{"id":49025,"date":"2019-03-18T10:01:25","date_gmt":"2019-03-18T10:01:25","guid":{"rendered":"https:\/\/stockchase.com\/discover\/?p=49025"},"modified":"2019-03-19T01:51:59","modified_gmt":"2019-03-19T01:51:59","slug":"all-in-one-etfs-low-cost-investing","status":"publish","type":"post","link":"https:\/\/stockchase.com\/discover\/all-in-one-etfs-low-cost-investing\/","title":{"rendered":"All-In-One ETFs: The Solution for Simple, Virtually Hands-Off, Low-Cost Investing"},"content":{"rendered":"<p>All-in-one diversified ETF portfolios are becoming more available, as all three of the largest exchange-traded-fund providers (<a href=\"https:\/\/investor.vanguard.com\/etf\/list#\/etf\/asset-class\/month-end-returns\" target=\"_blank\" rel=\"noopener\">Vanguard<\/a>, <a href=\"https:\/\/www.blackrock.com\/ca\/individual\/en\/products\/product-list#!type=iSharesETFCA&amp;tab=overview&amp;view=list\" target=\"_blank\" rel=\"noopener\">BlackRock\/iShares<\/a> and <a href=\"https:\/\/www.bmo.com\/etfs\/every-investment-objective\/index.html\" target=\"_blank\" rel=\"noopener\">BMO<\/a>) have launched them in the past year.<\/p>\n<p><span class=\"highlight\">They are an excellent way for investors to own a complete portfolio that is diversified while keeping it simple.<\/span><\/p>\n<p>If you want to dig further into All-in-One ETFs, MillionDollarJourney has a detailed comparison of <a title=\"title=\" href=\"https:\/\/www.milliondollarjourney.com\/all-in-one-etfs-battle-vanguard-vs-ishares-vs-bmo.htm\" target=\"_blank\" rel=\"noopener\">Vanguard vs iShares vs BMO<\/a>.<\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_82_2 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Discover What&#039;s Inside<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 eztoc-toggle-hide-by-default' ><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/stockchase.com\/discover\/all-in-one-etfs-low-cost-investing\/#All-in-one_ETFs_composition\" >All-in-one ETFs composition<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/stockchase.com\/discover\/all-in-one-etfs-low-cost-investing\/#All-in-one_ETFs_pros\" >All-in-one ETFs pros<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/stockchase.com\/discover\/all-in-one-etfs-low-cost-investing\/#All-in-one_ETFs_cons\" >All-in-one ETFs cons<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/stockchase.com\/discover\/all-in-one-etfs-low-cost-investing\/#More_about_All-in-one_ETFs\" >More about All-in-one ETFs<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/stockchase.com\/discover\/all-in-one-etfs-low-cost-investing\/#All-in-one_ETFs_on_Stockchase\" >All-in-one ETFs on Stockchase<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/stockchase.com\/discover\/all-in-one-etfs-low-cost-investing\/#All-in-one_100_Equity_ETF\" >All-in-one 100% Equity ETF<\/a><\/li><\/ul><\/nav><\/div>\n<h3><span class=\"ez-toc-section\" id=\"All-in-one_ETFs_composition\"><\/span>All-in-one ETFs composition<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>These ETFs include a batch of global stocks and bonds which are available to anyone with a <a title=\"Questrade Canadian Brokerage Account\" href=\"https:\/\/stockchase.com\/discover\/questrade-trading-review\/\">brokerage account<\/a>. This is great for those who don\u2019t want to chose individual stocks or sectors, and want a <a title=\"Questrade Low Fee Brokerage\" href=\"https:\/\/stockchase.com\/discover\/questrade-trading-review\/\">low fee<\/a>.