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Portfolio Checkup

Young investor needs to stop reacting to market swings Add to ...

This week's patient wonders if her portfolio meets her goals of having kids in the next two years, as well as buying a home and saving for retirement. The Globe's personal finance columnist Rob Carrick and investment adviser at Scotia McLeod Andrew Pyle take a look

The Guesswork portfolio

The Question: Will my portfolio meet my goals of having kids in the next two years, as well as buying a home and saving for retirement?
Assessment: Great job of saving for a young adult, but the portfolio needs some exposure to bonds and less buying and selling in reaction to market ups and downs.

Age: 31
Occupation: consultant
Annual Income: $72,000
Level of investment knowledge: modest
Size of portfolio: $140,000
Pension: Yes

Portfolio Notes

-Do-it-yourself investor

Asset Mix (RRSP, TFSA, unregistered savings):

Bonds                                    7%
Broad-based equity funds     47%
Sector funds or stocks         14%
Cash                                   32%

Largest Holdings:

  • TD Canadian Equity  Fund
  • Savings accounts used to hold cash
  • Vanguard Total Stock Market ETF
  • iShares S&P/TSX Energy Index ETF
  • Royal Bank of Canada common shares
  • PowerShares FTSE RAFE US 1000 Portfolio­­
  • Vanguard Emerging Markets ETF

 

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