Author Topic: diversification between wife's ETFS and mine or just clone the portfolio?  (Read 1732 times)

strider3700

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My porfolio is basically, TSX, S&P 500, an international equities ETF, some cdn bonds,  and cdn financials.   

I liked it because it was pretty well diversified and the cdn financials I treat as close to bonds in their dividend payments.

We're now starting on my wifes investments.  I had been thinking about just cloning my investments straight across  but maybe the standard tsx/S&P/bonds then some  REITS or other things that I don't really have in my portfolio.

Any thoughts?   


icefr

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It depends on whether you see your portfolios as separate ones or as one whole portfolio.

If you see them as one whole portfolio, you can use the extra tax-advantaged room to keep up with where things should go better. Canadian Couch Potato has some good info on this: http://canadiancouchpotato.com/2010/03/05/put-your-assets-in-their-place/

If you see them as separate portfolios and your wife doesn't want to see "her" investments go up and down worse than yours, then cloning is a better idea.

Why do you want to add REITs to your portfolio? Does your Investment Policy Statement call for that?

brewer12345

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It depends on whether you see your portfolios as separate ones or as one whole portfolio.

If you see them as one whole portfolio, you can use the extra tax-advantaged room to keep up with where things should go better. Canadian Couch Potato has some good info on this: http://canadiancouchpotato.com/2010/03/05/put-your-assets-in-their-place/

If you see them as separate portfolios and your wife doesn't want to see "her" investments go up and down worse than yours, then cloning is a better idea.

Why do you want to add REITs to your portfolio? Does your Investment Policy Statement call for that?

+1.

Also, do not consider the cdn financial equities to be equivalent to a bond.  They are not.