<\/p>\n<p>The composition of each of these all-in-on ETFs vary, with funds allocated anywhere between 20%-80% in stocks and the rest in bonds, so you can chose the right one depending on your risk tolerance. Additionally, all the funds offered by Vanguard have the same components but in varying proportions of stocks to bonds. BMO and iShare vary in specific holdings, but are similar in their approach. These funds includes Canadian, U.S. and overseas securities in varying proportions.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"All-in-one_ETFs_pros\"><\/span>All-in-one ETFs pros<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span class=\"highlight\">The simplicity that an all-in-one portfolio brings is a major upside to these funds.<\/span><\/p>\n<p>Furthermore, this will reduce some administrative fees and tasks, such as reducing the number of trades, and rebalancing holdings. The fees are relatively low, and make for an easy option for those looking for a simple solution. The management fees range anywhere from 0.18% &#8211; 0.22%. This makes them an attractive low-fee investment options, contrary to traditional mutual funds.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"All-in-one_ETFs_cons\"><\/span>All-in-one ETFs cons<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>One thing to look out for with these ETFs is that if you have a larger portfolio, you might need more flexibility. Furthermore, these funds have a significant amount of fixed income that, if you hold these securities in a taxable accounts, may not be tax-efficient. Last year, XGRO had significant capital gains of 6.84% which would be taxed if you don\u2019t hold it in a TFSA or RRSP.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"More_about_All-in-one_ETFs\"><\/span>More about All-in-one ETFs<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><a href=\"https:\/\/canadiancouchpotato.com\" target=\"_blank\" rel=\"noopener\">Canadian Couch Potato<\/a> has a couple articles on <a href=\"https:\/\/canadiancouchpotato.com\/2018\/12\/24\/ishares-launches-all-in-one-etf-portfolios\/\" target=\"_blank\" rel=\"noopener\">iShares all-in-one ETF portfolios<\/a> and <a href=\"https:\/\/canadiancouchpotato.com\/2018\/02\/05\/vanguards-one-fund-solution\/\" target=\"_blank\" rel=\"noopener\">Vanguards one fund solution<\/a>. A further side-by-side comparison was published by The Globe and Mail in an article about <a href=\"https:\/\/www.theglobeandmail.com\/investing\/markets\/etfs\/article-these-balanced-fund-etfs-will-help-you-build-a-well-diversified\/\" target=\"_blank\" rel=\"noopener\">balanced fund ETFs and diversification<\/a>.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"All-in-one_ETFs_on_Stockchase\"><\/span>All-in-one ETFs on Stockchase<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>There are 5 all-in-one ETFs that have been reviewed by stock experts on Stockchase. 