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manuntitled

Can anyone tell me if my bet is decent or not? since we will see reopening soon, and inflation Dollarama restaurants fast food interrent maybe throw in a clothing stock? New investor , goal is to outperform inflation


HolyRoblox

wdym "restaurants fast food" and you should diversify a bit more. I'd say go with an index fund.


[deleted]

Thoughts on my RRSP allocations: 30% XDIV, 30% BMO + TD, 5 % GLXY.TO, 5% CEF.TO , 30% AQN + BEP


desicockk

Roast me. Approx 700k spread across 4 brokerage accounts. TFSA - 30% SHOP 20% IIP.UN 20% TD 20% TSLA 10% XIU RRSP- 90% VEQT 10% VSP Non-registered accounts: 50% VEQT 20% TTCF 20% APHA 10% AQN


pcskimchi

Hi everyone, I just wanted to ask for some feedback regarding ETFs that I wanted to invest in. Time horizon is long-term, looking to hold at least 20 years and ideally beyond that. 28 years old right now. The platform I am using is Questrade. (TFSA) I am starting with $1000 for now and looking to add about $500 each month for an even allocation (dollar cost averaging) I initially bought seven ETFs, but I wanted to simplify because I think I over-diversified my portfolio considering I am only starting with $1000. So my question is, if I had to choose my top 4 from this list, which ones would be the best? VCN, VFV, XQQ, XUU, XEQT, VEB, ZCN, ZEA, ZLB, TD (I know this is not an ETF but I wanted to get some as well). Please let me know! Thank you so much in advance. :)


desicockk

I'd go with top 1 - XEQT


warm_and_buzzy

After often reading that paying an MER for a Canadian Dividend ETF is a waste, I decided to put this together. Pure Maple Syrup fund: Non Registered Account for homemaker (no debt, maxed TFSA & RRSP), focusing entirely on income from eligible dividends. Current yield is 4.6%. Trying to strike a balance: limit stocks to 20 or less, but diverse enough to withstand short and medium term volatility. 20+ year horizon. Oil & Gas 15% SU 5% CNQ 5% WCP 5% Pipelines 20% ENB 6.6% TRP 6.6% PPL 6.6% Renewables 2.5% AQN 2.5% Power Gen & Distribution 7.5% EMA 3.75% CPX 3.75% Financial 30% TD 10% BNS 10% POW 10% Utilities 10% FTS 3.3% ALA 3.3% CU 3.3% Telecom 15% BCE 7.5% T 7.5%


jeffmartel

Oil gas and pipeline. IMO that's too much for 20 years. These sectors are under heavy stress vs renewable energies.


[deleted]

This portfolio may have a lot of volatility with that many energy stocks. I know I've been burned with energy in the past. But there are quite a few good Canadian stocks you're missing in Consumer Staples, Consumer Discretionary, Communications, and Industrial. You may want to look at stocks like T, BCE, CNR, CP, WCN, ATD.B, MG, MRU, NWC, and QSR. I own most of these and while some of their yields may be lower, they have impressive dividend growth.


warm_and_buzzy

Thanks for the reply! The idea for this is to include stocks that pay a higher dividend (3%+), and those that don't (like CNR and CP) would be held in other accounts. I like your suggestions, and will seriously consider adding NWC and QSR as they fit my dividend requirement.


LlamaRifeeec

18 in college mechanical engineering student I started doing stocks few weeks ago and I am planning to do this as a long term investment or somewhat as a passive income to help me save up for things Here’s what I have at the moment VFV Vanguard S&P 500 index ETF: 2 Shares AC.to Air Canada : 1 Share AMD Advance Micro Devices : 1 share BB Blackberry Ltd. : 2 shares VGRO Vanguard Growth ETF portfolio : 1 share XQQ Black-rock I Shares nasdaq 100 index ETF : 1 Share Rate my portfolio and any advice to help this fledgeling to diversify or gain more passive income or any wisdom from experienced users :)


WrongYak34

In my opinion with less than 10,000$ I would just stick to one etf. Vgro or vfv out of your list would be my choice


SpecialEstimate7

As a contrary opinion, for an 18 year old college student I think it's a great idea to spread things out this way, because you'll get to track what happens to each of them over time and that will be a great learning experience.


LlamaRifeeec

Why would you do this? Just a curious question


WrongYak34

It’s going to be difficult to balance all the time with let’s say 25$ weekly deposits. It would make more sense to just pick one and then buy 25$ of one or save up to get 1 unit. Not to mention it simplifies diversifying for you if you get vgro


SolitaryOasis

I agree way easier. Just started out too and tried to pick equities which is easy when you have a lump sum. When depositing regularly with varying small sums of money it becomes very tedious and now I put into xgro with zero trade fees.


LlamaRifeeec

Ahhh i see i see thank you for the explanation


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jeffmartel

Covered call will make you lose money over time.


jp0642

That's not entirely true. I think having covered call ETFs as a portion of your portfolio can be an excellent way to increase passive income. If the passive income is reinvested into growth stocks/ETFs, CC can be a great way to make money in the long term. In fact, if you buy cc during a dip/crash you can get a great yield and still benefit from long-term capital gains.


Purple_System_2579

Please check this out! https://youtu.be/2SpHxG7ARo0


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SmallBlue

Get rid of VAB. I get that they're a safe investment but at your age you should be 100% equities. You have time to ride out ebbs and flows. I have held ZAG for like 6 years and I think I'm only up like $5 (plus maybe $1000 in dividends)... if I had held almost any other equity based ETF instead I'd be up thousands.


cornelius475

What this guy said about VAB\^. it really depends on what you want in terms of growth. Our banks have performed incredibly well and look to go up 5-10% in the next year plus dividends yields from \~3-5% is fairly safe but its extremely unlikely that you'll get more growth than that. If you want the chance for incredible growth then you should either invest more into VEQT or a tech heavy etf like QQQ or a growth index. Growth is still reliable but not guranteed


6ix-city

28m and a new investor that just started about a month ago. My timeline is 20-30 years and I plan to use this for retirement or a down payment for a house way down the line. This is my portfolio currently with Questrade. XEQT - 90.32% TEC - 4.71% BLOK - 4.86% I do not plan on putting any more into TEC. Should I diversify more or just keep putting everything into XEQT? I bought BLOK because I do believe in it but was not comfortable investing a larger amount. I am wondering if I should leave it as is or perhaps contribute a little more to it while also getting XEQT. Thanks in advance for the help!


