Tfsa canadian couch potato. The cost of the Global Couch Potato has dropped to 0.

Tfsa canadian couch potato 07%) but they are far easier to build and manage than the ETF portfolios. I was looking at Canadian Couch Potato and their model portfolios and was wondering if they still are good options? Specifically option 2: td e-series funds. If it makes you less likely to have buyer's remorse, basically. Veronika June 1, 2020 at 1:24 pm Welcome to Canadian Couch Potato, a blog designed for Canadians who want to learn more about investing using index mutual funds and exchange-traded funds. I’ve been a long time follower and switched to the couch potato initially in 2006 (etf’s) and again in 2009 for my kids RESP and my TFSA (td e funds). Even the safety net had gaping holes: Canadian bond ETFs saw peak-to-trough price drops of about 14%, which no one had ever seen before. Sep 27, 2011 · There comes a time in every Couch Potato’s life when he or she has to answer a nagging question: can I do better? Sure, the three or four plain-vanilla funds in the Global Couch Potato have an excellent track record. All-in-One ETF MER Fee Comparison. VTI is a core holding in my Complete Couch Potato portfolio, but VUN may be a better alternative for most Canadians. Jan 26, 2012 · Say in a Non RRSP, Non-TFSA couch-potato portfolio you hold 40% in CAB as your Income or Stable portion. The 50% allocation to Canadian equities is already high, and it’s made worse by the fact that the index holds just 22 companies. Oct 26, 2021 · It’s been a while since the last new article appeared on the Canadian Couch Potato blog, and over two years since the last podcast. This fund is down 10%. Sep 17, 2012 · Thanks for providing such great information on FWT – I keep referring back to this when rebalancing my portfolio! I have been keeping my Canadian equities in my TFSA and my US and Global equities in my RRSPs. If your RRSP is valued at $100,000, then you should probably have a lot of TFSA room (or a large TFSA) by now, and it is also a great place to practice the Canadian Couch Potato strategy. Dec 3, 2012 · @Canadian Couch Potato I searched on ishares and did not find what is the turnover for these minimum volatility etfs but according the the MSCI web site, the turnover for the MSCI Canada Min Volume index is 21. Once full and put on annual autopilot from other funds the returns will be rolled back into rrsp. I am planning to sell this Option with loss when it still has some value. The withholding tax issues are the same: in both cases they are lost in RRSP and TFSA and recoverable in a non-registered account. May 25, 2017 · RRSP/TFSA/SAVINGS, which ETF to buy for couch potato portfolio? Jump to Latest 11K views 6 replies 3 participants last post by Jimmy May 28, 2017 Jun 6, 2011 · CCP, thanks for the excellent posts and continued responses you provide your readers. I was in same boat and decided to transfer all e-series to TD Direct Investing since there are many more hoops to jump through with EasyWeb for buying an e-series 4 fund "balanced" couch potato solution. Each and every person I talked to would try and sell my funds with MER’s of over 2. Nov 15, 2016 · Canadian Couch Potato November 24, 2016 at 10:02 am @Louis: To my knowledge BMO InvestorLine has not changed their policy. Dec 27, 2020 · Using the Canadian Couch Potato model portfolio for ETFs mean that I will be investing in only 2 ETFs meaning I won't need to sell any of my funds when rebalancing. Apr 15, 2013 · Canadian Couch Potato December 15, 2013 at 11:12 am @Ben: The key point is that there is no way to avoid international (non-US) withholding taxes in an RRSP, no matter what type of fund structure you use. Balancing in the context of Couch Potato Investing (Passive Index Investing) merely means periodically rearranging the proportions of your asset allocations if they have drifted too far away from your previously assigned proportions, to get them back to your planned proportional allocations. I don’t think TDDI will allow you to place a “switch” order, as this is usually only possible with mutual funds and technically TDB8105 is not a mutual fund, it is a savings product. Ready to invest in your education? Browse our selection of the most helpful books on investing and personal finance. There is always the risk such a fund could fall in value. Mar 17, 2018 · Just to be thorough, you can get your target asset mix by adding a tiny bit of complexity and using 2 of those funds or more. Tax-Free Savings Accounts and Registered Education Savings Plans offer significant tax benefits for Canadians. Emerg. Back when that blog was launched, holding the couch potato portfolio was relatively complex, as you had to buy three or four different securities and do your own rebalancing. Jun 27, 2013 · @Stephen: Yes, the withholding