I opted for CASH instead of the bond funds for my temporary hold of cash waiting to deploy. Works nicely with a drip as well. VFV has been very good to me, along with the US equivalent VOO. I know there’s lots of overlap with VFV, but I also do VTI/VUN.
@robhruska7611
2 ай бұрын
@@CyclingDad i use CMR same sorta fund as CASH. Better than ZAG for sort or long term.
@AhhhSukeSuke
Ай бұрын
Same. Hold in CASH until I see a dip for a dividend etf.... currently at 4.95% return
@brandobond
2 ай бұрын
I'm all in on VFV. Over the next few years I'm hoping to max out my TFSA in that one fund then hold until retirement!
@Matthew-t2c2f
Ай бұрын
im with you on this one. Been in Canada for 2 years and going to open a TFSA account with wealthsimple and go all in on VFV. Max it out with 2022,2023,2024 & 2025 contribution room around $26.5k. One big lump buy or spread it out over 26 weeks?
@brandobond
Ай бұрын
@@Matthew-t2c2f Most people would say it is better to do dollar cost averaging (so spread it out over a long term) but I would be tempted to just yolo while the market is down and do a lump sum ASAP.
@NullDogma
Ай бұрын
@@Matthew-t2c2f DCA is always a good idea.
@tanhue1265
10 күн бұрын
@@Matthew-t2c2f lump sum does better, google why
@harshpatel8509
7 күн бұрын
Growth and Dividend stocks on TFSA, put long term investments in RRSP w/drip on. diversification is key. after 10 - 15 years ull see that your growth or dividend account is big enought that ull prolly receive good monthly income just out of dividends. offc. age is a factor.
@Gluteus.Maximus
2 ай бұрын
Id be interested in a video on ETFs focusing on different geographic regions. Im bullish on asia specifically japan/china and south america and india. What are the best options for those regions
@bbarraul
Ай бұрын
Personally I love ZID (ETF with Indian ESG compagnies) beat VFV this year !
@clarifyingquestions
2 ай бұрын
Hold forever? like BABA?
@beaviswealth
2 ай бұрын
Ow :(
@derekcox6531
2 ай бұрын
😂 cold
@TheSleeperMusic228
2 ай бұрын
I would like to see a video comparing nasdaq and sp500. The pros and cons of each
@troysapara7892
5 күн бұрын
As a reminder, you will need to hold VOO in your RRSP to avoid the 15% withholding tax.
@martin.quirion.auteur
2 күн бұрын
but are those savings on the dividends still worth it considering the currency exchange to USD for an RRSP in CAD ?
@Po101080
2 ай бұрын
Hey Brandon, good choices but I'm wondering why I would choose ZAG/CASH if I could choose ZMMK? ZMMK has a 5% yield and the ETF is basically flat/fluctuates in a predictable manner all the time. Wouldn't this be better than ZAG alot?
@StandUpForCanada1867
Ай бұрын
Agreed I'm invested in ZMMK also and IMO is safer than ZAG or bond ETFs in general
@Po101080
Ай бұрын
@@StandUpForCanada1867 Ya my exact thinking too, but be cool to see what Brandon thinks :P
@rh3108
Ай бұрын
Cash and money market funds will always have a lower expected return than bonds. Someone with an stock/bond portfolio will have a higher expected return than a stock/cash portfolio. ZAG also has a higher probability of beating inflation long term.
@StandUpForCanada1867
Ай бұрын
@@rh3108 there's "expected" vs "actual" returns and my actual returns on bond ETFs have been down for me personally - even when factoring in the dividends
@nguyenphuongchang3925
2 күн бұрын
@@rh3108but riskier, is it not?
@MoementumFinance
Ай бұрын
XEQT in da house 👑 Let's go 😃👊
@miguelandrade9567
18 сағат бұрын
I'm in Canada If I buy shares in the VFV ETF, do I have to pay 15% of interest (tax) because it involves US companies?
@tonysilke
Ай бұрын
I believe every Investor should start with ETFs for a solid foundation, then diversify across asset classes and maintain disciplined, regular investing to minimize risks and maximize growth.
