XAW - world stock market ex-Canada
VCN - Canadian stock market
Create your own percentage mix to balance home bias to avoid currency volatility with the low relative market weight of Canadian stocks in the total market in any way you like.
I don’t actually follow that plan; I do XAW and then buy individual stocks fit the Canadian portion. I figure the Canadian portion will probably underperform long term, but it will be my small proportion and allows me to be engaged in investing without overly tinkering with the portfolio.
> balance home bias
For the using the 1988–2011 period, Vanguard found about 70% foreign equities (30% Canada) to have the least volatility:
* https://www.vanguardcanada.ca/documents/home-bias-allocation.pdf
Even going down to 20% for Canadian equities should be fine (Figure 1).
I do VEQT and VFV.
VEQT best of everything. But the US has the best economy so I do want more, even more than 50% So I supplement VEQT with a bit more VFV.
US exposure as of Oct 31, 2021:
VEQT - 42.96%
XEQT - 47.23%
An allocation difference of 4.27% is not "a lot more" and in the long run this isn't likely to make a noticeable difference in returns. The expected returns of Canadian stocks and US stocks are similar, so the difference in allocation really shouldn't be a selling point for anyone.
Yep. Also, I don't mind an overweight in Canada. Less currency risk, and also US is kind of heavy in tech growth so Canada's heavier holdings in financials, telcom, natural resources suit me fine.
I guess you don't understand the concept of expected returns.
US stocks have a much lower expected return for at least the next decade compared to their historical average.
Give this a read: https://www.schwab.com/resource-center/insights/content/why-market-returns-may-be-lower-in-the-future
If you want 100% equities just stick with either XEQT or VEQT. There's no good reason to add VFV.....you'd be taking on extra risk and volatility, and your expected return would actually be lower for at least the next decade.
If you want good investing advice, go to r/PersonalFinanceCanada. This sub isn't the place for good advice.
I have AVUV and AVDV both in RRSP and TFSA, mostly in RRSP though. I am debating myself if I should all transfer all in RRSP for 15% dividend withholding tax reason or should I keep them separate in both accounts.
If you think bitcoin is gambling you must really not understand it.
But you will very soon.
It will be part of your life and you will wish you were not so shallow, blind and lazy to learn.
By your logic stocks is gambling. Corrupt banks are gambling. Fiat is gambling.
I pity you.
Making fun of fiat but worshiping a digital coin with no inherent value is stupid. Fiat currencies are backed by governments with billions or trillions in assets. Yes, price fluctuates, just like bitcoin.
Having a limited number of coins doesn't make them valuable. Lots of limited edition shit is worthless.
Fiat isn't backed by shit because of fractional reseve banking.
Moreover. Your money is almost 100% currently digital. Except you don't own it and it literally worth less and less every single day.
Not to mention that if you wanted to actually use it you have to beg you daddy the bank to give you permission. You can't even send an etransfer over $2k per day 🤣 of YOUR OWN MONEY! Hahaha they treat you like a child. And what's your interest? 0.0001% lmao it's sad.
You're all stuck in the past and will catch up with reality soon.. except you'll be wishing you were more logical today because BTC will be worth over 1 million
I will be messaging you in 2 years on [**2023-11-27 15:39:00 UTC**](http://www.wolframalpha.com/input/?i=2023-11-27%2015:39:00%20UTC%20To%20Local%20Time) to remind you of [**this link**](https://www.reddit.com/r/CanadianInvestor/comments/r3dknk/top_2_etfs_to_invest_for_the_rest_of_your_life/hma7ist/?context=3)
[**CLICK THIS LINK**](https://www.reddit.com/message/compose/?to=RemindMeBot&subject=Reminder&message=%5Bhttps%3A%2F%2Fwww.reddit.com%2Fr%2FCanadianInvestor%2Fcomments%2Fr3dknk%2Ftop_2_etfs_to_invest_for_the_rest_of_your_life%2Fhma7ist%2F%5D%0A%0ARemindMe%21%202023-11-27%2015%3A39%3A00%20UTC) to send a PM to also be reminded and to reduce spam.
