Hi Guys/Gals,
Was hoping I could tap some recommendations for a good ETF. Here's my scoop so far:
In RRSPs (about 40k):
TD Canadian Index e-series: 16%
TD US Index e-series: 21%
TD Intl Index e-series: 10%
TD Bond e-series: 15%
CDZ Claymore CDN Div: 30%
I am comfortable with a moderate low bond holdings for now. 10-20% is just fine for me as I'm only 27.
I like the CDZ for the numbers I see through it (greatly outperforming everything else, mind you it seems like equities just aren't doing much of anything last year or two). However I know that in registered accounts I should be holding long term capital growth...
So I guess what I'm looking for is something with good international exposure (maybe like a 60:40, US:Others) in broad sectors. I was thinking CYH, which would complement my CDZ and diversify my global diversification... but then again it's more dividends in a registered account. Or perhaps dividends aren't a bad thing for my registered account? I normally cap my RRSPs every year, and this year with what overflow I have, I am shoring up my TFSA as cash-emergency account. I have yet to, and don't think I will have the finances available, to do non-registered trading yet.
CDZ has destroyed all my other index funds over the last year or so, so I really like the dividends.
So CDZ, XIN, etc? Thoughts?
Thanks!
Was hoping I could tap some recommendations for a good ETF. Here's my scoop so far:
In RRSPs (about 40k):
TD Canadian Index e-series: 16%
TD US Index e-series: 21%
TD Intl Index e-series: 10%
TD Bond e-series: 15%
CDZ Claymore CDN Div: 30%
I am comfortable with a moderate low bond holdings for now. 10-20% is just fine for me as I'm only 27.
I like the CDZ for the numbers I see through it (greatly outperforming everything else, mind you it seems like equities just aren't doing much of anything last year or two). However I know that in registered accounts I should be holding long term capital growth...
So I guess what I'm looking for is something with good international exposure (maybe like a 60:40, US:Others) in broad sectors. I was thinking CYH, which would complement my CDZ and diversify my global diversification... but then again it's more dividends in a registered account. Or perhaps dividends aren't a bad thing for my registered account? I normally cap my RRSPs every year, and this year with what overflow I have, I am shoring up my TFSA as cash-emergency account. I have yet to, and don't think I will have the finances available, to do non-registered trading yet.
CDZ has destroyed all my other index funds over the last year or so, so I really like the dividends.
So CDZ, XIN, etc? Thoughts?
Thanks!