Your new client, Tamara Stocks, is seeking your advice regarding his investments. Tamara has the following:

Account

Amount

RRSP

$60,000

TFSA

$30,000

Non-Registered

$300,000

In addition to these accounts, Tamara has just received an inheritance of $350,000 from a relative. Tamara has $10,000 unused TFSA contribution room and $50,000 unused RRSP contribution room and earns $150,000 annually (I wish). Based on your interview with Tamara, and her KYC and risk tolerance questionnaire which you completed last week, construct Tamara's investment portfolio.

1. Indicate the recommended structure for each account:
2. Intended time horizon (0 - 2 years, 3 - 5 years, 6 - 10 years, 10+ years)
3. Risk profile (high, medium, low)
4. Percentage of equities / fixed income.
5. Indicate the recommended investments for each account:
6. Mutual funds (limit of 6 per account)
7. Cost of each fund (MER) in percentage terms
8. Total cost of the account in dollar terms
9. GlobeFund rating (1 - 5 stars) for each fund
10. Support your recommendations - Explain why you have recommended the funds you have chosen, and explain how they are properly aligned to Tamara's goals, time horizon, and risk tolerance.
11. Assume no future contributions or withdrawals. Assume equities average 7% annual growth. Assume fixed income averages 4% annual growth. How much does Tamara have when she retires 20 years from now?

Tamara is in desperate need of your assistance and has come to ask for your managing her investments. Please help her!