--001a114825fe937052052db45e28 Content-Type: text/plain; charset=UTF-8 Content-Transfer-Encoding: quoted-printable awesome, thanks. I'll review and get back to you. Tim On Thu, Mar 10, 2016 at 11:29 AM, Beauchemin, Charles wrote: > Hi Tim, > > > > Sure I am open to discussion. > > > > To be honest you would be surprised that IF we did absolutely nothing to > your current holdings, they will all go up in value regardless of the > changes you would like to make now. > > I have seen it time, and again. > > > > However if you would like to =E2=80=9Csimplify things=E2=80=9D than sure. > > > > How about the following: > > > > -Sell the RBC US Index Fund (approx. $6,000) > > -Sell the TD Monthly Income Fund (approx. $2,400) > > -Cash balance of 2323.55 > > > > You will have just over $10,000 to invest. > > > > I would buy the Vanguard Total US Market ETF (TSX: VUS) > > > > Remember: This is a retirement portfolio. > > You will not be withdrawing this money until you are forced to at 72 year= s > old (41 years from now) therefore the day to day or month to month > performance is not so important. > > > > I still recommend holding the Fidelity Fund (has some bonds in it for > safety) and the NBC International fund (for European stocks) > > > > Your call, let me know what you would like to do? > > > > Charles Beauchemin, B. Comm CIM=C2=AE > > Conseiller en placement | Investment Advisor > > Gestionnaire de portefeuille associe | Associate Portfolio Manager > > Financi=C3=A8re Banque Nationale =E2=80=93 Gestion de patrimoine | Nation= al Bank > Financial =E2=80=93 Wealth Management > > Transit: 147 Pointe-Claire > Tel: 514.428.4328 | Fax: 514.426.2009 > Sans Frais | Toll Free:1.888.322.2522 > > charles.beauchemin@nbc.ca > > > > *From:* Timothy Thomas [mailto:tt@homecareassistance.com] > *Sent:* March 10, 2016 11:17 AM > *To:* Beauchemin, Charles > *Subject:* Consolidate > > > > Hi Chuck, > > > > Can we come up with a strategy here to consolidate all these different > funds for the long term. I liked that Vanguard fund we last spoke about. = I > wouldn't want all my money in that but perhaps we can have 2 funds that a= re > diversified. > > > > What do you think. > > Thanks and keep me posted on baby watch. > > > > -- > > *Timothy Thomas* > > > > *Home Care Assistance (Montr**=C3=A9**al) Inc.* > > *4464 Ste. Catherine Ouest* > > *Westmount, Qu**=C3=A9**bec* > > *H3Z 1R7* > > *Tel:* *514 907 5065 - Fax: 514 907 5067 * > > *tt@homecareassistance.com * > > > > > > > > ------------------------------ > CONFIDENTIALIT=C3=89 : Ce document est destin=C3=A9 uniquement =C3=A0 la = personne ou =C3=A0 > l'entit=C3=A9 =C3=A0 qui il est adress=C3=A9. L'information apparaissant = dans ce document > est de nature l=C3=A9galement privil=C3=A9gi=C3=A9e et confidentielle. Si= vous n'=C3=AAtes pas > le destinataire vis=C3=A9 ou la personne charg=C3=A9e de le remettre =C3= =A0 son > destinataire, vous =C3=AAtes, par la pr=C3=A9sente, avis=C3=A9 que toute = lecture, usage, > copi