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Couch potato investing for the last 12 years - tracking my progress

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  • Dec 13th, 2017 8:32 pm
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Newbie
Sep 18, 2017
31 posts
37 upvotes
Jungle wrote:
Oct 10th, 2017 4:21 pm
Congrats on your success!!

What funds do you use and I assume most of your portfolio is non-reg?
XIC, VTI, XEF, XSB. Over a million in our two RRSPs and the rest non-reg and TFSA. Non-reg growing quickly, another $40k going into the wife’s tomorrow.
Deal Addict
May 31, 2007
4421 posts
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FUMONEY wrote:
Oct 10th, 2017 6:03 pm
XIC, VTI, XEF, XSB. Over a million in our two RRSPs and the rest non-reg and TFSA. Non-reg growing quickly, another $40k going into the wife’s tomorrow.
Great choice I use three of same funds. Do you have any plan or strategy to deplete rsp and save tax?
Deal Addict
Jan 20, 2016
1433 posts
554 upvotes
Houston, TX
FUMONEY wrote:
Oct 10th, 2017 6:03 pm
XIC, VTI, XEF, XSB. Over a million in our two RRSPs and the rest non-reg and TFSA. Non-reg growing quickly, another $40k going into the wife’s tomorrow.
Just curious why do not replace VTI+XEF by XAW? You'd get automatic rebalancing and even a bit of small caps and EM with it.
Make the Trudeau drama teacher again!
Deal Addict
May 31, 2007
4421 posts
1527 upvotes
Was googling average net worth Canada. Stumbled upon Financial Post article quoting info from "Cap Gemini/RBC Wealth Management 2015 World Wealth Report" (3 years ago) study of net worth / investable assets.

*investable asset does not include real estate, or personal belongings. (car, jewelry, boat, etc)

298,000 individuals (1%) had investable assets between 1-5 million USD
30,000 ( 0.1% )had between 5-30 million USD investable assets
3300 had over 30 million USD investable assets


So for those with individual 1m+ portfolios, you are minority.
Deal Fanatic
User avatar
Sep 13, 2003
8773 posts
612 upvotes
Wondering opinion for Couch Potato ETF portfolio. http://canadiancouchpotato.com/wp-conte ... s-2016.pdf

Now I have RRSP, TFSA, and non-registered. What's the most efficient way to put what, in which account? I saw someone say buy ZAG in RRSP only. Other two, can buy in TFSA and non-registered. Or some people buy all 3 in each account. But than I have to pay $10 for each trade, using TD Waterhouse. I guess these things have to do with taxes?
One blind human - a tragedy
Ten blind humans - a disaster
One million blind humans - a statistic
Newbie
Sep 18, 2017
31 posts
37 upvotes
asa1973 wrote:
Oct 10th, 2017 7:08 pm
Just curious why do not replace VTI+XEF by XAW? You'd get automatic rebalancing and even a bit of small caps and EM with it.
Interesting you ask as I am about to move 50% of the kids RESP account to XAW. I may do that in the future for wife and I but for now happy with our holdings. Maybe its just that I love looking at the gains on VTI in our accounts! Smiling Face With Open Mouth
Newbie
Sep 18, 2017
31 posts
37 upvotes
Jungle wrote:
Oct 10th, 2017 7:00 pm
Great choice I use three of same funds. Do you have any plan or strategy to deplete rsp and save tax?
We will start depleting the RRSP's after I retire at 52-53. As there will likely be over $1.5M in our combined RRSPs at that point even taking combined $80k a year wouldn't do anything but prevent more growth. Will take enough each year to get us up to moderate tax bracket but I will still have business income after retirement as my equity is bought out over a period of 4-5 years. Mega taxation is a reality today and will continue in retirement. Having big fat non-reg accounts will help.
Member
Jul 27, 2017
499 posts
139 upvotes
GTA
FUMONEY wrote:
Oct 11th, 2017 8:17 am
We will start depleting the RRSP's after I retire at 52-53. As there will likely be over $1.5M in our combined RRSPs at that point even taking combined $80k a year wouldn't do anything but prevent more growth. Will take enough each year to get us up to moderate tax bracket but I will still have business income after retirement as my equity is bought out over a period of 4-5 years. Mega taxation is a reality today and will continue in retirement. Having big fat non-reg accounts will help.
That seems like a great plan.

So at 52/53 (6 years from now) your net worth will be in the $6 - $7 million range?

Will it just be you & your wife or will the children still be at home when you retire?

Any thoughts on how you will spend your time not working & being home with your wife 24/7?
Deal Fanatic
Jul 4, 2004
7233 posts
566 upvotes
Toronto
Opening myself up for some critique:

Started out on the CCP model with ZDB/XAW/VCN.

My RRSP currently holds XAW.

My TFSA holds all of the ZDB, some more XAW and a bit of VCN.

My Cash holds the rest of XAW, and most of the VCN.

I still have quite a bit of RRSP room remaining. I want to make a lump sum contribution and the rebalance everything, along with making my portfolio much more aggressive (I went a bit soft on my risk tolerance first go around and would rather see fluctuations in my portfolio rather than a bunch of bonds doing barely anything for me. I'm 33, I have time). Not sure if I should contribute just enough to push me out of the 26% tax bracket (i.e. to lower my income to under $91.8k) or if I should just throw all of it in there. Not sure to what degree ducking tax via RRSP contribution makes sense or whether it's at all a factor in how much to contribute vs just maxing RRSP if I can. It isn't a topic that is widely discussed here.

