This includes solicitation of referrals, posting your own blog, video channel or personal website, and recommendations for users to do business with you. Performance charts for Vanguard Growth ETF Portfolio (VGRO - Type ETF) including intraday, historical and comparison charts, technical analysis and trend lines. Can someone explain why VGRO is much more popular than XGRO? This is because, as I explain in my other comment, there are people who can make an immediate and risk-free profit from any deviation. Find the latest VANGUARD ALL EQUITY ETF PORTFOL (VEQT.TO) stock quote, history, news and other vital information to help you with your stock trading and investing. Important information. Meta 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. And, as I’ll show you in my more detailed take, even if you switch to and perfectly execut… That's going to be the main determination (assuming that this is money meant for the long term, etc...). Best Mutual Fund/ETF to stick your TFSA into and forget for 20 years? While VGRO is from the Vanguard Fund House, ZSP is from BMO. We will evaluate if your topic is suitable for the subreddit and will set a date to avoid conflicts. and join one of thousands of communities. 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. All-in-one diversified portfolios. A good answer will be supported by relevant and reliable sources. If you bought the ETF at a price exceeding the asset value, then you end up with a loss. Source: CRSP and FTSE Index Fact Sheets as of December 31, 2017 . Jobs where you can work like a dog for 6 months and then take 6 months off (or things like that)? Taxes After several of doing Tangerine Funds I finally took the plunge and went with Questtrade to start a … Even if you could handle a riskier portfolio, you still aren't doing wrong by holding 40 % bonds and keeping fees down. Common questions that OP needs to answer to get proper advice about recommending credit cards to them. This is because Vanguard is constantly creating and destroying units of the ETF to ensure that its price remains in line with the value of the underlying assets. When it comes to the dividend, VEQT pays no dividends, while VGRO does at 1.92% currently. And the market tends to be most volatile in the first few minutes after opening and in the last few minutes before closing. 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. veqt vs. vgro Curious on peoples thoughts for a 28 year old aiming to retire by 60 (hopefully earlier). Hello friends! So there is a thing called the 'net asset value' (NAV) that is calculated once daily after markets close. Also VGRO, VEQT, and VBAL use professional traders that probably collaborate closely with market makers / authorized participants. If you're not actually answering the question, then make sure your comment looks like a question. I actually didn't realized the FI component on VGRO was as high as it is, at least according to the latest fact sheet I just went through... New comments cannot be posted and votes cannot be cast, More posts from the PersonalFinanceCanada community, Continue browsing in r/PersonalFinanceCanada, Looks like you're using new Reddit on an old browser. As you use the questionnaire, keep the following limitations in mind: The sample asset allocations within the questionnaire depend on subjective factors such as your risk tolerance and financial situation. Retirement https://www.vanguardcanada.ca/individual/questionnaire.htm, https://www.advisor.ca/my-practice/conversations/evaluating-risk-tolerance-a-sample-questionnaire/, https://www.sunlife.ca/canada/v/index.jsp?vgnextoid=91710f5b442a9310VgnVCM1000009c80d09fRCRD&vgnextfmt=default&vgnLocale=en_CA. 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. So, you'll likely end up on the wrong side of all of your trades. I'm 27, make about 47,000/yr, paying pension, and have saved up 75K since I've been working.I've reached my "hard cash limit" (which is an arbitrary amount that can be put towards schooling, or a down payment) The fact that you can set up a PreAuthorized Contribution plan for the XGRO/XBAL/etc at several brokerages like Questrade and you can't set up a similar thing for VGRO/etc is a big benefit for the X series of all-in-one ETFs. [–]TrackInternational51[S] 0 points1 point2 points 2 months ago (2 children). InvestingVGRO better long-term returns than VEQT? If you have heard or read something which might be related to the question, and you want to check it, then make sure you ask it as a question. So it's more well known. On the other hand, some people might not like that the X series have a somewhat higher weighting to US stocks given valuations. Therefore, it is crucial to ensure your investments are