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Congrats for taking savings seriously so Young.

Quick comments:
1) What happened to 25-25-25-25? Seems like you purchased much more CAD equities in the last couple of years. Considering your objective, I am surprised your US equity is at 20.6%.

2) Even if you purchase a Canadian-based ETF such as VXC, the value of underlyings is affected by $CAD, so it does not matter if you have to convert CAD to USD yourself... it's the same.

Example:
VXC.to $1.30 CAD
VXC equivalent in $US: $1 US

Buying VXC at $1.30 or buying an equivalent ETF in the US at $1 (using $1.30 CAD converted) is the same.
 

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You should maximize TFSA-RRSP.

Since you don't have much RRSP room, it means TFSA...

Yo will get US or International withholding tax credited to your tax return in margin account, but you will pay tax on dividends anyway (since your tax rate in Canada will be higher than withtholding tax), and pay tax on capital gains when you sell.

The best option for US ETF-stocks is RRSP, you got that right... second best is TFSA.

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The best option for margin account are Canadian stocks if you are maxed out TFSA.
 
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