@MiguelYeara
7 күн бұрын
Hi. I would like to see for each ETF mentioned, where it is better to hold them and why: Non-Reg, TFSA or RSSP?. Thanks.
@steevengingras4087
5 күн бұрын
TFSA no tax RRSP taxed when you pullout non-Reg pay taxes annually on returns added to you income. TFSA should be your first investment account, then RRSP depending on your retirement plans… non-regs great for day trading or higher risk investments… thats my understanding
@G_Ellis606
23 сағат бұрын
Why would you keep your investments in CAD$$? Horrific advice
@paulcatarino2209
Ай бұрын
Maybe I missed it in the video, but what would be the percentage each fund in a portfolio (for beginners)
@roberttaylor3594
2 ай бұрын
I have some cash in CASH...seems like an okay place to park it. and was looking for a fixed income bond type option...
@kingjop9096
2 ай бұрын
What about QQC?
@Sniper1million
Ай бұрын
QQCL
@laura237
2 ай бұрын
Great video! And great app! I actually joined Blossom last month and have enjoyed learning from the community! I've spent hours just lurking on others' perspectives on investing! I'm invested in 3 out of the 5 ETFs you mentioned - VFV, XEQT, and CASH. Also, instead of ZCN, I'm in VCN. And no bonds for me... Yet.... 😅
@Lylestyle-DIY
Ай бұрын
CBIL vs CASH, is one actually better than the other, and why ?
@bud1917
Ай бұрын
Dude, I just want to say I truly appreciate your time explaining things thoroughly and in depth. I'm a beginner investor and found you on Blossom and now on KZitem. Again, thank you for your knowledge and time. :-) so far I've invested in VFV and XEQT.
@nicetryson
Ай бұрын
The simpler the better ! ;)
@hugosmith6776
2 ай бұрын
etf's created in the 80's? after a billionaire lost his chit paying mutual fund "fees"
@blackgrandpa7652
2 ай бұрын
Im surprised their was no mention of hxq or another all tech etf that tracks the nasdaq 100 because tech is the future and its beat the S&P 500 the last 10 years😮
@UltimaWeaponz
Ай бұрын
tech is overvalued and i believe will underperform value stocks for a few years. A few other guys have done some good analysis on this - XEQT vs NASDAQ. Btw Im a software engineer at big tech company.
@sebastienhecht7373
2 ай бұрын
I have a portfolio with VFV (30%), ZNQ (25%), XEI (10%), XEQT (10%), HTA (15%) and ZWB (10%). I'm 58% exposed on technology in order to growth. What do you think guys about it? :)
@markpeters4393
2 ай бұрын
too much overlap bruh
@sebastienhecht7373
Ай бұрын
@@markpeters4393 Between HTA VFV and ZNQ right? I agree, I'm looking for new ideas to optimize that
@ridicdonk
Ай бұрын
XEQT should be the highest weight for sure...could just go XEQT and VFV and be happy in the long run...
@G_Ellis606
23 сағат бұрын
Switch to VOO and SCHD
@BrianBrooks-r8v
Ай бұрын
CASH for your cash? When a share is $50+ for a 4.67% ann dividend return. Really recommending this?
@turntablesrockmyworld9315
23 күн бұрын
I'm confused by this advice too.....I would just buy short term GICs which are currently up to 5 percent and just park $$ there and ladder them if rates continue. Thoughts?
@robhruska7611
2 ай бұрын
How does ZAG that is down 14% over the past 5 years and down 9% over its life time preserve wealth?!?🤔 you would be better off putting your money under your mattress.
@robhruska7611
2 ай бұрын
@@filb WRONG!! Bonds have typically been to preserve wealth needed for the nearer term like retirement, when you have a long time before you need the money then you invest more in equities. im also looking over the life of the fund how much longterm can i get! If i was retired like they were talking about this would be a major blow to my portfolio. In Retirement youre looking at short term needs, if you want to look at long term, every asset class on the planet has performed better over the long run. They would have been better using CMR or CASH as an example.
@ron.mexico.
Ай бұрын
Look at ZAG today buddy. That’s why you own it. Sometimes there are things called recessions happen.
