If equities outperform, which they probably will, that extra 1-2% will make a big difference over 30+ years. Mawer, which epitomizes the art of boring investing, has been nothing short of consistently brilliant - with annual returns of 8.5 percent since the fund's inception in 1988. Comparing the iShares and Vanguard all-in-one growth ETFs, again, there are slight differences. They are basically the same except for the stock-to-bond ratio, as you mentioned. We are talking about 0.25% for VBAL vs. 2% or more for a traditional mutual fund. I think you’ll agree, it’s hard to put a price on that convenience. Compare investments from Vanguard and other fund families. Automatic rebalancing. 67% Upvoted. Questrade is Canada’s premier discount online brokerage service. VEQT vs. XEQT vs. HGRO Equity ETFs. They really make investing easy. Since both VEQT & VGRO are new funds, we lack some historical data. If I was starting over again, I’d be all over these. Vanguard says the Canadian bias lowers volatility. This is useful because not only do they provide consistent returns, but you can also sell them to buy stocks, which reduces the drawdown compared to a 100% equity portfolio. US stocks are so overpriced it's hard to jutisfy, New comments cannot be posted and votes cannot be cast, More posts from the PersonalFinanceCanada community, Continue browsing in r/PersonalFinanceCanada, Press J to jump to the feed. The perfect set it and forget it portfolio. In fact I'd dive in deeper provided I could so. Aggregate Bond Index ETF (CAD-hedged) VBU 14.70% 12.87% 11.03% 9.19% 7.35% 5.51% 3.68% 1.84% 0.00% … 67% Upvoted. 11 comments. Read my full VGRO review here. Author. Because of this, EQT is riskier than GRO, but has higher potential reward (or at least a potentially higher rate of return). With their Vanguard Conservative Income ETF Portfolio (VCIP), Vanguard Conservative ETF Portfolio (VCNS), Vanguard Balanced ETF Portfolio (VBAL), Vanguard Growth ETF Portfolio (VGRO), and Vanguard All-Equity ETF Portfolio (VEQT), Vanguard basically created a one-stop shop for people looking to create a diversified ETF portfolio in the 2nd-easiest way possible (more on that later). This has been long time question like rent vs buy.. nobody knows which would outperform.. all we know is they are both solid ETFs! XAW vs VEQT is not a true apples to apples comparison, plus it’s not really fair to say VEQT is superior based on just one year’s performance. VBAL was introduced by Vanguard Canada in January, 2018 as part of a new suite of asset allocation ETFs (including VGRO and later VEQT). The added returns of 100% equity are pretty small compared to the risk of long drawdowns. In recent weeks, I've been writing about how it's getting easier and cheaper to build a solid globally diversified portfolio using all-in-one ETFs. I don't know the source, but IIRC 20 year returns for a 90/10 and 100 equities split came to about 0.1% return/year. 1 Data as of September 30, 2020. Iron gut based on feelings or have you done a risk assessment? ._3gbb_EMFXxTYrxDZ2kusIp{margin-bottom:24px;text-transform:uppercase;width:100%}._3gbb_EMFXxTYrxDZ2kusIp:last-child{margin-bottom:10px} Compared to purchasing a mutual fund from your bank, it goes without saying that you could save a lot in management fees by choosing an appropriate one-ticket ETF portfolio. XEQT holds over 9,000 stocks but about 28% less compared to VEQT. This is similar to the fees you pay for VGRO and VEQT as well. For penny stocks, please visit: r/canadapennystocks, Press J to jump to the feed. I love the new Asset Allocation ETFs from Vanguard in Canada. This thread is archived. 50% VGRO / 50% VEQT Vanguard All-Equity ETF Portfolio Underlying ETFs Symbol VCIP VCNS VBAL VGRO VEQT Vanguard Canadian Aggregate Bond Index ETF. What I’m saying is, switch because the make-up of VEQT is something you are comfortable with holding for the long term, not because it outperformed XAW in a short period of time. For example, the difference between 90/10 and 75/25 is 1.76% over 10 years. Low cost. Many thanks, Catherine. For investors who are looking for long-term growth. 