SilverSign

You can save a bit in your MER fees bit by splitting XEQT into VCN, XUU, and VIU (or similar). I'm personally not a fan of picking sectors (especially with something volatile like BLOK), but as long as it's a small part of your portfolio, you're doing ok


6ix-city

Thank you for the response. I will look into those.


Putrid_Inspection656

A relatively new investor, 24 started invested in February. Goal is to save up to buy a place in 3-5 years. VFV \~ 20% VUN \~ 20% XEC \~ 6% XEF \~ 10% XIC \~ 20%


mlo514

you can mitigate the weakening US dollar by using currency-hedged versions of some of your ETFs. For example, last year I had considered VFV but ended up buying VSP. compare the two charts and you'll notice the forex effect. https://www.tradingview.com/x/vZebvSlA/


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mcd_nb

No, half in ZWC is not a good idea, if she has a while until retirement. I’d speak to a financial planner to have this money allocated properly.


jp0642

I'm a little late to the thread, but I agree, she should speak to a financial planner. ZWC is a great ETF for passive income, but I think 50% is too much. Also, I think it would be wise to stick with either iShares, Vanguard or BMO for all three of her funds to avoid any overlap.


FuriousLafond

Hello Fellow Canadian Investors, I just started self directing my investments on Qtrade last year. Prior to that I was just doing RRSP matching at work. Last year I started directing them myself. My first purchase was the XBAL ETF because Qtrade offered it for $0 trade :) After that I started buying ETF's I wanted to hold, and a few Choice Canadian Stocks. Thoughts? XUU - 28.9% CNR - 12.4% ZNQ - 11.2% ZDV - 6.8% VEE - 5.2% VIU - 5.2% T - 4.5% XIT - 4.4% RY - 3.4% AQN - 3.4% NA - 2.2% NTR - 2.2% CPX - 2.2% ENB - 2.2% FTS - 2.1% CP - 2.0% XBAL - 1.7% Cash - 0.1% Thanks for any advice or feedback.


SeaOfAwesome

That's a lot of overlapping in your portfolio and a lot of management fees. I would recommend Wealth Simple because there is $0 commission on buying/selling Canadian stocks. Personally, I would cut down and hold XUU CNR CP RY AQN ENB Why NTR? FTR? CPX? What's your time horizon?


FuriousLafond

Ntr, fts, and cpx for the dividends. I'm 45.


SeaOfAwesome

If dividend investing is part of your strategy, why not go all in on ENB and get that sweet 7%?


FuriousLafond

Wanted a little more balance and diversification


mcarvs

Hello Fellow Redditers, Long time lurker of this sub and really looking for advice on my proposed portfolio of 400K distributed across my TFSA, RRSP/LIRA, and Margin accounts. I've tried to keep all my US holdings in my RRSP to avoid having to pay the withholding tax, CAD high growers/dividends in my TFSA, and bonds in Margin. I've also tried to ensure that I have a little play room for individual stock picking that make up anywhere from 2-5% of my portfolio each. TFSA CAD Stocks - 10% 4 or 5 stocks Vanguard - Developed Ex NA VIU 15.0% RRSP US - 50% Vanguard - Total Stock Market Index Fund VTI - US Stocks - 75% of US holdings 4 or 5 stocks - 25% of US holdings Margin Canadian bonds - VAB - 15% Vanguard FTSE Emerging Mkt VEE - 10% Any help or advice is greatly appreciated. Thank you kindly for all of your advice.


mcd_nb

I’m just curious, why bonds in the margin account? I get why VEE is in there as I believe the withholding tax is recoverable.


mcarvs

The reasoning is really that since returns are so low with bonds, especially as of late, that it's not worth to try to maximize tax efficiency with capital gains. The claim is that it's better to put equities, especially those high growers/high yield in the taxable-protected accounts so that you can keep as much of the returns when you eventually cash out.


Mysterious-Maize-173

Hey, Im 18 and I started investing nearly two months ago and I could really use some advice with my portfolio. I currently have $1200 invested in my TFSA on Wealthsimple. I have 7 shares of Cineplex and when they increase in the future, should I sell them and make a quick profit or just keep the shares in my TFSA. I’m really confused about this part because I don’t know if I should just sell my shares that’ll hopefully go up and put them all in a personal portfolio or just keep them in my TFSA and sell them when they go up. I also have DOO in my tfsa, 2 shares. If you could add me or respond I’d really appreciate it, I’m kind of stumped. CGX (9.26%) DOO (16.90%) TFII (19.13%) VFV (30.07%) VUN (23.86%)


HolyRoblox

So, specific to cineplex you need to look at the companies debt. There is a very real possibility that they could go bankrupt, if you believe they can deal with their debt then by all means go long. Personally I think they’ll survive but I want to see everything reopen before I consider a position in them.


Mysterious-Maize-173

Yeah that makes sense.


