Step 1 - Choose Your ETF Portfolios

Welcome to SPY Surfer! Investing can be complicated as there are thousands of stocks, mutual funds and ETF out there to choose from. What to buy? When to sell? This process is time consuming, overwhelming and most of the time, not profitable.

SPY Surfer is here to help. It offers simple ETF portfolios made with essential ingredients, also called asset classes. These ingredients include stocks, bonds, oil, gold, and real estate, made in various parts of the world. In other words, our ETF portfolios are diversified. That's the beauty of ETF (Exchange-Traded Fund). They trade like stocks, are more tax-efficient and way cheaper than mutual funds.

As the quality of essential ingredients varies depending on the season, it is important to cook with the freshest products available. Similarly, SPY Surfer periodically refreshes its ETF portfolios based on the market conditions, making sure that, on average, we are invested in the freshest products.

SPY Surfer offers six ETF portfolios, three in US dollar, three in Canadian dollar:

Asset Classes per ETF PortfolioUSDGlobalUSDSectorsUSDWorldEqCADGlobalCADSectorsCADWorldEq
SP500
Developed Countries
Emerging Countries
Frontier Countries
US Bonds
Foreign Bonds
US Sectors (9 sectors)
TSX60
CAD Sectors (5 sectors)
CAD Bonds
Real Estate
Gold
Oil
Money Market (cash)

Leaner with less ingredients and lower-cost, ETF Lean portfolios are available to customers of the following Canadian banks:

Asset Classes per ETF Lean PortfolioRBCTD BankBMOICBCScotia Bank
SP500
Developed Countries
TSX60
CAD Bonds
Money Market (cash)
 

Step 2 - Invest in Your Own Account

Now that you have decided which ETF portfolios you want to invest in, the question is how to implement them? It's easy. All you need is a trading account where you can buy and sell ETF. It can be done either in a non-registered or registered account, like a TFSA, RESP, RRSP, LIRA, 401k, ...

At any time, our ETF portfolios are invested in a minimum of one ETF, to a maximum of three . That's it. The whole idea is to minimize the trading costs while being diversified. Yes, although being invested in one ETF could sound everything but diversified, most of the ETF used in our portfolios contain hundreds of companies.

Step 3 - Relax

At SPY Surfer, we believe that investing is like cooking. It's about having simple recipes with essentials ingredients. As seasons change though, it is important to cook with the freshest ingredients. This process is called rebalancing. Once a month, we look for the ETF that are in season. Although we are not always right with our newest picks, we know that our picking process has been, so far, more right than wrong.

So no need to check your ETF portfolios every day. Once a month will suffice. All you need to do is check your ETF portfolio at the end of the month to see what ETF to hold for the next month. That's all. So get out there enjoy your life! And relax.