@robhruska7611
Ай бұрын
@@ron.mexico. LMAO! Wow! Its up .6%.😂 it is still down 13.6% over the last 5 years. If i was a retiree a i put a good chunk of my savings in this 5 years ago my money would have lost 30-40% of its value to inflation and another 13% to the fund so in essence i would have lost 50% of the value of my money. .6% 😂🤣😂🤣
@rostyslavkozhushko5841
Ай бұрын
Basically like the whole market. Just bunch of corrupted bastards! May as well just play casino.
@rh3108
Ай бұрын
ZAG has a weighted avg duration of over 7 years. The fact that you're focusing on 5 years means you don't understand the purpose of the ETF. Second, it''s nowhere near close to being down 13% over 5 years. As per usual, novice investors focus on the ticker price while ignoring the distributions. ZAG has a positive return over 7 years and is roughly flat over the last 5 years. The purpose of aggregate bond ETF's is to reduce the volatility of your portfolio while providing monthly income. ZAG has a much lower standard deviation compared to ZCN while having a positive nominal return.
@abhiarora6787
Ай бұрын
Can you please suggest which platform i can use to buy aNd hold for long term withoit extra expense
@turntablesrockmyworld9315
23 күн бұрын
I would suggest convenience. For example, I use RBC since I do most of my banking through them and it is easier to learn and monitor.
@stevendchu
18 күн бұрын
Bit new to investing, but what is the difference between VFV and VOO?
@etiennesimard9673
7 күн бұрын
vfv tracks voo but in canadian dollars, essentially it's the same thing.
@alizesssss
4 күн бұрын
@@etiennesimard9673 What if I buy VOO from Canada being Canadian resident? Is there any extra charges or taxes?
@etiennesimard9673
4 күн бұрын
well places like Wealthsimple will charge 1.5% to change your cad to usd to purchase VOO, if i were you id get vfv or zsp in cad, let it go up and wait for a possible US crash and then convert to usd at a better rate. I'm no advisor but 1cad to 0.73 usd is bad right now. I am of course not accounting for how US stocks would perform with a strong cad, but thats beyond my skill.
@AlreadyAUser
Ай бұрын
Sold my Vanguard Stock after I found out how much war they fund.
@Sniper1million
Ай бұрын
no one cares
@tanhue1265
10 күн бұрын
Hey Brandon, or anyone who would be coming to answer. Sorry for a basic question, because these ETFs hold American stocks, are they applicable to the 15% withholding tax? Thank you in advance Really enjoy this channel. Great video!
@denverd513
12 күн бұрын
Vfv and xeqt holds US companies so these ETFs are subject to 15% with held tax no matter what coz these are Canadian ETFs with US holdings.
@williamkot2670
2 ай бұрын
vfv did me good my average is $86 a share😮
@apple85126
2 ай бұрын
Hi, Im Canadian, New to the investor world. I have purchase schd and a bit of vdy in my tfsa account, i have noticed when you purchase a american stock there is a 15% withholding tax plus the mer of schd is 0.06%. Should i continue investing into both these stocks or one of them?
@RidlysEmptyNetter
2 ай бұрын
Schd should be held in your rrsp, then the 15% withholding tax is waived. Only hold Canadian etf's in your TFSA.
@brandongerofsky4817
2 ай бұрын
I think that depends on your end goal. Maybe the want to use the income directly in the future, and that 15% tax is not an issue.
@apple85126
Ай бұрын
@@RidlysEmptyNetter Ok, In your rrsp don't you get taxed when withdrawing from the account? Thanks
@RidlysEmptyNetter
Ай бұрын
@apple85126 Yes, you do. But your tax is a flat rate...not an extra 15% withholding tax. RRSP is the only vehicle where you can have US holdings & not pay the 15% withholding tax. So it's best to keep US holdings in RRSP and Canadian holdings in your TFSA.
@nickc5341
Ай бұрын
@RidlysEmptyNetter what about canadian efts that have some allocations in the US market? Are those efts ok to have in a tfsa or will it be subject to the 15% withholding tax due to the US allocations?
@leagueplays2100
Ай бұрын
VOO is better than VFV
@Carol8693
2 ай бұрын
Great to see you back recording 😊 !