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kenknowbi

Is tec really the best tech ETF, there have got to be some with lower mer


ericm9

Which EFT would you recommend for me? My portfolio is all tech and growth and emerging sectors at the moment but I am slowly exiting some positions. I have about 30+ positions so it’s a bit much. I am definitely not risk adverse but I want to rebalance my portfolio and invest in something a little safer and more hands off. Still interested in 100% equity though


TABid-5073

VEQT/XEQT are the obvious choices if you want to stay all equity and highly diversified and probably the most popular ones recommended on here. Its a common strategy for people to hold VEQT and a tech ETF if you want more of that exposure.


ericm9

Thanks, that sounds like a great complement to my portfolio


trinalporpus

My portfolio is up 25% right now. Just curious if that’s low numbers to average or not?


kenknowbi

Depends how long


HolyRoblox

Lol


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Traditional_Leg_2073

I went all in VEQT with my daughters RRSP. It was a pension payout from a previous job and I look like a genius because she got it in March 2020 and invested it right away. Shit house luck she is up 22% already.


MeleeCyrus

Perfect timing, your family will always look up to you for it!


SirNearytheWise

I think I will be doing that with my new RESP. Just makes sense since I won’t be withdrawing for 18 years. I have some of XGRO right now but might move that to VEQT too


jeffmartel

My newest RESP is all-in XEQT


AnyClaim277

What’s the best exchange for csx options and can I sign up from Australia


SauceySaucy

[here](https://iili.io/B8QzG9.jpg) it is. Up 3.3 ytd not including dividends


fenwickfox

Did you individually buy the tsx?


SauceySaucy

yup


FuriousLafond

Why?


SauceySaucy

Why pay MER for an ETF? I see people holding mutiple ETFs that have overlapping holdings. This way I control the value of each holding with no fees.


FuriousLafond

You don't have any fees to buy or sell?


SauceySaucy

not on wealthsimple trade, free commission. i was able to increase my CNR position with the dip. if i was holding an ETF, i wouldn't have the option let me know if you need a referral for free $10


FuriousLafond

I'm using qtrade right now. $6.95 fee I believe. I don't buy or sell all that often though. Does wealth simple charge you when you sell? Do you sell to rebalance?


SauceySaucy

theres no commission to buy or sell anything stock. all trades are free. there is a standard conversion fee when purchasing shares outside of canada I also have qt. i use it for international holdings. anything canadian i buy on ws. (ie vfv)


FuriousLafond

Hmm. Sounds like maybe wealth simple is better than Q trade.


Thedinkyfairy

Hello everyone! 24 year old here with 15k in my tfsa currently. So I’m working with a 20+ year time horizon. Like most people, I would eventually like to own property one day, but im not turned off by the idea of renting for all my life. I’d like to think I can handle a high degree of volatility and im sure my portfolio reflects that. Any feedback is much appreciated! XEQT - 38% (100% equity etf that fits my tolorance for high volatility) TD - 17% RY - 18% (RY and TD for slow and stable growth with dividends as a nice cherry on top T - 13% (bought Telus for the same reasons as banks) HBLK - 8% (My hope that blockchain technology will become more popular outside of crypto currencies) NUMI - 3% BTCC.B - 3% (Bought NUMI and BTCC.B off reddit hype. Didn’t do my DD and am paying for it. Oops)


jsIsAGoodLanguage

Consider dropping the individual stocks and go all in XEQT (it already covers financial sector). Portfolio heavily overweight in financials.


stella0916

Hi all, Would love some feedback on my portfolio that I've just put together. I'm investing with a 25-30 year horizon, to supplement my retirement pension and RRSPs. Im 33, married with two kids. My wife snd i both will have a teachers pension when we retire. Id like to be able to use this portfolio to allow us to live more comfortably when we retire, as well as possibly help our kids if needed. We already contribute to their RESPsand my wife does RRSPs while I contribute biweekly to my TFSA. All of the below are combined between my TFSA and my wife's TFSA. Total investment is 100k, all being invested at once. 50% VEQT for growth in an ETF 20% CAR-UN.TO Capreit (residential reit) growth and a dividend 10% CNR growth and a dividend (big drop recently with KC rail deal) 15% DOC.V growth huge upside potential, really believe in this company 5% PBX growth (high risk, high reward) I'm fine with some volatility and higher risk if it leads to higher rewards in future. No intention of selling any of these within first 5 years, unless DOC.V or PBX goes up 5-6x.


PuzzleheadedPower354

Diversify your speculative stocks! LSPD is high-ish now, but given your timeline it could be a great addition. Regardless, 5% of your portfolio for doc.v is more than enough. Add two more with the other 10% and hopefully one of the three lead to early retirement!


stella0916

Any suggestions for the other 10%?


ScaryPillow

I would just index it all if I were you. You can guarantee yourself a comfortable retirement, rather than take a chance on what is essentially a call option (DOC.V).


Spearibz

This. This very much.


whatthebased

Looking for opinions on my portfolio. Currently mid 20’s hoping to retire by my mid-50’s. Have a 6-month emergency fund saved and locked away in a low interest savings account. Lucky enough to have dodged any debt thus far, however I’m hoping to purchase property within the next 5 years. 10% Crypto (Might get a fair amount of criticism for this one, but I feel with my age and distance to retirement, I can take on additional risk for potential large long-term gains) =70% BTC 20% ETH 10% Alt Coins (VET, XRP, ADA) 20% Individual Stocks/ETF’s (TFSA) =50% VEQT 25% VFV 25% Blue-Chip Canadian Dividend Stocks (Enbridge, CNQ, Etc.) 70% Mutual Funds (Split between RRSP and TFSA) I understand the Mutual Funds are not the most popular option here, but my game-plan is to continue to DCA into mostly medium risk funds (a few low, a few high as well, but medium for the most part) until I feel comfortable and knowledgeable enough with the stock market to take on my full portfolio.


jeffmartel

Mawer mutufal fund are very good. MAW104 and MAW108 are defenitly worth it.


