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Topics - Strive

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Shares / TFSA Portfolio Allocation
« on: February 08, 2016, 12:22:04 pm »
Hi guys - about to begin riding the TFSA train, and I'm wondering how best to go about splitting the various ETF's.

My thinking is this - the only real question for a TFSA is how big you're going on the international allocation. For the SA equities, you'd put the bulk in DIVTRX/STXINDI/perhaps a REIT. For the international, a good option is DBXWD (TER of 0.68%). Not sure if it's necessary to include DBXUS, but perhaps it's a good idea to have a bigger proportion of the world's biggest economy.

So, with these conditions, how much of your portfolio would you put in the international players? I was thinking of a straight 50/50, but I'm wondering if that could be favorably tweaked. As this will only be accessed in 16 odd years, I'm ultimately far more interested in the long term performance, and so want to optimize for that. Any thoughts/criticisms?

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Off topic / Retirement annuity - what's the consensus?
« on: November 05, 2015, 03:00:03 pm »
Hey everyone - newbie investor here. Been lurking for a while, but I've decided to participate a bit and see where that ends up.

I am thoroughly confused as to what to do with my RA. I've had one for years now, but the fact that I can't touch it until I'm 55 burns me deeply. I'm 32, and I plan to retire well before then, and I can't help but think that having the money now to invest as I please might outweigh any benefits that an RA provides.

What would you guys do? Do you keep the RA, pump as much as you can into it and take advantage of the tax benefit, as well as carry on investing in equities/property/what have you? Or do you cancel the RA, get the money out, take the hit, and then pump it into other investments? Or is that just a terrible idea, as every financial advisor I've spoken to seems to believe?

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On rereading this, I realize this is a tad open-ended  :P No one can say for sure what to do without a lot more information. I guess I'm just looking for people's opinions here, as opposed to any hard and fast rules. What have others done? What worked, what didn't work, that sort of thing. If the consensus is, RA's all the way, then that's great :)

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