Comments on: This and That http://www.canadiancapitalist.com/this-and-that-45/ Helping you invest and prosper Sat, 11 Feb 2012 12:40:17 +0000 hourly 1 http://wordpress.org/?v=3.3.1 By: Canadian Capitalist http://www.canadiancapitalist.com/this-and-that-45/#comment-35721 Canadian Capitalist Mon, 14 May 2007 17:49:17 +0000 http://www.canadiancapitalist.com/2007/05/10/this-and-that-45#comment-35721 FT: Everyone (even the most aggressive investor) should have some bonds in their portfolio. In my personal portfolios, I am shooting for 20% allocation and am currently at 15% and I consider myself an aggressive investor. Having your age in bonds is a good thumb rule, but it also depends on other factors like your time horizon, risk tolerance etc. FT: Everyone (even the most aggressive investor) should have some bonds in their portfolio. In my personal portfolios, I am shooting for 20% allocation and am currently at 15% and I consider myself an aggressive investor.

Having your age in bonds is a good thumb rule, but it also depends on other factors like your time horizon, risk tolerance etc.

]]> By: MillionDollarJourney.com http://www.canadiancapitalist.com/this-and-that-45/#comment-35684 MillionDollarJourney.com Mon, 14 May 2007 14:08:44 +0000 http://www.canadiancapitalist.com/2007/05/10/this-and-that-45#comment-35684 CC, what is your opinion on the % of bond allocation to ones portfolio? Do you follow the age rule where the older you get, the higher the % of bonds you should hold? FT CC, what is your opinion on the % of bond allocation to ones portfolio? Do you follow the age rule where the older you get, the higher the % of bonds you should hold?

FT

]]> By: Canadian Capitalist http://www.canadiancapitalist.com/this-and-that-45/#comment-34843 Canadian Capitalist Fri, 11 May 2007 10:53:17 +0000 http://www.canadiancapitalist.com/2007/05/10/this-and-that-45#comment-34843 Good point. However, I noted that the funds are low-cost compared to other Canadian mutual funds. Yes, Canadian mutual fund fees are very high compared to the rest of the world, but what can the average investor do about it? Good point. However, I noted that the funds are low-cost compared to other Canadian mutual funds. Yes, Canadian mutual fund fees are very high compared to the rest of the world, but what can the average investor do about it?

]]> By: Outroupistache http://www.canadiancapitalist.com/this-and-that-45/#comment-34801 Outroupistache Fri, 11 May 2007 03:49:34 +0000 http://www.canadiancapitalist.com/2007/05/10/this-and-that-45#comment-34801 CC, I know you are aware of the difference but using the term "low cost" in reference to any Canadian fund gives too much credit to our domestic fund industry. Another of your posts refers to a study that concludes the Canadian fund industry has the highest fees in the world. Even the lowest cost of our Canadian funds are not close to those of our nearest neighbour, the USA, nor the UK. Take bond funds, for example. The iShares UK bond ETF index funds are mostly 0.20% annual MER, the US iShares range between 0.15 and 0.20% while the good old Canadian iShares clock in at 0.25% to 0.40%. Canadian costs are double those in the US. That's the same company!! TD's e-Series bond index fund has 0.48% MER while Vanguard's US bond ETF funds have expense ratios of 0.18 to 0.20% and the absolute highest of any of their many mutual funds is 0.29% with the majority in the 0.14-020% range. Canada has a long ways to go before I would use the term low cost in the same sentence with the word fund. CC, I know you are aware of the difference but using the term “low cost” in reference to any Canadian fund gives too much credit to our domestic fund industry. Another of your posts refers to a study that concludes the Canadian fund industry has the highest fees in the world. Even the lowest cost of our Canadian funds are not close to those of our nearest neighbour, the USA, nor the UK.

Take bond funds, for example. The iShares UK bond ETF index funds are mostly 0.20% annual MER, the US iShares range between 0.15 and 0.20% while the good old Canadian iShares clock in at 0.25% to 0.40%. Canadian costs are double those in the US. That’s the same company!! TD’s e-Series bond index fund has 0.48% MER while Vanguard’s US bond ETF funds have expense ratios of 0.18 to 0.20% and the absolute highest of any of their many mutual funds is 0.29% with the majority in the 0.14-020% range. Canada has a long ways to go before I would use the term low cost in the same sentence with the word fund.

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