I live off dividends on ETFs, for sure it can improve your wealth if you reinvest them to buy more shares, creating a snowball effect that allows your investments to compound over time. It's one of the most passive and effective ways to build an income stream. well managed steady growth for me.
ethel have you considered the possibility of cashing out some of those dividends for paying off your monthly expenses, instead of re-investing them? Bcos I need a lot as rent, inflation alone eat up almost all of what I make.
To be honest I keep compounding, adhering to well established patterns from a professional, even as a rookie, can bring tremendous value! I’ve trimmed, added also and now my average growth has increased in the past year while participating behind a top performer. effectively remits over hundred k annually and increasing.
Well ethelbert you're sooo crushing it, I'm really looking forward to growth over time now. I will be reinvesting dividends like you, so my position size will grow. Okay if I ask how you maintained such growth from dividends, also your top performer.
I opted for CASH instead of the bond funds for my temporary hold of cash waiting to deploy. Works nicely with a drip as well. VFV has been very good to me, along with the US equivalent VOO. I know there’s lots of overlap with VFV, but I also do VTI/VUN.
I believe every Investor should start with ETFs for a solid foundation, then diversify across asset classes and maintain disciplined, regular investing to minimize risks and maximize growth.
TFSA no tax RRSP taxed when you pullout non-Reg pay taxes annually on returns added to you income. TFSA should be your first investment account, then RRSP depending on your retirement plans… non-regs great for day trading or higher risk investments… thats my understanding
im with you on this one. Been in Canada for 2 years and going to open a TFSA account with wealthsimple and go all in on VFV. Max it out with 2022,2023,2024 & 2025 contribution room around $26.5k. One big lump buy or spread it out over 26 weeks?
@@Matthew-t2c2f Most people would say it is better to do dollar cost averaging (so spread it out over a long term) but I would be tempted to just yolo while the market is down and do a lump sum ASAP.
Growth and Dividend stocks on TFSA, put long term investments in RRSP w/drip on. diversification is key. after 10 - 15 years ull see that your growth or dividend account is big enought that ull prolly receive good monthly income just out of dividends. offc. age is a factor.
Hey Brandon, good choices but I'm wondering why I would choose ZAG/CASH if I could choose ZMMK? ZMMK has a 5% yield and the ETF is basically flat/fluctuates in a predictable manner all the time. Wouldn't this be better than ZAG alot?
Cash and money market funds will always have a lower expected return than bonds. Someone with an stock/bond portfolio will have a higher expected return than a stock/cash portfolio. ZAG also has a higher probability of beating inflation long term.
@@rh3108 there's "expected" vs "actual" returns and my actual returns on bond ETFs have been down for me personally - even when factoring in the dividends
Great video! And great app! I actually joined Blossom last month and have enjoyed learning from the community! I've spent hours just lurking on others' perspectives on investing! I'm invested in 3 out of the 5 ETFs you mentioned - VFV, XEQT, and CASH. Also, instead of ZCN, I'm in VCN. And no bonds for me... Yet.... 😅
Do we know the funds or stocks that will migrate to the Texas stock exchange next year? Any comment or concern about canadiam banks recently, especially laurentian?
Dude, I just want to say I truly appreciate your time explaining things thoroughly and in depth. I'm a beginner investor and found you on Blossom and now on UA-cam. Again, thank you for your knowledge and time. :-) so far I've invested in VFV and XEQT.
Im surprised their was no mention of hxq or another all tech etf that tracks the nasdaq 100 because tech is the future and its beat the S&P 500 the last 10 years😮
tech is overvalued and i believe will underperform value stocks for a few years. A few other guys have done some good analysis on this - XEQT vs NASDAQ. Btw Im a software engineer at big tech company.
I'm confused by this advice too.....I would just buy short term GICs which are currently up to 5 percent and just park $$ there and ladder them if rates continue. Thoughts?
Id be interested in a video on ETFs focusing on different geographic regions. Im bullish on asia specifically japan/china and south america and india. What are the best options for those regions
You should have shown us QQQ and a covered call ETF, instead of the bond ETF. No one even buys bond / fixed income ETFs anymore unless you're like 90 years old.
Should a person be concerned about the fund company? For example, XEQT is an iShares fund, consisting of other iShares funds... should something happen to Blackrock, would this be a problem... or am I over thinking it?
