Hi CanPP, I read you've been hitting the 35% bands regularly and thus rebalancing a lot. Do you rebalance by selling out of the 35% or just buying the underperformers to bring all assets to 25%?

Thanks for all your responses. Mike and Stunt, I concur with CanPP in using ZFS to hold cash instead of keeping it in a HISA. Well, I'd keep a reserve fund in a HISA, but my intent is to park the rest in ZFS. For long term bonds, I looked into XLB and I'm intrigued by it. Yet, I feel it deviates fro...

Thanks for replying. I'd like a bit of currency diversification since our CAD is mostly a petrodollar. I'll look into XLB. How do you buy gold? My current concern is that my account is so small that the commissions for physical gold would eat any gains. Once I reach a more sizeable portfolio then fo...

Hi! I decided to join. Finally. I came across the PP concept about 6 months ago. I've done quite a bit of research on the topic. I also read Roland and Lawson's book. I don't need any more convincing. Coming from a Latin American country I know how important it is to diversify. Now I live in Canada....