Thanks again for the info. It's nice to know that we, as investors, have so many options to choose from. Still, I prefer covered calls ETFs like HYLD, HMAX & HDIV mixed with a few split share funds like RS, ENS & BK. To each his/her own.
My top U.S. Dividend ETF’s which I own in my RRSP are as follows- SCHD Schwab Dividend equity ETF next is DGRO IShares core dividend growth ETF and my third holding is SPYD which is SPDR Portfolio S&P 500 high dividend ETF. Thank you Adrian for something a little different.
Hey Just trying to understand the 15 precent witholding tax still VFV how much would that effect your annual return with that 15 precent? And how do you factor that calculation in. And also do you get taxed heavier when withdrawing these kind of etf with us in them? Thanks for you content very helpful
Thx Adri. I had forgotten about VGG because of its 1.33% yield, but I found out that it is the same as the popular US listed VIG. It grows the dividend over 10% per year. So the 1.33% will become 2.66% in 7 years and to 5.32% in 14 years. I prefer SCHD but I don't want to go over 100k in non registered US listed assets. Why couldn't I learn about this 25 years ago when I was 25 lol.
Thanks for the VGG, I had not found this one and total returns are good! This is the type of ETF I buy when I receive the dividends from the high yield stocks like BK, FTN, HTAE, etc
This is a great video! I love it. I noticed some comments in your other videos are contrarian to your picks. I noticed your replies can be harsh. I feel some comments are actually quite high quality and we need people like that in the community to go against what you have to say sometimes to keep the investments honest. This not only removes us from bias, it could also save us from making investment decisions and help us reallocate. I really think the devils advocate is useful to help us from blind spots. Obviously some comments are trolls and those are straight out rude! But good feedback will help all of us coupled with polite responses.
Hey Adrian, I'm just revisiting this video as I'm rebalancing my RRSP and I hold VIU, VEE, VFV, and VCE in it. I believe I will just be moving out of VIU & VEE and some of my VCE to move into VEQT, however the U.S allocation on VEQT for U.S is ~44% and also VEQT holds VCN over VCE - although they are essentially the same. TLDR: For pure equity growth I'm going to strictly hold VEQT along with VFV for a bit more U.S exposure and VCE for some extra Canadian exposure (i understand there is a bit of overlap but I am okay with that as I'd like my allocation to ballpark 50-60% U.S, 30% Canadian, ~15% Global all cap, and about 7% Emerging. Does that sound like a decent growth RRSP? I'm aware ill have to throw some fixed income in there which i will definitely do also!
Seems like you have a plan and it’s solid but fixed income sucks , why bother ? Top Canadian Listed ETFs for Maximum Long Term GROWTH & Total Return th-cam.com/video/9lrg7eH_pz8/w-d-xo.html
Lots of people, even Adrian, will chose to overlap for something they want to increase their exposure to. I'm planning to do the same kind of idea but reverse. My core holdings will be the specific ETFs and and I'll add some XEQT for global exposure (and overlap of US and CAN large market cap). 50%: S&P500 and 10%: Nasdaq100(HXQ for the lower MER) for US 10%: S&P60 (HXT for the lower MER), 5%: HUTS and 5%: HCAL for Canada(this is a suggestion from one of Adrian's video that I really like). 20% will be XEQT (just like VEQT it holds the total markets). I'll get a fifth of whatever XEQT allocates to emerging markets and dev. countries ex. N. Am. The final allocation looks like 68% US, 25% CAN, 5% Dev. Countries and 2% Emerging Markets. I'm not adding any fixed income or anything else in that RRSP for now (I have another RRSP that is fully Passive Income). I have 20 years until retirement and I'll evaluate when and how much I sell in 15 years or so.
Thanks for the info and video! I"m quite new to investing in the stock market and trying to navigate all of the different information. Will these US and global focused ETF's have withholding tax on the dividends if in a TFSA?
