What is the BEST Asset Allocation ETF for Canadians? FULL REVIEW (Pt.2)
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- Опубликовано: 31 июл 2024
- This is a complete comparison of the main All-In-One ETF (aka Asset Allocation ETF) companies’ products: Blackrock iShares, BMO, Horizons, and Vanguard. We will compare their fees, tax drag, and holdings, reviewing which is the best to hold in each account. For Part 1 of the intro to ETFs, the link is here: • All-In-One ETFs EXPLAI...
𝗧𝗼𝗽𝗶𝗰𝘀 𝗖𝗼𝘃𝗲𝗿𝗲𝗱:
0:00 - Intro
3:14 - The Big 4 Providers of Asset Allocation ETFs
4:52 - Stock:Bond Allocation of each ETF
6:10 - Net Assets & Daily Volumes of each ETF
11:29 - Underlying Equity Holdings
18:29 - Underlying Bond Holdings
23:40 - TFSA: Fee & Tax Drag Comparison
27:37 - RRSP: Fee & Tax Drag Comparison
28:12 - Personal Taxable Account: Fee & Tax Drag
29:39 - Corporation: Fee & Tax Drag
33:50 - Summary
𝗧𝗶𝗰𝗸𝗲𝗿 𝗦𝘆𝗺𝗯𝗼𝗹𝘀:
1) Blackrock iShares: XEQT, XGRO, XBAL, XCNS
2) BMO: ZEQT, ZGRO, ZBAL, ZCON
3) Horizons: HGRO, HBAL, HCON
4) Vanguard: VEQT, VGRO, VBAL, VCNS
𝗢𝘁𝗵𝗲𝗿 𝗿𝗲𝘀𝗼𝘂𝗿𝗰𝗲𝘀:
1) ETFs Made Simple (Pt 1): • All-In-One ETFs EXPLAI...
2) Efficient Investing in a Corp/RDTOH: • Efficient Investing in...
3) Loonie Doctor Blog Article: www.looniedoctor.ca/allocatio...
This presentation was created by Dr. Mark Soth from The Loonie Doctor Blog. Dr. Soth and Dr. Stephanie Zhou are co-lecturers in the Financial Literacy and Practice Management curriculum for residents and early-career doctors in Ontario.
𝗗𝗶𝘀𝗰𝗹𝗮𝗶𝗺𝗲𝗿𝘀:
This content is for education and entertainment purposes only. Any information, views, and opinions expressed are solely those of the presenter and are not a substitute for financial advice specific to your personal situation. Dr. Stephanie Zhou has no personal conflicts of interest to disclose and was not paid by any parties to conduct this interview of Dr. Mark Soth. Her channel (Breaking Bad Debt) is monetized and may feature ads due to a change in RUclips policy to include ads regardless of whether monetization is turned on or not.
Dr. Mark Soth's blog (looniedoctor.ca) receives a small commission from Qtrade Direct Investing from accounts opened using the affiliate link on the site. The commission goes towards offsetting the costs of running his blog.
#assetallocation #etfs #investingforbeginners #investingeducation
𝗧𝗼𝗽𝗶𝗰𝘀 𝗖𝗼𝘃𝗲𝗿𝗲𝗱:
0:00 - Intro
3:14 - The Big 4 Providers of Asset Allocation ETFs
4:52 - Stock:Bond Allocation of each ETF
6:10 - Net Assets & Daily Volumes of each ETF
11:29 - Underlying Equity Holdings
18:29 - Underlying Bond Holdings
23:40 - TFSA: Fee & Tax Drag Comparison
27:37 - RRSP: Fee & Tax Drag Comparison
28:12 - Personal Taxable Account: Fee & Tax Drag
29:39 - Corporation: Fee & Tax Drag
33:50 - Summary
𝗧𝗶𝗰𝗸𝗲𝗿 𝗦𝘆𝗺𝗯𝗼𝗹𝘀:
1) Blackrock iShares: XEQT, XGRO, XBAL, XCNS
2) BMO: ZEQT, ZGRO, ZBAL, ZCON
3) Horizons: HGRO, HBAL, HCON
4) Vanguard: VEQT, VGRO, VBAL, VCNS
𝗢𝘁𝗵𝗲𝗿 𝗿𝗲𝘀𝗼𝘂𝗿𝗰𝗲𝘀:
1) ETFs Made Simple (Pt 1): ruclips.net/video/lWBRXthIeZc/видео.html
2) Efficient Investing in a Corp/RDTOH: ruclips.net/video/7a_R3CkufBU/видео.html
3) Loonie Doctor Blog Article: www.looniedoctor.ca/allocation-etf-comparison/
So helpful both of you. Thanks!
Very nicely explained both of you👍
Hi Steph can you do a follow-up on HGRO which has since morphed into HEQT and started making distribution of about 2% instead of zero percent as was the case in HGRO
Can you guys do a video on high yield CC ETF's? Many of us might be in the same boat, where we have worked hard, saved money, and now have considerable capital that we plan to use to retire on and are looking for investment vehicles to park that money in. In comes high yield CC ETF's (covered call) from the likes of Hamilton, Horizon, Harvest etc. With many of them paying yields north of 12% (some higher than 16%) they seem too good to be true. I understand that one of the reasons they can pay such high distributions is b/c of the options writing strategies they use to generate income, but still it seems too good to be true.
Hi! just came across your channel- just wondering do you you have a video/resource for how to decide if its better to buy a home vs invest? maybe its. a loaded question
Hey, I don't have a specific video on it but it was covered in this video - I have linked the timestamp here: ruclips.net/video/vjCjU9hjAI0/видео.html
Guys! Great information. Thanks alot. For Herizon products, since they don't hold the stocks itself rather than a guarantee aggrements with bank. Can the banks or whoever that holds the agreement refuse to honor it? How safe these corporate class ETF's are?
I can't comment on whether the bank decides to not honor the agreement b/c I can't predict the future but the bank does get a fee for entering into the swap agreement and makes money that way. How safe is it? Also hard to know b/c I can't predict future legislation but corporate class funds have been around for a long time.
14:50 what is meant be the small cap premium being about 1%?
Hi Marion, historically small caps have overall higher returns than large caps by a margin of about 1% which is why Mark was referring to them having a 1% premium. Although in the past couple of years this premium has gone down due to the enormous performance by mega caps (think MSFT, AAPL, NVDA) - who knows if this performance will continue into the future...
I’ll tell my family physician and MD friend about you. Edit: BR and VG have trillions in AUM. Big Cdn banks are global. If they go under the world has big issues. 😊