I think its not worthwhile investing in a Canadian ETF. Pick an individual bank, energy company and railway, then focus on all US, stocks or ETFs. My ETF choices MGC, IXN and Moat.
Hey Brandon, or anyone who would be coming to answer. Sorry for a basic question, because these ETFs hold American stocks, are they applicable to the 15% withholding tax? Thank you in advance Really enjoy this channel. Great video!
well places like Wealthsimple will charge 1.5% to change your cad to usd to purchase VOO, if i were you id get vfv or zsp in cad, let it go up and wait for a possible US crash and then convert to usd at a better rate. I'm no advisor but 1cad to 0.73 usd is bad right now. I am of course not accounting for how US stocks would perform with a strong cad, but thats beyond my skill.
I have a portfolio with VFV (30%), ZNQ (25%), XEI (10%), XEQT (10%), HTA (15%) and ZWB (10%). I'm 58% exposed on technology in order to growth. What do you think guys about it? :)
Why would you tell new investors, assuming they have lot of time in the market, to invest in bonds when you can find better return with more blue chips stocks ?
Wonderful picks Brandon. I hope life is treating you well. Many younger investors have never seen the value of including Bonds in a portfolio as the interest rates have never been falling like we anticipate now. All the way back to 2007 (6.25%) dropping rates to 2009 (2.25%). In 2008, market correction was 30+ percent down in all stock categories while bonds returned +6%. Bonds then continued to outperform US Large Caps from 2009-2012. Looking at Bond returns in last 8-10 years not the proper comparison IMO. I think they definitely have a place in balanced portfolios now.
VFV friends that low fee is courtesy of the master John Bogle. There should be a freakin statue of him on Wall Street. Brandon i'm surprised no mention of Harvest. I'm going all in on HTA. Cheers
How does ZAG that is down 14% over the past 5 years and down 9% over its life time preserve wealth?!?🤔 you would be better off putting your money under your mattress.
@@filb WRONG!! Bonds have typically been to preserve wealth needed for the nearer term like retirement, when you have a long time before you need the money then you invest more in equities. im also looking over the life of the fund how much longterm can i get! If i was retired like they were talking about this would be a major blow to my portfolio. In Retirement youre looking at short term needs, if you want to look at long term, every asset class on the planet has performed better over the long run. They would have been better using CMR or CASH as an example.
@@ron.mexico. LMAO! Wow! Its up .6%.😂 it is still down 13.6% over the last 5 years. If i was a retiree a i put a good chunk of my savings in this 5 years ago my money would have lost 30-40% of its value to inflation and another 13% to the fund so in essence i would have lost 50% of the value of my money. .6% 😂🤣😂🤣
ZAG has a weighted avg duration of over 7 years. The fact that you're focusing on 5 years means you don't understand the purpose of the ETF. Second, it''s nowhere near close to being down 13% over 5 years. As per usual, novice investors focus on the ticker price while ignoring the distributions. ZAG has a positive return over 7 years and is roughly flat over the last 5 years. The purpose of aggregate bond ETF's is to reduce the volatility of your portfolio while providing monthly income. ZAG has a much lower standard deviation compared to ZCN while having a positive nominal return.
@@pmc89 Having all investments in only 1 currency is risky. I would highly recommend holding some investments in USD. Example....rather than investing in VFV hold VOO
Hi, Im Canadian, New to the investor world. I have purchase schd and a bit of vdy in my tfsa account, i have noticed when you purchase a american stock there is a 15% withholding tax plus the mer of schd is 0.06%. Should i continue investing into both these stocks or one of them?
@apple85126 Yes, you do. But your tax is a flat rate...not an extra 15% withholding tax. RRSP is the only vehicle where you can have US holdings & not pay the 15% withholding tax. So it's best to keep US holdings in RRSP and Canadian holdings in your TFSA.
@RidlysEmptyNetter what about canadian efts that have some allocations in the US market? Are those efts ok to have in a tfsa or will it be subject to the 15% withholding tax due to the US allocations?
it's dividend yield not dividend growth, actually the growth of that company has been on the decline since 2012, meaning you're getting less and less from the dividend even if they increase dividend yield to attract more people to buy their stock. I'm not big into dividend investing but if I were to buy a dividend stock I'd want it to have a good track record of company growth and not a lifetime of decline (its down 49.22% of its value since its inception in 2008), also reasonable dividend yield (14% sounds like a company desperate for cash).