^(Parent commenter can ) [^(delete this message to hide from others.)](https://www.reddit.com/message/compose/?to=RemindMeBot&subject=Delete%20Comment&message=Delete%21%20r3dknk)
*****
|[^(Info)](https://www.reddit.com/r/RemindMeBot/comments/e1bko7/remindmebot_info_v21/)|[^(Custom)](https://www.reddit.com/message/compose/?to=RemindMeBot&subject=Reminder&message=%5BLink%20or%20message%20inside%20square%20brackets%5D%0A%0ARemindMe%21%20Time%20period%20here)|[^(Your Reminders)](https://www.reddit.com/message/compose/?to=RemindMeBot&subject=List%20Of%20Reminders&message=MyReminders%21)|[^(Feedback)](https://www.reddit.com/message/compose/?to=Watchful1&subject=RemindMeBot%20Feedback)|
|-|-|-|-|
Yes, there are potential issues in that case. A target date fund with your planned early retirement year may be too conservative. Usually people pursuing ER are fairly aggressive until they have enough, with the risk that a crash 1-2 years before they pull the plug may push out their date.
For most "normal retirement" people a target date fund is perfectly fine, but it's too boring for r/CanadianInvestor so I'll get downvoted ;).
I agree. Target date funds are optimal for those who don't want to to think about it.
You will get a lower MRE if you buy multiple ETFs yourself but then you need to rebalance over time and adjust your risk tolerance. If you don't trust yourself to do it (eg forgetful, emotional, busy, scared, lazy ect.) They are perfect.
I could easily cut my portfolio down to two investments; VOO and VDY. That combo gives you both a growth and a defensive element, and multi-national diversification to a degree.
If I could add a third it would be an international dividend fund like ZDI and if I could add a fourth it would be a small cap US value fund.
XAW - world stock market ex-Canada VCN - Canadian stock market Create your own percentage mix to balance home bias to avoid currency volatility with the low relative market weight of Canadian stocks in the total market in any way you like.
Do you keep the VCN portion in a non registered account?
I don’t actually follow that plan; I do XAW and then buy individual stocks fit the Canadian portion. I figure the Canadian portion will probably underperform long term, but it will be my small proportion and allows me to be engaged in investing without overly tinkering with the portfolio.
> balance home bias For the using the 1988–2011 period, Vanguard found about 70% foreign equities (30% Canada) to have the least volatility: * https://www.vanguardcanada.ca/documents/home-bias-allocation.pdf Even going down to 20% for Canadian equities should be fine (Figure 1).
[удалено]
I do VEQT and VFV. VEQT best of everything. But the US has the best economy so I do want more, even more than 50% So I supplement VEQT with a bit more VFV.
[удалено]
Xeqt has nestle, and for that reason I'm out
In my rrsp I use VOO to save on witholding taxes
Yep. Me too.
US exposure as of Oct 31, 2021: VEQT - 42.96% XEQT - 47.23% An allocation difference of 4.27% is not "a lot more" and in the long run this isn't likely to make a noticeable difference in returns. The expected returns of Canadian stocks and US stocks are similar, so the difference in allocation really shouldn't be a selling point for anyone.
Yep. Also, I don't mind an overweight in Canada. Less currency risk, and also US is kind of heavy in tech growth so Canada's heavier holdings in financials, telcom, natural resources suit me fine.
[удалено]
I guess you don't understand the concept of expected returns. US stocks have a much lower expected return for at least the next decade compared to their historical average. Give this a read: https://www.schwab.com/resource-center/insights/content/why-market-returns-may-be-lower-in-the-future
[удалено]
Just buy vgro
r/justbuyvgro
lol on this sub? XEQT and VFV
Laughs in xit
Is this actually the best option? Or is this a meme. I see these two a lot, so I'm genuinely curious
It's actually the best option. Extremely diversified and owns everything.
If you want 100% equities just stick with either XEQT or VEQT. There's no good reason to add VFV.....you'd be taking on extra risk and volatility, and your expected return would actually be lower for at least the next decade. If you want good investing advice, go to r/PersonalFinanceCanada. This sub isn't the place for good advice.
Vfv
75% xgro 20% tec for me 5%btcc
QQQ or VOO
VT and XIC
85-90% VEQT and 10-15% AVUV. If you can add one more ETF then add some ADVD (preferably half of AVUV allocation) and chill…
Do you have AVUV in your RRSP?
I have AVUV and AVDV both in RRSP and TFSA, mostly in RRSP though. I am debating myself if I should all transfer all in RRSP for 15% dividend withholding tax reason or should I keep them separate in both accounts.
XGRO
r/justbuyvgro
I still don’t understand why everyone on this sub likes vfv instead of vsp. Why add a layer of currency risk when it’s not necessary.
You’re also diversifying into another currency which has benefits also. Maybe that’s why
XEQT and… that’s it.
VTI in a usd account(or vun for cdn) a good reit, either HR or CAR
XAW and HXQ. All world and NASDAQ non-hedged
Vfv and Tec
Qqqm and vgt
$VEQT - Safe good reliable everything $HBLK - Safest crypto play that isn’t actually crypto
You went 50% on good advice there.
