How to rebalance Canadian Couch Potato with the updated 2015 model?
So it's my first time rebalancing my CCP portfolio, and to my surprise when i went to the CCP site, the ETF models have completely changed.
I have read some of the reasons on the site, mainly being just to simplify things: http://canadiancouchpotato.com/2015/01/ ... -for-2015/
The one's i carry now:
ZCN - Canadian Equity
VTI - US Equity
VXUS - International Equity
ZRE - Real estate investment trusts
XRB - Real return bonds
XBB - Canadian Bonds
The new one is simply:
VAB - Canadian Aggregate Bonds
VCN - Canadian Equity
VXC - All non Canadian
Question I have:
- I understand VXC replaces VTI & VXUS because of the complications of USD, but I have access to USD so should i just stick to the VTI & VXUS combo?
- REITS are cut off now. Should i sell off my ZRE or keep my current percentage?
- Same question with XRB since real return bonds are cut?
- Is VAB the direct replacement for XBB with just lower MER? If so is it worth selling off my existing XBB for VAB or selling fees offset this.
- ZCN & VCN look the exact same to me, same MER. Any reason to switch?
Btw i trade with Questrade
Thanks in advance!
I have read some of the reasons on the site, mainly being just to simplify things: http://canadiancouchpotato.com/2015/01/ ... -for-2015/
The one's i carry now:
ZCN - Canadian Equity
VTI - US Equity
VXUS - International Equity
ZRE - Real estate investment trusts
XRB - Real return bonds
XBB - Canadian Bonds
The new one is simply:
VAB - Canadian Aggregate Bonds
VCN - Canadian Equity
VXC - All non Canadian
Question I have:
- I understand VXC replaces VTI & VXUS because of the complications of USD, but I have access to USD so should i just stick to the VTI & VXUS combo?
- REITS are cut off now. Should i sell off my ZRE or keep my current percentage?
- Same question with XRB since real return bonds are cut?
- Is VAB the direct replacement for XBB with just lower MER? If so is it worth selling off my existing XBB for VAB or selling fees offset this.
- ZCN & VCN look the exact same to me, same MER. Any reason to switch?
Btw i trade with Questrade
Thanks in advance!