Investing in U.S. Equity ETFs | VUN, VTI, XUU, ITOT

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DIY Index Investing with Justin Bender

DIY Index Investing with Justin Bender

Күн бұрын

Пікірлер: 54
@JustinBenderCPM
@JustinBenderCPM 2 жыл бұрын
100% of KZbin revenues received by the Canadian Portfolio Manager channel have been donated to SickKids Foundation. If this video has helped save you a few dollars on fees or taxes, please consider donating a portion of your savings to SickKids Foundation: www.sickkidsfoundation.com/
@HaonanGuo-cw2ff
@HaonanGuo-cw2ff 11 ай бұрын
Had to watch endless videos and not understand the core point, but now I got it when I found your channel! Thank you so much for such amazing explanations
@JustinBenderCPM
@JustinBenderCPM 11 ай бұрын
@HaonanGuo-cw2ff - I'm so glad the videos helped! :)
@luckylex12
@luckylex12 7 ай бұрын
Your videos are high quality and easy to understand! Thanks
@stevengn87
@stevengn87 2 жыл бұрын
What are your thoughts on investing in taxable accounts? Do you like horizons HXS or HULC? HXS has higher fees due to the swap, ie. mer 0.1 + swap 0.3 = 0.4%, however you get to recoup the withholding tax on dividends. HULC holds the investments directly and does not charge a swap, mer 0.09% but does not recover the withholding tax on dividends. Do you have a preference?
@JS-rg7vo
@JS-rg7vo 11 ай бұрын
can anyone explain the implication’s of a depreciating canadian dollar against the us dollar on the price of these securities
@sinantawfik1524
@sinantawfik1524 Жыл бұрын
5 year return for XUU vs ITOT is 64.64% vs 57.64%. Also, VUN vs VTI is 65.57% vs 58.37%. What is the reason for the tracking divergence if the hold they same assets?
@Inquisitive9
@Inquisitive9 Жыл бұрын
You have made the beat videos. Simplifying the investing and giving very practical tools. I always thought what is the difference between this and that ETF or should I buy a US ETF because the fee is lower. Also, the diversification is one of my major concern as I have so many different mutual funds, but they all seem to be impacted by the same large companies and have a very similar industry exposure. You have simple and practical answers to all these questions. Thank you so much!! How many ETFs, one should hold? How many mutual funds make sense. I am thinking of simplifying my portfolio.
@JustinBenderCPM
@JustinBenderCPM Жыл бұрын
@Fassel Hussain - Thanks! If you're really looking to simplify your portfolio, you can now purchase a single asset allocation ETF that holds all of the main equity and bond asset classes: kzbin.info/www/bejne/oJbLoKKueLyIZ80
@tribukahu9335
@tribukahu9335 2 жыл бұрын
Is ZQQ a good stock to consider as well?
@JustinBenderCPM
@JustinBenderCPM 2 жыл бұрын
@Tribu Kahu - ZQQ is extremely undiversified - nearly half of the fund invests in technology companies (so no, this should not be a core holding in a diversified portfolio).
@vicfontaine5130
@vicfontaine5130 Жыл бұрын
Another great video Justin, how do you feel about REIT's or REIT ETF's
@JustinBenderCPM
@JustinBenderCPM Жыл бұрын
@Vic Fontaine - They are already included in broad market equity ETFs, so there's no need to include a separate allocation to them within a portfolio.
@domr5976
@domr5976 2 жыл бұрын
Thanks for the video. How important are the microcaps in making a US Equity ETF selection? Why not just hold VFV over VUN ?
@JustinBenderCPM
@JustinBenderCPM 2 жыл бұрын
@Dom R - As discussed in the video, micro cap stocks make up less than 3% of VUN, so they are not expected to have much impact on the fund's performance. VUN also holds thousands of mid cap and small cap stocks, so it is more diversified than VFV.
@10forzamilan8
@10forzamilan8 Жыл бұрын
thoughts on my DIY etf portfolio of - VFV, XIU, VIU, & VEE being held in TFSA?
@JustinBenderCPM
@JustinBenderCPM Жыл бұрын
@Luca Valeri - Sounds fine, but you could also consider simplifying things by holding an all-equity ETF: kzbin.info/www/bejne/kJ3Qq3mpj9SJldE As well, VEE is subject to two layers of foreign withholding tax in a TFSA, whereas XEC is now only subject to one layer: kzbin.info/www/bejne/o5a6YoOcatqphK8
@10forzamilan8
@10forzamilan8 Жыл бұрын
@@JustinBenderCPM The reason for opting to go with separate ETF's vs the all-equity is because I want a higher allocation to the US market, more then 40%. Thanks for pointing out the structure change in regards to XEC. VEE does have a higher yield but does get dinged twice. Based on the updated XEC structure do you believe it has an edge of VEE going forward? Thanks
@10forzamilan8
@10forzamilan8 Жыл бұрын
plus considering i'm already in VIU which will have cross over allocation to south Korea + Poland.
@appl3weed
@appl3weed 2 жыл бұрын