@Docbrut
2 ай бұрын
If I’m holding VDY; would it be redundant to also be holding individual shares of BCE, CAS, ENB & T?
@Sniper1million
Ай бұрын
yes but could possibly make some nice swing trades with single stocks
@Guri_3438
11 күн бұрын
👍🏻👍🏻awsum video really liked it. Keep up ur good work👍🏻👍🏻
@nacre6233
2 ай бұрын
Wonderful picks Brandon. I hope life is treating you well. Many younger investors have never seen the value of including Bonds in a portfolio as the interest rates have never been falling like we anticipate now. All the way back to 2007 (6.25%) dropping rates to 2009 (2.25%). In 2008, market correction was 30+ percent down in all stock categories while bonds returned +6%. Bonds then continued to outperform US Large Caps from 2009-2012. Looking at Bond returns in last 8-10 years not the proper comparison IMO. I think they definitely have a place in balanced portfolios now.
@barbaraulitsky8292
15 күн бұрын
Your explanations are very understandable. Thank you so much!
@phyllis2866
Ай бұрын
You should have shown us QQQ and a covered call ETF, instead of the bond ETF. No one even buys bond / fixed income ETFs anymore unless you're like 90 years old.
@jimmydodds9659
29 күн бұрын
I would take VOO over VFV.
@stevendchu
18 күн бұрын
Can you explain why?
@jimmydodds9659
15 күн бұрын
@@stevendchu VOO elects to actually purchase all 500 of the index’s stocks, . VFV simply holds VOO as a “wrapper.”
@Austin_Patrick
13 күн бұрын
However there is a 16% withholding tax on VOO unless you invest in an RRSP
@elbertcordero3354
Ай бұрын
Why would you tell new investors, assuming they have lot of time in the market, to invest in bonds when you can find better return with more blue chips stocks ?
@kushcaliber
Ай бұрын
the markets are going to crash. You'd be buying all these at the top
@Factsmatter2000
2 ай бұрын
Interesting enough you did not mention one of the most successful fund. Well, it is not really a fund. Berkshire Hathaway.
@pradeeshma
Ай бұрын
Happy to see you back after a while. Just curious why ETF - TD Global Technology Leaders Index (TEC) doesnt make it in the list. Please clarify
@francescoiaderosa2247
2 ай бұрын
Why are you jipping those 4 companies? Say it like it is, bro. There's 504 companies.
@tjromanishen7411
23 күн бұрын
This was great. Thank you for the great video!
@BarbDesautelsCalgaryRealEstate
2 ай бұрын
I love this video. I just started investing for myself, and I own a few of these. Since I am older, I will look at the bonds ZAG.
@edwinb.2756
Ай бұрын
great vid. I appreciate you taking the time to do this, cheers
@mohammedlayes9248
Ай бұрын
Thank you for your channel! If you don't mind me asking, how do we receive dividends? Does it get deposited into the account we buy the stocks from?
@raffaelebalenzano6385
9 күн бұрын
How you balance in each. Like % wise?
@juancruz6023
22 күн бұрын
Thank you for your information !!
@lekang8179
2 ай бұрын
I think nowadays you must have semi ETF, like SOXX
@A7480394
2 ай бұрын
What is the "capped" when ETFs have that in the title?
@jordanosborne5033
2 ай бұрын
usually it means they wont allow any individual holding to go above a certain % of the fund,
@A7480394
2 ай бұрын
@jordanosborne5033 thanks! Appreciate it, and your content.
@abaldwin6059
2 ай бұрын
I think its not worthwhile investing in a Canadian ETF. Pick an individual bank, energy company and railway, then focus on all US, stocks or ETFs. My ETF choices MGC, IXN and Moat.
@jordan.h6821
2 ай бұрын
VFV is canadian but they are focused on the USD market?
@juselara02
2 ай бұрын
@@jordan.h6821vfv is the Canadian version of Voo. It is esentially the same holding
@denverd513
2 ай бұрын
US stocks or etfs are subject to 15% taxed at the time of withdrawal by US govt.
