Mailbag Episode: Emerging Markets & Fixed Income Allocation, DCA vs. Lump Sum and more!

The hosts discuss portfolio allocation for the next five years, investing in emerging markets, and their decision to not seek exposure to China. They talk about the potential risks of investing in China and share the story of how they started the podcast. They discuss different options for emergency funds and the impact of HSA ETFs on big banks. They explain the different types of investment accounts and the importance of understanding private offerings. They weigh the advantages and disadvantages of lump sum vs. dollar cost averaging investing. They discuss mortgage insurance in Canada and the risks associated with higher loan-to-value ratios.