This post is a simplified extension of my What’s in my Portfolio post.
Updates
- Sep. 2024 – Sold my rental unit
- Aug. 2024 – Modified my pension plan to be 75/25 (Equity/Balanced)
– Formerly 80/20 (Equity/Bond) - May 2023 – Modified my pension plan to be 80/20 (Equity/Bond)
– Formerly 75/20 (Equity/Bond) - Originally Published: October 11, 2023
The Funds I Use
| Fund | Category | Name | MER |
|---|---|---|---|
| XIC | Canadian Equity | iShares Core S&P/TSX Capped Composite Index | 0.06% |
| VTI† | US Equity | Vanguard Total Stock Market Index | 0.03% |
| VXUS† | International Equity | Vanguard Total International Stock Index | 0.07% |
| XAW | World Equity | iShares Core MSCI AC World ex Canada Index | 0.22% |
| XDIV | Canadian Dividend | iShares Core MSCI Canadian Quality Dividend Index | 0.11% |
| VAB | Canadian Bond | Vanguard Canadian Aggregate Bond Index | 0.09% | Previously Used | VGRO | All-in-One Fund | Vanguard Growth ETF Portfolio | 0.24% |
† VTI and VXUS are U.S. listed ETFs that are traded on the U.S. Stock Exchange and are traded in U.S. dollars (USD).
Portfolio Breakdown
2024 Update: I’ve modified my RPP plan to be 75/25 (Equity/Balance), keeping some cash from my rental sale, and I’ve added some non-index positions. I am VERY much still an broad market index investor. 😉
Asset Class Breakdown
2024 Update: Real-estate has been sold and I’m currently sitting in cash until we decide where to deploy the money.
2023 Update: Since 2022 I have reduced my bond allocation to get closer to my desired 80/20 (Equity/Bond) allocation.
2022 Update: This is my first time putting this chart together and realized that I’m much higher in bonds and real-estate than I thought.
Account Type Breakdowns
Registered Pension Plan
| Account | Fund | Target % |
|---|---|---|
| Pension | Equity Fund | 80% |
| Pension | Bond Fund | 20% |
RRSP
| Account | Type | Fund | Target % |
|---|---|---|---|
| RRSP | Equity | XIC | 27% |
| RRSP | VTI † | 28% | |
| RRSP | VXUS † | 25% | |
| RRSP | Bond | VAB | 20% |
This is another view showing how these Model Portfolio funds break down into global equities.
| Canadian Equity | U.S. Equity | Developed Markets | Emerging Markets | Canadian Bonds | |
|---|---|---|---|---|---|
| ETF | XIC | VTI † | VXUS † | VAB | |
| Allocation | 27% | 28% | 25% | 20% | |
TFSA
| Account | Fund | Account % |
|---|---|---|
| TFSA | VGRO | 69.6% | TFSA | XDIV | 30.4% |
Related Posts:
Check out What’s in my Portfolio for my investment strategy and background.
Check out How to Start DIY Investing in Canada for tips on getting started.
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