What is it?


ETFs (exchange-traded funds) ​​are baskets filled with equity and / or fixed income securities. ETFs can also be filled with other ETFs.


Asset-allocation ETFs are filled with index ETFs. 'Index' means the ETF represents the entire market for a particular fixed income / equity security (like all Canadian bonds or US equities).

  • You can't buy an index - it's just a list of securities.


Buying individual securities is risky. Buying a basket of them through ETFs reduces investment risk. Index ETFs reduce risk even more because they hold every security in their market.  This is diversification.


​​An asset-allocation ETF holds 6-10 individual index ETFs, in proportions that reflect your asset mix. 

You'll buy just one asset-allocation ETF to fill your portfolio.

What's it like to invest

​​Once you have a plan, open an online broker account.

  • While you're opening an account, your provider may ask you to complete a questionnaire to determine your level of investing expertise - it's part of getting to know you as a client.

​Once the account is open, you'll buy shares of your asset-allocation ETF.​

Don't stop saving. Follow your budget - when you've saved some money, transfer it to your online broker account and buy additional shares of your ETF. 


Check your account once a year.

  • Is your ETF performing well?
  • What fees are you paying?
  • Is this approach still right for you?

​​​Are you cashing out / changing providers?  Learn to close investment accounts.​​

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asset-allocation ETF

​​​Research and choose an online broker - you'll use it to buy your ETF.

Use our research tables to choose a broker.

​​Research and choose an asset-allocation ETF that matches your asset mix.

Use our research tables.

You're a do-it-yourself investor - you'll have to choose your own asset mix.

Are you a conservative or an aggressive investor?

​What's an asset mix?

Own your investments, step-by-step.