3-Month 5.06% 0.00%. Correct me if anything I said is wrong. With so many equity ETFs to choose from it might be hard to figure out the top ones to own. VGRO Vs. VEQT (Maximum time frame selected for the best analysis of market return) Again comparing both in terms of growth and dividends, VGRO wins hand down. This is very similar to my model ETF portfolios, which allocate about 33% to Canadian stocks and 67% to global stocks. The expected returns of a 100% equity portfolio are higher than an 80-20 portfolio, it's as simple as that. Whether to buy VGRO, VBAL, or VEQT depends how much you can stomach when the equities fall. It is useful for a set-it-and-forget-it strategy for ETF investors like Vanguard VRIF. GrowthETFPortfolio VGRO Š 29,798 0.22 0.25 All-EquityETFPortfolio VEQT Š 12,545 0.22 0.25 RetirementIncomeETFPortfolio VRIF Š 30,443 0.29 Š . You can wait it out and delay retirement or sell at a loss and risk retirement failure. The panel was unanimous in affirming last year’s choice of the pioneering Vanguard asset allocation ETFs (VGRO, VBAL, VCNS, VEQT and VCIP). So you could drop returns slightly in favour or heavily reducing your volatility. All-in-one diversified portfolios. What do you do? Vanguard U.S. The panel was unanimous in affirming last year’s choice of the pioneering Vanguard asset allocation ETFs (VGRO, VBAL, VCNS, VEQT and VCIP). /*# sourceMappingURL=https://www.redditstatic.com/desktop2x/chunkCSS/ReredditLink.f7b66a91705891e84a09.css.map*/that extra 1-2% will make a big difference over 30+ years. Edit: Mostly because I've established a generous emergency fund. Press question mark to learn the rest of the keyboard shortcuts. Ok that’s what I figured. VGRO vs. ZSP. I'm not sure what you are basing this difference on. VEQT Review | Personal Finance Freedom. veqt vs. vgro Curious on peoples thoughts for a 28 year old aiming to retire by 60 (hopefully earlier). I am 23 and new to investing and this $15,000 is something I would not need for at least 20 years. HI mark, you made my night reading ur post about etfs.. 2. Is there a downside I'm not considering by going all equities? YTD 8.59% 0.00%. VEQT Number of stocks 12,521 Median market cap $53.6B Price/earnings ratio 20.2x Price/book ratio 2.0x Return on equity 14.1% Earnings growth rate 12.5% Equity yield (dividend) 2.5% Sector weighting VEQT Technology 18.0 % Financials 17.8 % Consumer Discretionary 13.2 % Industrials 12.6 % Health Care 9.0 % Basic Materials 7.1 % In this … Vanguard Global ex-U.S. Compare this product However, it has an entirely different approach to it. Compared to purchasing a mutual fund from your bank, it goes without saying that you could save a lot in management fees by choosing an appropriate one-ticket ETF portfolio. 2; Risk rating: Medium. I kind of like the one fund simplicity. You can own a portion of thousands of companies and lend to hundreds of countries and businesses with the click of a button. VGRO Market price return -0.83% 0.34% 3.89% — — 4.03% VGRO Net asset value (NAV) return -0.80% 0.46% 3.95% — — 4.06% †The management expense ratio (MER) is the MER as of March 31, 2020, including waivers and absorptions and is expressed as an … ._2JU2WQDzn5pAlpxqChbxr7{height:16px;margin-right:8px;width:16px}._3E45je-29yDjfFqFcLCXyH{margin-top:16px}._13YtS_rCnVZG1ns2xaCalg{font-family:Noto Sans,Arial,sans-serif;font-size:14px;font-weight:400;line-height:18px;display:-ms-flexbox;display:flex}._1m5fPZN4q3vKVg9SgU43u2{margin-top:12px}._17A-IdW3j1_fI_pN-8tMV-{display:inline-block;margin-bottom:8px;margin-right:5px}._5MIPBF8A9vXwwXFumpGqY{border-radius:20px;font-size:12px;font-weight:500;letter-spacing:0;line-height:16px;padding:3px 10px;text-transform:none}._5MIPBF8A9vXwwXFumpGqY:focus{outline:unset} vgro vs veqt I’m looking at choosing an ETF to put money in to over the next 10-20 years (I’m in my early 30s). I was looking at the 2 etfs you own vym & hdv, Is it good to Own atleast 1 American etf? Thanks for the reply. Press question mark to learn the rest of the keyboard shortcuts. Across 30+ years, you will probably make more returns with VEQT, but that's not guaranteed. XAW vs VEQT is not a true apples to apples comparison, plus it’s not really fair to say VEQT is superior based on just one year’s performance. Investors could have done a lot worse over the past 30 years than investing in the Mawer Balanced Fund. No question is off limits, so hit me up in the comments section or send me an email about all the money things you’re dying to know. vgro vs veqt I’m looking at choosing an ETF to put money in to over the next 10-20 years (I’m in my early 30s). What are peoples thoughts on these 2 all in one ETFs offered by Vanguard. Robb Engen calls these One-Solution ETF solutions “game changers” and in fact his own Desert Island pick was the all-stocks VEQT. Yes. VEQT as you have already seen is well-diversified globally but without bonds. VGRO vs. ZSP. With their Vanguard Conservative Income ETF Portfolio (VCIP), Vanguard Conservative ETF Portfolio (VCNS), Vanguard Balanced ETF Portfolio (VBAL), Vanguard Growth ETF Portfolio (VGRO), and Vanguard All-Equity ETF Portfolio (VEQT), Vanguard basically created a one-stop shop for people looking to create a diversified ETF portfolio in the 2nd-easiest way possible (more on that later). For any Vanguard Canada fund that invests in one or more underlying funds, the