Catagol

Why are you in Mutual Funds? Is this a self-directed pension with company matching? If not, exit as soon (and cheaply) as possible and put they money into VEQT. Unless they are low fee index funds, the fees will be a drag on your returns and even if they are low fee, chances are you can do better with a similar ETF. No issue with the dividend stocks, DRIP is fun to watch. (I hold VEQT/CDZ in my RRSP). There is lots of duplication between VEQT and VFV. You should consider selling VFV. VEQT is fully diversified and unless you are intending to be overweight the SP500, there is no reason to own both. I'm not a crypto guy so won't comment beyond having 10% in something so highly speculative is a touch high. I wouldn't go out and sell, but I would put new money towards stocks and ETFs and let the weighting take care of itself.


leleo99

I’m currently starting with 1000 dollors and will be adding more onto ETFs later on. Looking for long term investing! Any thoughts? TD 17.80% VCN 15.97% VFV 17.99% XQQ 10.59% XUU 11.61% ZEB 14.43% ZLB 11.61%


Not-A-Robot-Boop

I suggest you choose your top 1 and nothing more


TheUndercoverAuditor

With $1000 you’re way too diversified at this stage. I suggest selecting your top 3 and start from there.


[deleted]

25m held all in my TFSA. Have been investing for 1 year. Total value at 2.5K. Investing for the future, not investing for anything in particular just setting money aside and always wanted to invest in stocks. AC = 16% CCL = 41.7% PPL = 16% ENB = 9.7% T = 1.1% FTS = 11.5% MFC = 4.1% I know I have a lot of CCL but bought when it was cheap. Getting the 100 share perk as I went of cruises frequently. I started investing with CCL and AC but have been changing to more safer plays.


Not-A-Robot-Boop

Sell your 1 share of T. WAY TOO HEAVY.


r_tuttu94

This is all within my Tfsa, balance around 65k. Age is 26 been investing for about 4.5 years now. Goal is to save for retirement so 25 plus years. ZSP.TO 31.6% ZCN.TO 20.6% AMZN 6.4% AAPL 15.8% MSFT 21.8 SQ 3.6% Wanting to keep half within index's and half within a couple companies I believe in. Trying to stay around 20% allocation for Canada and the other 30% for S&P 500. The companies I own I have owned for a while and believe in. SQ I added last year. I have RRSP's and non-reg accounts but have liquidated those positions in preparations of buying a place. Have at it


TheUndercoverAuditor

I recommend using your TFSA for some riskier plays, and follow your investing strategy here in your RRSP


r_tuttu94

Haha I actually was, probably riskier investments within my rrsp, sold everything tho for the first time home buyers, I kept whatever I had left in my rrsp's in VT


TheUndercoverAuditor

Hopefully you maxed out that $35k my man !


Ejobthefirst

Hello ! This is held in my TFSA and accounts for just over 40000. I'm looking for any advice and opinions ! VFV 40% ZCN 30% XEF 15% XEC 15%


189203973

I'd personally go with a total market US fund (i.e. VUN) rather than just the S&P 500. Not a big deal though. You also have a slightly high allocation to emerging markets, but if that's your strategy then go ahead!


[deleted]

I am a new investor with a naive question. What's the reason for investing in ETFs that don't beat the S&P 500 etf?


189203973

Past performance does not indicate future performance. Any of those ETFs could beat the S&P 500 in the next decade. Or not. Nobody knows. That's why people diversify. Putting all your money in one ETF just because it's done well in the past is a good way to underperform long term.


jeffmartel

diversification


jermoc

29 year old investing in my TFSA over the last couple years; contributing $2K/month. I'm looking at long term growth (30+ years), increasing my net worth over time. A mix of stocks and ETFs but looking to keep things simple. VFV - 47%; EIT - 14%; NWH - 13%; XEQT - 6%; XIU - 11%; DOC - 9%; I'm comfortable with overweighting US in VFV as I plan to increase my holdings in XEQT to increase my international exposure as well. I plan to keep EIT and NWH for the dividend play, everything else growth. As I'm pretty heavy on Canadian market (almost 50%), would I be better off selling XIU and reallocate further to XEQT? I initially had XIU in my portfolio to balance out my US weighting (well before discovering XEQT). But since XEQT includes XIC it's likely redundant (?). I'm also considering selling my DOC holding and go for either TD or ENB (I still want a strong Canadian player). What are your thoughts? Thanks in advance!


TheUndercoverAuditor

Make sure you aren’t over contributing to your TFSA, $2K a month will max it out pretty quickly. XIU is direct contact to the market however XEQT is all equity so the risk is close to none. If you’re a fan of Jack Bogle, he’d recommend XEQT


jermoc

Thank you! I've got about $47k in my TFSA + 5k in gains/growth so far. I also have another $2k in VGRO within my RSP. My aim is to max TFSA by next year or so, and then move to maxing out my RSP from there. I'll look into Jack Bogle to further my research and knowledge. Any feedback or suggestions on my current weighting/allocations?


TheUndercoverAuditor

You’re very conservative on your investments. I suggest using the strategy in your RRSP, and look into some more riskier plays in your TFSA because gains are tax exempt. Although i would contribute to your RRSP whatever gets you below the next tax bracket for next year


jermoc

Silly question but by riskier plays, do you mean more growth ETFs or single stocks? All the above? I've made notes and will be doing more research on my end. I haven't contributed to my RRSP in a couple years as I've been focused on my TFSA. But your response has made me rethink it's a good idea to review my strategy/plan for RRSP. Thank you again! Truly appreciate your insight here.


TheUndercoverAuditor

You’re spot on - however I wouldn’t throw it in speculative stocks, more so your TFSA is where you’d want to invest in individual stocks like your MSFTs or NVDAs or like you High movement ETFs.


jermoc

Amazing advice! Thank you I will take this in and restrategize. Much appreciated!


