3 etf simple portfolio

[selkirk]

for my shareclub make monthly small presentations, there is not that many volunteers so I got the job...lol

so made a presentation, read this is in the globe, also there are other sites that have simple portfolios.

20 something investor

asset mix
20% bonds (ishare cdn. bond index XBB)

60% Canandian Stocks (ishares composite index fund) XIC

20% global stocks (ishares world index fund)

50 something investor
asset mix

50% bonds (ishare cdn. bond index XBB)

35% Canandian Stocks (ishares composite index fund) XIC

15% global stocks (ishares world index fund)

The Retired investor
asset mix

80% bonds (ishare cdn. bond index XBB)

15% Canandian Stocks (ishares composite index fund) XIC

5% global stocks (ishares world index fund)


now this is probably to simple but just shows that investing does not have to be complicated.
many people throw up their hands and have no time for the markets or any of their investments...that is probably the majority.

so they buy products that have high costs, and pay most of their wealth to their advisors, and do not bother to check to see how it is performing until it is to late.

the cdn. index has done well, ie. around 10%, over ten years, as energy and financials have done well..

should note that someone in our shareclub who is in his late 80s (he will outlive all of us) brought up the point to some mutual fund people in the business that the retired portfolio should have far less bonds. fixed income.

his point is many get a pension from the government, and then they may have a company pension, (the minority going forward) and would you not consider that as part of your fixed income.....good point.

would have some cash, so xsb (short term 1-5 bond index), also some other etfs such as in preferreds.

would have a higher equtiy positon as a retired person though would be protected.

still shows how a simple protfolio probably beat 90% cdn. mutual funds and gives you 5-10% going forward...not bad for a start.

thanks
selkirk

 

[DOGS THAT BARK]

Thanks Kirk
Interesting mixes --appears I am pretty agressive for being between the 50 and retired.

Probably won't ever be over 60% stocks again if I can avoid temptation but find it hard to ever be below 40% as long as I am healthy and --semi alert--

I have too much fun at it--so eft's prob out of question also-though I do have a couple.

Had 2 stocks sell this week on stops. I knew I was overloaded in energy sector and udjusted pretty tight stops each week in effort to weed out a few--but they certainly had good run for a while.

Not a lot out there now IMO--everything I like is at 52 week highs and I'm thinking we aren't out of woods yet by any means.

Trying to find shipping stock as they are one of few sectors still depressed--you got any leans I can put on the watch list?

 

[selkirk]

DTB the etf portfolio is probably not for you, since you put time into research, and just checking on your investments.

I have a good friend in the health care sector that check on them with the quarterly statement...if that... he is not alone. there are many people that fit into that group.

also tell people who start investing, tell them buy an equity like index and a bond index, even a small amount. it is easy to say you are outperforming the market but many get crushed but still believe they are doing better than the index. so a good refernce point.

do not have any names in the shipping stocks as buys but will have to look soon....missed the boat on this sector and the great run up it had, as many names were suggested to me...

always thought that these names would simply follow resources and though they looked incredibly cheap, so did some of my resource holdings...
the resource stocks did move, but some shipper did even (much) better.

agree with you on the markets, worried about my resource plays in the short term. and the financials follow (most cdn.) though not expensive look to be running out of steam, and could come back 5-10%.

awlays thought we were in a range, so a pullback would not be unexpected...but thought that for months now....lol.

another important consideration is to have stop in your portfolio, sometimes hard to be stopped out and then it rallies but hate when some follow a stock to the ground.

know of a few investors they rode (last year) about half a dozen stocks down 80-90%, that is when any stopped would have helped.... 10-20%, even 30%. that can kill a portfolio.


thanks
selkirk

 

[Tina Yothers]

Great info, thanks for posting.

 

[Kid Bro Sweets]

great read as usual kirk, i have a similar setup with my work rrsp except i have a split with cdn and asia at almost 50/50.

 

[selkirk]

thanks TY, and welcome to the stock forum.

KBS that is probably a good mix, I have limited int. exposure and should probably add over time.

in many ways believe Canada and Asia will act the same going forward.... for instance if Asia grows their middle class and industries... then the demand for natural resources will increase, which should benefit the cdn. economy..ie. exports.

a large amount of the cdn. market is financials, oil/gas, and mining (gold/base metals), that is well over half of the overall market.

personally going to have more bonds, going forward, often the amount I have in this area is small, often most of my portfolio is hedged with options... though should still have more in bonds than currently... especially as I grow older.

should point out my biggest position is a gold stock YRI, though that is hedged, 80% of it....normally or often do not own any gold, but have sharply increased my amount since nov. of last year.

have no idea when it corrects, it has been acting well so will hold until it breaks down.... looks strong currently though.


thanks
selkirk