Building a low-risk portfolio for less

How to build a tax-efficient and relatively safe investment portfolio.

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by

From the November 2012 issue of the magazine.

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Victoria resident Trish Shwart, who is 60, recently moved her savings out of “a large, expensive investment firm” to an online brokerage. She wants to build a low-cost portfolio of about two-thirds fixed income and one-third equities, including real estate investment trusts (REITs). For tax- efficiency, she should hold the equities in her taxable account and the bonds and REITs in registered accounts.
If you’d like MoneySense to recommend a portfolio for your investment goals, email us at letters@moneysense.ca.

2 comments on “Building a low-risk portfolio for less

  1. What is missing here is taxes.

    Since taxes (income, capitial gains, and dividends) may range from 20% to 45% of total returns how about reviewing ways of cutting the tax bill by half.

    One story is of course annuities.

    Reply

  2. Questioning exposure to financial sector…appears to be around 30%….2008 -2009 ?????

    Reply

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