Open to thoughts on fund choice and allocation between accounts too. Thx.
Newbie
Mar 19, 2016
40 posts
14 upvotes
canada
FUMONEY wrote:
Oct 11th, 2017 8:02 am
Interesting you ask as I am about to move 50% of the kids RESP account to XAW. I may do that in the future for wife and I but for now happy with our holdings. Maybe its just that I love looking at the gains on VTI in our accounts! Smiling Face With Open Mouth
First off, very impressive and well done.

Do you do all the investing yourself or do you have an advisor? If so when did you start using them, if not are you going to?
Newbie
Sep 18, 2017
31 posts
37 upvotes
dustinsa wrote:
Oct 12th, 2017 7:44 am
First off, very impressive and well done.

Do you do all the investing yourself or do you have an advisor? If so when did you start using them, if not are you going to?
Had an adviser for a few years when I was in my late 20's, early 30's. Always found it hard to reach him and didn't love the product mix he had me in. Opened a self directed account and started reading about investing. Got serious about it only 8-9 years ago and started index investing in 2011. Now its my favourite hobby lol.
Deal Addict
Jan 20, 2016
1433 posts
554 upvotes
Houston, TX
FUMONEY wrote:
Oct 12th, 2017 8:59 am
Had an adviser for a few years when I was in my late 20's, early 30's. Always found it hard to reach him and didn't love the product mix he had me in. Opened a self directed account and started reading about investing. Got serious about it only 8-9 years ago and started index investing in 2011. Now its my favourite hobby lol.
Remember, professionals built the Titanic and an amateur built the Ark (c) Father Brown
Make the Trudeau drama teacher again!
Member
Jul 27, 2017
499 posts
139 upvotes
GTA
asa1973 wrote:
Oct 12th, 2017 10:14 am
Remember, professionals built the Titanic and an amateur built the Ark (c) Father Brown
+1

What do professionals know that jane/joe public doesn't, even the top 5 hedge fund managers?

Why not invest in what the hedge fund managers invest in?

(Jim) James Simons

https://www.holdingschannel.com/top/sto ... im-simons/

David Tepper

https://www.tipranks.com/hedge-funds/david-tepper

https://seekingalpha.com/article/409972 ... 017-update

or the 50 cent vix trader

http://www.businessinsider.com/vix-vola ... own-2017-8
Deal Addict
User avatar
Dec 14, 2006
2890 posts
160 upvotes
Montreal
I have already a TFSA investing CCP style with the assertive model for short term stuff as maybe a downpayment for a new house within 5 years.

I now opened a RRSP account on Questrade, transfering all my mutual funds to this. I am 32 years of age so my investment horizon for RRSP is still 20years+.
In what three ETFs should I invest ?

I was thinking those three :
  • iShares Balanced Growth CorePortfolio ETF
  • WisdomTree U.S. Quality Dividend Growth Variably Hedged ETF
  • iShares Core MSCI All Country World ex-Canada ETF
  • BMO Aggregate Bond Index ETF - 33%


33% Fixed income rest equities.

What do you think ? What would you do if you were in my shoes ?

I'm dropping 10K$ now and will drop approx 10-20k$ everyear until my retirement.
I also have a solid work MF low MER pension plan that matches 8%.
I was there at the 32$ price error at dell.ca day AND at the 150$ off price error at fs.ca
RFD price error moto: "Buy now, think later." -Ahzuz
Deal Addict
Jan 20, 2016
1433 posts
554 upvotes
Houston, TX
Ahzuz wrote:
Oct 12th, 2017 12:10 pm
I have already a TFSA investing CCP style with the assertive model for short term stuff as maybe a downpayment for a new house within 5 years.

I now opened a RRSP account on Questrade, transfering all my mutual funds to this. I am 32 years of age so my investment horizon for RRSP is still 20years+.
In what three ETFs should I invest ?

I was thinking those three :
  • iShares Balanced Growth CorePortfolio ETF
  • WisdomTree U.S. Quality Dividend Growth Variably Hedged ETF
  • iShares Core MSCI All Country World ex-Canada ETF
  • BMO Aggregate Bond Index ETF - 33%


33% Fixed income rest equities.

What do you think ? What would you do if you were in my shoes ?

I'm dropping 10K$ now and will drop approx 10-20k$ everyear until my retirement.
I also have a solid work MF low MER pension plan that matches 8%.
Why take 1.x% MER funds which over 20y horizon will result in 25%+ losses?
iShares Balanced Growth CorePortfolio ETF
Fees
Management Fee The annual fee payable by the fund to BlackRock Canada for acting as trustee and manager of the fund. 0.25%
Management Expense Ratio (MER) As reported in the fund's most recent Annual Management Report of Fund Performance. MER includes all management fees and GST/HST paid by the fund for the period, and includes any fees paid in respect of the fund's holdings of other ETFs. 0.85%

10%XIC+57%XAW+33%XSB/XBB/XSH and call it a day...
Make the Trudeau drama teacher again!

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