How about ETFs that track NASDAQ top 100. They out perform S&P 500 ETF's , But havent heard anyone talking about NASDAQ top 100 ETF's like HXQ. Any thoughts?
Is there an advantage between using these hight dividend stocks mentioned here and other ETF from Hamilton, Brompton or Horizons with more than 10% yield?
Another Awesome, and informative video 👍as canadian are we allowed to open up an account in moomoo or not ?! I know that Webull n Robinhood are not open to Canadian. Subscribed well deserved 👏😊😊😊😊😊
Most, if not all of the ETFs Adrian used are Canadian based, so on a daily basis their price changes include the variations in foreign exchange. It doesn't affect the yield though, the amount they pay out is fairly steady, and like all equities the yield is based on the share price on a given day.
You can explore the various returns of these ETFs using portfolio visualizer- you can create all kinds of combinations of these ETFs, covered call ETFs and even split funds. These ETFs have been around for much longer so you'll get a better historical perspective for them, but you can build three simultaneous portfolios of up to 10 holdings each in a combination you like. It's a great tool to help you understand total growth, income, and also income indexed to inflation, depending on the options you choose when you run it.
well if you don't have US dollars its much more convenient since you save on exchange fees, you also do not need to look at withholding taxes although they are paid by the manager in the CAD listed ones
its fantastic but keep in mind this video was only covering Canadian listed products , SCHD would be a U.S. equivalent of something like VDY on the Canadian market. VYM is the Vanguard equivalent
HSX is another sp500, but yes you are correct that the nasdaq can also be a good overall U.S. option but its more tech heavy than the sp500 bmo has one and then there is also HXT which is a pure growth option. i am working on a collab with Horizons to cover the HXT
Hey Adriano, question: When you decided to retire and got all your money on hand, did you DCA or lump sum invested all of it at once? I've read mixed opinions what's the better strategy for investing when you have chunk of money and decide to invest. Maybe worth a video 🤔
YESS! All of these high yield etfs actually lose value over time unless you have big time amounts invested. I currently have almost 200k invested w/ zwe zwb zwu gdv hyld hdiv dfn ffn rs The div is over $1,300 a month but the loss on the principle has made it a net loss over 2 years now
@@PassiveIncomeInvesting I agree it is not a very exciting/'sexy' ETF but it seems like it provides stable growth with a monthly dividend and great diversification, which I find interesting as I am a relatively conservative investor. Do you see any glaring issues with it making up a majority of a portfolio? Any better alternatives that ideally would provide a monthly dividend?
Thanks again for the info. It's nice to know that we, as investors, have so many options to choose from. Still, I prefer covered calls ETFs like HYLD, HMAX & HDIV mixed with a few split share funds like RS, ENS & BK. To each his/her own.
Good stocks for income but it's off topic. These are not designed for growth. Decent yield though.
My top U.S. Dividend ETF’s which I own in my RRSP are as follows- SCHD Schwab Dividend equity ETF next is DGRO IShares core dividend growth ETF and my third holding is SPYD which is SPDR Portfolio S&P 500 high dividend ETF. Thank you Adrian for something a little different.
all good options for a dividend strategy .
Hey
Just trying to understand the 15 precent witholding tax still
VFV how much would that effect your annual return with that 15 precent? And how do you factor that calculation in. And also do you get taxed heavier when withdrawing these kind of etf with us in them?
Thanks for you content very helpful
VFV = Canadian Listed = the 15% tax is managed by Vanguard. the total returns are NET of taxes and expenses
Thx Adri. I had forgotten about VGG because of its 1.33% yield, but I found out that it is the same as the popular US listed VIG. It grows the dividend over 10% per year. So the 1.33% will become 2.66% in 7 years and to 5.32% in 14 years. I prefer SCHD but I don't want to go over 100k in non registered US listed assets. Why couldn't I learn about this 25 years ago when I was 25 lol.