4 from Vanguard and 1 from iShares. Here are the all-in-one diversified ETFs with expert opinions on Stockchase&#8230;<\/p>\n<p><a href=\"https:\/\/stockchase.com\/company\/view\/5979\/VCIP-T\">Vanguard Conservative Income ETF (VCIP-T)<\/a><\/p>\n<div class=\" content_cards_card content_cards_domain_stockchase-com\">\n\t\t\t<div class=\"content_cards_image\">\n\t\t\t\t<a class=\"content_cards_image_link\" href=\"https:\/\/stockchase.com\/company\/view\/5979\/VCIP-T\">\n\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/data.wealthica.com\/api\/securities\/VCIP-T\/logo?default=https:\/\/stockchase.com\/assets\/no_logo.png\" alt=\" Vanguard Conservative Income ETF (VCIP-T) \u2014 Stockchase\">\t\t\t\t<\/a>\n\t\t<\/div>\n\t\n\t<div class=\"content_cards_title\">\n\t\t<a class=\"content_cards_title_link\" href=\"https:\/\/stockchase.com\/company\/view\/5979\/VCIP-T\">\n\t\t\t Vanguard Conservative Income ETF (VCIP-T) \u2014 Stockchase\t\t<\/a>\n\t<\/div>\n\t<div class=\"content_cards_description\">\n\t\t<a class=\"content_cards_description_link\" href=\"https:\/\/stockchase.com\/company\/view\/5979\/VCIP-T\">\n\t\t\t<p>Opinion about VCIP-T: He likes Vanguard and this is a good product. But if you're going to conservative in a low interest-rate environment, you won't make (or lose) much money. That's a caveat.<\/p>\n\t\t<\/a>\n\t<\/div>\n\t<div class=\"content_cards_site_name\">\n\t\t<img decoding=\"async\" src=\"https:\/\/stockchase.com\/assets\/favicon.png\" alt=\"stockchase.com\" class=\"content_cards_favicon\"\/>\t\tstockchase.com\t<\/div>\n<\/div>\n<p><a href=\"https:\/\/stockchase.com\/company\/view\/5779\/VCNS-T\">Vanguard Conservative ETF Portfolio (VCNS-T)<\/a><\/p>\n<div class=\" content_cards_card content_cards_domain_stockchase-com\">\n\t\t\t<div class=\"content_cards_image\">\n\t\t\t\t<a class=\"content_cards_image_link\" href=\"https:\/\/stockchase.com\/company\/view\/5779\/VCNS-T\">\n\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/data.wealthica.com\/api\/securities\/VCNS-T\/logo?default=https:\/\/stockchase.com\/assets\/no_logo.png\" alt=\"Vanguard Conservative ETF Portfolio (VCNS-T) \u2014 Stockchase\">\t\t\t\t<\/a>\n\t\t<\/div>\n\t\n\t<div class=\"content_cards_title\">\n\t\t<a class=\"content_cards_title_link\" href=\"https:\/\/stockchase.com\/company\/view\/5779\/VCNS-T\">\n\t\t\tVanguard Conservative ETF Portfolio (VCNS-T) \u2014 Stockchase\t\t<\/a>\n\t<\/div>\n\t<div class=\"content_cards_description\">\n\t\t<a class=\"content_cards_description_link\" href=\"https:\/\/stockchase.com\/company\/view\/5779\/VCNS-T\">\n\t\t\t<p>Opinion about VCNS-T: You need a higher return than a bond is going to give you today to keep up with inflation and grow your savings. Alternative ETFs such as ZWU, VCNS, ZWB, ZWC, and PJAN are what's needed to protect your portfolio, rather than conventional bonds.\u00a0These are what you need to generate the income&hellip;<\/p>\n\t\t<\/a>\n\t<\/div>\n\t<div class=\"content_cards_site_name\">\n\t\t<img decoding=\"async\" src=\"https:\/\/stockchase.com\/assets\/favicon.png\" alt=\"stockchase.com\" class=\"content_cards_favicon\"\/>\t\tstockchase.com\t<\/div>\n<\/div>\n<p><a href=\"https:\/\/stockchase.com\/company\/view\/5714\/VBAL-T\">Vanguard Balanced ETF Portfolio (VBAL-T)<\/a><\/p>\n<div class=\" content_cards_card content_cards_domain_stockchase-com\">\n\t\t\t<div class=\"content_cards_image\">\n\t\t\t\t<a class=\"content_cards_image_link\" href=\"https:\/\/stockchase.com\/company\/view\/5714\/VBAL-T\">\n\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/data.wealthica.com\/api\/securities\/VBAL-T\/logo?default=https:\/\/stockchase.com\/assets\/no_logo.png\" alt=\"Vanguard Balanced ETF Portfolio (VBAL-T) \u2014 Stockchase\">\t\t\t\t<\/a>\n\t\t<\/div>\n\t\n\t<div class=\"content_cards_title\">\n\t\t<a class=\"content_cards_title_link\" href=\"https:\/\/stockchase.com\/company\/view\/5714\/VBAL-T\">\n\t\t\tVanguard