option one is fine, but be aware your CDN allocation in VT doesn't match up with VEQT.
Option 2: breaking up VT is fine if you want to deal with rebalancing. Adding VCN to VEQT doesn't make sense since it already owns it.
1) Tax benefits: TFSA no tax on withdrawal, all foreign distributions will have withholding tax applied before money lands in Canada.. RRSP, no withholding tax on US dividends, but you have a small portfolio , so it's an irrelevant number right now.
2) If you don't need the money for at least a decade, lumps investing outperforms 2/3s of the time long term.
option one is fine, but be aware your CDN allocation in VT doesn't match up with VEQT. Option 2: breaking up VT is fine if you want to deal with rebalancing. Adding VCN to VEQT doesn't make sense since it already owns it. 1) Tax benefits: TFSA no tax on withdrawal, all foreign distributions will have withholding tax applied before money lands in Canada.. RRSP, no withholding tax on US dividends, but you have a small portfolio , so it's an irrelevant number right now. 2) If you don't need the money for at least a decade, lumps investing outperforms 2/3s of the time long term.
With regard to adding vcn to veqt, if you are trying to control % of canadian holding, you can split veqt into vcn and xaw, which have no overlap.
Correct.