Great and informative video! I'm curious how, or why, one might choose VUN over VTI (or vice versa) if they closely track the same results? Is it simply a matter of preference for a particular exchange to trade upon?
@JustinBenderCPM
@JustinBenderCPM 2 жыл бұрын
@Omar Abdelwahed - The next video (set to drop this Thursday at 9:00 am) will answer your question in detail, but it mostly comes down to taxes :)
@mrslcom
@mrslcom 2 жыл бұрын
Why is the Canadian index not well diversified like the US? Or does it not make much of a difference?
@JustinBenderCPM
@JustinBenderCPM 2 жыл бұрын
@Tanah Merah - Canadian companies are more concentrated in the financials, energy, and materials sectors than the U.S., leading to less sector diversification overall. The top companies in the Canadian stock market are also more concentrated than those of the U.S., leading to higher single security risk.
@needabusinessloanviewourch4817
@needabusinessloanviewourch4817 2 жыл бұрын
Thanks Justin.
@AdroitRoger
@AdroitRoger 2 жыл бұрын
Hello need your help in building my portfolios
@JustinBenderCPM
@JustinBenderCPM 2 жыл бұрын
@Roger Fed - You've come to the right place! Feel free to check out the channel for more helpful videos :) Also check out my model ETF portfolios page: Model ETF Portfolios: www.canadianportfoliomanagerblog.com/model-etf-portfolios/
@frankunderbush
@frankunderbush 2 жыл бұрын
I feel like the personal finance/DIY investing community should take over the use of HODL lol. Unlike silly crypto, it actually make sense to HODL index investments during downturns.
@hbs1231
@hbs1231 2 жыл бұрын
These videos are great. Well presented and intelligent.
@JustinBenderCPM
@JustinBenderCPM 2 жыл бұрын
@hbs - I'm glad you're enjoying them - thanks for watching :)
@olivierlapointe7753
@olivierlapointe7753 2 жыл бұрын
Great video thanks!
@russellmitchell
@russellmitchell 2 жыл бұрын
Thanks Justin
@nelfmo910
@nelfmo910 2 жыл бұрын
Great video - thank you!
@JustinBenderCPM
@JustinBenderCPM 2 жыл бұрын
@Nel Fmo - You're very welcome - thanks for watching! :)
@HamiltonRb
@HamiltonRb 2 жыл бұрын
I switched from individual stocks to etf's during pandemic. Since I am retired and don't need " the excitement" of 40% drops in the markets, I bought ZLB & ZLU which are low volatility etf's in Canada & the States, and have performed well so far. Your thoughts on either or both?
@JustinBenderCPM
@JustinBenderCPM 2 жыл бұрын
@HamiltonRb - As you know, I prefer low-cost, broad or total market ETFs. Their performance (relative to active strategies, like low volatility ETFs) is incredibly hard to beat over the long-term.
@HamiltonRb
@HamiltonRb 2 жыл бұрын
@@JustinBenderCPM I appreciate that but at 71 Im not really shooting for long term, just stability 😂
@JustinBenderCPM
@JustinBenderCPM 2 жыл бұрын
@@HamiltonRb - 🤣Gotcha - I'd probably have a healthy dose of GICs for stability then.
@HamiltonRb
@HamiltonRb 2 жыл бұрын
@@JustinBenderCPM I'm not that conservative to buy a lot of GIC's at todays rate, I just don't want the extremes. As a matter of fact, if you compare ZLU with the S&P 500 ( VFV) over the last 5 years, they end up in the same place without the volatility, same as if you compare ZLB with the XIU, same result. Thanks for responding.
@Andrew21882
@Andrew21882 2 жыл бұрын
ZLB dropped 28% and ZLU 23% during 2020 market crash.
@jwebes
@jwebes 2 жыл бұрын
VUN seems to be holding all the individual securities of the index now rather than VTI. I would suspect that Blackrock Canada may be in the process of switching XUU over to this type of fund structure as well (similar to how they have XEF setup) because the selection individual securities being held feels kind of random...
@JustinBenderCPM
@JustinBenderCPM 2 жыл бұрын
@Jacob Weber - Vanguard Canada's website is misleading. Although they list the underlying individual U.S. stocks, this exposure comes from VTI (Vanguard Canada is not purchasing individual U.S. stocks in VUN).
@jwebes
@jwebes 2 жыл бұрын
@@JustinBenderCPM Interesting that that's not made clear on their website. For one of the pairs of funds were there isn't really a difference between Vanguard/Blackrock I actually chose the Blackrock one because they have a better website!
@nelsonenegbuma6033
@nelsonenegbuma6033 2 жыл бұрын
Great video I hope I can get enough money to afford the services of PWL Capital
@JustinBenderCPM
@JustinBenderCPM 2 жыл бұрын
@Nelson Enegbuma - Thanks Nelson! In the meantime, we'll continue releasing online content, so this should help you make good investment choices until you're ready :)
@dennismicallef9350
@dennismicallef9350 2 жыл бұрын
@@JustinBenderCPM What a gentleman. I've hit the notification bell for the first time today. I don't want to miss a single video of this series. Great content.
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