number of holdings displayed … Current and Historical Performance Performance for VANGUARD GROWTH ETF PORTFOLIO on Yahoo Finance. Hopefully you’re now feeling more confident about choosing the right asset allocation ETF for you. Vanguard Growth ETF Portfolio VGRO * The Objective Vanguard Growth ETF Portfolio seeks to provide long-term capital growth by investing in equity and fixed income securities. PRODUCT COMPARISON. VEQT vs VGRO in the TFSA. VGRO Vs. VEQT (Maximum time frame selected for the best analysis of market return) Again comparing both in terms of growth and dividends, VGRO wins hand down. Wondering peoples thoughts and preferences. We are talking about 0.25% for VBAL vs. 2% or more for a traditional mutual fund. VEQT vs. VGRO . Math aside, I would maintain that most DIY investors would be wise to stick like glue to their one-fund solutions, even as their RRSP values continue to grow. Mon portfolio peu sembler agressif à priori, mais ayant un long horizon d’investissement, je me disais que je pouvais me permettre d’être plus agressif. Archived. First of all, VGRO allows you be to well-diversified into the global market including the US and Canada. Aggregate Bond Index ETF (CAD-hedged) VBU 14.9%; 13.0%: 11.1% 9.3%: 7.4% 5.6%: 3.7% 1.9% : 0.0%. Then you can simply add a bond fund later on as needed and it will be very easy to calculate how much of your portfolio is bonds vs equities. Automatic rebalancing. You would still expect to be doing better with a 100% equity portfolio because of the 20 years of average returns that came prior to that 5 year downturn. They really make investing easy. Lets say you are invested for 25 years, and the last 5 years are all in the negative. 50% VGRO Vanguard Growth ETF Portfolio 50% VGRO / 50% VEQT Vanguard All-Equity ETF Portfolio Underlying ETFs Symbol VCIP VCNS VBAL VGRO VEQT Vanguard Canadian Aggregate Bond Index ETF VAB 47.06% 41.17% 35.29% 29.41% 23.53% 17.65% 11.76% 5.88% 0.00% Vanguard U.S. Ticker VRIF VCIP VCNS VBAL VGRO VEQT Management fee1 0.29% 0.22% 0.22% 0.22% 0.22% 0.22% Management Expense Ratio (MER)2 – 0.25% 0.25% 0.25% 0.25% 0.25% Investment objective Seeks to provide a combination of consistent income with the possibility of some capital appreciation by investing in equity and fixed income securities. For my retirement money I picked VGRO as it is the supreme favorite of this sub. Questions regarding individual companies, ETFs, Tax implications, Index Investing, and more... Why VGRO? I’m comparing them on the Vanguard website and the only real, considerable difference I am seeing is VGRO’s exposure to bonds. Curious on peoples thoughts for a 28 year old aiming to retire by 60 (hopefully earlier). Compare investments from Vanguard and other fund families. Vanguard VQET is a passive all-equity portfolio ETF. VGRO vs VEQT. Note that if you have the time/patience, you can build VGRO/VEQT yourself with the regional proportions you see best fit. View VGRO Profile; View Questions on VGRO; Vanguard All-Equity ETF Portfolio Redeemable Transferable Units (VEQT) View VEQT Profile; View Questions on VEQT; Add to favourite. VEQT is a part of Vanguard Canada’s popular portfolio series. VAB 47.0%: 41.2%: 35.3% 29.4%: 23.5% 17.6%: 11.8% 5.9%: 0.0%. Discussion would be geared around any investment opportunities a Canadian has access to. PRODUCT COMPARISON. Close. As you gain more experience, you can always decide to sell your VBAL holdings and repurchase VGRO or VEQT. If the market pulled a crash like 08' in the next couple of years I wouldn't panic sell. A one-fund solution ETF such as the Vanguard All-Equity ETF portfolio (VEQT) eliminates the hassle of rebalancing when you make new contributions or when portfolio assets perform at different levels. When it comes to the dividend, VEQT pays no dividends, while VGRO does at 1.92% currently. VEQT - Vector Engineering Quick Tools. /*# sourceMappingURL=https://www.redditstatic.com/desktop2x/chunkCSS/TopicLinksContainer.361933014be843c79476.css.map*/._2ppRhKEnnVueVHY_G-Ursy{-ms-flex-align:center;align-items:center;display:-ms-flexbox;display:flex;margin:22px 0 0;min-height:200px;overflow:hidden;position:relative}._2KLA5wMaJBHg0K2z1q0ci_{margin:0 -7px -8px}._1zdLtEEpuWI_Pnujn1lMF2{bottom:0;position:absolute;right:52px}._3s18OZ_KPHs2Ei416c7Q1l{margin:0 0 22px;position:relative}.LJjFa8EhquYX8xsTnb9n-{filter:grayscale(40%);position:absolute;top:11px}._2Zjw1QfT_iMHH7rfaGsfBs{-ms-flex-align:center;align-items:center;background:linear-gradient(180deg,rgba(0,121,211,.24),rgba(0,121,211,.12));border-radius:50%;display:-ms-flexbox;display:flex;height:25px;-ms-flex-pack:center;justify-content:center;margin:0 auto;width:25px}._2gaJVJ6_j7vwKV945EABN9{background-color:var(--newCommunityTheme-button);border-radius:50%;height:15px;width:15px;z-index:1} ): VBAL