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[ad_1] .couch-potato-2021 { margin-bottom: 1em; max-width: 100% } @media (max-width: 991px) { a.menu-button-link { width: 93% } } @media (min-width: 992px) { .couch-potato-2021-links { display: flex; flex-direction: row; flex-wrap: nowrap; justify-content: space-between; align-content: space-around; align-items: flex-start } } a.menu-button-link { display: inline-block; font-size: .8em; background-color: #e5eff6; color: #102f32; font-weight: 700; text-decoration: none !important; margin: .5em; padding: .5em; border-radius: 4px; border: solid 1px rgb(35, 94, 99); max-width: 400px; } a.menu-button-link:hover { color: #e5eff6; background-color: #102f32; } Overview 5 ways to build a portfolio Core portfolios Advanced portfolios <!– Historical performance –> Option 1: Tangerine Investment Funds Tangerine, an online bank and a division of Scotiabank, was first to offer Canadians simple and lower-cost index-based mutual funds.  Tangerine Core Portfolios For those who want to go with the classic portfolio of 60% equities, 40% bonds, there’s the Tangerine Balanced Portfolio, which was launched in January 2008. The bond component of the portfolio helps to mitigate the riskier equities component. For example, when the combined stock markets (Canada, U.S. and International) declined by more than 50% during the financial crisis of 2008-2009, the Balanced Portfolio declined by just 25%. This balanced asset allocation can make it a lot easier for investors to stay the course during market turbulence.  If you want a lower-risk portfolio, opt for more bonds. If you want a higher-risk portfolio (with greater growth potential), choose one with more stocks, as shown below. Core Balanced Income: 30% bonds, 70% stocks Core Balanced: 40% bonds, 60% stocks Core Balanced Growth: 25% bonds, 75% stocks Core Equity Growth: 0% bonds, 100% stocks Start by completing the online questionnaire on the Tangerine investment site that evaluates your goals, risk tolerance and time horizon. It will then recommend the most suitable portfolio for you based on your answers. Fees The Tangerine Core Portfolios are mutual funds, which means there are no fees when you buy or sell. That can make them attractive for those who are starting out with smaller amounts. That said, the historical performance demonstrates that the portfolios have been wonderful investments and would be suitable for many, even those with larger portfolios.  The Management Expense Ratio (MER, which is the percentage fee that comes off the top of your investments before you see any returns), is 1.07%. That is a 50%-off sale compared to a typical Canadian mutual fund. This is because as passive index-based mutual funds, the trading expense ratios (TER) are very low, typically just 0.02%. Actively managed mutual funds can carry much higher TERs that can cut into your returns over time.    In addition to lower MERs the Tangerine funds will have a very low trading expense ratio, known as the TER. For Tangerine Core portfolios the MER is 0.01% or 0.02%, while actively managed mutual funds can generate significant trading fees that are often in the area of 0.20% and more. A passive approach can also help keep a lid on those TERs. Tangerine Global ETF Portfolios While performance has been quite strong for the Tangerine Core Portfolios, their 1.07% fee level is high compared to other Couch Potato offerings. In response, the bank created Tangerine Global ETF Portfolios, which have lower management fees of 0.65%. The total MER, including taxes and TER, will likely take the fee level to 0.72%.  This is another welcome addition to the Canadian Couch Potato family, and are available at the following three risk levels:  The Balanced ETF Portfolio is 60% stocks and 40% bonds The Balanced Growth ETF Portfolio is 75% stocks and 25% bonds The Equity Growth ETF Portfolio is 100% stocks Note that the Equity Growth Portfolio should be limited to those with a long time horizon (read: younger investors) and a high risk tolerance level. At Tangerine you will have access to Investment Advisors from Monday to Friday, usually from 8 a.m. to 8 p.m. Most clients will execute their own buys and sells online. But keep in mind that both these Tangerine options are managed portfolios.    Option 2: TD e-Series funds Like Tangerine, TD bank also offers index-based mutual funds with some very reasonable fees. That said, the assets are offered in four individual baskets, so you need to create your own portfolio and do your own rebalancing.  This approach requires slightly more effort than Tangerine’s ready-made portfolios, but the fees are also lower than Tangerine’s. MERs for the TD e-Series funds range from 0.28% to 0.45%, so a blended portfolio would have an estimated MER of 0.40%, compared to Tangerine’s 0.72% to 1.07%, depending on the type of portfolio you choose (Core or Global ETF).  Below are the four TD e-Series index mutual fund offerings, which you can combine in any proportion, from cautious to aggressive. A balanced 60% equities/40% bonds portfolio, for example, could have the following allocation: !function(e,i,n,s){var t=”InfogramEmbeds”,d=e.getElementsByTagName(“script”)[0];if(window[t]&&window[t].initialized)window[t].process&&window[t].process();else if(!e.getElementById(n)){var o=e.createElement(“script”);o.async=1,o.id=n,o.src=”https://e.infogram.com/js/dist/embed-loader-min.js”,d.parentNode.insertBefore(o,d)}}(document,0,”infogram-async”); TD Index Balanced PortfolioInfogram TD Canadian Bond Index Fund-e (TDB909): 40%  TD Canadian Index Fund-e (TDB900): 20%  TD U.S. Index Fund-e (TDB902): 20%  TD International Index Fund-e (TDB911): 20% If you currently hold the TD e-Series by way of EasyWeb, the online banking platform that allows you to buy mutual funds you can continue to hold. That said, there was a recent change announced stating that you would no longer be able to add to those holdings. You would have to open up a discount brokerage account and purchase through that platform. There would be no fees for the purchase or sell orders.  I am assuming that you can still get set up by way of an in-branch TD advisor if you’re a TD client. Check back in this space, I will look into these recent changes.  For non-TD clients you might take a pass here and instead go for an ETF portfolio option, which is about half the cost of the TD e-Series funds. Option 3: One-ticket asset-allocation ETFs One of the greatest leaps in Couch Potato investing is the introduction of one-ticket ETFs. Investors can enter one ticker (ticket) symbol and receive a managed globally diversified ETF

