11 Dec 2012 9 Comments
Portfolio Update – November 2012
The market took a bit of a hit after the elections but the lower prices didn’t stay low very long. No moves this month again but debating whether or not to dump XIN, XSP and CRS. I would use the money towards more ETFs. Also looked into VXUS vs. VEU, and might start adding VXUS to the portfolio. I would keep my current VEU for now.
So this is what my investment portfolio currently looks like:
TFSA – Stocks (CRS, SLF), ETFs (VTI, XSB, XBB)
RRSP – ETFs (XBB, XSP, XIN, VEU, VTI)
Non-registered investment account – ETFs (XIC, SLF)
My target allocation is:
Canadian equities: 30%
US equities: 25%
International equities: 25%
Canadian bonds: 20%
My current allocation is:
Canadian equities: 31%
US equities: 24%
International equities: 22%
Canadian bonds: 22%
Cash: 1%
Notes:
- My investment income is automatically set to reinvest in more shares, except for the Vanguard ones because RBC does not offer DRIP for them (1 more share of XBB for me this month). If the money is not sufficient to buy additional shares, then it will increase my cash balance.
How did your November end up? Did you make any moves in your own portfolio?
Thanks for reading!
Dec 11, 2012 @ 22:04:12
How do you do sitting by on the sidelines not being able to deploy any new money every month? I think that would drive me crazy!
My November was not too exciting, just the regular 401(k) contribution. December should be fun since *everything* posts dividends in December
Happy Tuesday, Vicky!
Dec 12, 2012 @ 11:02:29
It is driving me crazy!
I have savings that I can use, but it is either going to be deployed in the market, used for a down payment, or just to finance my daily expenses. I’m starting to look at what’s out there to see if there is anything I may like.
Dec 12, 2012 @ 09:44:21
You can buy more VXUS to increase your international exposure :0) One thing I like to look at is my Canadian equity portfolio and see if there’s any companies in there that are doing business globally. For example Scotiabank is in 55 other countries and brings in more money from international branches than within Canada, so in terms of allocation does that make it a Canadian or International equity? My stocks in November fell a bit, didn’t buy anything new recently. Will start again come 2013
Dec 12, 2012 @ 11:04:05
I would definitely purchase more VXUS for my international equity!! The selling decision is always tough, as I want to just buy and hold, but if there are better alternatives, it seems like a waste to not switch over! I’ll have to watch the commission fees though, as it will cost money to sell each of them, then cost money to do Norbert’s gambit, and cost some more to purchase VXUS.
That’s a great point! What do you consider it then?
Dec 12, 2012 @ 11:09:08
CDN equity. Just because it’s easier to calculate. I guess another way is to split it half and half if one is so inclined :0)
Dec 12, 2012 @ 15:36:46
Ya I would count it as CDN. Half and half? Are half their earnings CDN and the other half international?
Definitely something I haven’t thought about though!
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