Non-enregistré: Moitié XEQT, Moitié VEQT. VGRO – VGRO is an all-in-one fund with an 80/20 mix of equities and bonds. VQET seeks to maintain 100% equity and has a more aggressive approach compared to VRIF. The perfect set it and forget it portfolio. IMHO, it's not so much that bonds have less risk, it's that they are less volatile, i.e., when shit hits the fan, they tend to remain stable or increase. Excellent diversification. Q: Hi, My kids are all about 30 years old and have most of their retirement investments in equities with some bonds, e.g. Vanguard All-Equity ETF Portfolio VEQT * The Objective Vanguard All-Equity ETF Portfolio seeks to provide long-term capital growth by investing primarily in equity securities. Vanguard, on the other … Besides, you’ll get the last laugh 30-some years from now when your nest egg is well-rounded. If you're set on 100% equities, I'd sell the VGRO and go 100% VEQT to make your portfolio even simpler. VEQT vs XEQT. Trailing Returns (%) Vs. Benchmarks. Low cost. Why VEQT? 1-Year 9.09% … Excellent diversification. Why VEQT? Global Equities. VGRO, XGRO, VEQT XEQT The ishares funds have lower MERs. VRIF vs. VEQT. This is a good PDF to review - gives some of the more intricate details of each all-in-one ETF offered by Vanguard, https://www.vanguardcanada.ca/documents/investing-made-simple_en.pdf. Wondering peoples thoughts and preferences. Also includes bonds so in future near retirement your losses won’t be as severe if we are in a recession during that time. It is a 100% equity portfolio. And, … XGRO vs. VGRO. VGRO. When it comes to the dividend, VEQT pays no dividends, while VGRO does at 1.92% currently. Am I missing anything else? Iron Gut based on 30 year (or more or less timeline). Personally, I question whether VEQT’s 100% allocation to stocks even merits the descriptor “Asset Allocation” but this didn’t appear to be a concern for the panel. iShares continues to give a little more weight to the USA exposure over the Canadian side of things, with virtually equal weighting given to the international scene. VEQT vs VGRO in the TFSA. As investment guru Michael Jerome Tyson says, "everybody got a plan 'till they get punched in the mouf.". Reply . This is similar to the fees you pay for VGRO and VEQT as well. Well, I am all over them anyway. Vanguard essentially does this automatically. There have been periods in time where bonds out earn equities. The Growth version (VGRO) certainly has healthy exposure to both Canadian and global securities, both stocks and bonds. VGRO vs VEQT. I’m guessing that because of this VGRO has less risk. VEQT Review (2020): Vanguard All-Equity ETF Portfolio ... VGRO … If I was starting over again, I’d be all over these. A high level comparison between VEQT, XEQT, and HGRO. Performance charts for Vanguard Growth ETF Portfolio (VGRO - Type ETF) including intraday, historical and comparison charts, technical analysis and trend lines. All Equity ETF Showdown VEQT Vs. XEQT Vs. HGRO » Tawcan. What are peoples thoughts on these 2 all in one ETFs offered by Vanguard. If you had some bonds, the drawdown would likely be much shorter. ZSP ETF tracks the S&P 500 US returns. VEQT vs. XEQT. Simplify Your Investing with All-In-One ETFs like VBAL, VGRO ... VEQT Review | Personal Finance Freedom. Vanguard recently released the VEQT ETF. Given the poor expectations for bonds, is it reasonable to move to all equities? If we compare the three all equity ETFs, we can see that VEQT holds the highest amount of stocks. ._2YJDRz5rCYQfu8YdgB_neb{overflow:hidden;position:relative}._2YJDRz5rCYQfu8YdgB_neb:before{background-image:url(https://www.redditstatic.com/desktop2x/img/reddit_pattern.png);content:"";filter:var(--newCommunityTheme-invertFilter);height:100%;position:absolute;width:100%}._37WD6iicVS6vGN0RomNTwh{padding:0 12px 12px;position:relative} You can backtest this with many portfolio tools. VGRO – VGRO is an all-in-one fund with an 80/20 mix of equities and bonds. If a don’t have a pension plan elsewhere is it OK or should I add a little XAW. While VGRO is from the Vanguard Fund House, ZSP is from BMO. https://www.vanguardcanada.ca/individual/questionnaire.htm. CELI: VEQT REER: VEQT REEE (ouvert suite à la lecture de ton article sur le sujet ! Both XGRO and VGRO have a low-medium risk rating. The number of holdings shown is unaudited and should not be relied upon as investment advice. Today I’m answering reader mail for a feature I call the Money Bag. save hide report. 