320K total, about 1/3 in Smith Manoeuvre (SM) and needing yield.
36 years old, Double income total 170K, 2 kids under 3.
Was working with advisor for the last 10 years.
Asset Class % Registered CDN$ Registered US$ CDN$ (All SM) CDN 25 HXT - PPS, stocks? US 20 HXS VTI - Global 10 - VEA - Emerging 10 - VWO - Real Estate 10 - - ZRE US Junk 10 - - CHB CDN Bond 10 - - XHB Cash 5 - - -
I see rebalancing being an issue given upwards of 12 accounts (rrsp-$CDN, rrsp-$US, tfsa, resp, lira, non-reg)x2. Is this too many asset classes? I left out small and mid for this reason but kind of want to add them. Feedback please!! And ideas to get yield for SM please!