I would like to see a video comparing nasdaq and sp500. The pros and cons of each
@CyclingDad2 ай бұрын
I opted for CASH instead of the bond funds for my temporary hold of cash waiting to deploy. Works nicely with a drip as well. VFV has been very good to me, along with the US equivalent VOO. I know there’s lots of overlap with VFV, but I also do VTI/VUN.
@robhruska76112 ай бұрын
@@CyclingDad i use CMR same sorta fund as CASH. Better than ZAG for sort or long term.
@AhhhSukeSuke2 ай бұрын
Same. Hold in CASH until I see a dip for a dividend etf.... currently at 4.95% return
@thanks4that2612 күн бұрын
Yeah good call, bond funds are still volatile
@troysapara789224 күн бұрын
As a reminder, you will need to hold VOO in your RRSP to avoid the 15% withholding tax.
@martin.quirion.auteur22 күн бұрын
but are those savings on the dividends still worth it considering the currency exchange to USD for an RRSP in CAD ?
@Ss-ml4mf19 күн бұрын
No one is explaining that part also vfv
@Hilts93117 күн бұрын
@@martin.quirion.auteurnope. Best to take the hit on the 15% tax on dividends.
@MoementumFinance2 ай бұрын
XEQT in da house 👑 Let's go 😃👊
@tonysilke2 ай бұрын
I believe every Investor should start with ETFs for a solid foundation, then diversify across asset classes and maintain disciplined, regular investing to minimize risks and maximize growth.
@brandobond2 ай бұрын
I'm all in on VFV. Over the next few years I'm hoping to max out my TFSA in that one fund then hold until retirement!
@Matthew-t2c2f2 ай бұрын
im with you on this one. Been in Canada for 2 years and going to open a TFSA account with wealthsimple and go all in on VFV. Max it out with 2022,2023,2024 & 2025 contribution room around $26.5k. One big lump buy or spread it out over 26 weeks?
@brandobond2 ай бұрын
@@Matthew-t2c2f Most people would say it is better to do dollar cost averaging (so spread it out over a long term) but I would be tempted to just yolo while the market is down and do a lump sum ASAP.
@NullDogmaАй бұрын
@@Matthew-t2c2f DCA is always a good idea.
@tanhue1265Ай бұрын
@@Matthew-t2c2f lump sum does better, google why
@harshpatel850926 күн бұрын
Growth and Dividend stocks on TFSA, put long term investments in RRSP w/drip on. diversification is key. after 10 - 15 years ull see that your growth or dividend account is big enought that ull prolly receive good monthly income just out of dividends. offc. age is a factor.
@MiguelYeara26 күн бұрын
Hi. I would like to see for each ETF mentioned, where it is better to hold them and why: Non-Reg, TFSA or RSSP?. Thanks.
@steevengingras408725 күн бұрын
TFSA no tax RRSP taxed when you pullout non-Reg pay taxes annually on returns added to you income. TFSA should be your first investment account, then RRSP depending on your retirement plans… non-regs great for day trading or higher risk investments… thats my understanding
@Po1010802 ай бұрын
Hey Brandon, good choices but I'm wondering why I would choose ZAG/CASH if I could choose ZMMK? ZMMK has a 5% yield and the ETF is basically flat/fluctuates in a predictable manner all the time. Wouldn't this be better than ZAG alot?
@StandUpForCanada18672 ай бұрын
Agreed I'm invested in ZMMK also and IMO is safer than ZAG or bond ETFs in general
@Po1010802 ай бұрын
@@StandUpForCanada1867 Ya my exact thinking too, but be cool to see what Brandon thinks :P
@rh31082 ай бұрын
Cash and money market funds will always have a lower expected return than bonds. Someone with an stock/bond portfolio will have a higher expected return than a stock/cash portfolio. ZAG also has a higher probability of beating inflation long term.
@StandUpForCanada18672 ай бұрын
@@rh3108 there's "expected" vs "actual" returns and my actual returns on bond ETFs have been down for me personally - even when factoring in the dividends
@nguyenphuongchang392521 күн бұрын
@@rh3108but riskier, is it not?
@paulcatarino22092 ай бұрын
Maybe I missed it in the video, but what would be the percentage each fund in a portfolio (for beginners)
@mohammedlayes92482 ай бұрын
Thank you for your channel! If you don't mind me asking, how do we receive dividends? Does it get deposited into the account we buy the stocks from?
@kingjop90962 ай бұрын
What about QQC?
