100% of RUclips revenues received by the Canadian Portfolio Manager channel have been donated to SickKids Foundation. If this video has helped save you a few dollars on fees or taxes, please consider donating a portion of your savings to SickKids Foundation: www.sickkidsfoundation.com/
Agreed with others on the quality of your videos and presentation. They are SO far superior to the junk personal finance videos that YT pushes in their suggestion list. 5 🌟 for 🇨🇦 CPM !
Another great video, I never understood why Bonds are called fixed income if they go down in value...just less then Equity. I've been waiting 13 months for mine to get out of the red so I can ask my 4 year old which she prefers, XEQT or VEQT and I'll go from there
Thanks very much Justin for the review. I will continue to hold XBAL no matter what, it seems the safest and least stressful strategy for me. Let’s hope that interest rates cool off this year and consequently bond prices increase.
@Andrew D. - You're most welcome! And even if interest rates don't come back down, at least the yield-to-maturity on these bond ETFs are much higher now, so the 2022 losses could theoretically be offset in a few years.
If you are young (accumulation phase) hope for a crash and if you are old (retiring/retired) hope for a bull market. I'm glad I'm in my early 30s. Love that quote from William Bernstein's book. As always great videos!
I take a more conservative stock approach with ZLB & ZLU, with no bonds and the results have been pretty good. It slightly limits upside and downside, but I sleep better
@@HamiltonRb Both ZLU and ZLB have had excellent returns and low volotality over the last 10 years, it seems a perfect model portfolio for retirement, but there’s no guarantee of similar results in the future. Any thoughts ?
@@Andrew21882 You are totally correct about future results, but I have had no bonds for about 8 years, and am a long term investor, so as long as I am 100% stocks, I try to balance the portfolio 1/3 each of dividend stocks, low volatility etf's & covered call etf's. This gives me income, growth & a margin of safety.
If a stock drops from $1 to 75 cents then it has dropped 25% but also the buying power of the 75 cents dropped by the inflation rate, say a further 8%, should this be accounted for?
@Derek Hillard - This is not typically accounted for when discussing ETF performance, but feel free to make any adjustments if you prefer (it may be even more depressing/discouraging to think of your 2022 performance in real terms though ;)
Many CEOs suspect that 2023 will be in a severe bear market, if I hold cash and wait for my diversified ETFs to hit 52 week lows would this be advisable over DCA or lumpsum investing from a risk/return perspective? I’m interested in your perspective. Thank you Justin. ‘Price is what you pay, value is what you get’ -Warren Buffet
@Wuzi Wu - No one really knows how 2023 will turn out (and if you're a long-term investor, it doesn't really matter). I advocate in this video NOT trying to time the markets. If you're feeling anxious, you might be in an unsuitable asset mix or portfolio.
@@mremumerm This is an algorithm, no guessing involved. Yahoo finance will instantly reveal a 52 week low if notifications are turned on. If the market gets even lower than another 52 week low notification will be sent.
100% of RUclips revenues received by the Canadian Portfolio Manager channel have been donated to SickKids Foundation.
If this video has helped save you a few dollars on fees or taxes, please consider donating a portion of your savings to SickKids Foundation: www.sickkidsfoundation.com/
Agreed with others on the quality of your videos and presentation. They are SO far superior to the junk personal finance videos that YT pushes in their suggestion list. 5 🌟 for 🇨🇦 CPM !
@CNR 5154 - Wow - thank you so much 🙏 The videos take a lot of work, but it's worth it when you see positive responses like yours :)
Awesome videos with great production quality. Thank you for making these!
@Dan Mepham - Our pleasure - thanks for watching! :)
Another great video, I never understood why Bonds are called fixed income if they go down in value...just less then Equity. I've been waiting 13 months for mine to get out of the red so I can ask my 4 year old which she prefers, XEQT or VEQT and I'll go from there
VEQT and XEQT are practically identical.
@@mrslcom that's why I'll let a 4 year old pick which one she likes better
@@vicfontaine5130 XEQT has lower MER, so in a long run will probably beat VEQT.
Still VGRO and chillin'
Thank you for educating us Justin!
Great video! Had no idea that ETFs with full market coverage like VEQT existed.
Thanks very much Justin for the review. I will continue to hold XBAL no matter what, it seems the safest and least stressful strategy for me. Let’s hope that interest rates cool off this year and consequently bond prices increase.
@Andrew D. - You're most welcome! And even if interest rates don't come back down, at least the yield-to-maturity on these bond ETFs are much higher now, so the 2022 losses could theoretically be offset in a few years.
If you are young (accumulation phase) hope for a crash and if you are old (retiring/retired) hope for a bull market. I'm glad I'm in my early 30s.
Love that quote from William Bernstein's book.
As always great videos!
If around 50 you prob still have one major drop/up turn or bull left.
Great video! Thank you.
My portfolio xeqt(70) vab(30) split, has almost fully recovered from last year. Let's see some gains this year.
My 100% XEQT portfolio is actually up since January 2022. I followed a DCA plan religiously and it worked amazingly well.
I take a more conservative stock approach with ZLB & ZLU, with no bonds and the results have been pretty good. It slightly limits upside and downside, but I sleep better
@@HamiltonRb Both ZLU and ZLB have had excellent returns and low volotality over the last 10 years, it seems a perfect model portfolio for retirement, but there’s no guarantee of similar results in the future. Any thoughts ?
@@Andrew21882 You are totally correct about future results, but I have had no bonds for about 8 years, and am a long term investor, so as long as I am 100% stocks, I try to balance the portfolio 1/3 each of dividend stocks, low volatility etf's & covered call etf's. This gives me income, growth & a margin of safety.
@@HamiltonRb Do you mind sharing why you are avoiding bonds ?
@JustinBenderCPM Will you be doing a video about 2023 returns?
Great video! What do you think of adding commodity such as DBMF
@ASMRsauce - Totally unnecessary (and just offsets the biggest benefit of a one fund portfolio - simplicity).
If a stock drops from $1 to 75 cents then it has dropped 25% but also the buying power of the 75 cents dropped by the inflation rate, say a further 8%, should this be accounted for?
@Derek Hillard - This is not typically accounted for when discussing ETF performance, but feel free to make any adjustments if you prefer (it may be even more depressing/discouraging to think of your 2022 performance in real terms though ;)
Many CEOs suspect that 2023 will be in a severe bear market, if I hold cash and wait for my diversified ETFs to hit 52 week lows would this be advisable over DCA or lumpsum investing from a risk/return perspective? I’m interested in your perspective. Thank you Justin.
‘Price is what you pay, value is what you get’ -Warren Buffet
@Wuzi Wu - No one really knows how 2023 will turn out (and if you're a long-term investor, it doesn't really matter). I advocate in this video NOT trying to time the markets. If you're feeling anxious, you might be in an unsuitable asset mix or portfolio.
Always invest lump sum asap in whatever asset allocation that will not make you worried at night.
the issue trying to guess "52 weeks low". For example VBAL is already up 3.1% this year,
@@mremumerm This is an algorithm, no guessing involved. Yahoo finance will instantly reveal a 52 week low if notifications are turned on. If the market gets even lower than another 52 week low notification will be sent.
@@wuziwu8148 how do you know the 52 weeks low wasn't 3 weeks ago?