TD E-Series Questions
I got a few questions about e-series tracking. I been doing e-series funds since at least 2015 (though I think actually earlier) and they seem to be working out good for me(seems on average 4.65% a year) . I am now finally setup(had to do it 3 times as the first 2 people set it up wrong) my wifes RRSP accounts(with a spousal account) and choose aggressive investing as we got a 25 to 30 year time frame.
My question are a mix between my accounts and her accounts
1. I have never re-balanced my funds, I know they say you should but for the longest time they stayed roughly at the 25% mark (assertive investments). Now I am looking at it an I have
CDN Index, 23.53,
Us Index 32.08%,
CDN Bond - 20.64% and
Intil Index 23.75%.
I think it might be time to re-balance but I have no clue how to do it.
2. I set my wife up the same way I did my account through the td easy web and now have setup recurring transfers each month. I now see on "cough potato" they actually recommend "TD Direct Investing" should I have actually set her up with this and transfer over to this myself (if possible) ? I don't know much about so I am not sure why they recommend it if it is easier to use? or has lower fees or what.
3. I don't get what they mean "Consider the TD e-Series funds if: your household accounts with TD total at least $15,000." Other than my own e-series fund account we don't have any accounts with TD so I am not wondering if I made a mistake going with them? Like I said when I setup my TD stuff it was really the only option at the time and was recommended. I probably should have done this rechecking before going through all this stuff but I did not think it changed.