@Sniper1million2 ай бұрын
QQCL
@abhiarora67872 ай бұрын
Can you please suggest which platform i can use to buy aNd hold for long term withoit extra expense
@turntablesrockmyworld9315Ай бұрын
I would suggest convenience. For example, I use RBC since I do most of my banking through them and it is easier to learn and monitor.
@phyllis28662 ай бұрын
You should have shown us QQQ and a covered call ETF, instead of the bond ETF. No one even buys bond / fixed income ETFs anymore unless you're like 90 years old.
@Carol86932 ай бұрын
Great to see you back recording 😊 !
@raffaelebalenzano638529 күн бұрын
How you balance in each. Like % wise?
@Lylestyle-DIYАй бұрын
CBIL vs CASH, is one actually better than the other, and why ?
@Docbrut2 ай бұрын
If I’m holding VDY; would it be redundant to also be holding individual shares of BCE, CAS, ENB & T?
@Sniper1million2 ай бұрын
yes but could possibly make some nice swing trades with single stocks
@gangwolf8249 күн бұрын
is it ok to own zcn and zeqt?
@sezarkurd48432 ай бұрын
As a 39 years old what will be your advice for this 4 etf what should be percentage each one how much I should buy in percentage ?
Do we know the funds or stocks that will migrate to the Texas stock exchange next year? Any comment or concern about canadiam banks recently, especially laurentian?
@jimmydodds9659Ай бұрын
I would take VOO over VFV.
@stevendchuАй бұрын
Can you explain why?
@jimmydodds9659Ай бұрын
@@stevendchu VOO elects to actually purchase all 500 of the index’s stocks, . VFV simply holds VOO as a “wrapper.”
@Austin_PatrickАй бұрын
However there is a 16% withholding tax on VOO unless you invest in an RRSP
@blackgrandpa76522 ай бұрын
Im surprised their was no mention of hxq or another all tech etf that tracks the nasdaq 100 because tech is the future and its beat the S&P 500 the last 10 years😮
@UltimaWeaponz2 ай бұрын
tech is overvalued and i believe will underperform value stocks for a few years. A few other guys have done some good analysis on this - XEQT vs NASDAQ. Btw Im a software engineer at big tech company.
@roberttaylor35942 ай бұрын
I have some cash in CASH...seems like an okay place to park it. and was looking for a fixed income bond type option...
@vinny2k_9 күн бұрын
great simple video thank you
@miguelandrade956720 күн бұрын
I'm in Canada If I buy shares in the VFV ETF, do I have to pay 15% of interest (tax) because it involves US companies?
@lastofusclips529118 күн бұрын
are you talking about the withholding tax? the tax only applies to your dividends.
@shaunanolan917516 күн бұрын
@@lastofusclips5291 Yes, only applies to dividends however, depending on what's the right fit for you, you can hold VOO in an RSP to avoid the 15% withholding tax. Again depending on when your retirement goal is, and weather or not you are expected to see your annual income increase or decrease / long term short term etc .. but VOO in an rsp will avoid the tax (but do the math on exchange rates and what your total investment would be as well) :)
@RonMcinnes17 күн бұрын
Are hxq and tec suitable for my tfsa
@sebastienhecht73732 ай бұрын
I have a portfolio with VFV (30%), ZNQ (25%), XEI (10%), XEQT (10%), HTA (15%) and ZWB (10%). I'm 58% exposed on technology in order to growth. What do you think guys about it? :)
@markpeters43932 ай бұрын
too much overlap bruh
@sebastienhecht73732 ай бұрын
@@markpeters4393 Between HTA VFV and ZNQ right? I agree, I'm looking for new ideas to optimize that
@ridicdonk2 ай бұрын
XEQT should be the highest weight for sure...could just go XEQT and VFV and be happy in the long run...
@G_Ellis60620 күн бұрын
Switch to VOO and SCHD
@pradeeshma2 ай бұрын
Happy to see you back after a while. Just curious why ETF - TD Global Technology Leaders Index (TEC) doesnt make it in the list. Please clarify
@robhruska76112 ай бұрын
How does ZAG that is down 14% over the past 5 years and down 9% over its life time preserve wealth?!?🤔 you would be better off putting your money under your mattress.
@robhruska76112 ай бұрын
@@filb WRONG!! Bonds have typically been to preserve wealth needed for the nearer term like retirement, when you have a long time before you need the money then you invest more in equities. im also looking over the life of the fund how much longterm can i get! If i was retired like they were talking about this would be a major blow to my portfolio. In Retirement youre looking at short term needs, if you want to look at long term, every asset class on the planet has performed better over the long run. They would have been better using CMR or CASH as an example.