tax is lost in a TFSA regardless of which version you use. For instance : – If you use 50% of VBAL and 50% of VCNS, you effectively have a 50%/50% equity/bond mix that is automatically rebalanced Mar 21, 2016 · Check out this site’s model portfolios for some good samples. I am currently about 25% Self-Directed Couch Potato and 75% with the same inherited “good” adviser and am trying to figure out how to mostly part ways and how urgently I need to (RRSP – DYN 077/9494, TFSA – DYN 1562, Non-Reg. It has a lower MER of 0. In TOCC and TOCM about three-quarters of the bonds are Canadian, while in TOCA none of them are. 17% for the two Canadian Oct 15, 2013 · The Couch Potato portfolios I recommend use total-market index funds wherever possible, so I normally don’t pay much attention to sector funds. 98%)in TFSA and coca cola stock (-4. Now it’s time to present the updated longer-term returns of the portfolios, with data provided by Justin Bender. Oct 14, 2022 · Updated for 2022, a look back at the performance of the MoneySense Canadian Couch Potato Portfolio Guide, looking at it all, from core to advanced portfolio models. Dec 10, 2010 · One question, I currently have your global couch potato portafolio using RBC index funds in my TFSA and I am planning to transfer some of them into non-registered account in December ( I need the room for my emergency fund). Oct 22, 2020 · @Canadian Couch Potato, I have a loss situation with Options that will expire in January 15, 2021. 9%), while TOCA as more (27. Sep 6, 2019 · Most of the swap-based ETFs in Horizons’ lineup are inappropriate for Couch Potato investors, but many buy-and-hold indexers use the Horizons S&P/TSX 60 Index ETF (HXT) and Horizons S&P 500 Index ETF (HXS) for the Canadian and US equity markets, respectively, and the Horizons Canadian Select Universe Bond ETF (HBB) has also been popular with Sep 21, 2024 · Index investing is often referred to as couch potato investing. The ETF option has always been cheaper, and it always will be. Even the asset allocation ETFs from Vanguard, iShares and BMO have a target of about 25% to 30% for Canadian stocks. 59%: just two shares - I bought them in the beginning when I was learning investment)and bond 909 (-10. Dec 31, 2018 · Canadian Couch Potato September 30, 2019 at 11:41 am @Ethan: Yes, the most straightforward way to make the switch is to simply liquidate all of your holdings and then immediately purchase your all-in-one ETF across all your accounts. I discovered CCP 6 years back and have stuck to one portfolio ETF : XGRO in both my RRSP and TFSA based on my risk tolerance. Jul 28, 2014 · Canadian Couch Potato September 27, 2014 at 9:03 pm @Tycho: If you plan on spending your TFSA money in the next year or so, then needs to be in cash. You are correct in many instances on perception of info I’m taking in and how it relates to the couch potato plan. Also, note that VFV is an S&P 500 index fund but it is priced in Canadian dollars, so the fund’s return is combination of the actual performance of the S&P 500 and the performance of the US/Canadian exchange rate. Dan’s posts at Canadian Couch Potato are a great learning resource. Those available to individual investors tend to be poor choices. Then, almost as quickly as the markets fell, they roared back more swiftly than anyone What is Canadian couch potato investing? Canadian couch potato investing is an investment strategy that’s simple, low cost, and relatively low effort. DYN 1770/1771/077/9494). The rrsp contribution for me is for the normal reasons of tax deferral but also for the refund to fill the tfsa. gibor February 4, 2011 at 12:27 am Jul 22, 2014 · BlackRock has also changed the name and ticker symbol of the former iShares High Quality Canadian Bond (CAB), which is now the iShares Core High Quality Canadian Bond (XQB). Regardless,you would think that the advisor would want to trumpet the success of the funds. I have some experience in trading stocks, and have been thoroughly reading through the Canadian Couch Potato strategy, but does anyone with experience, specifically with RBC, have any tips or advice on how to start building a balanced portfolio in a TFSA through a self directed account? Apr 4, 2013 · Being a DIY investor is easy when all your accounts are tax-deferred. Canadians interested in investing and looking at opportunities in the market besides being a potato. The MoneySense “Ultimate 2 days ago · If you put your TFSA savings into a couch potato portfolio of index funds or ETFs and leave it to grow, you’ll really make the most of those tax-free, compound returns. I do have a few more questions: Is there an ideal frequency to be purchasing ETFs for TFSA and RRSP? Jul 7, 2017 · Canadian Couch Potato November 10, 2017 at 10:21 am @Eric: You should be fine to use the new funds right