@guillaumelabonte2702
2 ай бұрын
They are some canadians etf based on US sectors tho
@abaldwin6059
2 ай бұрын
@@denverd513 15 percent witholding tax on dividends
@chefandy72
2 ай бұрын
Do we know the funds or stocks that will migrate to the Texas stock exchange next year? Any comment or concern about canadiam banks recently, especially laurentian?
@roberttaylor3594
2 ай бұрын
Looking good, Brandon!
@alexandre_martins_
10 күн бұрын
Great!
@momo35444
2 ай бұрын
Glad to see you Brandon!!! I hope you and your new family is doing great! your father is great as well. did you get a dog or cat?
@beaviswealth
2 ай бұрын
Feels good to be back… no new animals but the same 2 cats and 1 dog from a few years ago! Cheers momo
@songxuefei5730
Ай бұрын
need more cash to buy more 😀
@sezarkurd4843
2 ай бұрын
As a 39 years old what will be your advice for this 4 etf what should be percentage each one how much I should buy in percentage ?
VFV friends that low fee is courtesy of the master John Bogle. There should be a freakin statue of him on Wall Street. Brandon i'm surprised no mention of Harvest. I'm going all in on HTA. Cheers
@TheKrave1
Ай бұрын
What about HDIV or HMAX ?
@Blayne-vq7sl
Ай бұрын
Those are income style ETFs, not index.
@TheKrave1
Ай бұрын
@@Blayne-vq7sl thanks for answering. I guess I didn't know the difference.
@Sniper1million
Ай бұрын
Why not HYLD ? it has HMAX and other Hamilton ETF
@Blayne-vq7sl
Ай бұрын
@@Sniper1million again, those are income style ETFs, not index
@surreycase
2 ай бұрын
Great video, ETFs for dummies like me 😊.
@BarbDesautelsCalgaryRealEstate
Ай бұрын
Great video, Brandon.
@1wordsnst27sdkai
Ай бұрын
BUYING THE DIP!
@johnstutt5927
Ай бұрын
Love VFV.
@christopherliarakos2848
2 ай бұрын
fantastic video!
@gregpenner6219
2 ай бұрын
I like TPU , TTP, TGRO
@cichlidxtanksss
2 ай бұрын
good to see you back.
@phyllis2866
Ай бұрын
XEQT is way too diversified. No need for that much diversification. Pass. MER way too high.
@Z1TM
Ай бұрын
what would be a better Canadian ETF with low cost MER
@Sniper1million
Ай бұрын
This is the way.
@newdeal_99
2 ай бұрын
QQQ
@kaizokud42
2 ай бұрын
What is the difference between bond and GIC?
@colinlau5795
2 ай бұрын
I think the main difference is Bonds are issued by Corporations and or Governments. GIC is issued by banks and or credit unions.
@JoeSmith-pu9hi
2 ай бұрын
Great video. Good you don't leave it all to your dad to do.
@danadennis7393
2 ай бұрын
Brandon has a young family. His Dad may have more time to dedicate to the channel. They are in different seasons of life.
@mellymelly9415
2 ай бұрын
I have these etfs. it never disappoint. Thanks alot for the show
@kodypilger
2 ай бұрын
Bmo zmi is a good etf. Also I invest in shares xpf rather than a more expensive etf
@roman_r-q2u
22 күн бұрын
wow, bro is getting older...thanks for video anyways
@JomarAndMarinaJourney
2 ай бұрын
l
@appplejacks
2 ай бұрын
I'm new to investing and I came across AGNC which has a 14% yield. Is something like this too good to be true or is there simply higher risk?
@miyamotomusashi7639
2 ай бұрын
it's dividend yield not dividend growth, actually the growth of that company has been on the decline since 2012, meaning you're getting less and less from the dividend even if they increase dividend yield to attract more people to buy their stock. I'm not big into dividend investing but if I were to buy a dividend stock I'd want it to have a good track record of company growth and not a lifetime of decline (its down 49.22% of its value since its inception in 2008), also reasonable dividend yield (14% sounds like a company desperate for cash).
@Sniper1million
Ай бұрын
Lot of split funds out there will provide that kinda yeild but are high risk
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