XEQT in da house 👑 Let's go 😃👊
I would like to see a video comparing nasdaq and sp500. The pros and cons of each
As a reminder, you will need to hold VOO in your RRSP to avoid the 15% withholding tax.
but are those savings on the dividends still worth it considering the currency exchange to USD for an RRSP in CAD ?
No one is explaining that part also vfv
@@martin.quirion.auteurnope. Best to take the hit on the 15% tax on dividends.
@toysapara by mistake I bought it in fhsa, can I move it directly from my fhsa accnt to RRSP? Both accounts are in questrade
I have these etfs. it never disappoint. Thanks alot for the show
I live off dividends on ETFs, for sure it can improve your wealth if you reinvest them to buy more shares, creating a snowball effect that allows your investments to compound over time. It's one of the most passive and effective ways to build an income stream. well managed steady growth for me.
ethel have you considered the possibility of cashing out some of those dividends for paying off your monthly expenses, instead of re-investing them? Bcos I need a lot as rent, inflation alone eat up almost all of what I make.
To be honest I keep compounding, adhering to well established patterns from a professional, even as a rookie, can bring tremendous value! I’ve trimmed, added also and now my average growth has increased in the past year while participating behind a top performer. effectively remits over hundred k annually and increasing.
Msmelissa a lot of people let their dividends ride for the long-term given its solid returns effects overtime
Well ethelbert you're sooo crushing it, I'm really looking forward to growth over time now. I will be reinvesting dividends like you, so my position size will grow. Okay if I ask how you maintained such growth from dividends, also your top performer.
I opted for CASH instead of the bond funds for my temporary hold of cash waiting to deploy. Works nicely with a drip as well. VFV has been very good to me, along with the US equivalent VOO. I know there’s lots of overlap with VFV, but I also do VTI/VUN.
@@CyclingDad i use CMR same sorta fund as CASH. Better than ZAG for sort or long term.
Same. Hold in CASH until I see a dip for a dividend etf.... currently at 4.95% return
Yeah good call, bond funds are still volatile
I believe every Investor should start with ETFs for a solid foundation, then diversify across asset classes and maintain disciplined, regular investing to minimize risks and maximize growth.
John Bogle said that total market funds are superior to sp500 index funds. VUN is the Canadian equivalent of a Total Market Fund.
Hi. I would like to see for each ETF mentioned, where it is better to hold them and why: Non-Reg, TFSA or RSSP?. Thanks.
TFSA no tax
RRSP taxed when you pullout
non-Reg pay taxes annually on returns added to you income.
TFSA should be your first investment account, then RRSP depending on your retirement plans… non-regs great for day trading or higher risk investments… thats my understanding
I'm all in on VFV. Over the next few years I'm hoping to max out my TFSA in that one fund then hold until retirement!
im with you on this one. Been in Canada for 2 years and going to open a TFSA account with wealthsimple and go all in on VFV. Max it out with 2022,2023,2024 & 2025 contribution room around $26.5k. One big lump buy or spread it out over 26 weeks?
@@Matthew-t2c2f Most people would say it is better to do dollar cost averaging (so spread it out over a long term) but I would be tempted to just yolo while the market is down and do a lump sum ASAP.
@@Matthew-t2c2f DCA is always a good idea.
@@Matthew-t2c2f lump sum does better, google why
Growth and Dividend stocks on TFSA, put long term investments in RRSP w/drip on. diversification is key. after 10 - 15 years ull see that your growth or dividend account is big enought that ull prolly receive good monthly income just out of dividends. offc. age is a factor.
Maybe I missed it in the video, but what would be the percentage each fund in a portfolio (for beginners)
What about QQC?
QQCL
Hey Brandon, good choices but I'm wondering why I would choose ZAG/CASH if I could choose ZMMK? ZMMK has a 5% yield and the ETF is basically flat/fluctuates in a predictable manner all the time. Wouldn't this be better than ZAG alot?
Agreed I'm invested in ZMMK also and IMO is safer than ZAG or bond ETFs in general
@@StandUpForCanada1867 Ya my exact thinking too, but be cool to see what Brandon thinks :P
Cash and money market funds will always have a lower expected return than bonds. Someone with an stock/bond portfolio will have a higher expected return than a stock/cash portfolio. ZAG also has a higher probability of beating inflation long term.