away. Discussion is geared towards investment opportunities that Canadians have access to, including questions regarding individual companies, ETFs, tax implications, index investing, and more! • I’ve been following the Canadian couch potato method for about 10 years with TD e-Series index funds (note that CCP dropped the e-Series from his model portfolios in 2022) • I am invested in: o TFSA – TD e-Series 60/40 split (equities/bonds) o Non-registered – TD e-Series 70/30 split (equities/bonds) Jan 22, 2021 · From peak to trough, Canadian equities had declined more than 37%, and foreign markets saw losses between 26% and 29%. Dec 15, 2016 · Dan, great website. Oct 12, 2010 · @Canadian Couch Potato @ Elisa – Re: “You would need to sell TDB8150, wait for settlement (next day) and then place an order for the e-Series fund. 30%, while the Mar 8, 2017 · For TFSA, I should prefer Canadian-listed equities regardless of market (based on Justin’s argument that we can’t predict which market will do best). I am planning on moving to the UK for work. When we look at comparing the costs of all-in-one ETFs vs robo advisors vs DIY couch potato portfolios vs mutual funds, we must first understand what the acronym MER means. This year, however… Mar 12, 2015 · It is suggested that we hold preferred shares outside a TFSA mostly because they are tax efficient, but that brings one question to my mind: Let’s say I put a lot of money into preferred shares (and other income stocks / etfs and bonds) and I receive $2000 a year in cash returns into my TFSA. I don’t think this affects the ETF vs. I use XRB today, 10% similar to the original Complete Couch Potato. Jun 18, 2014 · Don’t open a TFSA or an RESP. Oct 10, 2014 · @CharlieF and 5inatrailer: I have now updated the weighted MERs on the Model Portfolios page. But this Canadians interested in investing and looking at opportunities in the market besides being a potato. should I leave those funds in my Canadian account? How should I continue investing through this couch potato strategy in the UK? Can you list some banks or index funds I should buy there? Thanks, Zam Jan 26, 2017 · In Episode 4 of the Canadian Couch Potato podcast, I answered the following question from a listener named Jakob: I’m currently investing with all my ETFs in RRSP and TFSA accounts. I'm new to investing and saving in general, but I've landed a good job that allows me to save regularly and contribute to my RRSP. I can’t suggest an appropriate asset allocation for you specifically, but 10% bonds is not “too much” for anyone. Discussion is geared towards investment opportunities that Canadians have access to, including questions regarding individual companies, ETFs, tax implications, index investing, and more! Jan 20, 2014 · This is rather unusual since the active portion of the portfolio actually beat the couch potato returns by 2 percent. 14%. I have seen someone else share a link to the Canadian Couch Potato website, it is a great tool to explore if you have an hour or so to dedicate to it. Oct 20, 2014 · Thank you oldie. In a year, at rebalancing time, say you have received X dollars in cash from ROC (which you can use to buy more CAB or HXT or HXS depending on how the preceding 12 months has affected your original 40:30:30 mix). I suspect that this is due to a rather large exposure to US and Asian markets. My assumption is that the 1% commission will apply to any purchase, regardless of how it is initiated. :( The point I was trying to make is that if you have a lot of USD to invest in a taxable account, it makes sense from a tax perspective to use all of those funds to invest in US-listed I've recently started the Canadian Couch Potato strategy for my RRSPs. Nov 7, 2016 · The first is the lack of diversification. It is very very reassuring. Sep 12, 2014 · Canadian Couch Potato February 4, 2019 at 7:24 am @Dan: Congratulations on making the move. And you're going about it the right way, the only way to counteract the late start is with more money in, but if you can put in as much as you are saying for the next 15-20 years, you should be close to a million dollars, with a paid off home, and other government benefits, you should hopefully be able to afford a decent retirement. Jan 23, 2020 · Hi Dan, I have been investing under the 4 index funds at TD e-Series accounts – TFSA and RRSP. however I need to purchase more foreign equities and don’t have anymore contribution in my RRSPs. Dec 20, 2020 · Canadian Couch Potato September 29, 2021 at 2:18 pm @Adam: Thanks for the comment. Jun 20, 2016 · Canadian Couch Potato August 27, 2017 at 7:15 pm @SweetLife: The three-ETF portfolio sounds like it is just fine for your situation. The index: The fund tracks the FTSE All-World ex Canada Index, which includes “primarily large- and mid-capitalization stocks of