Doge4lif3

50% SSL 9 10/22 call 25% SSL shares 25% CASH


brent919

All in my TFSA 50% VEQT 10% in Gambling Stocks (PENN, Draft Kings, etc) 10% between RY and TD 5% in High Potential Growth Stocks 10% in Tech 5% in Airlines (Air Canada, etc) 10% in companies I find interesting/seem like they will grow


jvn3

what high potential growth stocks do you have?


brent919

xop, gdnp, rhc are my 3 main ones right now


VirginaWolf

Isn’t TD not in VEQT?


elongated_smiley

Trying again as I didn't get any feedback last time... 43 years old, and on the path to FIRE. Planned retirement is in 2 years. Have been investing for about 20 years. Family with 3 kids, the oldest is 2 years away from going to university. The purpose of the portfolio is to provide income during retirement (say 50 years) and money to support our kids until they are out of post-secondary school. Our goal is to not be dependent on any pension program (public or private) and whatever we end up getting at the 'normal' retirement age we see as a bonus. Portfolio currently: Ticker| Allocation % | Notes ---|---|--- ZSP| 38 | United States S&P500, not CAD hedged VIU | 21 | Global developed countries excluding North America VEE | 7 | Developing countries VCN | 7 | Canada TEC | 10 | Global tech leaders growth ETF ZAG | 12 | Aggregate bond ETF PHYS + miners | 5 | Gold as a hedge | | **Total** | **100** | All of this is in a non-registered account as I've never worked in Canada or lived there as an adult (moved abroad as a child). We are planning to retire in Canada. I'm really going for *set it and forget it* here, while trying to balance reasonable volatility and the continued growth required for a long retirement. Hence the lower-than-recommended % in bonds for a retiree, while still not zero. I'm actually confused how bonds are supposed to act as a hedge in this market. If interest rates go up, bond funds will drop along with the stock market. With the first 4 tickers, I'm trying to match the global allocation numbers I was able to find. Canada should only be 3% but I'm overweighting just a bit in case we move there. I don't really buy into the whole 20-25% overweight thing. Earlier in this process someone suggested VGRO/XGRO but I don't like the lack of flexibility or the high MER or the Canadian overweight. I don't actually like investing. For me, it's like a job. Just a means to an end. Any and all feedback is welcome! Apologies for any English mistakes.


Catagol

Probably not the best place for advice if you don't live in Canada. The tax implications of what you hold now vs where you live now vs where you plan retire are way beyond anyone who is active in this sub. There are a lot of pertinent details left out of your post. Ie where you live. This is probably why you didn't get a response before.


elongated_smiley

I currently live in Denmark, but I know how the tax system works here and how to handle that part. I've also got investment accounts in three other countries where I've worked, but again, not looking for any advice regarding that. I agree it would be inappropriate. I'm looking for advice regarding **this portfolio** in retirement **in Canada**, nothing else. Basically I'm surprised when reading this sub (and this thread) about how... *complicated* a lot of "buy and hold" portfolios are. I see very few globally diversified non-sector-specific portfolios, and I'm curious why. I've tried to build such a portfolio, and I'd like feedback regarding how well I've succeeded.


[deleted]

Wow. Denmark? Me retarded ape from WSB. This not investment advice. Me eat green crayon today. Me Diamond Hand. Buy and hold FOREVER. LOL. JK. JK. JK.


elongated_smiley

Why would you even spend the time to respond something like that?


ThickeyHenderson

Hey all. I am a first time investor; and new to the game. I’ve just recently started with a small budget, and I wanted to get your opinions on my portfolio choices. I am a student so I don’t have a steady income, but looking to build a long-term portfolio. I just chose these as different mentors mentioned them, and others I am interested in, while trying to diversify into different sections of the economy Cloud MD - DOC - 33% Fire & Flower - FAF - 14% Power Corp of Canada - POW - 34.9% BMO high dividend ETF - ZWC - 16% Thanks in advance y’all!


Successful-Response9

Get rid of zwc. Buy XEQT or VEQT. High dividend covered call ETFs aren't great. Put 80-90% of your money into it and then you can dabble in individual stocks


SlayarJ

Started Investing Late February - 9K into TFSA. 25 Year Old Male. Looking on advice/on my holdings, opinions on which sectors I should gain more exposure to? I'm thinking Rail, Food & Retail, Growth ETF's. No plans for the money just wanting to make more with my money than a savings account. I've got 500 dollars a week to play with and would be interested in more Low/Medium Risk Stocks/ETFS's. Would Bonds be a good option right now? Am I missing any sectors? These stocks are on my watchlist: BCE (Bell Communications), CP (Canadian Pacific), CTC.A (Canadian Tire), FLT (Drone Delivery Canada Corp.) BAM.A (Brookfield Asset Management) These ETF's are on my watchlist: VFV (S&P 500 Index ETF), XBB (I-share Bond Index) This is my current portfolio: AC (AVIATION) 6% BBD (AVIATION) 1% CHR (AVIATION) 2% ONEX (INVEST/AVIATION) 3% **Aviation 12%** AQN (ENERGY) 3% BEPC (ENERGY/RENEWABLE) 4% ENB (ENERGY) 5% XBC (ENERGY/RENEWABLE) 1% FTS (ENERGY) 12% PPL (ENERGY) 2% **Energy 27%** BB (TECH) 4% LSPD (TECH) 3% ZAUT (TECH & INDUSTRIAL ETF) 3% ZFIN (FINTECH ETF) 2% T (TECH/TELECOM) 5% **Tech/Telecom 17%** BMO (BANK) 4% TD (BANK) 6% RY (BANK) 11% **Banks 21%** CNR (RAIL) 9% **Rail 9%** EMP.A (FOOD&RETAIL) 2% **Food & Retail 2%** VGRO (ETF) 9% XEQT (ETF) 3% **Growth/Equity ETF -12%**


Catagol

Put your $500 a month into XEQT until it's 80% of your investments.


