Tag: apple

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What companies are in my retirement portfolio?

RobH1 Comment

I cover what I hold in my retirement portfolio every month (latest update is here), but as you can see, I only hold ETFs. What’s underneath the ETFs? Let’s take a look!

Calculating this is straightforward:

  1. Use the percentages I have of each ETF from the June update
  2. Look at the “Holdings” section of ETF or in the case of AOA/XGRO/XEQT, “Aggregate Underlying Holdings”1 and write down the percentages of each stock. I stopped when I accounted for 20% of each ETF.
  3. Multiply (1) by (2) and add them all up.

By doing this exercise, I can now account for the 20 companies that make up 20% of my retirement portfolio:

These 20 companies are really the tip of my personal investment iceberg — my aggregate retirement portfolio has at least 32,000 holdings, since that’s what’s actually inside AOA, the one ETF I own with the most holdings2. But the fate of these 20 companies will have an outsized influence on the overall performance of the portfolio. The only surprise for me is that there is only one company outside North America in the list. I would have expected one or two more.

It will be interesting to see what kind of differences I see once I complete kicking USD out of my retirement portfolio and go back to a list of only seven magnificent ETFs. I’m not sure there will be big changes, given that I’m keeping my asset allocations constant throughout, but I’m expecting some differences3. We’ll see come January 2027, I guess.

Just for fun, and given my recent article on the SpaceX IPO, I wanted to know how much I held of that particular company. AOA hasn’t included it yet4, but XGRO and XEQT have already. As of June 30, 0.02% of my portfolio is invested in SpaceX.

  1. In most cases, as of June 30. VFV only shows to May 30. ↩︎
  2. XGRO has 22000, for reference. I think the extras in AOA come mostly from fixed income (bond) products since they have broader geographic coverage. ↩︎
  3. The biggest changes won’t be visible since they occur in the bond side of my holdings. AOA and XGRO have very different approaches to this part of the market, but as it’s only 15% of my retirement holdings, they don’t show up as a “top” holding in my retirement portfolio . ↩︎
  4. And won’t until SpaceX is profitable. AOA includes IVV, which is an S&P 500 index fund, and the S&P 500 requires companies to be profitable before inclusion in that index. ↩︎

iPhone Cheapskate

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I know Apple devices have a reputation as being premium/pricey devices and so seeing “iPhone” and “cheapskate” in the same sentence is probably controversial, but if you’re a long time owner of Apple devices (4 Mac computers1, 2 iPads, 2 iPhones, one old iPod still ticking), there is a strong ecosystem factor that makes it hard to break free2. Addtionally, the hardware3 is really quite rock solid (if nearly impossible to repair nowadays), so you do get a bit of longevity when you spring for an iDevice.

But let me share with you a new thing I discovered yesterday that may save you from an upgrade that isn’t necessary.

I’ve been struggling with “out of storage” warnings on my iPhone4 for a number of months now. Every time I got one, I checked for the usual culprits:

  • Too many photos/videos on my phone. I try to keep the number very small (often zero) since I use Google Photos to back up any image to the Google cloud. No need for local copies, since I can grab them on demand from the cloud5.
  • Too many photos/videos sent via messaging apps (and I use a bunch: Messenger, WhatsApp, Messages, Slack)
  • Too many downloaded podcasts (listening to podcasts while on road trips or runs is a favorite habit of mine; the offerings of Pushkin are generally very high quality)
  • Too many apps that I used once and then moved on from

And after going through the list, I would normally clear up enough space to quiet the warnings for a while. The last time I got one, i got a little infuriated and deleted 95% of the music I keep on my iPhone because I don’t listen to music on it all that often.

But less than 2 weeks after the extreme purge, I got yet another “storage low” warning. I was a bit exasperated at this…what’s the point of having a phone if I’m spending hours every week reducing its capabilities? No photos, no music, no podcasts? No way!

So I took a much closer look at the “storage” report on the iPhone, and it looked something like this6:

“System Data”, the light grey bar (not to be confused with iOS, the dark grey bar) had grown to take up an ENORMOUS amount (~30GB) of data on my phone. What, exactly is “System Data”, you may ask?

That, it would seem, is a rather accurate description. Once I determined that this stuff was probably expendable, I set out researching how to get rid of it. I’ll save you sifting through dozens of bad videos and terrible advice and cut to the chase. Here’s what my iPhone storage looks like this morning:

You’re seeing that right — 38GB free, up from 1GB free. “System Data” reduced from around 30GB to 5.75GB. So what did I do?

Rather than spend hours trialing and erroring deleting apps and re-installing them, I went nuclear. I backed up the phone to iCloud and completely erased it7, then restored it. This is an extreme measure that isn’t for everyone but the results are quite clear.

Here’s a non-exhaustive list of why you should be very careful before doing this to prevent loss of data — don’t say I didn’t warn you!

  • you don’t back up your photos/videos anywhere
  • you haven’t backed up your iPhone to iCloud
  • you don’t have your music backed up somewhere (if purchased in iTunes, all can be re-downloaded; if synced from a computer, that can be redone)

Anyway, for me, having migrated phones more than once, I was pretty confident I wouldn’t have much in the way of downsides in doing this. Some things you have to re-do

  • rescan your fingerprint for TouchID
  • retrain Siri to respond to your voice
  • Re-enter your payment cards for Apple Pay
  • Re-authenticate into some/all of applications that require it
  • Resync your music

Anyway, all this to say that before you think you need to upgrade your phone because you’re out of space, maybe take a closer look…

  1. One running Linux MX because it’s over 10 years old, one gifted to me from Wealthsimple, one in the upstairs office that I should probably sell, and one that I’m typing this from (another ancient laptop with a “battery” in name only that should probably get the Linux MX or Chrome OS treatment at some point). ↩︎
  2. Most lately, Apple’s Passwords app is so so good ↩︎
  3. The collection of still-functioning and largely functional hardware is a testament to that. ↩︎
  4. A 64GB iPhone SE gen 3, if you’re wondering. Yes, it’s old. I’m a cheapskate, remember? ↩︎
  5. Of course my free Google storage is beginning to get squeezed, but a small time investment can usually generate pretty big gains; a lot of what I take pictures of nowadays is stuff I’m trying to get rid of. ↩︎
  6. Not from my phone, just a nice image with the correct attributes I found; enormous System Data contribution, and less than 1GB of free space on my phone. ↩︎
  7. Except for my Airolo eSIMs, that was something iOS offered to keep around after selecting “Erase Content and Settings”. ↩︎