companies located in developed and emerging markets, excluding Canada. May 18, 2017 · Another note: iShares opened a third US Equity ESG-ETF: iShares MSCI USA ESG Optimized ETF (ESGU). Canadian Couch Potato Portfolio for TFSA? I’ve been doing a lot of research the last few months and have decided to go with a modified CCP portfolio for my TFSA of 100% equities since I’m in my early 20’s. The additional Canadian content in VEA would change your mix to 21. But they’re just so dull. ” Jan 30, 2015 · Canadian Couch Potato February 11, 2020 at 11:01 am @okianus: No, capital gains from selling US assets (or any other kind of assets) are not subject to any tax in a TFSA. The cost of the Global Couch Potato has dropped to 0. You’ve already taken the biggest step, and I want to encourage you not to get stuck in the weeds, as is so common with new DIY investors. While VTI’s annual fee is just 0. The Couch Potato strategy—also called index investing, or passive investing—is growing in popularity as more people become disillusioned with overpriced, actively managed mutual funds and Jan 28, 2020 · Canadian Couch Potato September 22, 2021 at 2:29 pm @John: The expected return on bonds is indeed low. But in general terms, it is not tax-efficient to use a traditional bond ETF in a taxable account. Aug 30, 2019 · @Canadian Couch Potato @Amir. I perused the RBC DI documents again and could not find any specific mention regarding systematic purchase plans for MFs. And, really, does any Canadian investor need more concentration in energy and financials, which already make up 60% of the S&P/TSX 60? But the launch of these funds is significant for a couple of reasons. Even in an RRSP, the total difference of 14 basis points is not likely to outweigh the cost of currency conversion in smaller accounts. So I’m pleased to [] Canadian Couch Potato 2021-10-26T19:48:11-04:00 ETFs and Funds , Financial Planning , Portfolio Management | 216 Comments I've been listening to the Canadian couch potato investing podcast and in one episode they crunch the numbers saying that 2/3s of the time it works out better to invest all at once. Jan 25, 2016 · @Luciano: I can offer some light on question #2. But the US government may consider them foreign trusts that require additional reporting. I thought I’d add one more factor when considering this: if you borrow to invest (such as borrowing against your home to investment) and want to be able to write off the interest expense against your investment it seems you should not invest that part of your portfolio in these swap ETF structure! May 30, 2017 · In Episode 8 of the Canadian Couch Potato podcast, I answered the following question from a listener named Remy: I want to move away from my stocks and mutual funds in order to build a Couch Potato… Apr 22, 2014 · Canadian Couch Potato April 23, 2014 at 10:35 am @John: Nope, no difference. May 24, 2018 · juggabags: I’ve followed the Couch Potato plan for years, shifting only very occasionally between the recommended ETFs in my RRSP and TFSA. Using the Canadian Couch Potato model portfolio for ETFs mean that I will be investing in only 2 ETFs meaning I won't need to sell any of my funds when rebalancing. Discussion is geared towards investment opportunities that Canadians have access to, including questions regarding individual companies, ETFs, tax implications, index investing, and more! Apr 23, 2019 · My Couch Potato portfolio also includes a Canadian equity mutual fund that is a leftover from another investment firm. The lower fees should already be in effect: it’s just that the published MERs won’t change until the funds’ next audited financial statements are prepared. com Sep 13, 2024 · We’ll provide a Canadian Couch Potato review below, and discuss some of the features of the portfolios that the website recommends. Tangerine decision at all. As the April 30 tax deadline approaches, pretty much all you need to do is gather your RRSP contribution slips. Aug 2, 2017 · 1. This fund has a similar makeup to the much older iShares Canadian Universe Bond (XBB), but again, the key difference is cost. Notice that TOCC has much less in Canadian stocks than international stocks (8% versus 12. I know XGRO isn’t ideal within TFSA because of the additional withholding tax. Even a traditional Canadian equity index fund has some diversification problems with 240-plus companies and 34% in financials. 