lots of great options out there but many are quite similar and have the same goal
Thanks for the VGG, I had not found this one and total returns are good! This is the type of ETF I buy when I receive the dividends from the high yield stocks like BK, FTN, HTAE, etc
This is a great video! I love it. I noticed some comments in your other videos are contrarian to your picks. I noticed your replies can be harsh. I feel some comments are actually quite high quality and we need people like that in the community to go against what you have to say sometimes to keep the investments honest. This not only removes us from bias, it could also save us from making investment decisions and help us reallocate. I really think the devils advocate is useful to help us from blind spots. Obviously some comments are trolls and those are straight out rude! But good feedback will help all of us coupled with polite responses.
Hey Adrian, I'm just revisiting this video as I'm rebalancing my RRSP and I hold VIU, VEE, VFV, and VCE in it. I believe I will just be moving out of VIU & VEE and some of my VCE to move into VEQT, however the U.S allocation on VEQT for U.S is ~44% and also VEQT holds VCN over VCE - although they are essentially the same. TLDR: For pure equity growth I'm going to strictly hold VEQT along with VFV for a bit more U.S exposure and VCE for some extra Canadian exposure (i understand there is a bit of overlap but I am okay with that as I'd like my allocation to ballpark 50-60% U.S, 30% Canadian, ~15% Global all cap, and about 7% Emerging. Does that sound like a decent growth RRSP? I'm aware ill have to throw some fixed income in there which i will definitely do also!
Seems like you have a plan and it’s solid but fixed income sucks , why bother ? Top Canadian Listed ETFs for Maximum Long Term GROWTH & Total Return
th-cam.com/video/9lrg7eH_pz8/w-d-xo.html
Lots of people, even Adrian, will chose to overlap for something they want to increase their exposure to. I'm planning to do the same kind of idea but reverse. My core holdings will be the specific ETFs and and I'll add some XEQT for global exposure (and overlap of US and CAN large market cap).
50%: S&P500 and 10%: Nasdaq100(HXQ for the lower MER) for US
10%: S&P60 (HXT for the lower MER), 5%: HUTS and 5%: HCAL for Canada(this is a suggestion from one of Adrian's video that I really like).
20% will be XEQT (just like VEQT it holds the total markets). I'll get a fifth of whatever XEQT allocates to emerging markets and dev. countries ex. N. Am.
The final allocation looks like 68% US, 25% CAN, 5% Dev. Countries and 2% Emerging Markets.
I'm not adding any fixed income or anything else in that RRSP for now (I have another RRSP that is fully Passive Income). I have 20 years until retirement and I'll evaluate when and how much I sell in 15 years or so.
Thanks for the info and video! I"m quite new to investing in the stock market and trying to navigate all of the different information. Will these US and global focused ETF's have withholding tax on the dividends if in a TFSA?
How about ETFs that track NASDAQ top 100. They out perform S&P 500 ETF's , But havent heard anyone talking about NASDAQ top 100 ETF's like HXQ. Any thoughts?
Definitely a good option considering last year's correction. Look for the upcoming CPI data as that could lead to some more correction.
Amazing Video! VFV good for US exposure & VDY for CAD dividend.
I see BMO has a global covered call etf. What other options are out there for global covered call ETFs and providers?
BDIV
Is there an advantage between using these hight dividend stocks mentioned here and other ETF from Hamilton, Brompton or Horizons with more than 10% yield?
The GOAT of investing
high praise! thanks Evan
Well covered.
This was refreshing - thanks for doing this.
very informative adrian. started my PII portfolio patterned after yours. thank u to both of you.
Great Video. Thanks for sharing these ETF options, it helps provide a starting point for doing own research.
Absolutely!
