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Thank you for this! Great video, Justin. Quick question: it seems like VEE's holdings now indicate direct shares of the companies versus an investment in the US ETF. Did it also transition? Is it now thus more interesting given its lower MER?

You're a smart guy .

Thank you for this video. The website has changed but the instructions are still applicable.

Great video as usual! Justin: just to be clear, there would be no benefit (outside of MER) to hold VEA over VIU in a RRSP account? I believe since VEA was updated with a ~9% Canadian equity complement, that the tax drag difference is now negligible, but I still can’t decide if the MER alone is a better reason to hold VEA. Note: other RRSP holdings are VTI, VWO, ADUV, ADVD. Merci.

Great video ❤

I guess that will not work with a family type of RESP (common stocks pool with split ratio between beneficiaries) ...

Awesome video

Really good explanation. Thanks

Your video clearly says go VBAL or GIC! Honestly I was willing to put some money on your VEQT but your video made me change my mind and I'll put the money in ZQQ (SP500) instead of VEQT

Interactive Brokers is definitely the way to go when managing currency!

Great video! I think another consideration is that breaking up the all-in-one could create opportunities for lower foreign withholding taxes, if you swap some of the holdings. For example, if holding VEQT in an RSSP, VUN can be changed to VTI, and VEE can be changed to VWO (since VEE doesn't hold the emerging market stocks directly).

Thanks for the great video! I see you've put a warning of DLR now settle T+1. Will this still work in Jun 2024? Thanks

That is an absolutely genius explanation. I had a hard time understanding this concept until I watched this video. Thank you for your time!!

Internal transfer between a Canadian and US dollar account. $9.95/security*

no longer works

Love your videos. Wow! I need your opinion. I am trying to build my ETF portfolio with $20k 70% to XEQT. Then, for dividends, should I choose the XEI 30% or should I just keep 30% XSP... Your opinion is greatly appreciated.

Hi, Thanks for this video. I just opened these accounts for my kids (12 & 9) with rbc, they told me that they have to manage the account and charge the MER at 1.94%, my question is can I manage RESP myself or really has to be managed by the bank? Thanks

Ty for providing us a step by step Norbert's Gambit tutorial. I read ur name as Justin Bieber

Thank you for simplifying this overwhelming (to me) topic!

XEQT in an RRSP for long-term growth, as the only investment? Or QQQM (NASDAQ 100) for perhaps more growth?

Your videos are high quality and easy to understand! Thanks

A potentially significant shortcoming of this allocation is that much of the tax loss harvesting potential is lost by holding equities in the registered accounts. Comments?

This seems counter-intuitive to me.. I'd have expected the least tax efficeint bond holdings to belong in registered accounts. Has anyone tried to calculate the aftertax return of minimizing fixed income in non-registered accounts?

I am 40. I will have a pension, no kids, and own my home current value 800K I’ve never invested. I’m 15 years from retirement and want to “Die with Zero” What would be best? I’m slight above average in risk but if I I lose some investing. I don’t think it will impact my retirement or lifestyle. I was thinking of going more aggressive since I don’t have much worry about future money VGRO, VEQT

Another easy to consume content, thanks for another great video, Justin! How does this apply to Canadian-listed ETF holding foreign stocks directly like the ZSP in the non-registered account?

Amazing video, A friend of mine referred me to a financial adviser sometime ago and we got talking about investment and money. I started investing with $120k and in the first 2 months , my portfolio was reading $274,800. Crazy right!, I decided to reinvest my profit and gets more interesting. For over a year we have been working together making consistent profit just bought my second home 2 weeks ago and care for my family.

What about XAW and VXC in RRSP and XEQT in TFSA?

RE: ROC - if I buy VGRO in Q3, do I need to add the ROC from Q1 and Q2 to my ACB?

Going back through your archives! Great video Justin 👍

Great content as always Justin! I'm trying to find a single video to send to a friend who's a beginner looking for investment advice. After reviewing your older videos I noticed there isn't a video specifically on the basics of why someone might choose to be an index investor/couch potato.

Hi Justin, could you please tell me what kind of investments (ETFs, mutual funds and stocks) and in what kind of accounts at discount brokerages require me to complete the W-8BEN Form. Thank you!

very clear when you watch the two videos

well explained

Perfectly explained! Thanks!

Very clear, concise, insightful advice backed up by factual data. What stood up the most for me was that taking higher risk even after ten years is only 50% likely to beat the less risky investment. Thank you!

Hey! How does this compare to Ben's Five Factor Investing Model Portfolio? I am so confused as to go to all in XEQT vs that.

Clear and concise. Well explained

Great video, I wonder how VI compares to VIU. Your videos are very helpful as a Canadian!

You don't create videos anymore?

Great video 👍🏻 Is there a CDS equivalent for US listed ETFs?

So, did the video about why not just invest in the winning funds ever come out? I couldn't find it on the channel.

If stock amd ETF returns are so poor,why bother? Why not just take out CDs, especially in foreign countries that pay higher interest rates?

Thank you so much for this great video. I opened a non-registered account for the first time and was able to track everything following this video. As a newbie, I just have a question about reporting when I do sell our holdings, all -in one ETFs, likely in a few years. If the capital gains shown on the T3 doesn't reconcile with my own calculation having tracked the ACB, how do I report that on my taxes?

Don't we need to Root (^1/2) at the end (prior to subtracting 1 for the rate) when finding the geometric mean?

Thanks for the video. Any thoughts on the more recent additions of the .T funds? ZGRO.T seems to be a good option for a growth-focused ETF that still has a high yield.

Great video!

why we did not take the square root when we did the geometric linking, because in other example we take the square root, just like a geometric mean

Just found your channel. Excellent video. Answered all my questions regarding Canadian equity ETF choices. Love investing in Canadian companies but am worried about being overweight with Oil and Gas.

Excellent video! Tracking the ACB of ETFs is such a pain. That's why I only hold ETFs in my TFSA and RRSP accounts. I hold some mutual funds in my investment account and my discount broker tracks the ACB. Since these mutual funds do not have phantom distributions, I can just use the ACB provided by my discount broker. Am I doing it correctly? Thanks!

Thank you for the excellent video. Could you please tell me if I need to complete the W-8BEN form if I own a Canadian mutual fund or Canadian ETF that holds US and/or international equities in an investment account, TFSA account, and RRSP account? Thank you!