6% Canadian equities and only 25. Boring is good. I was thinking of also using my td account to purchase option 1: vanguard asset allocation etfs First, please don't forget your TFSA. To help with that task, I’ve compiled a checklist of commission-free ETFs available from each of the brokerages, limiting the selection to broadly diversified funds that cover core asset classes. This cash was accumulated through monthly savings over 2014 by transferring to a holding account on paydays. So far, I have kept all my foreign exposure in my RSP and I keep only Canadian ETFs/bonds in my TFSA and RESP. May 20, 2014 · with the introduction of tfsa, is there a need to have an rrsp anymore for normal canadians? most investing wisdom say a good starting point to saving for retirement is to save 10% of ones income, with avg person income around $40,000 a year, 10% of that wouldn’t even max out a tfsa each year. I do have a few more questions: Feb 2, 2011 · Canadian Couch Potato February 3, 2011 at 12:35 pm @Ninja: Thanks for the protection — it’s always good to have a ninja watching your back. New investors begin here! We’ll introduce you to the Couch Potato strategy, why it works, and how to get started. I was aware that the offerings were limited in Canada, and I’m sure I have read the fund page at least a couple times, but it’s good to see the concentration risk highlighted directly in a table like that. Feb 20, 2014 · I would argue that in a TFSA or taxable account the difference is trivial, and Canadian-listed ETFs are almost certainly the better choice. I intend on rebalancing via adding addition money to my brokerage account, not via selling. And for taxable accounts, I should prefer Canadian equities, discount bonds such as ZDB, and finally Canadian-listed US equities (where at least foreign withholding tax can be recovered). However, it’s important to understand the trade-offs if you would like to remove them from a balanced portfolio. Jan 19, 2012 · It’s unlikely that much of that $900 million came from newly sprouted Couch Potatoes. 5% or so. I just started investing last year with a modest amount of money ( under 30k). Jan 31, 2011 · It’s not just dividend investors who face risks from Canada’s small, narrowly focused stock market. 2 billion) went into covered call ETFs. Canadian Couch Potato has been a huge help in aligning my savings. No need to strive for “optimal,” as there is always a chance of doing worse by trying to do more. Jun 28, 2021 · The Tangerine Core Portfolios (as well as the traditional Couch Potato models) include equal amounts of Canadian, US and international stocks. But if you have nonregistered accounts, things are more complicated, even if you’re a Couch Potato who uses ETFs and index funds. ” May 5, 2014 · I think #5 is great advice. Jul 12, 2012 · So you would use in in a couch potato type portfolio in the same place as you would otherwise use your Bond ETF (barbell, laddered or otherwise), and they would let you also have proportional Equity ETFs in the TFSA, and annually or whenever you plan to, you can re-balance your portfolio, which includes “selling” by somehow redeeming some Jun 28, 2012 · But if you’re a long-term Couch Potato investor, you have to look a little harder for appropriate ETFs. My question now comes for short term savings. 75% up), 911 (-2. I think you are unclear as to the concept of balancing. May 30, 2016 · Thanks for another great post. Jul 19, 2018 · Thank you again, Canadian Couch Potato. Should I hold onto it for a bit longer, or just sell it and put the proceeds into an ETF? We have a strong intuition that we should wait for a stock or fund to get back to even before we sell it. A quick refresher: MER stands for Management Expense Ratio. 2% international). Mar 26, 2013 · Canadian Couch Potato January 1, 2022 at 4:29 pm @Daniel: Looking back at this old post I see that the paragraph you highlighted is very poorly written. 4% Canadian and 18. Couch potato is the right answer for most people. 98%🙀 for Jan 26, 2021 · The Canadian Couch Potato portfolio is a model portfolio that is published on a blog (developed by Dan Bortolotti) and designed for Canadians who want to learn more about investing using index mutual funds and exchange-traded funds (ETFs). Mar 28, 2013 · 2) TFSA or RESP (I am assuming the answer is the same for these types of accounts). XBB has a management fee of 0. My three model portfolio options represent a trade-off between cost and convenience: the Tangerine funds have the highest cost (1. While these ETFs may have a role in some portfolios, such widespread enthusiasm for covered calls probably has more to do with chasing yield than prudent investing. 