@@rh3108 there's "expected" vs "actual" returns and my actual returns on bond ETFs have been down for me personally - even when factoring in the dividends
@@rh3108but riskier, is it not?
There’s also HSAV that does the same thing as CASH but without the monthly dividends distribution.
Can you please suggest which platform i can use to buy aNd hold for long term withoit extra expense
I would suggest convenience. For example, I use RBC since I do most of my banking through them and it is easier to learn and monitor.
Thank you for your channel! If you don't mind me asking, how do we receive dividends? Does it get deposited into the account we buy the stocks from?
I would take VOO over VFV.
Can you explain why?
@@stevendchu VOO elects to actually purchase all 500 of the index’s stocks, . VFV simply holds VOO as a “wrapper.”
However there is a 16% withholding tax on VOO unless you invest in an RRSP
to buy ETFs, do we need to wait until it nears to its 52 week low or we should buy it at any price?
I’m curious as to why you didn’t mention VSP
Great to see you back recording 😊 !
is it ok to own zcn and zeqt?
I have some cash in CASH...seems like an okay place to park it. and was looking for a fixed income bond type option...
Great video! And great app! I actually joined Blossom last month and have enjoyed learning from the community! I've spent hours just lurking on others' perspectives on investing! I'm invested in 3 out of the 5 ETFs you mentioned - VFV, XEQT, and CASH. Also, instead of ZCN, I'm in VCN. And no bonds for me... Yet.... 😅
Happy to see you back after a while. Just curious why ETF - TD Global Technology Leaders Index (TEC) doesnt make it in the list. Please clarify
Are hxq and tec suitable for my tfsa
If I’m holding VDY; would it be redundant to also be holding individual shares of BCE, CAS, ENB & T?
yes but could possibly make some nice swing trades with single stocks
Do we know the funds or stocks that will migrate to the Texas stock exchange next year? Any comment or concern about canadiam banks recently, especially laurentian?
Dude, I just want to say I truly appreciate your time explaining things thoroughly and in depth. I'm a beginner investor and found you on Blossom and now on UA-cam. Again, thank you for your knowledge and time. :-) so far I've invested in VFV and XEQT.
The simpler the better ! ;)
Amazing; thank you!
Im surprised their was no mention of hxq or another all tech etf that tracks the nasdaq 100 because tech is the future and its beat the S&P 500 the last 10 years😮
tech is overvalued and i believe will underperform value stocks for a few years. A few other guys have done some good analysis on this - XEQT vs NASDAQ. Btw Im a software engineer at big tech company.
Your explanations are very understandable. Thank you so much!
As a 39 years old what will be your advice for this 4 etf what should be percentage each one how much I should buy in percentage ?
25% VDY in tfsa,50% VFV RRSP, 25% SCHD RRSP & Individual account
CBIL vs CASH, is one actually better than the other, and why ?
great simple video thank you
BUYING THE DIP!
Looking good, Brandon!
CASH for your cash? When a share is $50+ for a 4.67% ann dividend return. Really recommending this?
I'm confused by this advice too.....I would just buy short term GICs which are currently up to 5 percent and just park $$ there and ladder them if rates continue. Thoughts?
Great video, ETFs for dummies like me 😊.
vfv did me good my average is $86 a share😮
I like TPU , TTP, TGRO
Hold forever? like BABA?
Ow :(
😂 cold
What about HDIV or HMAX ?
Those are income style ETFs, not index.
@@Blayne-vq7sl thanks for answering. I guess I didn't know the difference.
Why not HYLD ? it has HMAX and other Hamilton ETF
@@Sniper1million again, those are income style ETFs, not index
Thank you for your information !!
Thx as always! my trusted YoiuTuber
Thank you
Great video, Brandon.
Id be interested in a video on ETFs focusing on different geographic regions. Im bullish on asia specifically japan/china and south america and india. What are the best options for those regions
Personally I love ZID (ETF with Indian ESG compagnies) beat VFV this year !
This was great. Thank you for the great video!
please do a video of nasfaq 100 with difference with xqq and xqqu
Love VFV.
You should have shown us QQQ and a covered call ETF, instead of the bond ETF. No one even buys bond / fixed income ETFs anymore unless you're like 90 years old.