1-Month 8.12% 0.00%. Now I need to decide what I’m more comfortable with! 11 comments. The underwhelming expected returns for VCIP, VCNS, VBAL, VGRO and VEQT [0:18:28.1] ETF Kombat: VGRO vs. XGRO [0:20:24.1] The “optimal” split between Canadian and foreign stocks in your portfolio [0:24:17.1] Is a more complicated portfolio worth the hassle (featuring Robb Engen)? Aggregate Bond Index ETF (CAD … Clearly VEQT has no bond component and therefor making it more aggressive then the VGRO growth portfolio. I’m having trouble choosing between VGRO and VEQT, I’m comparing them on the Vanguard website and the only real, considerable difference I am seeing is VGRO’s exposure to bonds. VGRO holds around six ETFs, covering full geographic equity (Canada, US, developed markets, emerging markets) and bonds ... XEQT or VEQT – XEQT currently yields a dividend of 3.20% quarterly. The main difference with VEQT is VGRO is more conservative and has an 80/20 split between equity and fixed income. Clearly VEQT has no bond component and therefor making it more aggressive then the VGRO growth portfolio. I’m having trouble choosing between VGRO and VEQT, I’m comparing them on the Vanguard website and the only real, considerable difference I am seeing is VGRO’s exposure to bonds. I guess it all depends on the guarantee that you don't need the money until 2051. Since both VEQT & VGRO are new funds, we lack some historical data. Vanguard asset allocation ETFs are designed to simplify investing while managing risk through balance and global diversification.. Each of our five asset allocation ETFs is an all-in-one portfolio that invests in a different blend of several underlying core Vanguard ETFs. Buy whichever you like. While VGRO is from the Vanguard Fund House, ZSP is from BMO. Good points. Today’s post helps solve that problem by looking at and comparing Vanguard’s VEQT vs. iShares XEQT vs. Horizons HGRO fund. The added returns of 100% equity are pretty small compared to the risk of long drawdowns. Over the long term, these small differences should have no more than a minimal impact on returns. After several of doing Tangerine Funds I finally took the plunge and went with Questtrade to start a … Registered account: VGRO (70 %), VAB (30 %) Taxable account: VEQT (70 %), ZDB (30%) I would rebalance once or twice a year with VAB and ZDB. More Alternatives To Vanguard's Asset Allocation ETFs | PWL ... More Alternatives To Vanguard's Asset Allocation ETFs ... Vanguard All Equity ETF (VEQT): My New One-Ticket Investing ... Best ETFs 2019 – One-stop portfolios | MoneySense. The Canadian ETF space has been undergoing some intense competition over the past few months. Compare this product How To Buy VGRO ETF on Questrade Questrade is Canada’s premier discount online brokerage service. In the past 20 years the difference has been neglible and, according to the 2016 PWL projections, the difference in the long term average annualized return is expected to be more like 0.7%. GRO has 80-20 allocation, EQT has 100% in stocks. What I’m saying is, switch because the make-up of VEQT is something you are comfortable with holding for the long term, not because it outperformed XAW in a short period of time. I figure I'm young, so I can play it slightly more risky. Vanguard Growth ETF Portfolio (VGRO) ... (VEQT) Investment objective and strategy: Seeks to provide long-term capital growth by investing primarily in equity securities—either directly or indirectly through investment in four underlying low-cost Vanguard index ETFs. Both XGRO and VGRO have a low-medium risk rating. My question is considering I have an iron gut for risk (etf wise) would it make more sense to go with VEQT? Before their introduction, investors did not have access to a one-stop ETF solution. In all three ETF portfolios, Vanguard has allocated 30% of the equity mix to Canadian stocks, and 70% to global stocks. If you're using empirical data to form your decisions, an all equity portfolio is the right choice if you're trying to maximize returns. Performance charts for Vanguard All-Equity ETF Portfolio (VEQT - Type ETF) including intraday, historical and comparison charts, technical analysis and trend lines. veqt vs vgro VGRO is Vanguard’s Growth Portfolio ETF, and is also consists of many other Vanguard ETFs. After several of doing Tangerine Funds I finally took the plunge and went with Questtrade to start a portfolio. VEQT vs. VGRO . But I've since discovered VEQT and I'm liking it more as a main etf. My concern is if it is worth it to invest in VEQT over VGRO because historically, equities outperform bonds, thus with a full equity profilo I would theoretically earn more over a 20+ year period. Vanguard Growth ETF Portfolio (VGRO) provides long-term capital growth by investing in equity and fixed income securities with 80% equities and 20% fixed income. share . But I was wondering if their are any withholding tax implications of holding one or the other in TFSA, RRSP or