Balanced ETF Portfolio (VBAL-T) \u2014 Stockchase\t\t<\/a>\n\t<\/div>\n\t<div class=\"content_cards_description\">\n\t\t<a class=\"content_cards_description_link\" href=\"https:\/\/stockchase.com\/company\/view\/5714\/VBAL-T\">\n\t\t\t<p>Opinion about VBAL-T: It gives you a 60\/40 portfolio and it rebalances for you every few quarters. It's exposed to Canadian and international bonds as well as stocks. It's not a nice vehicle for the average investor looking for a passive solution to markets. Though not the best solution, it is cheap. The problem is&hellip;<\/p>\n\t\t<\/a>\n\t<\/div>\n\t<div class=\"content_cards_site_name\">\n\t\t<img decoding=\"async\" src=\"https:\/\/stockchase.com\/assets\/favicon.png\" alt=\"stockchase.com\" class=\"content_cards_favicon\"\/>\t\tstockchase.com\t<\/div>\n<\/div>\n<p><a href=\"https:\/\/stockchase.com\/company\/view\/5706\/VGRO-T\">Vanguard Growth ETF Portfolio (VGRO-T)<\/a><\/p>\n<div class=\" content_cards_card content_cards_domain_stockchase-com\">\n\t\t\t<div class=\"content_cards_image\">\n\t\t\t\t<a class=\"content_cards_image_link\" href=\"https:\/\/stockchase.com\/company\/view\/5706\/VGRO-T\">\n\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/data.wealthica.com\/api\/securities\/VGRO-T\/logo?default=https:\/\/stockchase.com\/assets\/no_logo.png\" alt=\"Vanguard Growth ETF Portfolio (VGRO-T) \u2014 Stockchase\">\t\t\t\t<\/a>\n\t\t<\/div>\n\t\n\t<div class=\"content_cards_title\">\n\t\t<a class=\"content_cards_title_link\" href=\"https:\/\/stockchase.com\/company\/view\/5706\/VGRO-T\">\n\t\t\tVanguard Growth ETF Portfolio (VGRO-T) \u2014 Stockchase\t\t<\/a>\n\t<\/div>\n\t<div class=\"content_cards_description\">\n\t\t<a class=\"content_cards_description_link\" href=\"https:\/\/stockchase.com\/company\/view\/5706\/VGRO-T\">\n\t\t\t<p>Opinion about VGRO-T: 80% equity, 20% fixed income. Great for the average investor. The one you want when you're bullish on equities. When you're defensive, you go into the balanced or conservative version which brings you down to 60\/40 or 40\/60 equities to bonds.Right now, way too early to be bullish on equities. At some&hellip;<\/p>\n\t\t<\/a>\n\t<\/div>\n\t<div class=\"content_cards_site_name\">\n\t\t<img decoding=\"async\" src=\"https:\/\/stockchase.com\/assets\/favicon.png\" alt=\"stockchase.com\" class=\"content_cards_favicon\"\/>\t\tstockchase.com\t<\/div>\n<\/div>\n<p><a href=\"https:\/\/stockchase.com\/company\/view\/5972\/XBAL-T\">iShares Core Bal. ETF (XBAL-T)<\/a><\/p>\n<div class=\" content_cards_card content_cards_domain_stockchase-com\">\n\t\t\t<div class=\"content_cards_image\">\n\t\t\t\t<a class=\"content_cards_image_link\" href=\"https:\/\/stockchase.com\/company\/view\/5972\/XBAL-T\">\n\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/data.wealthica.com\/api\/securities\/XBAL-T\/logo?default=https:\/\/stockchase.com\/assets\/no_logo.png\" alt=\"iShares Core Bal. ETF (XBAL-T) \u2014 Stockchase\">\t\t\t\t<\/a>\n\t\t<\/div>\n\t\n\t<div class=\"content_cards_title\">\n\t\t<a class=\"content_cards_title_link\" href=\"https:\/\/stockchase.com\/company\/view\/5972\/XBAL-T\">\n\t\t\tiShares Core Bal. ETF (XBAL-T) \u2014 Stockchase\t\t<\/a>\n\t<\/div>\n\t<div class=\"content_cards_description\">\n\t\t<a class=\"content_cards_description_link\" href=\"https:\/\/stockchase.com\/company\/view\/5972\/XBAL-T\">\n\t\t\t<p>Opinion about XBAL-T: Balanced ETFs for a long-term hold? VBAL and XBAL are great, one-stop shops for smaller accounts. Leave it and forget it. Typically has about 40% fixed income, which would have had a tough run up till about a year ago.