@ron.mexico.2 ай бұрын
Look at ZAG today buddy. That’s why you own it. Sometimes there are things called recessions happen.
@robhruska76112 ай бұрын
@@ron.mexico. LMAO! Wow! Its up .6%.😂 it is still down 13.6% over the last 5 years. If i was a retiree a i put a good chunk of my savings in this 5 years ago my money would have lost 30-40% of its value to inflation and another 13% to the fund so in essence i would have lost 50% of the value of my money. .6% 😂🤣😂🤣
@rostyslavkozhushko58412 ай бұрын
Basically like the whole market. Just bunch of corrupted bastards! May as well just play casino.
@rh31082 ай бұрын
ZAG has a weighted avg duration of over 7 years. The fact that you're focusing on 5 years means you don't understand the purpose of the ETF. Second, it''s nowhere near close to being down 13% over 5 years. As per usual, novice investors focus on the ticker price while ignoring the distributions. ZAG has a positive return over 7 years and is roughly flat over the last 5 years. The purpose of aggregate bond ETF's is to reduce the volatility of your portfolio while providing monthly income. ZAG has a much lower standard deviation compared to ZCN while having a positive nominal return.
@abaldwin60592 ай бұрын
I think its not worthwhile investing in a Canadian ETF. Pick an individual bank, energy company and railway, then focus on all US, stocks or ETFs. My ETF choices MGC, IXN and Moat.
@jordan.h68212 ай бұрын
VFV is canadian but they are focused on the USD market?
@juselara022 ай бұрын
@@jordan.h6821vfv is the Canadian version of Voo. It is esentially the same holding
@denverd5132 ай бұрын
US stocks or etfs are subject to 15% taxed at the time of withdrawal by US govt.
@guillaumelabonte27022 ай бұрын
They are some canadians etf based on US sectors tho
@abaldwin60592 ай бұрын
@@denverd513 15 percent witholding tax on dividends
@patusoro47814 күн бұрын
Should a person be concerned about the fund company? For example, XEQT is an iShares fund, consisting of other iShares funds... should something happen to Blackrock, would this be a problem... or am I over thinking it?
@BrianBrooks-r8v2 ай бұрын
CASH for your cash? When a share is $50+ for a 4.67% ann dividend return. Really recommending this?
@turntablesrockmyworld9315Ай бұрын
I'm confused by this advice too.....I would just buy short term GICs which are currently up to 5 percent and just park $$ there and ladder them if rates continue. Thoughts?
@Gluteus.Maximus2 ай бұрын
Id be interested in a video on ETFs focusing on different geographic regions. Im bullish on asia specifically japan/china and south america and india. What are the best options for those regions
@bbarraulАй бұрын
Personally I love ZID (ETF with Indian ESG compagnies) beat VFV this year !
@laura2372 ай бұрын
Great video! And great app! I actually joined Blossom last month and have enjoyed learning from the community! I've spent hours just lurking on others' perspectives on investing! I'm invested in 3 out of the 5 ETFs you mentioned - VFV, XEQT, and CASH. Also, instead of ZCN, I'm in VCN. And no bonds for me... Yet.... 😅
@hubertfontaine232416 күн бұрын
please do a video of nasfaq 100 with difference with xqq and xqqu
@fenixxx563 күн бұрын
Would you buy CASH in a non registered account for a short term goal or even park your emergency fund in there? What are your thoughts?
@alexsosalegend12 күн бұрын
Why would you buy the last etf CASH , when you just put in a bank account like KOHO and get 5%
@remelynbagaslao10323 күн бұрын
thanks much ❤
@elbertcordero33542 ай бұрын
Why would you tell new investors, assuming they have lot of time in the market, to invest in bonds when you can find better return with more blue chips stocks ?
@stevendchuАй бұрын
Bit new to investing, but what is the difference between VFV and VOO?
@etiennesimard967326 күн бұрын
vfv tracks voo but in canadian dollars, essentially it's the same thing.
@alizesssss23 күн бұрын
@@etiennesimard9673 What if I buy VOO from Canada being Canadian resident? Is there any extra charges or taxes?
@etiennesimard967323 күн бұрын
well places like Wealthsimple will charge 1.5% to change your cad to usd to purchase VOO, if i were you id get vfv or zsp in cad, let it go up and wait for a possible US crash and then convert to usd at a better rate. I'm no advisor but 1cad to 0.73 usd is bad right now. I am of course not accounting for how US stocks would perform with a strong cad, but thats beyond my skill.
