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Discussion Starter · #1 ·
As somebody in their mid 20s, I have never felt a need to secure any portion of my portfolio in guaranteed/fixed income vehicles. I have always (and still am) weighted 100% in stocks. I feel holding bank stocks and collecting the dividend a better strategy than giving them my money at a discounted rate. I was just curious as to what strategies others have implemented to deal with this portion of their portfolio.

So a few questions:

1. Do you use laddered GICs, if so how do you create the ladder? Term deposits? High interest savings?

2. What percentage does everyone have in these investments? How has this impacted your portfolio and what is the performance record like?

3. And on another note should this be something to consider only when I am closer (eg. within 20 years) of retirement?
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