12% for the MSCI Canada index. The questions to ask yourself will be concerning your risk tolerance and time horizon. Dec 27, 2020 · After investing my initial lumpsum, I plan to continue to max out my TFSA my RRSP each year. All of the same investments you can make in your RRSP are also available in your TFSA. Even Couch Potatoes who hold the entire S&P/TSX Composite have 70% of their money in three sectors (financials, energy, and materials). I rebalance our Couch Potato Portfolios in June because that is our anniversary of starting them. Feb 18, 2021 · By contrast, the relative proportions differ among the three TD funds. Hi i have been investing little by little ($100 per month-pre authorized deposits so I dont pay MER) at td e series and bought some SPY(just 2 shares-13% up), 900 (19% up), 902(8. Today, you can just pick one of the many all-in-one ETFs and call it a day. Jan 17, 2013 · Last week I announced the 2012 returns for my model portfolios. With every further insight you give us, you shore up the same old boring and unspectacular concept — don’t try to predict the future, or at least don’t try to make money on your prediction. You still need to phone them to sell DLR in the currency other than the one in which you bought it. Another 16% of ETF inflows ($1. 6% international. The fund: Vanguard FTSE All-World ex Canada Index ETF (VXC). Nov 19, 2014 · Canadian Couch Potato January 11, 2018 at 10:05 am @Peter: It’s impossible to make a specific recommendation for your situation without knowing all the details. Dec 31, 2020 · Thanks Dan for this blog and your simple portfolio suggestions. 28% and follows a similar selection algorithm to ESGD and ESGE. Jan 12, 2019 · The subtleties. Say you’ve allocated 20% of your portfolio to Canadian equities and another 20% to international. It’s coming up to rebalancing time and I am struggling to determine the best way to rebalance. While it does involve investing in index funds, it doesn’t require extensive research on which markets are the most successful or making any kind of forecasts. See full list on canadiancouchpotato. 05% (compared with 0. However, I am planning to buy another option with a different strike price and expiration date with the same underlying stock in the same day. Both stocks and bonds can easily lose money over periods of even two or three years and should never be used for short-term investments. In that case, since the only consideration is currency conversion, the Canadian-listed version is likely to be a better choice. It’s been a while since the last new article appeared on the Canadian Couch Potato blog, and over two years since the last podcast. These all in one ETF portfolios by Canadian Couch Potato are the best solution for the vast majority of DIY investors. Learn more. Feb 24, 2011 · I would like my portfolio to follow a little closer to the Canadian Couch Potato Assertive portfolio, so I need to increase my VSB and VXC, and decrease my VCN. Surely you can squeeze out even better performance with a more sophisticated portfolio. Looking to build your own Couch Potato portfolio with index funds or ETFs? We offer examples for all risk profiles. It can be beneficial to ladder the investment for a behavioural and psychological reason. . I've recently started the Canadian Couch Potato strategy for my RRSPs. Will I still receive other people’s taxes even though I held my index funds inside my TFSA most of the year? Dec 3, 2012 · @Canadian Couch Potato I searched on ishares and did not find what is the turnover for these minimum volatility etfs but according the the MSCI web site, the turnover for the MSCI Canada Min Volume index is 21. But, now I’m thinking of getting into one of Vanguard’s new Asset Allocation ETFs (probably VBAL ) and was questioning whether I should move all my current investments over, or just add any new funds Mar 3, 2015 · Canadian Couch Potato March 14, 2015 at 10:18 pm @Jas: I would not recommend any bond fund for such short-term savings. That’s why all Canadian investors should give serious thought to addressing their home bias. Looking to open a TFSA and I have a td direct investing account open that I haven't used yet. Aug 16, 2013 · Vanguard’s initial launch in 2011 included a version of this fund with currency hedging , but this new ETF is not hedged to Canadian dollars. The RESP & TFSA (TD efunds) portfolio is about to get to six figures and I’m wondering if it is time to switch to an ETF portfolio? Nov 10, 2018 · Canadian Couch Potato November 13, 2018 at 12:16 pm @James: In Canada, low-cost target date funds are common only in employer-sponsored plans. Jul 10, 2014 · This post is part of a series that takes a detailed look at specific Canadian ETFs or index funds. Jan 1, 2015 · Today being the first day of the year, I have deposited the annual max to our TFSA accounts and the RRSP account we will top up for the year. Oct 26, 2015 · But here’s a situation where the math reveals this is a trivial concern. I am looking for a tax efficient way to have foreign exposure (either US or international) in my TFSA and/or RESP and I am yet to figure it out. So I’m pleased to share the reason for the long silence: I’ve been busy on a new book called Reboot Your Portfolio: 9 Steps to Successful Investing with ETFs. 03% compared to 4. ptapn xkt zwtb amizjr lpyvt afj dvf bramob aodwpq grcnus