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Investment Q&A

Not investment advice or solicitation to buy/sell securities. Do your own due diligence and/or consult an advisor.

Q: My Father has finally caught on that paying the RBC +2% for their mutual funds is eroding his returns and asked for some help. He doesn't have the knowledge or temperament to jump into stocks so I am suggesting he move some investments to ETFs. He is 70, has a teachers pension and 250k of RSP "fun money" to play with. Since I view his pension as his fixed income portion of his portfolio I dont see any reason to get him into any fixed income ETFs or match your model ETF portfolio. I plan to suggest he move about 25k each into xwd, cdz and vgg for a start to get his feet wet. Then once he is comfortable move the rest into those same 3 funds ( assuming they are still on your suggested list at that time).

Any recommended adjustments to this approach in terms of ETFs or my equal weighting.
Read Answer Asked by Tom on March 15, 2017
Q: It has been suggested to me that a high percentage of one's investments should be made outside Canada as this is what most pension funds do since Canada is such a small part of the world's capitalisation. Do you concur with this belief re investing? In Canada, in particular, and in the US, to a lesser degree, I have a wealth of information about specific companies. In the rest of the world it is difficult to obtain good information and to buy except through ADR's. Thus my best way to invest is through Mutual Funds or ETF's. It seems to me when I look into Global ETF's that none that I could find matched the long term performance of MAW150. Since I tend to hold an investment for a long period of time, short term fluctuations in value are of little concern. My biggest concerns are the MER of 1.74% per annum and the possibility that Mawer will not match future performance with past performance. Is there an ETF that has a good track record or a different Mutual with a low MER that matches or beats MAW150? If MAW150 is the best, then based on your response, I may purchase up to 25% of my assets in it. With this change in asset mix approximately 50% of investments will be outside of Canada. Thank you. I value your opinion very much.
Read Answer Asked by ED on January 17, 2017
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