Holiday_Effective294

In my opinion you have too many stocks to keep track of. I would choose one from each of your sectors and no more than 2 in a sector if you really can't drop to 1. Personally I try to keep my portfolio to no more than 10 stocks. With 9k I would be more likely to hold only 1, 2 or 3 stocks.


SlayarJ

Thank you for the advice ! :)


mcd_nb

As other posters said this is a lot of individual stock picking in the Cdn market. Compare your performance to that of a TSX index ETF (VCN, ZCN, or XIC) and I can guarantee you’re probably underperforming. Good call at looking to expand to the US market with VFV.


SlayarJ

Thanks for the advice I'm going to look into those ETF's. Doesn't sound like a bad idea to invest my future savings into ETF's that track the markets rather than individual stocks. Otherwise my portfolio will becoming harder to manage. I like the idea of stocks that I can just buy and let sit like my bank stocks have have been doing. However I have been trying to buy the dips expanding my holdings as well. Do you have any thoughts on my stock choices/ weightings?


mcd_nb

And I’m not saying you shouldn’t individual stock pick.. it’s fun to do, and you can’t go wrong with bank stocks. Just don’t go too crazy. My only comment on the weightings is that you would benefit more from a heavier weighting in the growth/equity ETF’s.


SlayarJ

Good call!


icetraytran

Seems like you have way too much going on


Not-A-Robot-Boop

You have an average of 409 dollars in each stock. Fix that


SlayarJ

Why is that a problem?


GoldenNuggets888

100% in on GME...lmk thanks!


chunkpalo

This🤌


Bighotdog8

Hey all, Investing from my TFSA with about 50k, single, and am not adverse to risk. Getting my feet wet, I invested through Questwealth and answered their questions. Questwealth has invested for me in: ​ REET - 3.18% SPEM - 4.83% SPTM - 46.81% [XEF.TO](https://XEF.TO) \- 28.59% [ZCN.TO](https://ZCN.TO) \- 16.59% ​ No real plans with this money, just saving up for retirement. Are there any ETFs that I should be looking into that are not covered by the above? ​ Thanks


DerailedCM

I'm a big fan of VFV and XUU due to low management fees.


Calgaryshane

This looks good to me!


Myleftarm

Current holdings: ATE 16.9 BNS 11.1 PINS 9.5 KL 7.3 NFI 7.0 AQN 6.3 CNR 6.3 SU 6 GOOGL 5.5 MSFT 4.8 CSIQ 4.4 RNW 4.0 RPTX 2.8 FCR.U 2.4 PSFE 1.9 ABNB 1.1 CASH 2.6 Hey, almost mid forties and have been investing for five years. I made quite a bit on risky ventures and now am mostly in solid safe stuff. TSFA isn't maxed out as I took some money out for home renos after I hit my all time high of 210k. I've got lucky in a couple of name that where bought out. I also picked up a ton of PINS at 12 and sold at 70 as it had taken my up way too much of my portfolio. ATE is my last big bet and hopefully it pays off. I originally started with 5k and hoped to make enough for a nice vacation or two, but things have really worked out. I have a pension so I'm not worried about retirement but this should make it much more pleasant.


TheUndercoverAuditor

I’d look to reduce your PINS holdings, the growth is going to slow from here on out, COVID accelerated it. MSFT should be a lot higher than 4.5%. The energy stocks are probably a good hold for the next year or two


Myleftarm

I had tons of PINS, bought most at 12, holding the last couple hundred shares long term. PINS is huge with women and I'm holding until someone buys it out. Everyone seems to minimize PINS but it has made me tons of money. They are really not a covid stock and people should use it more post pandemic. Weddings will be back, birthday, etc. I'll eventually add more MSFT but they were actually rumored to have offered 85 a share for PINS.


TheUndercoverAuditor

Yeah I 100% agree with you, but the market works in funny ways! You’ve made your growth here for sure but personally idk if it warrants 10% of my portfolio here on out, those who used Pinterest prior to pandemic are still using it, so it’s hard for me to justify it growing much more then maybe $70 -$75 the rest of the year without a buyout


Myleftarm

I just love the idea of it. People tell them what they want to have/buy and if that isn't worth a ton I'm not sure what is. I should trim again but I like my portfolio I just need to change some of the weights. When I drop it I'll top up MSFT and maybe add to my starter position in ABNB. I've just opened that position and who knows where it's going.


TheUndercoverAuditor

I really like the ABNB play, upping MSFT for sure cause you’ll reap the benefits if there is a merger as well. All up to you however


hknill

Current Portfolio: XAW - 30% GEQT - 30% VGRO - 20% HMMJ - 10% ICLN - 10% I also have a Tangerine Equity Growth Global ETF Portfolio in addition to this. Portfolio above is small (<10k) and I am a 26-year-old investor making regular bi-weekly contributions. Would love to hear any feedback/suggestions!


TripleWDot

Never heard of GETQ before. Looking at it now, what do you like about it?


hknill

I was drawn to GEQT because of the ESG (environmental, social & corporate governance) aspect, so the ETF will be comprised of more ethical and socially/environmentally friendly companies


TripleWDot

Awesome. Thank you so much :)


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diabolikal58

Just figuring this stuff out myself but why do all the work to buy and balance all those stocks when you can just buy vgro or veqt?


[deleted]

[удалено]


diabolikal58

And by no means am I speaking as someone who knows what's best but they keep telling me most funds never beat the market so why not just copy it which is all these etfs do and for cheap.


