TFSA/RRSP 15-Year Strategy: Looking for 8-12% Return with 100% Capital Safety ($100K Total)
Hi everyone,
I'm putting together a 15-year wealth strategy and would love the community's insights. Here is our current allocation:
ā¢ My TFSA: $30,000
ā¢ My RRSP: $20,000
ā¢ Spouse's TFSA: $50,000
ā¢ Total: $100,000
Our goals:
ā¢ Horizon: 15 years
ā¢ Return Target: 8% to 12% annualized
ā¢ Risk Profile: 100% capital safety (principal must be protected)
Given these registered accounts (TFSA/RRSP) and a strict 15-year lock-in, what specific asset classes, instruments, or structures would you recommend to hit that 8ā12% target without risking initial capital?
Looking forward to your advice!