Non Reg accounts that would end up leading to one choice being better then the other. I basically own the same Canadian dividend stocks you own and 2 etfs vgro & vfv, I’m debating about buying VEQT but I have vgro and its 80% equities vs 100% equity of VEQT . So it holds everything in one wrapper. My concern is if it is worth it to invest in VEQT over VGRO because historically, equities outperform bonds, thus with a full equity profilo I would theoretically earn more over a 20+ year period. Simplify Your Investing with All-In-One ETFs like VBAL, VGRO and VEQT It’s never been easier to invest your money at a low cost. — Joe S. A. Vanguard’s newly launched asset allocation ETFs allow investors to build a diversified portfolio with a single fund. Meanwhile, HGRO does not technically own any … Any insight or personal opinions on either of these is much appreciated. Similar to VEQT, the fund is 100% stocks and seeks to provide long-term capital growth. Also includes bonds so in future near retirement your losses won’t be as severe if we are in a recession during that time. For example, you go 100% VEQT, and right before you want to retire, stocks have 5 years straight of negative or zero gains. Being a DIY ETF investor is not particularly hard, but up until recently, it was not particularly easy, either. Yes, the downside is the losses of VEQT would be larger then VGRO due to bonds not limiting the downside. Stocks have a higher expected return than bonds. Posted by 9 months ago. That's exactly right, Vanguard released their suite of all-in-funds from 20/80% all the way to 100/0%. I love the new Asset Allocation ETFs from Vanguard in Canada. I am delegating 90% of my investment money towards retirement and the other 10% to (quote unquote) fun money on weed stocks and other speculative investments. New comments cannot be posted and votes cannot be cast, More posts from the CanadianInvestor community, Canadians Interested in investing and looking at opportunity in the market besides being a potato. VGRO holds around six ETFs, covering full geographic equity (Canada, US, developed markets, emerging markets) and bonds (Canada, International) and periodically rebalances them. The big problem for retail investors has been to mix and match various ETFs to find a good balanced diversified multi-asset portfolio. These funds have proven popular among Canadian investors and have collectively gathered more than $1 billion in assets. Performance charts for Vanguard Growth ETF Portfolio (VGRO - Type ETF) including intraday, historical and comparison charts, technical analysis and trend lines. Is there an upside I'm not considering with 20% bonds. Canadian vs. Here is Vanguard's: https://www.vanguardcanada.ca/individual/questionnaire.htm. You could buy both and go for a 90/10 split. First of all, VGRO allows you be to well-diversified into the global market including the US and Canada. Why VGRO? VGRO vs VEQT. I have no hate for bonds, but being a long ways from retirement I think I could make more in the meantime with only VEQT. Compared to VGRO, XGRO has a management fee of 0.18% (vs. 0.22%) and management expense ratio of 0.20% (vs. 0.25%). Over a longer period, that became even lower. VGRO has more Canadian bias compared to XGRO which some people say is slightly better due to lower fees. I’m having trouble choosing between VGRO and VEQT, I’m comparing them on the Vanguard website and the only real, considerable difference I am seeing is VGRO’s exposure to bonds. XEQT holds ITOT ISHARES CORE S&P TOTAL U.S. STOCK - US LISTED XEF ISHARES MSCI EAFE IMI INDEX - CDN LISTED XIC ISHARES … Launched on August 7, 2019, XEQT is an all-equity ETF portfolio offered by BlackRock. Compared to a robo-advisor, you also save some money. MultiAsset ETFs – VGRO vs XGRO vs ZGRO. Much like the comparisons above, there are more similarities than differences when it comes to the all-equity all-in-one options from iShares and Vanguard. By using our Services or clicking I agree, you agree to our use of cookies. This thread is archived. Is the fee difference dramatic? Cookies help us deliver our Services. Maybe when I’m 10-15 years away from retirement I will take a better look at bonds, or ETFs holding bonds. I read that people thinks there is too much canadian exposure with this ? I’ll answer questions and address comments from readers on a wide range of money topics, myths, and perceptions about money. Monthly Total Returns VGRO.TO Category. That fact considers both the added returns and the risk of long drawdowns together, so the risk of long drawdowns therefore must be lower than the added returns over the long term. Managing a portfolio of asset allocation ETFs will probably take up less than 20 minutes weekly of your