\u00a0VBAL costs about 25 bps for the MER, XBAL costs about 20 bps.&hellip;<\/p>\n\t\t<\/a>\n\t<\/div>\n\t<div class=\"content_cards_site_name\">\n\t\t<img decoding=\"async\" src=\"https:\/\/stockchase.com\/assets\/favicon.png\" alt=\"stockchase.com\" class=\"content_cards_favicon\"\/>\t\tstockchase.com\t<\/div>\n<\/div>\n<h3><span class=\"ez-toc-section\" id=\"All-in-one_100_Equity_ETF\"><\/span>All-in-one 100% Equity ETF<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>If you have a profile that justifies having no bonds in your portfolio, you might want to have a look at Vanguard&#8217;s VEQ-T which is an ETF that holds other ETFs. It&#8217;s an <a href=\"https:\/\/www.milliondollarjourney.com\/vanguard-veqt-all-in-one-100-equity-portfolio-etf.htm\" target=\"_blank\" rel=\"noopener\">All-in-One 100% Equity Portfolio ETF<\/a> offering a strong geographical diversification (Canada &#8211; US &#8211; International and Emerging Markets).<\/p>\n<p>These new All-In-One ETFs, combined with <a title=\"Questrade Review - Commission-Free ETFs Purchase\" href=\"https:\/\/stockchase.com\/discover\/questrade-trading-review\/#top-10-reasons-why-I-use-questrade\">Commission-Free ETFs purchases<\/a>, are the best way to start investing quickly and build a strong low-cost portfolio.<\/p>\n<p>Do you know other interesting all-in-one ETFs?<\/p>\n","protected":false},"excerpt":{"rendered":"<p>All-in-one diversified ETF portfolios are becoming more available, as all three of the largest exchange-traded-fund providers (Vanguard, BlackRock\/iShares and BMO) have launched them in the past year. They are an excellent way for investors to own a complete portfolio that [&hellip;]<\/p>\n","protected":false},"author":9,"featured_media":49505,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"cwp_meta_box_check":"No","cwp_rev_product_name":"","cwp_rev_product_image":"","wppr_links":[],"cwp_rev_price":"","wppr_options":[],"wppr_pros":[],"wppr_cons":[],"footnotes":""},"categories":[17],"tags":[91,15],"class_list":["post-49025","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-lists","tag-all-in-one-etfs","tag-etfs"],"wppr_data":{"cwp_meta_box_check":"No"},"_links":{"self":[{"href":"https:\/\/stockchase.com\/discover\/wp-json\/wp\/v2\/posts\/49025","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/stockchase.com\/discover\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/stockchase.com\/discover\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/stockchase.com\/discover\/wp-json\/wp\/v2\/users\/9"}],"replies":[{"embeddable":true,"href":"https:\/\/stockchase.com\/discover\/wp-json\/wp\/v2\/comments?post=49025"}],"version-history":[{"count":0,"href":"https:\/\/stockchase.com\/discover\/wp-json\/wp\/v2\/posts\/49025\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/stockchase.com\/discover\/wp-json\/wp\/v2\/media\/49505"}],"wp:attachment":[{"href":"https:\/\/stockchase.com\/discover\/wp-json\/wp\/v2\/media?parent=49025"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/stockchase.com\/discover\/wp-json\/wp\/v2\/categories?post=49025"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/stockchase.com\/discover\/wp-json\/wp\/v2\/tags?post=49025"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}