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Opinions Richard Orrell
Vanguard All-Equity ETF Portfolio ETFVEQT.TOBUYAug 14, 2026
Richard OrrellStock price when the opinion was issued
As of Aug 21, 2026. Market Open.
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Both are good options as building blocks in a portfolio. Vanguard's always been low cost and in tune with what the market's doing. He holds some in client portfolios. Know that it's 100% equity -- US, Canada, and other markets. VEQT won't have as high a dividend as VDY.
Richard OrrellExcellent option for exposure to equities. Vanguard products very good, with low expenses. A great way to invest, and leave "alone" for 10 years. No bonds (dividend yield), but great option.
Mike PhilbrickBilly Kawasaki’s Insights - Picks from 5i Research. A fund that is all equity so there is some market risk. It is large and liquid, offering a global exposure. 40% of assets are in the US, with 29% in Canada. There is no dividend withholding tax if in an RRSP. Unlock Premium - Try 5i Free
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This question really goes to timeline and the age of the beneficiary. If you need the $$ back in a year, he's taking no risk and basically putting it under the mattress ;) For 1-2 years, he'd put it in very safe fixed income. For 3 years, starting to get into balanced growth (perhaps 60/40).
Anything beyond 3-5 years, he's looking at a lot of equity in a portfolio. And usually with RESPs, you're contributing along the way. Look at a single-fund solution like VEQT (100 equity), then move to VGRO (80/20), and finally VBAL (60/40).
RESPs are really about saving, and continuing to save. You know how much you think you might need ($20-24k a year), and you just have to get yourself there.