@barbaraulitsky8292Ай бұрын
Your explanations are very understandable. Thank you so much!
@clarifyingquestions2 ай бұрын
Hold forever? like BABA?
@beaviswealth2 ай бұрын
Ow :(
@derekcox65312 ай бұрын
😂 cold
@1wordsnst27sdkai2 ай бұрын
BUYING THE DIP!
@juancruz6023Ай бұрын
Thank you for your information !!
@johnstutt59272 ай бұрын
Love VFV.
@leagueplays21002 ай бұрын
VOO is better than VFV
@williamkot26702 ай бұрын
vfv did me good my average is $86 a share😮
@roberttaylor35942 ай бұрын
Looking good, Brandon!
@denverd513Ай бұрын
Vfv and xeqt holds US companies so these ETFs are subject to 15% with held tax no matter what coz these are Canadian ETFs with US holdings.
@bud19172 ай бұрын
Dude, I just want to say I truly appreciate your time explaining things thoroughly and in depth. I'm a beginner investor and found you on Blossom and now on KZbin. Again, thank you for your knowledge and time. :-) so far I've invested in VFV and XEQT.
@nicetryson2 ай бұрын
The simpler the better ! ;)
@lekang81792 ай бұрын
I think nowadays you must have semi ETF, like SOXX
@gregpenner62192 ай бұрын
I like TPU , TTP, TGRO
@tanhue1265Ай бұрын
Hey Brandon, or anyone who would be coming to answer. Sorry for a basic question, because these ETFs hold American stocks, are they applicable to the 15% withholding tax? Thank you in advance Really enjoy this channel. Great video!
@lastofusclips529118 күн бұрын
only for your dividends which shouldn't amount to much overall
@TheKrave12 ай бұрын
What about HDIV or HMAX ?
@Blayne-vq7sl2 ай бұрын
Those are income style ETFs, not index.
@TheKrave12 ай бұрын
@@Blayne-vq7sl thanks for answering. I guess I didn't know the difference.
@Sniper1million2 ай бұрын
Why not HYLD ? it has HMAX and other Hamilton ETF
@Blayne-vq7slАй бұрын
@@Sniper1million again, those are income style ETFs, not index
@Guri_3438Ай бұрын
👍🏻👍🏻awsum video really liked it. Keep up ur good work👍🏻👍🏻
@A74803942 ай бұрын
What is the "capped" when ETFs have that in the title?
@jordanosborne50332 ай бұрын
usually it means they wont allow any individual holding to go above a certain % of the fund,
@A74803942 ай бұрын
@jordanosborne5033 thanks! Appreciate it, and your content.
@BarbDesautelsCalgaryRealEstate2 ай бұрын
Great video, Brandon.
@apple851262 ай бұрын
Hi, Im Canadian, New to the investor world. I have purchase schd and a bit of vdy in my tfsa account, i have noticed when you purchase a american stock there is a 15% withholding tax plus the mer of schd is 0.06%. Should i continue investing into both these stocks or one of them?
@RidlysEmptyNetter2 ай бұрын
Schd should be held in your rrsp, then the 15% withholding tax is waived. Only hold Canadian etf's in your TFSA.
@brandongerofsky48172 ай бұрын
I think that depends on your end goal. Maybe the want to use the income directly in the future, and that 15% tax is not an issue.
@apple851262 ай бұрын
@@RidlysEmptyNetter Ok, In your rrsp don't you get taxed when withdrawing from the account? Thanks
@RidlysEmptyNetter2 ай бұрын
@apple85126 Yes, you do. But your tax is a flat rate...not an extra 15% withholding tax. RRSP is the only vehicle where you can have US holdings & not pay the 15% withholding tax. So it's best to keep US holdings in RRSP and Canadian holdings in your TFSA.
@nickc53412 ай бұрын
@RidlysEmptyNetter what about canadian efts that have some allocations in the US market? Are those efts ok to have in a tfsa or will it be subject to the 15% withholding tax due to the US allocations?
@kaizokud422 ай бұрын
What is the difference between bond and GIC?
@colinlau57952 ай бұрын
I think the main difference is Bonds are issued by Corporations and or Governments. GIC is issued by banks and or credit unions.
@cichlidxtanksss2 ай бұрын
good to see you back.
@tjromanishen7411Ай бұрын
This was great. Thank you for the great video!
@Factsmatter20002 ай бұрын
Interesting enough you did not mention one of the most successful fund. Well, it is not really a fund. Berkshire Hathaway.