Why would you buy the last etf CASH , when you just put in a bank account like KOHO and get 5%
thanks much ❤
What is the "capped" when ETFs have that in the title?
usually it means they wont allow any individual holding to go above a certain % of the fund,
@jordanosborne5033 thanks! Appreciate it, and your content.
Vfv and xeqt holds US companies so these ETFs are subject to 15% with held tax no matter what coz these are Canadian ETFs with US holdings.
good to see you back.
What is the difference between bond and GIC?
I think the main difference is Bonds are issued by Corporations and or Governments. GIC is issued by banks and or credit unions.
great vid. I appreciate you taking the time to do this, cheers
Should a person be concerned about the fund company? For example, XEQT is an iShares fund, consisting of other iShares funds... should something happen to Blackrock, would this be a problem... or am I over thinking it?
I think nowadays you must have semi ETF, like SOXX
👍🏻👍🏻awsum video really liked it. Keep up ur good work👍🏻👍🏻
VOO is better than VFV
I love this video. I just started investing for myself, and I own a few of these. Since I am older, I will look at the bonds ZAG.
fantastic video!
I think its not worthwhile investing in a Canadian ETF. Pick an individual bank, energy company and railway, then focus on all US, stocks or ETFs. My ETF choices MGC, IXN and Moat.
VFV is canadian but they are focused on the USD market?
@@jordan.h6821vfv is the Canadian version of Voo. It is esentially the same holding
US stocks or etfs are subject to 15% taxed at the time of withdrawal by US govt.
They are some canadians etf based on US sectors tho
@@denverd513 15 percent witholding tax on dividends
Hey Brandon, or anyone who would be coming to answer. Sorry for a basic question, because these ETFs hold American stocks, are they applicable to the 15% withholding tax?
Thank you in advance
Really enjoy this channel. Great video!
only for your dividends which shouldn't amount to much overall
Bmo zmi is a good etf. Also I invest in shares xpf rather than a more expensive etf
Bit new to investing, but what is the difference between VFV and VOO?
vfv tracks voo but in canadian dollars, essentially it's the same thing.
@@etiennesimard9673 What if I buy VOO from Canada being Canadian resident? Is there any extra charges or taxes?
well places like Wealthsimple will charge 1.5% to change your cad to usd to purchase VOO, if i were you id get vfv or zsp in cad, let it go up and wait for a possible US crash and then convert to usd at a better rate. I'm no advisor but 1cad to 0.73 usd is bad right now. I am of course not accounting for how US stocks would perform with a strong cad, but thats beyond my skill.
I have a portfolio with VFV (30%), ZNQ (25%), XEI (10%), XEQT (10%), HTA (15%) and ZWB (10%). I'm 58% exposed on technology in order to growth. What do you think guys about it? :)
too much overlap bruh
@@markpeters4393 Between HTA VFV and ZNQ right? I agree, I'm looking for new ideas to optimize that
XEQT should be the highest weight for sure...could just go XEQT and VFV and be happy in the long run...
Switch to VOO and SCHD
Great!
Why would you tell new investors, assuming they have lot of time in the market, to invest in bonds when you can find better return with more blue chips stocks ?
Would you buy CASH in a non registered account for a short term goal or even park your emergency fund in there? What are your thoughts?
How are these etf fees collected from me?
The fund deducts the fees from the NAV. it’s automatic, investors do nothing to pay the fees.
Sold my Vanguard Stock after I found out how much war they fund.
no one cares
Wonderful picks Brandon. I hope life is treating you well. Many younger investors have never seen the value of including Bonds in a portfolio as the interest rates have never been falling like we anticipate now. All the way back to 2007 (6.25%) dropping rates to 2009 (2.25%). In 2008, market correction was 30+ percent down in all stock categories while bonds returned +6%. Bonds then continued to outperform US Large Caps from 2009-2012. Looking at Bond returns in last 8-10 years not the proper comparison IMO. I think they definitely have a place in balanced portfolios now.
Interesting enough you did not mention one of the most successful fund. Well, it is not really a fund. Berkshire Hathaway.
Glad to see you Brandon!!! I hope you and your new family is doing great! your father is great as well. did you get a dog or cat?