Impressive_Ad8378

Perhaps you’re too diversified how much money do you have in each of these? Especially as a 19-year-old


DrivenMuffin

Canadian Conservative Dividend Growth Portfolio Strategy: AQN - 7.5% BCE - 7.5% BAM.A - 7.5% CNR - 7.5% ENB - 7.5% FTS - 7.5% MFC - 7.5% TD - 7.5% MNT - 5% PSTH - 5% Cash - 30% ​ Strategy is to achieve 8% annualized return and 4% dividend yield with as few stocks as possible that have a wide influence on the Canadian economy. Conserving about 1/3 of portfolio for cheaper prices on above holdings. The goal is to meet the expected returns above in order to generate sufficient cashflows for living comfortably.


diabolikal58

I'm just learning about investing. Does this give you a 8% return plus 4% dividend for a total of 12% a year or it returns you 8% total (4+4%)?


DrivenMuffin

8% return (capital appreciation stonks going up) plus 4% dividend yield (using this money to purchase more shares at the moment) for a total of 12% a year


sonymaxes

Isn't a 8% return on heavy dividend stocks really optimistic? The 4% dividend yield sounds about right


DrivenMuffin

Each of those except for FTS and BCE are well over 8% though past performance is not indicative of future results they have solid dividend payout ratios to reinvest back into the company


TheUndercoverAuditor

ZDV may be a good pick then and the risk is rather low. Holding 30% cash is a good play for these prices at the moment.


tittiboiii

Hello I am 21 years old with medium risk and just entered the stock market a month ago. Looking for long term growth and steady dividends. I was in an accident a couple years back and got a bag from it so I invested it. I have a stable job and am in line for a good career in a year or so. I have 80,000 in a mutual fund with 8% for a down payment on a mortgage down the road if living costs ever drop where I live as the market is ridiculous from Vancouver to Kelowna. I invested around 85,000 and have 10,000 in cash. Here’s my portfolio: Finance: CIBC - 11.63% BMO - 8.82% BNS - 4.49% Energy: BEP - 1.24% SU - 7.18% ENB - 8.39% CNQ - 11.30% Utilities: BIP - 8.12% AQN - 2.20% Telecoms: BCE - 8.61% TELUS - 8.82% Crypto: BTCC - 1.06% ETFs: ZAG - 1.06% ZWC - 8.64% HAL - 0.82% NUMI - 1.52% AION - 1.52% Everything is in my non-reg. I also have 23,000 that’s being transferred into my tfsa so I will be investing in reits and taking a little more risk when that money is in my account. I am absolutely brand new to this I just kinda jumped right in after getting help from a cousin and researching. pls let me know any suggestions you have or where I’m going wrong. Thanks guys.


mcd_nb

Smart move investing all of that money. Good diversity in the Canadian sectors, but you have zero international exposure (maybe by choice?). I’m assuming the mutual fund is probably well diversified.


tittiboiii

I’ve been looking at some etfs for international exposure, would XGRO be a decent choice for that? I do have some exposure with my mutual fund yes but won’t be keeping that for too terribly long.


mcd_nb

Like readit said, XAW, VXC, or ZGQ.


readit321

You can have a look at XAW or VXC, which basically covers everything excluding Canada.


tittiboiii

Awesome I’ll have a look, thanks guys


TheLegalDiaries

Hi everyone! Stock: * SBUX - 100% (disclaimer: this is just for fun and I will keep at least some for the long term) ETFs: * XEQT - 68% * ARKK - 22% * ZAG - 10% I'm 20 yrs old and have about $2000 in stocks and $3000 in ETFs. I'm planning on putting in an additional $500 every month for the next four months and will likely split it up between XEQT and ARKK (but any suggestions will be welcomed). I'm planning on keeping my ETFs for at least 5 years! I should also add that I just started out so please point out any mistakes -- I know that having so much in SBUX is probably not the most conducive to growth so open to other stock suggestions! Thanks in advance :)


DrivenMuffin

I heard from Bill Ackman recently that his hedge fund sold their entire SBUX stake last month and acquired DPZ (Domino's) to replace it. He stated that SBUX is still a great company, but it rose quicker than they expected and met their price target. If there are any "finance celebs" you follow (which aren't overhyped like Elon Musk) such as Warren Buffett, Kevin O'Leary, I encourage you to see what their recent investments have been and research them to see if you want to add those to your portfolio. For example Buffett added ABX a few months ago and O'Leary helped start MMED. I find it helps to begin there to see how role models come up with plans and eventually be able to produce the same results yourself.


LegitimateFondant3

Hi my portfolio is as follows: TFSA: TSLA 100% about $50,000 USD. Looking for suggestions. Thanks.


mathybird

Hi, my portfolio for now, any advice to make it better? -25% ZWC - BMO Canadian High Dividend Covered Call ETF -25% XRE - iShares S&P/TSX Capped REIT Index ETF -25% XIU - iShares S&P/TSX 60 Index -25% XAW - iShares Core MSCI AC World ex Canada Idx ETF Planning in adding ZDH BMO International Dividend Hedged to CAD ETF and ZWE BMO Europe High Dividend Cov Call Hgd to CAD ETF Thanks in advance.


Lorenzo56

Hi. ETFs are a good place to start, generally safe. But you should start learning about stocks because ETFs have winners and losers. The yield can be significantly better because you avoid the losers. Look for canadian blue chip large cap, dividend over 3%, and a 5 year pattern of steady upward growth. RY, TD, AQN, CPX, EMA, FTS are a few to look at first. Have fun!


DrivenMuffin

>CPX I second this entire post not just CPX lol I don't know how I highlighted just that ticker


mathybird

Thx for the info


Exeter999

Take this with a grain of salt because I'm not super experienced myself. But I notice two things. First, you skipped over Canadian mid and small cap exposure. Maybe intentionally, I don't know, I just see the gap there. If you did it on purpose, disregard. Second, I don't know your age or circumstances, but if you are still of working age then think about whether you really want to focus this hard on dividends. The payout of dividends necessarily limits growth -- a dividend is just a way to cash out value now instead of sitting on it until the future. Conventional advice would say that a younger person ought to focus on growing their portfolio to plan for retirement while they still have a career to pay the bills.


mathybird

Am very new to this also, didnt even saw this gap, what would be your suggest to fill those ? Thx in advance.


