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What’s better to have when the markets are crashing, ETFs or Stocks? In this video, we’ll look at the most important features of each of these.
Great video, very informative. Thank you!
Thank you, Christine. – Marc
I love that the Canadian content you guys provide is so helpful!!! Especially for newbies like me
Great video! When I started to build my portfolio, the foundation was ETFs. Mainly broad based ETFs and some dividend ETFs. I then added individual dividend stocks to the portfolio. I did this to get diversification. I feared being concentrated in a handful of companies or sectors and missing out on general market returns. Eventually my stock positions increased and now ETFs are smaller percentage of the portfolio.
Whether real stocks or ETFs, you’ve to be really strategic to get the best out of both. ETFs good for long term. Rn I feel the bubble hasn’t completely popped just yet and bear markets tend to have strong relief rallies. Be smart with your decisions.
@Prof Derek My funds are pretty much diversified. You should probably try copytrading; copy the gurus, more so one with experience of the past bear markets. Currently copying a CFA Josephine Guevara Laporte. Been quite consistent. My portfolio returned approximately 24% in the last quarter.
Hi I’m already in retirement and have like $600k in a CD account with a very low interest. I only need $15k for liquidity purposes(emergency fund) and plan on growing the bulk. I found Josephine Laporte’s official website after looking up her name. Quite impressed at her portfolio. I want to schedule a phone call with her. How do you copy?
@Matt Gallagher Since it’s an algorithmic based model, it’s very much transparent because you can actually see what assets you have and how much growth your portfolio has achieved.
@Ramsey B I find it better to pay a little bit more for peace of mind than worry about market trends and still get burned. Thank you
@Prof Derek I see others in the comment have offered what they have in their portfolio for perspective. Very helpful to know. Over the past month I have been researching split corps(cover call) and cover call ETF’s because of the increase shift to passive income investing. I always had passive investing practices. I am putting more emphasis moving forward. From observation about the economy starting months ago, I was anticipating markets pulling back so I was building cash, allowing the dividends to build in cash and managing investments. It is like 🎉Christmas🎁 on the markets with all the amazing bargains! 👍, I have had split corps DFN and PDV for over 10 yrs with DFN with over 200 dividends paid, suspended only 4 and it was during the early part of the pandemic. Amazing dividend payments. Plus DFN and PDV have tax efficient dividends so it fits into a non registered account😀. I have what you mentioned is a HYBRID portfolio. I have individual stocks that do not appear to be in the split corps and COVER CALL etf’s that I now own.
Diversification is KING, or “Queen!”😉. IT feels really good having the hybrid approach, individual stocks and split corps and cover call eTF’s. Last week stock charts indicators implied that buying was an opportunity. I bought 2000 shs of split corp ENS, RS and 1000 shs of GDV(Global stuff for diversification and awesome yield and high UNIT Nav so low risk because the divvy is consistently provided👍) and HDIV. All of these are tax efficient investment vehicles. I repurchased SPD, 1000 shs. I was looking at PRM, big phrama but having purchased HDIV it has a lot of HHL, which has more pharma’s than PRM.
But what I like about PRM is that it has a very high UNIT Nav in over the 20$ area which keeps it well above the UNIT nav of 15 dollars, where possible suspension of divvys might happen with split corps (that have class A shares and preferred shares.) Its been a lot of fun exploring COVER CALL investment vehicles at this point. Dividends on steroids. One important point is that not all split corps or cover call etfs are created equal. Some are considered low, or medium or high risk. So do your due diligence when looking at each of the companies actual website to see what the holdings are and what the UNIT NAV is and what the individual Nav is for each i.e. class A shares or preferred shares. Knowing where you stand is important. And don’t forget about checking out how the divvys are taxed. I am learning that there is generally very little foreign income, which is 100 % taxable and added to your income total, and mostly the good ROC, which is not taxed, capital gain which 50% is taxable and some are eligible which has about 33% taxable.
So there you have my two cents worth to add to the discussion. The most important consideration in investing is peace of mind. That is priority. Can you sleep well at night. No matter what anyone else is doing or who you are learning from or observing from their portfolios, follow your gut! Inevitably one will make “mistakes” in judgement when buying and selling. It is all part of the process. What is nice though is if you buy something and then feel uncomfortable about having purchased it, you can find a time to sell it and reset your mindset.
Its Christmas on the stock market nowadays! Have fun! Cheers from East Canada.🇨🇦😊📈$📉
Thanks for the great video and information. I’d be interested in your thoughts (perhaps a video) on holdings in a TFSA vs. cash account as interest rates continue to rise. Currently our TFSA’s are nearly 100 % dividend paying companies like ENB, TRP, BNS, TD, TRP, POW, MFC, EMA, etc. etc. Given that dividends are taxed more favorably in a cash account vs. interest generators like GIC’s which are now paying 4% on a 1 year term, would it make sense to swap out the equivalent dollar amount from the TFSA prior to the end of the year and swap in cash (laddered GIC’s) into the TFSA accounts in the new year?
Bns lol WEF ran world economic fourem there other companies pay 10%_20% dividends do your due diligence not 4.92% like bns
@chad ferreira I’m looking for safety and tax efficiency to augment a very decent retirement income.
Always some great content for the new investors. I love ETFs but 95% of my portfolio is individual stocks as I love fundamental analysis a little more.
thanks Marc! what a great video. good knowledge! you make it so simple 🙂
As always…. thanks! – Marc
is the distribution yield AFTER MER fee? versus dividend yield is before MER fee?
Hey Aaron. They are really two separate things. The dividends flow into the fund, which then forms part of the overall return. Those returns are combined with gains, income, etc., to total the return. Then, fees are deducted from that amount. I don’t really draw a direct link between dividends and fees, but ya, they are indirectly linked. – Marc
If i can get sufficient or decent dividends and growth with ETF, im ok with it given the relative stability that comes with it. Specially this time of crazy market. Im here for the long haul anyway.
Long haul is pretty much always the way to go, IMO. – Marc
Hi Marc! Great information as always. Cannot thank you enough, seriously. I personally prefer the stock picking road, but I would not recommend it for someone who’s not willing to research companies in-depth. This brings me to the next point, will you continue the in-depth series that you did with ENB, BCE and TD? I really enjoyed those videos! Cheers.
You nailed it, Oscar. As to the in-depth series… yes, still more planned. I wish I had more hours in a day, and days in a week, but I’ll do what I can! Really appreciate you following up on that. Cheers. – Marc
Thank you so much Marc!! Great video!!
Thanks! Hope all is well. – Marc
Thx Marc !!
My pleasure, as always. – Marc
Thank you for this; very helpful for us beginners.
You’re very welcome, and thanks for watching. – Marc
Great video Marc! Can you talk about this statistic that goes around saying people who consistently DCA into well performing mutual funds generally end up with way more money than individual stocks & ETF investors. This they say far outweigh the MER of the MF because the net return on good funds is way larger.
Si, estoy de acuerdo contigo Marc, depende de cada persona, su conocimiento y la situación; tambien hay muchas personas que se estresan o estan ansiosos por como se mueve el mercado, hay personas a las que realmente les aterra ver que bajan un 0.01% un día, creo que en esos casos, mientras se acostumbran un ETF puede ayudarlos a dormir mejor.
“Yes, I agree with you Marc, it depends on each person, their knowledge and the situation; There are also many people who are stressed or anxious about how the market moves, there are people who are really terrified to see that they down 0.01% one day, I think that in those cases, while they get used to an ETF can help them sleep better.”
The us dollar and bond proxies