![]() ![]() Wealthsimple Trade, a real user reviewįurthermore, since the two portfolios are still small in dollar amount, whenever we receive distributions from the ETFs, it is not possible to DRIP additional shares. However, this became quite tedious, especially whenever we wanted to rebalance the portfolio. To avoid the 2% Questrade exchange rate, we would utilize Norbert’s Gambit. Because VTI and VXUS are traded in USD, when we purchase these stocks, we have to exchange between CAD and USD. While I liked the multiple-ETF approach, we started to encounter a few problems, mostly with Baby T1.0’s RESP. Since both kids are still young, I have decided to hold a small percentage in bonds. Vanguard Canada Bond Index (VAB.TO) – 5%įor both of these RESPs, the idea is to have a high international exposure.iShares All Country ex-Canada ETF (XAW.TO) – 60%.Vanguard Canada All Cap ETF (VCN.TO) – 35%.Vanguard Canadian Short-Term Bond Index ETF (VSB.TO) – 5%.BMO Equal Weight REIT Index ETF (ZRE.TO) – 10%.Vanguard Total International Stock Market ETF (VXUS) – 30%.Vanguard Total Stock Market ETF (VTI) – 25%.Vanguard FTSE Canada Index ETF (VCE.TO) – 30%.XAW in detail, we switched from VXC to XAW. We originally went with VXC because I liked Vanguard but after comparing VXC vs. When Baby T2.0 was born, ex-Canada ETFs like VXC and XAW were available. This meant we had to utilize ETFs traded in the US stock exchange, like VTI and VXUS. Back then, there were no ex-Canada ETFs trading in the Canadian stock exchange available. When Baby T1.0 was born, the Canadian Couch Potato’s model portfolios used a five ETF fund approach for constructing a balanced investing portfolio. ZGRO, which one would come out ahead? And VBAL vs. We started to wonder, which all-in-one ETF is the best for our kids? VGRO vs. in our dividend portfolio, we have been looking to simplify our kids’ RESPs. Furthermore, these ETFs provide investors with a complete global indexed portfolio, so you get both asset and geographical diversification.Īlthough we don’t use these all-in-one ETFs like VGRO, VBAL, XGRO, XBAL, ZGRO, ZBAL, etc. Since they are all-in-one ETFs, there’s no need to re-balance regularly. What I really like about these ETFs is that they are simple. I typically suggest building up an investment portfolio that consists of a solid selection of ETFs before venturing to the world of individual dividend stocks. Lately I have come to appreciate the all-in-one ETFs – so much that I have been recommending new investors to start off with these all-in-one ETFs rather than buying individual dividend paying stocks. This strategy provides us with a predictable monthly dividend income as well as asset and geographical diversification. As many of you know, we deploy a hybrid investing strategy where we invest in both dividend paying stocks and index ETFs.
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