I have bout 4000 in 10 different Investor series TD Mutual Funds.
Have lost bout 600 in last year.
Was thinking of doing the Couch Portfolio.
Should I keep my 10 different funds or sell them and buy e-series?
Good idea?
Was thinking of buying E-Series.
What specific funds do you guys like the most?
Looking for good e-series index fund with good track record and low MER.
Thanks.
And what will you call the portfolio once you add another what half dozen to the list? Lol.
Of course get rid of the high priced crap if you're going to buy the lower priced stuff. Index funds aren't rocket science just pick a few broad based equity funds and maybe a crap bond index, maximum five, and enjoy your eternity of underperformance knowing (well you may not) that you are beating most other "investors".
Better than the i-series index funds since the fees are lower. The managed funds have pros and cons, but history would show an advantage for the passive index funds over their managed brethren. As I said basic index funds are sufficient, I don't believe TD has much in the way of exotic choices so you can't go too wrong here.
If you're not familiar with the major indexes checkout any financial website to see which ones you should be looking at buying.
Personally I have zero interest in index funds and about as much in TD so no precise selections for you.
I have bout 4100 in book value of 10 TD I series Mutual Funds
Only 1 - the TD Canadian Bond Fund is above book value.
In total, it is bout 3500 in market value since the last year.
Should I take a loss and move the remaining capital to TD E-series funds?
Or should I wait and see if I can regain some losses?
Please help me.
Thanks.
lucky21 wrote:
Guys
I need some help on this way.
Please give me your best advice.
Thanks.
I'm guessing no one has responded because no one can provide an accurate answer to your question.
You are asking us whether you should stay invested in a particular fund or cash out and re-deploy your money.
How can anyone answer that?
Even if someone were to, they would simply be guessing/speculating and your guess is as good (or bad) as theirs.
However, when you evaluate how much you have made, do not look at the book value because that includes re-invested distributions.
Look at how much you originally put in, when you put in, and calculate an annualized rate of return.
Then once you have determined your loss, consider whether you can recover the loss faster by staying invested or selling and buying something else.
If you think this particular fund isn't going anywhere, then it may be better to take the loss now, get out and re-invest where you can recover faster.
You said it's a bond fund - if so, bond funds don't move as fast as stocks.
Factors affecting bond funds are different than factors affecting stock funds (of course, large scale economic conditions affects both).
If you are down by a big amount, it's unlikely that you can recover that fast in a bond fund.
On the other hand, bond funds are relatively "safer" instruments in terms of volatality than stock funds.
You need to weigh the risk-vs-reward.
There is a risk that you may get out of bonds and get into stocks and there is a major market downturn soon afterwards and now you can lose even more.
Another option is to stay with bonds but get into a lower cost bond fund and save fees (which enables you to "recover" faster and yet stay invested in the same asset class).
No one can give you a definitive answer one way or another.
This is your call.