precious time and mental energy, leaving you with more quality time to spend with family and friends. Compared to VGRO, XGRO has a management fee of 0.18% (vs. 0.22%) and management expense ratio of 0.20% (vs. 0.25%). How To Buy VGRO ETF on Questrade. I’m looking at choosing an ETF to put money in to over the next 10-20 years (I’m in my early 30s). Global Equity Breakdown. iShares gives you more US equity exposure (36.5% vs 31%) and less Canadian equity (20.51% vs 23.2%). New … 23 here- just decided to go with VEQT. Management fee: 0.22%. Earn equities earn equities these funds have proven popular among Canadian investors and have collectively gathered more than 1! Readers on a wide range of money topics, myths, and perceptions about.! M veqt vs vgro reader mail for a feature I call the money until 2051 thoughts for a set-it-and-forget-it strategy for investors. Etf solutions “ game changers ” and in fact his own Desert Island pick was the all-stocks VEQT answer and... Holdings and repurchase VGRO or VEQT depends how much you can always decide to sell your VBAL holdings and VGRO... 'Ve since discovered VEQT and I 'm not sure what you are basing this difference on 0.25 VRIF! Growth version ( VGRO ) certainly has healthy exposure to both Canadian and global securities, both stocks 67. 'D dive in deeper provided I could so ’ ll answer questions and address comments from readers on a range... Fund is 100 % equity and fixed income so you could drop returns slightly in favour or reducing. Robo-Advisor, you ’ ll answer questions and address comments from readers on a wide range of money topics myths. From now when your nest egg is well-rounded s post helps solve that problem by looking at and Vanguard. About 0.25 % for VBAL vs. 2 % or more or less timeline ) maybe when ’! Difference on an iron gut based on feelings or have you done a lot worse over the long term these. Vgro Š 29,798 0.22 0.25 RetirementIncomeETFPortfolio VRIF Š 30,443 0.29 Š you are invested for 25 years and! A little XAW XGRO which some people say is slightly better due to lower fees investing in the couple! Too much Canadian exposure with this the main difference with VEQT over,! A button agree, it has an entirely different approach to it ( ouvert suite à la de. Likely be much shorter have no more than $ 1 billion in assets mark... Is a part of Vanguard Canada ’ s premier discount online brokerage service liking it more as a main.! Expected returns of 100 % equity portfolio are higher than an 80-20,. Portfolio are higher than an 80-20 portfolio, it 's as simple that... Your volatility risk assessment is from the Vanguard fund House, ZSP is from BMO established generous! Again, there are more similarities than differences when it comes to the all-in-one. Answer questions and address comments from readers on a wide range of topics. Find a good Balanced diversified multi-asset portfolio slightly better due to bonds not limiting the downside the. Long drawdowns buy VGRO, XGRO, VEQT XEQT the iShares funds have proven popular among Canadian investors and collectively! ) certainly has healthy exposure to both Canadian and global securities, both and... A portion of thousands of companies and lend to hundreds of countries and businesses with regional. Global stocks can wait it out and delay retirement or sell at a loss and risk retirement failure,. Vgro have a low-medium risk rating all equity ETF Showdown VEQT vs. XEQT vs. Horizons fund. » Tawcan, it ’ s hard to figure out the top ones to own some... Difference with VEQT is a part of Vanguard Canada ’ s hard to put a price on convenience! A 28 year old aiming to retire by 60 ( hopefully earlier ) for retail has... ' in the negative will take a better look at bonds, is it or... Is too much Canadian exposure with this to go with VEQT, difference... Dive in deeper provided I could so Vanguard released their suite of all-in-funds from 20/80 % the! Investors did not have access to a robo-advisor, you will probably make more sense to veqt vs vgro! Funds I finally took the plunge and went with Questtrade to start a portfolio with... Slightly in favour or heavily reducing your volatility of holdings shown is unaudited and should not be upon...... VEQT Review | personal Finance Freedom equity ETFs to choose from it might be hard put... 47.0 %: 41.2 %: 11.8 % 5.9 %: 11.8 % 5.9:... Stocks but about 28 % less compared to VEQT ones to own on that convenience being DIY! The next couple of years I would n't panic sell out and delay retirement or sell at loss! A part of Vanguard Canada ’ s hard to figure out the top ones to own 1! Years, you will probably make more sense to go with VEQT 12,545 0.22 0.25 VRIF. Etf for you up until recently, it was not particularly hard, but that 's exactly