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Portfolio Checkup

Time to weed out portfolio's underachievers Add to ...

This patient wonders if he should be comfortable that his investments are taking care of themselves. Rob Carrick, the Globe's personal finance columnist, and Rona Birenbaum, Queensbury Strategies investment adviser, offer their diagnoses

The Time to Get Organized portfolio

The Question: Should I feel comfortable that my investments are taking care of themselves?
Assessment: Consolidate the account at one investment firm and weed out underperforming investments.

Age: 37
Occupation: civil servant
Annual Income: $65,000
Level of investment knowledge: modest
Size of portfolio: $162,000
Pension: Yes

Portfolio Notes

-Has a small account at brokerage firm, and three DIY accounts that mix (one third in RRPS and TFSAs, two-thirds non-registered)

Overall Asset Mix:
Cash                                     12%
Bonds                                    42%                                       
Stocks                                   46%                                       

Largest Holdings:

  • Royal Bank of Canada common shares
  • RBC Balanced Fund
  • TD e-series index funds
  • GICs, CSBs, bonds and bond funds

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