@indexer, yes I looked into the estate duty which is why I'm buying an Irish domiciled fund. Cash is still and issue, but the risk of me selling more than $60k is very low. I need less than half that to live for a year. The risk of me selling $60k and then dying before I have a chance to re-invest is probably ludicrously low. I'll accept that risk, and avoid the guaranteed custodian fees with TD. Those fees would add up. At 0.3% per year someone with $500k would have to pay $1500 a year. If you anticipate that you'd withdraw 4% or $20k a year, at TD you'd only be able to draw $18.5k. That's basically a month's drawdown you give back to the broker.