Feels good to be back… no new animals but the same 2 cats and 1 dog from a few years ago! Cheers momo
VFV friends that low fee is courtesy of the master John Bogle. There should be a freakin statue of him on Wall Street. Brandon i'm surprised no mention of Harvest. I'm going all in on HTA. Cheers
need more cash to buy more 😀
How does ZAG that is down 14% over the past 5 years and down 9% over its life time preserve wealth?!?🤔 you would be better off putting your money under your mattress.
@@filb WRONG!! Bonds have typically been to preserve wealth needed for the nearer term like retirement, when you have a long time before you need the money then you invest more in equities. im also looking over the life of the fund how much longterm can i get! If i was retired like they were talking about this would be a major blow to my portfolio. In Retirement youre looking at short term needs, if you want to look at long term, every asset class on the planet has performed better over the long run. They would have been better using CMR or CASH as an example.
Look at ZAG today buddy. That’s why you own it. Sometimes there are things called recessions happen.
@@ron.mexico. LMAO! Wow! Its up .6%.😂 it is still down 13.6% over the last 5 years. If i was a retiree a i put a good chunk of my savings in this 5 years ago my money would have lost 30-40% of its value to inflation and another 13% to the fund so in essence i would have lost 50% of the value of my money. .6% 😂🤣😂🤣
Basically like the whole market. Just bunch of corrupted bastards! May as well just play casino.
ZAG has a weighted avg duration of over 7 years. The fact that you're focusing on 5 years means you don't understand the purpose of the ETF. Second, it''s nowhere near close to being down 13% over 5 years. As per usual, novice investors focus on the ticker price while ignoring the distributions. ZAG has a positive return over 7 years and is roughly flat over the last 5 years. The purpose of aggregate bond ETF's is to reduce the volatility of your portfolio while providing monthly income. ZAG has a much lower standard deviation compared to ZCN while having a positive nominal return.
Why would you keep your investments in CAD$$? Horrific advice
Can you please elaborate?
@@pmc89 Having all investments in only 1 currency is risky. I would highly recommend holding some investments in USD. Example....rather than investing in VFV hold VOO
Why are you jipping those 4 companies? Say it like it is, bro. There's 504 companies.
etf's created in the 80's? after a billionaire lost his chit paying mutual fund "fees"
Set it forget it that’s not true even ETF. You need to monitor them if things go south then you will stuck with fund 😂
Great video. Good you don't leave it all to your dad to do.
Brandon has a young family. His Dad may have more time to dedicate to the channel. They are in different seasons of life.
Lol. VFV + XQQ and VCE
Hi, Im Canadian, New to the investor world. I have purchase schd and a bit of vdy in my tfsa account, i have noticed when you purchase a american stock there is a 15% withholding tax plus the mer of schd is 0.06%. Should i continue investing into both these stocks or one of them?
Schd should be held in your rrsp, then the 15% withholding tax is waived.
Only hold Canadian etf's in your TFSA.
I think that depends on your end goal. Maybe the want to use the income directly in the future, and that 15% tax is not an issue.
@@AvgJoeCda Ok, In your rrsp don't you get taxed when withdrawing from the account? Thanks
@apple85126 Yes, you do. But your tax is a flat rate...not an extra 15% withholding tax.
RRSP is the only vehicle where you can have US holdings & not pay the 15% withholding tax.
So it's best to keep US holdings in RRSP and Canadian holdings in your TFSA.
@RidlysEmptyNetter what about canadian efts that have some allocations in the US market? Are those efts ok to have in a tfsa or will it be subject to the 15% withholding tax due to the US allocations?
QQQ
Don't recommend channel..
I'm new to investing and I came across AGNC which has a 14% yield. Is something like this too good to be true or is there simply higher risk?
it's dividend yield not dividend growth, actually the growth of that company has been on the decline since 2012, meaning you're getting less and less from the dividend even if they increase dividend yield to attract more people to buy their stock. I'm not big into dividend investing but if I were to buy a dividend stock I'd want it to have a good track record of company growth and not a lifetime of decline (its down 49.22% of its value since its inception in 2008), also reasonable dividend yield (14% sounds like a company desperate for cash).
Lot of split funds out there will provide that kinda yeild but are high risk
the markets are going to crash. You'd be buying all these at the top
they are?
XEQT is way too diversified. No need for that much diversification. Pass. MER way too high.
what would be a better Canadian ETF with low cost MER
This is the way.
what do u suggest?
l
wow, bro is getting older...thanks for video anyways