those are all dividend stocks not growth, you should have rotated into dividend stocks after you hit the 1 mill.. I'd suggest you consider financial advisory at this point

Agreed, the issue is most people have the “I will do it myself mentality” but not skilled enough. Ideally, advisors are perfect reps for investing jobs and at first-hand encounter, my portfolio has yielded over 330%, since covid-outbreak to date, summing up nearly $1m.

@@speak2selwyn this is huge! would you mind revealing info of your advisor here please? in dire need of portfolio rebalancing

Karen Lynne Chess is my FA. Just google the name and you’d find necessary deets. To be honest, I almost didn't buy the idea of letting someone handle growing my finance, but so glad I did.

excellent share, curiously inputted Karen Lynne Chess on the internet, spotted her consulting page ranked top and was able to schedule a call session. Ive seen commentaries about advisors but not one looks this phenomenal

@anoutinabil - Unless the official financial statements of the fund now show the individual stock holdings, VEE still just holds VWO (the company websites can be a bit misleading).

@willbobig - If you already hold U.S.-listed ETFs in your RRSP, you could consider holding something like IEFA/IEMG to avoid Canadian equity in VEA...if this is what you're shooting for. This would lower your MER and could be worth it...as long as you avoid high FX costs by using Norbert's gambit to convert currencies.

@@JustinBenderCPM Thank you sir. Greatly appreciate you.

@odourboy - I agree this is a shortcoming. Charitable giving potential with equities in non-registered accounts is also reduced.

@madidi_26 Victoria Carmen Santaella,

@madidi_26 Victoria Carmen Santaella

Lookup with her name on the webpage

Nvm, I chatgptd it: :D XEQT and Ben Felix's Five Factor Model Portfolio are both popular investment options, but they have different approaches and considerations. XEQT (or similar all-equity ETFs): XEQT is an all-equity ETF offered by iShares, providing exposure to global equity markets. It's a simple and convenient option for investors seeking broad diversification across global stocks. XEQT holds a mix of Canadian, US, and international equities, providing exposure to various sectors and regions. As an all-equity ETF, it carries higher volatility and risk compared to balanced portfolios that include bonds or other fixed-income assets. It's suitable for investors with a long-term investment horizon and higher risk tolerance who seek growth potential over time. Ben Felix's Five Factor Model Portfolio: Ben Felix's portfolio is based on academic research and incorporates factors such as market, size, value, profitability, and investment. It's designed to capture specific risk factors that have historically shown to provide higher returns over the long term. This portfolio typically includes a mix of Canadian, US, and international stocks, but with a tilt towards certain factors such as value and small-cap stocks. By incorporating multiple factors, it aims to enhance returns while managing risk. It requires more active management and periodic rebalancing compared to a simple all-equity ETF like XEQT.

@VancouverPOV - If you're confused, this would indicate you should stick with the simplest solution, which would be an asset allocation ETF :)

@snb8003 - The capital gains shown on your T3 are from capital gains distributions (these are occasionally paid by the ETF to unitholders at year-end) - you should simply report these as is. These T3 capital gains are separate from any capital gains you report from ETF sales on Schedule 3 of your tax return.

@joytheboy7730 - If you had calculated a total return over a 2-year time period, and wanted to annualize this total return (i.e., calculate an "average" annual return), then you would need to add 1 to the total return, take that to the power of (1/2), and subtract 1 to calculate the annualized return. This calculation is over a 1-year time period, so you don't need to annualize the return.