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Пікірлер
@BenthamLuther-b8g 3 күн бұрын
Homenick Hollow
@Kritikanbringer 4 күн бұрын
Does Excel actully deal correctly with the time/date input column?
@wl03bu 5 күн бұрын
This was very useful. I have my money in a target date fund, but seeing the worst 20 years return made me nervous. Looking at the asset allocation of my target date fund, I feel like it is taking more risk than I am personally comfortable with. I will consider moving to a target date fund with date earlier than I actually plan to retire.
@VanillaCherryBread 6 күн бұрын
I have a 3 fund portfolio but I have finally decided to invest in ETFs, alongside. I’m looking at SCHD, VOO, XLK or SCHG.
@barbborstein7640 6 күн бұрын
Great picks! You can't downplay the power of VOO and SCHD, even combined they compliment each other nicely! ETF portfolio setups is the most worry free way of investing
@inkheart124 8 күн бұрын
Why no mention at least of VEA? At least to explain the fact it has the difference of including about 10% Canadian equity - so you could use that if you accounted for the Can-con it adds to your portfolio.
@JustinBenderCPM Күн бұрын
@inkheart124 - There were many U.S.-listed international equity ETFs that I didn't mention, as this channel is targeted at Canadian investors (and they already have plenty of Canadian equity exposure). As well, holding Canadian equities via a U.S.-listed ETF (like VEA) would be tax-inefficient for Canadian investors, as the Canadian dividends would not retain their tax characteristics (i.e., they would not be eligible for the Canadian dividend tax credit).
@inkheart124 20 сағат бұрын
@@JustinBenderCPM Good point about the tax inefficiency aspect of CAD stock in VEA. Thanks!
@Chris-ew9mh 8 күн бұрын
So if some of my Fidelity accounts have a +186% money weighted return for a 5 year period I must be doing something right! 😎
@Kritikanbringer 4 күн бұрын
Keyword: "some"... ^^
@MariaH-bu5or 10 күн бұрын
Subscribed! Glad I came across this channel on Blossom.
@yarimaezra 17 күн бұрын
Simple and easy to understand. Thanks for the awesome video!
@omardiaztv 20 күн бұрын
Thank you!!
@myspanishcountryhome 20 күн бұрын
Thank you for the great video. I started off with the E-series funds from TD (which I still have but don't contribute to any longer) but switched to XGRO last year. For me it was a no brainer, same asset allocation but no need to constantly rebalance every year or, having to decide which of the 4 funds got my small contribution. With XGRO it's only 2 or 3 contributions during the year and leave it alone. Easiest and most profitable investing I have ever done.
@adrianm398 21 күн бұрын
Is there a video that talks about how much foreign currency exposure (US) is too much for a Canadian investor? If all the non-Canadian equitites are purchased in USD (lower MER, RRSP, assuming no FX fees), a Canadian investor might easily be over-exposed to a foreign currency...
@JustinBenderCPM 13 күн бұрын
@adrianm398 - This video might be helpful when understanding your foreign currency exposure (Quick comment - it's the underlying currency of the market - not the currency the ETF trades in - that determines your FX exposure): kzbin.info/www/bejne/emnan6V6f7R5grs
@ruocaled 27 күн бұрын
Beware they have changed the UI quite a bit. You might end up buying and sell the same thing. Make sure you manually enter different symbol for sell instead of select "sell" button on your current holding.
@FrozenShield 29 күн бұрын
It's 2024 and I just tried it and it worked. Followed @hbrar9886 instructions as well. Instead of doing a limit trade I would recommend doing a stop limit trade so that you can sell it within a range. I put my order in on a weekend and dlr.u went up so I had to wait until it went down which took until the end of Monday. So either do stop limit trade or don't put in an order on the weekend.
@gmarks1559 Ай бұрын
Wouldn't ACB just be 'book value '?
@bobesfanchi Ай бұрын
Hi Justin, I have a question. If you do this in a regular account meaning NOT TAX SHELTERED, are there any tax implications? doesn't seem like it since buying and selling price is about the same, correct?
@JustinBenderCPM 13 күн бұрын
@bobesfanchi - Unfortunately, there would be some tax implications. You could need to convert the USD purchase or sale amount for DLR.U to CAD, using the FX rate on the settlement date (T+1 now).
@ksn98 Ай бұрын
I saw around 3 videos before landing here none of them was this much clear thanks a lot
@diana7676 Ай бұрын
How do you do in numbers , apple
@Marcus-zp4xp Ай бұрын
What about US stocks??
@einzuwasu5563 Ай бұрын
There are so many finance channels that produce worthless mass content, meanwhile this properly researched gem of a video only has 10k views...you did an amazing job recaping the arithmetical reason for guarenteed index performance, great job!
@starcraft2lotvandsomething750 Ай бұрын
MEQT & MGDV
@russellhunter8460 2 ай бұрын
This etf is not even remotely good in any shape or form. Heck a 40/60 Voo/jepi is better than that.
@anoutinabil 2 ай бұрын
Thank you for this! Great video, Justin. Quick question: it seems like VEE's holdings now indicate direct shares of the companies versus an investment in the US ETF. Did it also transition? Is it now thus more interesting given its lower MER?
@JustinBenderCPM 2 ай бұрын
@anoutinabil - Unless the official financial statements of the fund now show the individual stock holdings, VEE still just holds VWO (the company websites can be a bit misleading).
@mellymelly9415 2 ай бұрын
You're a smart guy .
@DonSmith-v2t 2 ай бұрын
Thank you for this video. The website has changed but the instructions are still applicable.
