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- Invesco Low Volatility Portfolio ETF (PLV)
- Vanguard Conservative ETF Portfolio (VCNS)
- Vanguard Conservative Income ETF Portfolio (VCIP)
- BMO Conservative ETF (ZCON)
- Vanguard Retirement Income ETF Portfolio (VRIF)
Q: I am interested in an 'all-in-one' diversified ETF to provide regular (quarterly/monthly) income such as VCIP, that best meets the following criteria:
1) Fairly conservative
2) As tax-advantaged as possible as it will be held in a non-registered account
3) Yield that can reasonably be expected to outpace inflation over time
4) MER<0.4
The rest of the investment portfolio is well diversified across geography, market cap, and sector, achieved with a few broad market index ETFs.
1) Fairly conservative
2) As tax-advantaged as possible as it will be held in a non-registered account
3) Yield that can reasonably be expected to outpace inflation over time
4) MER<0.4
The rest of the investment portfolio is well diversified across geography, market cap, and sector, achieved with a few broad market index ETFs.
- Global X Active Ultra-Short Term Investment Grade Bond ETF (HFR)
- Purpose High Interest Savings Fund (PSA)
- Vanguard Canadian Short-Term Bond Index ETF (VSB)
- Vanguard Conservative Income ETF Portfolio (VCIP)
Q: What is your opinion on using VCIP as a 'slightly riskier than cash' investment vehicle for a holding period of 6-12 months? It is obviously riskier than HISAs/GICs/PSA, but do you think it is riskier than XSB/VSB/HFR? There is an equity component to VCIP, but given its greater diversification compared to XSB/VSB/HFR, I wonder if, paradoxically, it might actually be 'safer'. I note that when the pandemic hit, even VSB/HFR fell quite precipitously. Would you advocate a mix of VCIP/VSB/HFR instead? If so, how would you weight the three? Thank you.
Q: Hello 5i Team:
Thank you for your answer about DGRC today. With hindsight, I shouldn't have included VCIP in the same question! Here it is again as a separate question:
I know from your answers to other members that weighting is personal/that bonds despite all the bad news still play a role in one's portfolio/Short bonds are probably better than long bonds.
I have your Portfolio Analytics service and my input suggests 60 40 split. (Inputting data in PA is a work in progress!!)
With this mind, may I ask this question?
What would your suggestions be for retirees: 40% Fixed income .
All in something like VCIP. Or divide them into different boxes? VSB/VAB/VSC etc., Or some other ETFS?
40% is a lot of money to be in one ETF, no? Or these multi layered ETFs offer enough diversification?
Thanks.
Thank you for your answer about DGRC today. With hindsight, I shouldn't have included VCIP in the same question! Here it is again as a separate question:
I know from your answers to other members that weighting is personal/that bonds despite all the bad news still play a role in one's portfolio/Short bonds are probably better than long bonds.
I have your Portfolio Analytics service and my input suggests 60 40 split. (Inputting data in PA is a work in progress!!)
With this mind, may I ask this question?
What would your suggestions be for retirees: 40% Fixed income .
All in something like VCIP. Or divide them into different boxes? VSB/VAB/VSC etc., Or some other ETFS?
40% is a lot of money to be in one ETF, no? Or these multi layered ETFs offer enough diversification?
Thanks.
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