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[ad_1] China welcomes Huawei executive home, but silent on freed Canadians [ad_2] Source link

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[ad_1] Every year, Canada welcomes thousands of newcomers from all over the world. Their contributions to the community are a large part of what makes Canada such a rich and diverse country. As one of Canada’s largest banks, RBC plays an important role in the journey of newcomers, supporting them with products and services that go beyond simply opening a bank account. Amit Brahme, Senior Director, Newcomer Client Segment at RBC “For over 150 years, RBC has been helping newcomers get settled and established in Canada by providing them with the resources that they need,” says Amit Brahme, senior director of the Newcomer and Cultural Client Segment at RBC. “By supporting newcomers, we support diversity and inclusion and learn more about what that means to our clients and employees.” Brahme, who first came to Canada in 2005, leads the growth and development of the “New to Canada” segment at RBC, responsible for a number of initiatives designed to support newcomers. RBC Meeting Place: Specialized one-to-one advice and support for newcomers to Canada RBC Meeting Place is not a typical bank branch. Staffed with specialized advisors, many of whom were once new to Canada themselves, they focus exclusively on helping newcomers settle faster. Through partnerships with local community organizations and tailored programming, each RBC Meeting Place is designed to empower newcomers with the resources they need to build a life in Canada. RBC Meeting Place in Brampton, Ont. With services offered virtually or in person, newcomers can connect with an advisor for support on a number of topics including banking, housing, employment and community involvement. The goal is to plug them into a community network that understands their journey and can support their unique needs. “RBC Meeting Place is brought to life by a team of employees who have lived through the experience of settling in a new country,” says Brahme. “What better way to help newcomers than to connect them with people who understand their challenges and are equipped to provide holistic advice and support?” Currently, RBC Meeting Place locations can be found in cities across Canada, including Brampton, Ont., Markham, Ont., Vancouver, Edmonton and Calgary. Services in more than 200 languages: Keeping the newcomer experience front and centre Moving to a new country comes with many challenges. For newcomers whose first language isn’t English, communication can sometimes be the biggest barrier of all—especially when it comes to dealing with important and intricate topics like banking and personal finance. In order to ensure newcomers have access to professional financial advice, whatever their first language may be, RBC offers easy access to Language Line. With Language Line, RBC employees can get in touch with professionally trained interpreters to assist their clients—in the clients’ preferred language—within seconds. “We proudly offer our services in more than 200 languages,” says Brahme. “We’re a bank that recognizes and embraces the diversity of Canada and we’re committed to helping all communities prosper.” Banking with RBC: Solutions to help newcomers settle faster To help ease the transition into life in Canada, RBC provides a banking solution with products, services and offers designed especially for newcomers. This includes credit solutions that help newcomers get started with no prior credit history required and special offers through a select group of partners. “If you are new to Canada, one of the first things you’ll want to do is make sure your finances are in order,” says Brahme. “With the RBC Newcomer Advantage, we’re offering everything that’s needed for a great financial start.” In addition to the RBC Newcomer Advantage, newcomers can bank with RBC anywhere, anytime online and with the RBC Mobile app, and easily access their money using the largest combined branch and ATM network across Canada. If questions arise, it’s now easier than ever to connect with an RBC advisor wherever it’s most comfortable, whether that’s online, over the phone or in person. To find out more about RBC’s newcomer solutions, visit RBC.com/newcomers. The post Welcome to Canada: How RBC empowers newcomers to succeed appeared first on MoneySense. [ad_2] Source link

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[ad_1] Huawei CFO leaves Canada after U.S. deal on fraud charges, detained Canadians head home [ad_2] Source link

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