@willbobig 2 ай бұрын
Great video as usual! Justin: just to be clear, there would be no benefit (outside of MER) to hold VEA over VIU in a RRSP account? I believe since VEA was updated with a ~9% Canadian equity complement, that the tax drag difference is now negligible, but I still can’t decide if the MER alone is a better reason to hold VEA. Note: other RRSP holdings are VTI, VWO, ADUV, ADVD. Merci.
@JustinBenderCPM 2 ай бұрын
@willbobig - If you already hold U.S.-listed ETFs in your RRSP, you could consider holding something like IEFA/IEMG to avoid Canadian equity in VEA...if this is what you're shooting for. This would lower your MER and could be worth it...as long as you avoid high FX costs by using Norbert's gambit to convert currencies.
@willbobig 2 ай бұрын
@@JustinBenderCPM Thank you sir. Greatly appreciate you.
@frannymoretta8890 2 ай бұрын
Great video ❤
@auslander1026 2 ай бұрын
I guess that will not work with a family type of RESP (common stocks pool with split ratio between beneficiaries) ...
@okechukwuutazi9373 2 ай бұрын
Awesome video
@John-nx9hx 2 ай бұрын
Really good explanation. Thanks
@80goal 2 ай бұрын
Your video clearly says go VBAL or GIC! Honestly I was willing to put some money on your VEQT but your video made me change my mind and I'll put the money in ZQQ (SP500) instead of VEQT
@willbobig 2 ай бұрын
Interactive Brokers is definitely the way to go when managing currency!
@jamesmckinney1868 2 ай бұрын
Great video! I think another consideration is that breaking up the all-in-one could create opportunities for lower foreign withholding taxes, if you swap some of the holdings. For example, if holding VEQT in an RSSP, VUN can be changed to VTI, and VEE can be changed to VWO (since VEE doesn't hold the emerging market stocks directly).
@justc3863 2 ай бұрын
Thanks for the great video! I see you've put a warning of DLR now settle T+1. Will this still work in Jun 2024? Thanks
@hercules1345 3 ай бұрын
That is an absolutely genius explanation. I had a hard time understanding this concept until I watched this video. Thank you for your time!!
@pundlikgawade5143 3 ай бұрын
Internal transfer between a Canadian and US dollar account. $9.95/security*
@chrishsiung-fb1jz 3 ай бұрын
no longer works
@evertonweekes5829 3 ай бұрын
Love your videos. Wow! I need your opinion. I am trying to build my ETF portfolio with $20k 70% to XEQT. Then, for dividends, should I choose the XEI 30% or should I just keep 30% XSP... Your opinion is greatly appreciated.
@newtown5698 3 ай бұрын
Hi, Thanks for this video. I just opened these accounts for my kids (12 & 9) with rbc, they told me that they have to manage the account and charge the MER at 1.94%, my question is can I manage RESP myself or really has to be managed by the bank? Thanks
@AL.BUNDY. 3 ай бұрын
Ty for providing us a step by step Norbert's Gambit tutorial. I read ur name as Justin Bieber
@mikemaer 3 ай бұрын
Thank you for simplifying this overwhelming (to me) topic!
@miscetc-tm2yt 3 ай бұрын
XEQT in an RRSP for long-term growth, as the only investment? Or QQQM (NASDAQ 100) for perhaps more growth?
@luckylex12 3 ай бұрын
Your videos are high quality and easy to understand! Thanks
@odourboy 3 ай бұрын
A potentially significant shortcoming of this allocation is that much of the tax loss harvesting potential is lost by holding equities in the registered accounts. Comments?
@JustinBenderCPM 3 ай бұрын
@odourboy - I agree this is a shortcoming. Charitable giving potential with equities in non-registered accounts is also reduced.
@odourboy 3 ай бұрын
This seems counter-intuitive to me.. I'd have expected the least tax efficeint bond holdings to belong in registered accounts. Has anyone tried to calculate the aftertax return of minimizing fixed income in non-registered accounts?
@JJ-qp6jw 3 ай бұрын
I am 40. I will have a pension, no kids, and own my home current value 800K I’ve never invested. I’m 15 years from retirement and want to “Die with Zero” What would be best? I’m slight above average in risk but if I I lose some investing. I don’t think it will impact my retirement or lifestyle. I was thinking of going more aggressive since I don’t have much worry about future money VGRO, VEQT
@chloev15 3 ай бұрын
Another easy to consume content, thanks for another great video, Justin! How does this apply to Canadian-listed ETF holding foreign stocks directly like the ZSP in the non-registered account?
@Larissa-Raphaela 3 ай бұрын
Amazing video, A friend of mine referred me to a financial adviser sometime ago and we got talking about investment and money. I started investing with $120k and in the first 2 months , my portfolio was reading $274,800. Crazy right!, I decided to reinvest my profit and gets more interesting. For over a year we have been working together making consistent profit just bought my second home 2 weeks ago and care for my family.
@Larissa-Raphaela 3 ай бұрын
@madidi_26 Victoria Carmen Santaella,
@Larissa-Raphaela 3 ай бұрын
@madidi_26 Victoria Carmen Santaella
@Larissa-Raphaela 3 ай бұрын
Lookup with her name on the webpage
@TJCanada 3 ай бұрын
What about XAW and VXC in RRSP and XEQT in TFSA?
@heysamko 3 ай бұрын
RE: ROC - if I buy VGRO in Q3, do I need to add the ROC from Q1 and Q2 to my ACB?
@toastedbread5985 Ай бұрын
no
@Helix5370 4 ай бұрын
Going back through your archives! Great video Justin 👍