Can u do a video on more info on your lira account
Another Awesome, and informative video 👍as canadian are we allowed to open up an account in moomoo or not ?! I know that Webull n Robinhood are not open to Canadian. Subscribed well deserved 👏😊😊😊😊😊
By top you meant diversification? Monthly yield for all is very low, so for PII top would be by yield and quality of holdings.
hmmm, i mean some popular funds which cover popular indexes
Thanks Adrian. What about Hamilton ETF’s ?
this video was more focused on the the more "common" index growth strats :)
@@PassiveIncomeInvesting Ok. Thanks for clarifying
thanks for sharing. great video.keep it up
How much of a difference does it make on the yield if we have to convert from us to Canadian?
Most, if not all of the ETFs Adrian used are Canadian based, so on a daily basis their price changes include the variations in foreign exchange. It doesn't affect the yield though, the amount they pay out is fairly steady, and like all equities the yield is based on the share price on a given day.
What is the difference between income investor and dividend investor?
th-cam.com/video/A8sp1YV_isw/w-d-xo.html
How much (maximum /minimum) should we expect as a total return if we build a portfolio using a combination of these TOP Growth and Dividend ETFs?
You can explore the various returns of these ETFs using portfolio visualizer- you can create all kinds of combinations of these ETFs, covered call ETFs and even split funds. These ETFs have been around for much longer so you'll get a better historical perspective for them, but you can build three simultaneous portfolios of up to 10 holdings each in a combination you like. It's a great tool to help you understand total growth, income, and also income indexed to inflation, depending on the options you choose when you run it.
@@James_48 I gave a try with 4 tickers. It seems hard to beat 12% CAGR with a drawdown of -14.30%. Wanted to hear opinion from the experts on this.
you can never predict anything , the past does not predict the future . that is the honest answer
Do you prefer buying the Canadian listed or US listed ETFs that track the same US listed index?
well if you don't have US dollars its much more convenient since you save on exchange fees, you also do not need to look at withholding taxes although they are paid by the manager in the CAD listed ones
You helped me Thanks 😊
what about SCHD??? Best US dividend ETF!
its fantastic but keep in mind this video was only covering Canadian listed products , SCHD would be a U.S. equivalent of something like VDY on the Canadian market. VYM is the Vanguard equivalent
good stuff mate
Thanks for this video
Awesome
Thanks Adrian for video. Looking to open RESP for my baby. Can we have video on that. where to invest ?
What about HXT and HXS?
HSX is another sp500, but yes you are correct that the nasdaq can also be a good overall U.S. option but its more tech heavy than the sp500 bmo has one and then there is also HXT which is a pure growth option. i am working on a collab with Horizons to cover the HXT
@@PassiveIncomeInvesting HXS tracks the S&P 500. HXQ tracks the Nasdaq.
Never disappoints
a good list to start from...I like owning individual companies but the ETF is a nice easy option...for a small management fee.
Thanks for sharing!
Hey Adriano, question: When you decided to retire and got all your money on hand, did you DCA or lump sum invested all of it at once?
I've read mixed opinions what's the better strategy for investing when you have chunk of money and decide to invest. Maybe worth a video 🤔
one shot , like Eminem said, see my very first portfolio unveil video to see what i did. i was still a noob back then...
If you invest with BMO many of these etfs are free to trade too
91st like thanks Adrian
2-3-4 % WHAT WE GONNA BUY WITH IT gum?
lol
YESS! All of these high yield etfs actually lose value over time unless you have big time amounts invested. I currently have almost 200k invested w/ zwe zwb zwu gdv hyld hdiv dfn ffn rs The div is over $1,300 a month but the loss on the principle has made it a net loss over 2 years now
😮
40th liker.
Hey Adrian just gave you a follow in blossom
thanks man
What are your thoughts on XDG
boooooring lol
@@PassiveIncomeInvesting I agree it is not a very exciting/'sexy' ETF but it seems like it provides stable growth with a monthly dividend and great diversification, which I find interesting as I am a relatively conservative investor. Do you see any glaring issues with it making up a majority of a portfolio? Any better alternatives that ideally would provide a monthly dividend?
I'm surprised you never mention EIT.UN Canoe
i mention it every month when i unveil my portfolio. its a classic