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Portfolio Checkup

Video: 38-year-old should ditch the individual stocks and focus on ETFs Add to ...

A 38-year-old software designer wonders if his savings will generate enough income to carry him into retirement in 25 years. Rob Carrick, the Globe's personal finance columnist, and Lori Livingstone, portfolio manager at Scotia MacLeod, take a look.

The Fund My Retirement Portfolio

The Question: My goal is to build savings to cover an expected 25 years in retirement - am I on the right track?

Age: 38
Occupation: Software designer
Annual Income: $120,000
Level of investment knowledge: Average
Size of portfolio: $180,000
Pension: No

Portfolio Notes

-Do-it-yourself investor

-Asset Mix (personal and spousal registered plans plus a savings account):

Cash                                        5%
Bonds                                      20%
Stocks                                     75% (equal weights in Canada, U.S., Europe, Pacific and emerging markets)

Top Holdings

  • MFSMB Cdn Equity Growth Fund
  • Trimark Fund
  • MFS MB Fixed Income Fund
  • iShares S&P/TSX 60 Index Fund (XIU-TSX)
  • Utilities Select Sector SPDR Fund (XLU-NYSE)
  • TD U.S. Market Index Fund
  • ETFs for Europe, the Pacific region and emerging markets
  • Long-term bonds

Follow us on Twitter: @GlobeInvestor



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