@surreycase2 ай бұрын
Great video, ETFs for dummies like me 😊.
@alexandre_martins_29 күн бұрын
Great!
@edwinb.2756Ай бұрын
great vid. I appreciate you taking the time to do this, cheers
@christopherliarakos28482 ай бұрын
fantastic video!
@AlreadyAUser2 ай бұрын
Sold my Vanguard Stock after I found out how much war they fund.
@Sniper1million2 ай бұрын
no one cares
@kodypilger2 ай бұрын
Bmo zmi is a good etf. Also I invest in shares xpf rather than a more expensive etf
@anne-mariel325612 күн бұрын
Thx as always! my trusted YoiuTuber
@francescoiaderosa22472 ай бұрын
Why are you jipping those 4 companies? Say it like it is, bro. There's 504 companies.
@hugosmith67762 ай бұрын
etf's created in the 80's? after a billionaire lost his chit paying mutual fund "fees"
@BarbDesautelsCalgaryRealEstate2 ай бұрын
I love this video. I just started investing for myself, and I own a few of these. Since I am older, I will look at the bonds ZAG.
@donyaschuk65382 ай бұрын
VFV friends that low fee is courtesy of the master John Bogle. There should be a freakin statue of him on Wall Street. Brandon i'm surprised no mention of Harvest. I'm going all in on HTA. Cheers
@G_Ellis60620 күн бұрын
Why would you keep your investments in CAD$$? Horrific advice
@pmc899 күн бұрын
Can you please elaborate?
@G_Ellis6069 күн бұрын
@@pmc89 Having all investments in only 1 currency is risky. I would highly recommend holding some investments in USD. Example....rather than investing in VFV hold VOO
@songxuefei57302 ай бұрын
need more cash to buy more 😀
@nacre62332 ай бұрын
Wonderful picks Brandon. I hope life is treating you well. Many younger investors have never seen the value of including Bonds in a portfolio as the interest rates have never been falling like we anticipate now. All the way back to 2007 (6.25%) dropping rates to 2009 (2.25%). In 2008, market correction was 30+ percent down in all stock categories while bonds returned +6%. Bonds then continued to outperform US Large Caps from 2009-2012. Looking at Bond returns in last 8-10 years not the proper comparison IMO. I think they definitely have a place in balanced portfolios now.
@kushcaliberАй бұрын
the markets are going to crash. You'd be buying all these at the top
@momo354442 ай бұрын
Glad to see you Brandon!!! I hope you and your new family is doing great! your father is great as well. did you get a dog or cat?
@beaviswealth2 ай бұрын
Feels good to be back… no new animals but the same 2 cats and 1 dog from a few years ago! Cheers momo
@Canucks_swag17 күн бұрын
Set it forget it that’s not true even ETF. You need to monitor them if things go south then you will stuck with fund 😂
@florendogomezcasuga70432 ай бұрын
Lol. VFV + XQQ and VCE
@mellymelly94152 ай бұрын
I have these etfs. it never disappoint. Thanks alot for the show
@appplejacks2 ай бұрын
I'm new to investing and I came across AGNC which has a 14% yield. Is something like this too good to be true or is there simply higher risk?
@miyamotomusashi76392 ай бұрын
it's dividend yield not dividend growth, actually the growth of that company has been on the decline since 2012, meaning you're getting less and less from the dividend even if they increase dividend yield to attract more people to buy their stock. I'm not big into dividend investing but if I were to buy a dividend stock I'd want it to have a good track record of company growth and not a lifetime of decline (its down 49.22% of its value since its inception in 2008), also reasonable dividend yield (14% sounds like a company desperate for cash).
@Sniper1million2 ай бұрын
Lot of split funds out there will provide that kinda yeild but are high risk
@newdeal_992 ай бұрын
QQQ
@saintpreferred92233 күн бұрын
Don't recommend channel..
@JoeSmith-pu9hi2 ай бұрын
Great video. Good you don't leave it all to your dad to do.
@danadennis73932 ай бұрын
Brandon has a young family. His Dad may have more time to dedicate to the channel. They are in different seasons of life.
@phyllis28662 ай бұрын
XEQT is way too diversified. No need for that much diversification. Pass. MER way too high.
@Z1TM2 ай бұрын
what would be a better Canadian ETF with low cost MER
@Sniper1million2 ай бұрын
This is the way.
@JomarAndMarinaJourney2 ай бұрын
l
@roman_r-q2uАй бұрын
wow, bro is getting older...thanks for video anyways