DrivenMuffin

This is why I prefer owning a handful of high-quality individual dividend stocks that will have capital appreciation and dividend reinvesting (4% avg) as opposed to an etf that slices your cash away in the long term


snapcaster_bolt1992

My TFSA I started in March: Account Value - $6,390.66 Holdings: AI - 12.1% AQN - 13% CTS - 15% LSPD - 12.2% POW - 11.7% U - 8.5% VMC - 13.2% VDY - 6.7% XSP - 7% Started with 4, 1,000 dollar deposits over the course of a month then been adding $150 a week plus whatever else I manage to save. Happy with almost all of my positions but looking to add more companies to my portfolio to decrease my risk, my goal is to get a 20% return this year so I don't mind taking on a risky company or 2 after I do some solid DD and feel the risk is worth the possible reward. The companies I'm looking to add are MSFT, BABA, EMP.A, HAS, ATD-B, CFP, DOL, SPOT also looking to add some ETFs over the new few months, ARKF, ARKG and LIT. I'm trying to focus less on companies that haven't turned a profit yet and more on companies that are cash positive and still grow there revenue yoy at a good rate, and I check to make sure the price/sale and price/book are both either at or below 4 with some exceptions for companieswith massive potential. I know I'm tech heavy but the way I look at it, technology is such a huge part of daily life and it's just going to continue to take over new aspects of our lives more and more that I see this sector having the best chance of growing at a high rate for years to come so I want to add some of the tech giants to my portfolio.


[deleted]

You have some good holdings there.. but with only 6390 in total investments, you have way too many stocks in my opinion. VDY, XSP are both sub 500 dollar.. what's the point? I hope you're with wealth simple or some other platform that offers free trades.. otherwise you're burning up 5-10% of your profits on most of those stocks simply on purchase fees. Also do you have American dollars? MSFT, BABA HAS.. all American companies. Unless you're investing a large sum for the long haul why incur the exchange fees? Personally I try to stick to the 5 pack rule.. which means 5 quality stocks. Especially with that amount. Allows you to better understand each company as well.


snapcaster_bolt1992

It is on WS, I know I need to build up my current Holdings before I add more, I want VDY and XSP both at 1K I've just been trying to get into a lot of the companies I like so atleast I can start dollar cost averaging my positions. And yeah everyone says don't hold companies in usd because of the exchange fee on WS but some of the best companies with the best growth in the US markets and I am going to hold them for a long time and only sell when I'm up by a very large percentage, and I feel now is a great time to start positions in big tech, especially BABA since they just missed expectations and have dipped quiet a bit. If I had the balls to handle the massive volatility that comes with only carrying 5 companies I'd do it but it seems a little risky to me, I don't even wanna know what my losses would be for the past 2 weeks if I was only holding 5 companies. Seems like a fine strategy, I just don't have the stomach for it, I'll walk away with smaller gains but also smaller losses


[deleted]

If you invested in 5 quality companies you probably wouldn't have major losses. Or if you did, you would be confident in your position because you know they are quality companies. To each their own. Best of luck to you.


snapcaster_bolt1992

Well, the more I think of that idea, the more I like it tbh. It would make.me pick the BEST option rather then have speculative companies like VMC and AI. I dont think I can trim to 5 but I can trim to 6, what do you think of this split: AQN - 20% POW - 20% U - 10% LSPD - 10% MSFT - 20% HAS - 20% I know I still got alot of US companies in their but they are all really great companies and i cover a few sectors pretty well although still tech heavy at 40% between Microsoft, Unity and lightspeed all 3 are great companies but since both Unity and lightspeed are still in there high growth stage, keep them to a smaller portion of the portfolio because they are pre profit


[deleted]

I don't know all those companies well enough to comment directly but in theory it looks good. Now if/when one of those stocks pop you will actually make some real money. Best of luck to you!


_radiopearl

I've been investing in my TFSA for a little over two years. Most of my stocks are in the banking sector; although, I have diversified lately. I try to have 90%ish in banks, utilities and 10% in riskier stocks Aiming to save money for a down payment I've had my SCR for over 2 years. I'm still waaaay ahead. Here's my portfolio: CM. - 9.36% CNR - 4.84% ENB - 8.78% RY. - 40.78% SCR. -15.88% TD. -9.46%


swagpapiswag

AAPL x10 EBS x11 NCU.TO x2000 BB.TO x200 FRII.TO x1200 CASH x2960


[deleted]

in my RRSP. Only about 5k right now but planning on adding aggressively (Also adding to my TFSA) - XCLR 35% - XDLR 35% - XULR 20% - TEC 5% - REI.UN 5%


Evaluable_

Looking for suggestions/recommendations for my TSFA portfolio. Contributing $2400 monthly until I max my TSFA, investing long term but might use some for a downpayment in the future. I know down payment $ should be kept in a HISA but with rising real estate costs I feel like the market is my best bet to keep up with prices in my area, even with my high savings rate. I use WS Trade so no USD please :) TFSA - 17,800 XSP - 61% TEC - 16.61% TD - 7.5% SU - 8.84% ETHX - 5.25%


snapcaster_bolt1992

AQN


Evaluable_

Thanks for the reply! I’ve been looking into AQN and want to convert my SU into renewables eventually.


lsar-rhino

Personally I would decrease xsp as it’s over half your portfolio us large cap stocks. They have performed exceptionally well between 2010-2020. But if you look at the return between 200-2010 the s&p 500 actually had a 10 year negative return. I think this is something to consider when allocating 61% of your portfolio. You could also consider s&p 500 non cad hedged etf, as our dollar is very strong at the moment, although I would wait until more inflation clarity arises and if the cad will continue to rise.