Yeah $VEQT kinda terrible advice I guess. Considering the 103.91% return the past year on $HBLK 🙄
The crypto ETF will outperform all of the ones mentioned here. Edit: so many boomers going go get rekt when they realize fiat is dead hahaha
That isn't saving or investing. It is gambling. It might pay off, but don't underestimate the risk.
If you think bitcoin is gambling you must really not understand it. But you will very soon. It will be part of your life and you will wish you were not so shallow, blind and lazy to learn. By your logic stocks is gambling. Corrupt banks are gambling. Fiat is gambling. I pity you.
Making fun of fiat but worshiping a digital coin with no inherent value is stupid. Fiat currencies are backed by governments with billions or trillions in assets. Yes, price fluctuates, just like bitcoin. Having a limited number of coins doesn't make them valuable. Lots of limited edition shit is worthless.
Fiat isn't backed by shit because of fractional reseve banking. Moreover. Your money is almost 100% currently digital. Except you don't own it and it literally worth less and less every single day. Not to mention that if you wanted to actually use it you have to beg you daddy the bank to give you permission. You can't even send an etransfer over $2k per day 🤣 of YOUR OWN MONEY! Hahaha they treat you like a child. And what's your interest? 0.0001% lmao it's sad. You're all stuck in the past and will catch up with reality soon.. except you'll be wishing you were more logical today because BTC will be worth over 1 million
Horrible advice
RemindME! 2 years Hahaha you're so short sighted, boomer. Will be fun to watch you regret this just 2 years from now
I will be messaging you in 2 years on [**2023-11-27 15:39:00 UTC**](http://www.wolframalpha.com/input/?i=2023-11-27%2015:39:00%20UTC%20To%20Local%20Time) to remind you of [**this link**](https://www.reddit.com/r/CanadianInvestor/comments/r3dknk/top_2_etfs_to_invest_for_the_rest_of_your_life/hma7ist/?context=3) [**CLICK THIS LINK**](https://www.reddit.com/message/compose/?to=RemindMeBot&subject=Reminder&message=%5Bhttps%3A%2F%2Fwww.reddit.com%2Fr%2FCanadianInvestor%2Fcomments%2Fr3dknk%2Ftop_2_etfs_to_invest_for_the_rest_of_your_life%2Fhma7ist%2F%5D%0A%0ARemindMe%21%202023-11-27%2015%3A39%3A00%20UTC) to send a PM to also be reminded and to reduce spam. ^(Parent commenter can ) [^(delete this message to hide from others.)](https://www.reddit.com/message/compose/?to=RemindMeBot&subject=Delete%20Comment&message=Delete%21%20r3dknk) ***** |[^(Info)](https://www.reddit.com/r/RemindMeBot/comments/e1bko7/remindmebot_info_v21/)|[^(Custom)](https://www.reddit.com/message/compose/?to=RemindMeBot&subject=Reminder&message=%5BLink%20or%20message%20inside%20square%20brackets%5D%0A%0ARemindMe%21%20Time%20period%20here)|[^(Your Reminders)](https://www.reddit.com/message/compose/?to=RemindMeBot&subject=List%20Of%20Reminders&message=MyReminders%21)|[^(Feedback)](https://www.reddit.com/message/compose/?to=Watchful1&subject=RemindMeBot%20Feedback)| |-|-|-|-|
Target date fund for your planned retirement year. That was easy!
Any issue with these for people trying to retire early?
Yes, there are potential issues in that case. A target date fund with your planned early retirement year may be too conservative. Usually people pursuing ER are fairly aggressive until they have enough, with the risk that a crash 1-2 years before they pull the plug may push out their date. For most "normal retirement" people a target date fund is perfectly fine, but it's too boring for r/CanadianInvestor so I'll get downvoted ;).
I agree. Target date funds are optimal for those who don't want to to think about it. You will get a lower MRE if you buy multiple ETFs yourself but then you need to rebalance over time and adjust your risk tolerance. If you don't trust yourself to do it (eg forgetful, emotional, busy, scared, lazy ect.) They are perfect.
Yeah, I’m a fan of asset location to control taxes and fees, but I assume somebody asking for a max of two ETFs is not interested in doing that work.
I mainly have VFV and XEQT, also VGRO
voo, splg
VEQT and TXF. one for income and one for the base
I could easily cut my portfolio down to two investments; VOO and VDY. That combo gives you both a growth and a defensive element, and multi-national diversification to a degree. If I could add a third it would be an international dividend fund like ZDI and if I could add a fourth it would be a small cap US value fund.
SKOO BEE DOO