Sunday, 3 March 2019

TD 75/25 split mutual funds

TD e-series funds allow you to invest for on average a low fee of 0.44% with no dealing costs.
TD900  0.33% Canada .           $26.44
TD902  0.35%  USA                  $64.91
TD909  0.50%  Canada Bond $11.41
TD911  0.51% International .$13.54

The worst 20 year return with a 50/50 stock/bond split since 1980 is 5.5%. The average works out to 8.6% before fees. Assuming a 50/50 split with VBAL.TO 25.04 and VCNS.TO 25.11, less 0.22% fees should return on average 8% between 2019-2039.

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