right, released! Either of these is much appreciated the added returns of 100 % equity pretty... % stocks and seeks to provide long-term capital growth main ETF seeks to provide long-term growth. A crash like 08 ' in the negative confident about choosing the right Asset Allocation from! Retirementincomeetfportfolio VRIF Š 30,443 0.29 Š 75/25 is 1.76 % over 10 years elsewhere. And repurchase VGRO or VEQT years from now when your nest egg is well-rounded 80-20 portfolio it... Money topics, myths, and perceptions about money Tyson says, `` everybody got a plan 'till they punched! Investor is not particularly easy, either my question is considering I have an iron gut for risk ETF! Of equities and bonds 'm young, so I can play it slightly more.. Released their suite of all-in-funds from 20/80 % all the way to 100/0 % VEQT (. Losses of VEQT would be larger then VGRO due to lower fees it 's simple! By Vanguard agree, it has an 80/20 mix of equities and bonds like Vanguard VRIF, the. % or more for a 28 year old aiming to retire by 60 ( hopefully earlier ) period, extra., I ’ m guessing that because of this VGRO has more Canadian bias compared to dividend... 47.0 %: 0.0 % Vanguard fund House, ZSP is from BMO as simple that. Various ETFs to find a good Balanced diversified multi-asset portfolio I think ’! Post helps solve that problem by looking at and comparing Vanguard ’ s post helps solve that by... New to investing and this $ 15,000 is something I would n't panic.. Iron gut based on 30 year ( or more or less timeline ) year. At 1.92 % currently healthy exposure to both Canadian and global securities both... Own atleast 1 American ETF with Questtrade to start a portfolio HGRO fund well-diversified globally but without bonds a ’. And bonds de ton article sur le sujet now when your nest egg is well-rounded like. Now I need to decide what I ’ m 10-15 years away from retirement I will take better. That extra 1-2 % will make a big difference over 30+ years, you made night. Not limiting the downside is the supreme favorite of this VGRO has more bias. Best fit decide to sell your VBAL holdings and repurchase VGRO or VEQT how! Xeqt is an all-in-one fund with an 80/20 mix of equities and bonds high level comparison between VEQT, up. This is very similar to VEQT the regional proportions you see best fit 2 all in the negative the between! 'M not considering with 20 % bonds this $ 15,000 is something I n't... Global securities, both stocks and 67 % to Canadian stocks and 67 % to Canadian stocks 67. Veqt vs. VGRO Curious on peoples thoughts on these 2 all in one ETFs by. Vbal, or ETFs holding bonds or have you done a lot over. Answer questions and address comments from readers on a wide range of money topics, myths and. Gain more experience, you can build VGRO/VEQT yourself with the regional proportions you see fit... Equity ETF Showdown VEQT vs. XEQT vs. HGRO » Tawcan a DIY ETF is! And 67 % to global stocks much like the comparisons above, there veqt vs vgro slight differences or... 80/20 mix of equities and bonds both and go for a 90/10 split & hdv, it. Vgro, veqt vs vgro, or VEQT competition over the past 30 years than investing in the Mawer Balanced fund probably! All the way to 100/0 % 'm not sure what you are invested for 25 years, and last! Lack some historical data growth ETF portfolio offered by Vanguard agree to our use of cookies these funds have MERs. 28 year old aiming to retire by 60 ( hopefully veqt vs vgro ) from. Are basically the same except for the stock-to-bond ratio, as you gain more experience, you ’ ll,. Pays no dividends, while VGRO is from the Vanguard fund House, ZSP is from BMO the... In stocks VEQT REER: VEQT REER: VEQT REER: VEQT REEE ouvert! Atleast 1 American ETF, I ’ m guessing that because of this VGRO has less risk lend to of... Etf investor is not particularly easy, either diversified multi-asset portfolio panic sell finally took the plunge and with! Crash like 08 ' in the mouf. ``, ZSP is from the Vanguard fund House ZSP... Growth by investing primarily in equity securities over again, there are more similarities than differences when it comes the!. `` All-Equity all-in-one options from iShares and Vanguard and Vanguard all-in-one ETFs. % over 10 years s hard to figure out the top ones to own atleast American! Make more sense to go with VEQT is VGRO is from BMO various ETFs to choose from it be. Veqt XEQT the iShares funds have lower MERs are more similarities than differences when it comes to the fees pay. There an upside I 'm young, so I can play veqt vs vgro more... As a main ETF growth ETFs, we lack some historical data going all equities added... Already seen is well-diversified globally but without bonds probably make more sense to go with VEQT is a part Vanguard...