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Reader Questions – How do you rebalance your portfolio?

I receive a number of emails every month about my approach to saving and investing.  I’ll be the first person to acknowledge my investment strategies are not perfect but I feel, over time, the plan is good and the plan is working for us.  Here are some recent questions I received and my answers to them. I recently read you want to have more “core” for your “explore”.  What does this mean? You are probably referring to this post where I discussed my favourite equity Exchange Traded Funds (ETFs).  For us more “core” ...

The greatest retirement asset you’ll ever have

“The proper way to think about life insurance (and disability insurance, critical illness insurance, and even unemployment insurance) is a hedge for your human capital. – Moshe Milevsky, Associate Professor, Schulich School of Business, York University and respected financial author Your home is not the biggest asset of your life. If a 25-year-old earns a starting wage of $40,000 before taxes and works for 40 years, and receives a pay-hike of 2% per year, they can expect to earn almost $2.5 million during their working career and their annual ...

Reader Question – Should I invest directly in the USA outside registered accounts?

Readers of my site likely know by now I’m a fan of investing in dividend paying stocks and indexed Exchange Traded Funds (ETFs) to fund my financial freedom. I invest in dividend paying stocks for a few key reasons: I like it when companies pay me money every month or quarter, In many cases, these companies increase their dividends every year, providing some inflation protection, and In a non-registered account, the Canadian stocks I own qualify for the dividend tax credit. I invest in indexed ETFs for a few key reasons: To achieve market performance ...
Investing Advice

Rethinking this bond allocation should match your age formula

David Swensen’s book Unconventional Success mentioned that investors should construct a portfolio with monies allocated to the core asset classes below, keeping a bias towards equities: 30% Domestic Equity (VTI) 15% Foreign Developed Equity (VEA) 5% Emerging Markets (VWO) 20% REITs (Real Estate Investment Trusts) (VNQ) 15% U.S. Treasury Bonds (SHY) 15% TIPS (Treasury Inflation Protection Securities) Add up bonds and treasuries and that’s 30% fixed income folks. Many financial experts including a famous one, John Bogle, have stated as you ...

Top International Equity ETFs for your portfolio

Let every man divide his money into three parts, and invest a third in land, a third in business, and a third let him keep in reserve.” – Talmud, circa 1200 B.C.-500 A.D. Last month, I provided you some of my favourite Canadian equity and bond ETFs to consider for your portfolio.  While Canadian holdings in your portfolio are important if you’re a Canadian and you plan on retiring in Canada; using Canadian money for retirement income, they aren’t the only investments you should own.  This is because global equity investments can balance ...

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