: TSX:CHNA.BDividend Yield: 3.02%Assets Under Management: $6.54 millionMER: 0.60%. Do you think that it’s still a good time to invest in index funds like vanguard S&P 500? Right now, I have maxed out my TFSA at 36.5K. It has a certain exposure % for emerging markets. We sleep comfortable at night because we own the 8 walls and 2 roves that protect us at night – Cheers. Remember that asset allocation ETFs like VEQT or VGRO are designed to be an “all-in-one” solution and so there’s no need to hold other ETFs alongside of them. I am definitely going to read those articles you recommended me. Hi JP. She can buy any ETF inside of a TFSA and I’d recommend new investors keep things simple with one of the all-in-one asset allocation ETFs like VBAL or VGRO (depending on her time horizon and risk tolerance). Vanguard Conservative Income ETF Portfolio (VCIP) – 20% equities / 80% bonds, Vanguard Conservative ETF Portfolio (VCNS) – 40% equities / 60% bonds, Vanguard Balanced ETF Portfolio (VBAL) – 60% equities / 40% bonds, Vanguard Growth ETF Portfolio (VGRO) – 80% equities / 20% bonds, Vanguard All-Equity ETF Portfolio (VEQT) – 100% equities, iShares Core Income Balanced Portfolio (XINC) – 20% equities / 80% bonds, iShares Core Conservative Balanced ETF (XCNS) – 40% equities / 60% bonds, iShares Core Balanced ETF Portfolio (XBAL) – 60% equities / 40% bonds, iShares Core Growth ETF Portfolio (XGRO) – 80% equities / 20% bonds, • iShares Core Equity ETF Portfolio (XEQT) – 100% equities, BMO Conservative ETF (ZCON): 40% equities / 60% bonds, BMO Balanced ETF (ZBAL): 60% equities / 40% bonds, BMO Growth ETF (ZGRO): 80% equities / 20% bonds, Vanguard US Total Market Index ETF – 23.8%, Vanguard Canadian Aggregate Bond Index ETF – 23.6%, Vanguard FTSE Canada All Cap Index ETF – 17.9%, Vanguard FTSE Developed All Cap ex North America Index ETF – 13.8%, Vanguard Global ex-US Aggregate Bond Index ETF CAD-hedged – 9.2%, Vanguard US Aggregate Bond Index ETF CAD-hedged – 7.2%, Vanguard FTSE Emerging Markets All Cap Index ETF – 4.5%. Exchange-traded funds (ETFs) have made it possible for Canadians to invest at a fraction of the cost of a traditional mutual fund portfolio that you’d find at a big bank or investment firm. The % is up to the investor of course. First 2 years I was about flat, and ever since I’ve been increasing my gain… is it worth it, for me yes, I’m young, have capital, no debt and time. So long as you hold a bond fund for it’s duration, you’ll get at least your money back (at least in nominal terms), in a rising interest rate environment as new bonds are bought at higher interest rates, resulting in higher income. All financial products, shopping products and services are presented without warranty. So if they went down, it would buy more shares. Hi Robb, sorry my comment and answers were for you, I confused your name with Kyle. Thanks, Mat. Also I will take this articles as yours affirmation of my assumption that I should consider including at least one more ETF in my TFSA portfolio. iShares’ XAW stands out ahead of Vanguard’s VXC due to its lower cost (0.22%) and more tax efficient structure. Now you have a list of the best Canadian ETFs, but how do you go about investing in them? iShares MSCI USA Min Vol Factor ETF thks for your opinions. does it make sense to Hold such ETF which holds all USA stocks but are traded in CAD $ into TFSA ? It comes with a MER of just 0.09%. By diversifying our holdings to 202 we reduce the risk of concentrating our investments in those two sectors and get exposure to small and medium-sized companies that may be poised to break out. You can do this with a one-time lump sum or with regular automatic contributions. Sounds like we’re thinking along the same lines BB. Maybe we can outline some pros and cons. The iShares Core S&P U.S. Total Market Index ETF is the best and most diversified way to accomplish this. If we have already invested in XGRO, does it make more sense to go with any of these aforementioned ETFs in particular (e.g., XUU, XAW, VBAL/XBAL, VCN, or ZAG) due to similarities/redundancies in their holdings in comparison to XGRO? I have read quite a bit about Dividend Investing and like the idea of creating an income stream from dividends, & so that I may not have to touch too much of my principle for quite some time into my retirement. Hi Sam, no need to be confused on this. There are several ways you can invest in China ETFs in Canada, but I personally use the discount broker Questrade. If you want a simple solution, consider investing in an all-in-one ETF. I personally switched my previous two-ETF portfolio, consisting of VCN and VXC, to the new 100% equities all-in-one ETF VEQT. These are pretty unique investment solutions, and while I’ve never actually invested in any of them, I find them tremendously interesting. Horizons China High Dividend Yield Index ETF, 4. When exactly do you put your portfolio together? It’s … My 1st question is I can max out both accounts but should I do that right away or dollar cost average until we see where this pandemic goes, (talks of a -40%drop) all info says max it out right away. Do you think a 80% portfolio of fixed income is just as safe as a GIC? great comments. I would just have one question/comment on using VXUS. I’m inclined to agree with you Kyle. Nothing wrong with GICs (you do get slightly higher income due to the illiquidity premium), but it’s great having the liquidity and bump up in price that occurs when equities crash (the “flight to safety”), for buying equities at depressed prices to rebalance. VXUS would do this within the fund Ferd.
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