Q: As a follow up to my earlier question, where in you mentioned "if the focus is on bonds....", last line. I am looking for opportunities in fixed income investments. So where should the focus be, other than fixed deposits . Thanks for the excellent advice you have consistently provided over the years.

Q: Hello 5i,
I have the above ETF's in my TFSA as I believed the distribution is interest. I read in reports that distribution is dividend or "dividend interest") All quite confusing. In the TFSA's are also a GIC 5 year ladder, growth stocks (LSPD, LNF) and some high dividend paying equities. Should I journal the above ETF's to a non-registered account and refill the TFSA come January with more growth and GIC's or leave everything alone? I am 73 with a defined pension and 60/40 fixed / equity
Stanley

Q: Recently the Globe & Mail has an article discussing the merits of using a one-Balanced ETF strategy and recommended the following three ETFs: VBAL, CBD and HRA. What would you consider to be the best one? Also, when I reviewed the information on their respective websites, I can only find Management Fee info as opposed to MER info. Is it because they are all ETFs that are composed of various ETFs. So the ultimate MER of these balanced ETFs would be the sum of the quotes Management Fee plus the MER of the underlying ETFs?
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