risk appropriate, that is: their level of risk matches your financial objectives. Exceeded my TFSA contribution limit this year...Advice? In 2019 the closing price was always within 0.25% of the NAV. Our full product list view provides financial advisors with performance details and investment information for our complete lineup of … [–]Kassul42 0 points1 point2 points 2 months ago (0 children). You can own a portion of thousands of companies and lend to hundreds of countries and businesses with the click of a button. And these other ETFs already had a pre-authorized plan available and the plan was kept after the conversion. A level 5 Northern Barrens Quest. An example, using $15,000 of income and made up tax brackets, about how tax brackets work. Could there be (have there been) times where its value deviates a lot from NAV? Employment (self.PersonalFinanceCanada), submitted 2 months ago by TrackInternational51. VGRO has more Canadian bias compared to XGRO which some people say is slightly better due to lower fees. VGRO has a management fee of 0.22% and the MER is 0.25%. Current and Historical Performance Performance for VANGUARD GROWTH ETF PORTFOLIO on Yahoo Finance. Comments suggesting that sharing financial information in a personal finance subreddit is a "humblebrag" will be removed. They also have the added benefit of having all this in one simple package that automatically rebalances itself, rather than having multiple ETFs to achieve the same goal. VGRO vs. ZSP. I think you’ll agree, it’s hard to put a price on that convenience. Be realistic with yourself, and take a risk questionniare. From the point of view of an ordinary investor, there should never be much deviation for a popular ETF. Risk Level represents the probability of your investment losing a portion of its value. Wondering peoples thoughts and preferences. Answers that link only to your personal blog or website are considered low-quality and may be removed at the moderators' discretion. Seems bizarre to me that they would have for the old, not that popular ETFs but then not do it for XEQT. 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 % Housing Whether you end up getting a higher return remains to be seen, but it sounds to me like your tolerance is suited to 100% equity and you want to chase the highest possible returns, so do it. Vanguard says the Canadian bias lowers volatility. Keep disagreements polite. 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). Press question mark to learn the rest of the keyboard shortcuts. Hi, I'm a bot and someone has asked me to respond with information about risk tolerance. VGRO Fees. Misc The risk level is not always easy to determine. They track solid indexes, are globally diversified, have low fees, and are passively managed. Be inquisitive, and clear if you are unsure. You can't for Blackrock's other all in one ETFs. There are no VGRO or VEQT equivalents in the plan, just higher cost target retirement funds and a single Blackrock low cost 60/40 index solution, along with unappealing single asset class funds. It does this by giving certain “authorized participants” the right to exchange ETF units for the underlying assets and vice versa. Whether to buy VGRO, VBAL, or VEQT depends how much you can stomach when the equities fall. It will then sell the units to ordinary investors like you, making a risk-free profit for itself. That's the 'net asset value' of the underlying holdings and is the basis for what the stock *should* be worth. Step by step guide of what to prioritize / what to do with money. The topic of "personal finance" includes budgeting, goal planning, taxation, saving, investing, banking, credit cards, insurance products, life event planning, major purchase advice, unique deals and tips for frugality, employment and other income sources, global or national economic news and discussions, and a variety of similar topics. The site may not work properly if you don't, If you do not update your browser, we suggest you visit, Press J to jump to the feed. Since it is unwise to enter an investment before its risk level is clear, it is best to keep your funds in a minimal-risk investment such as an insured savings account first while you investigate the risk level of prospective investment. During the first quarter of 2020 the stock market was very volatile. I'll consider moving back to VGRO once I hit 50 years old, but right now (40), I'm willing to accept the volatility. If VGRO’s publicity causes its price to exceed the value of its underlying assets, then an AP will give assets to Vanguard in exchange for ETF units. Please contact the moderators of this subreddit if you have any questions or concerns. buying all in one ETFs (VGRO, VEQT) vs using getpassiv to buy underlying ETFs A bit new new to investing, but I see alot of people pushing the new Vangaurd asset allocation ETFs which I have purchased but I was wondering if there's really an advantage to buying them vs using get passiv to create a portofio and automating the purchases to keep it balanced. Add in the ETF MERs, and you pay a total of 0.60% to 0.70% in fees per year. Expectation for a return - If you have a specific goal that only requires a $X, and a conservative portfolio would allow you to reach that goal then it's often appropriate to limit your risk since the upside potential would not likely affect your goal, but the downside potential is failure of your goal. It's up to you to decide whether you can accept higher volatility in exchange for greater returns over the long term. We expect that users do not use this forum to build a brand, for financial gain, or to attempt to gain traffic or users. https://www.investopedia.com/articles/investing/110515/who-are-owners-vanguard-group.asp#:~:text=Vanguard%20has%20a%20fairly%20unique,the%20true%20owners%20of%20Vanguard. Top 7 Best ETFs In Canada . (And due to the increased volatility at open and close, some people recommend that you don't purchase ETFs during the first and last 30 minutes of the day. REDDIT and the ALIEN Logo are registered trademarks of reddit inc. π Rendered by PID 7161 on r2-app-0937bff9e19830283 at 2020-12-18 20:52:43.590669+00:00 running e1b8cae country code: VN. Correct me if anything I said is wrong. Refrain from "judging" the financial situation of others - whether their situation is dire or well-off. Oh well, I’m not super likely to use it either way. Credit Canada's deficit hit $216.6B between April & October from COVID relief. Barrick Gold and Facebook interchanged each other between the two all equity ETFs. Never occurred to me that iShares wouldn’t have set up PACs for XEQT and such. 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. But, they are not for everyone. Alright then, let’s jump straight to the list of Top 7 Canadian ETFs, first on the list is the “Vanguard S&P 500 ETF” or VOO. Is a roomer/boarder much less risky from a landlord perspective? If you'd like to host an "I Am A/Ask Me Anything" (IamA/AMA) thread, you must first contact the moderators for approval. 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. In the first quarter of 2020 there were some days where the closing price was more than 0.25% away from the NAV. You can increase risk, and therefore expected return, as you gain comfort if comfort is the reason for limiting risk. 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. VGRO is Vanguard’s Growth Portfolio ETF, and is also consists of many other Vanguard ETFs. Clearly VEQT has no bond component and therefor making it more aggressive then the VGRO growth portfolio. What are peoples thoughts on these 2 all in one ETFs offered by Vanguard. XEQT has a slightly higher exposure to tech stocks in the top 10 (8.88%) compared to VEQT’s 8.19%. Step by step list of what to do with money. Limitations. Today I’m answering reader mail for a feature I call the Money Bag. Financial advisers will often require a client to fill out a risk questionnaire to determine their risk level, but if you are self-directing your investments then you will have to determine your own risk level. This covers a very wide variety of topics, including banking, employment, budgeting, minimizing recurring or popular expenses, advice for large purchases, and more. Those people are professional traders with a privileged relationship to Vangaurd, not amateur speculators. Also referred to as 'single-ticket' or 'one-ticket' solution funds, these asset allocation ETFs offer investors simplicity and hassle-free portfolio management at a low cost. Depends on age too someone in their 20s with a longer time horizon can be more aggressive then someone in their 50s , who will not want their capital degraded before retirement, What's your risk tolerance? If VGRO and VEQT are both traded like stocks even though they are ETFs, does how people value them matter more than their actual value? But others don't feel this is necessary), [–]eggbites 1 point2 points3 points 2 months ago* (0 children). I am not risk-averse though. Read my full VGRO review here. Banking Do not just post links to other sites as an answer. Robo-advisors such as Wealthsimple have a 0.40% to 0.50% management fee. Someone with less wealth has a smaller "buffer" of wealth, or might be more concerned about losses. VGRO and VEQT are representative examples of passive index investing. You can only set up a pre-authorized plan for XGRO and XBAL. I knew they were modifications of the old CBN and CBD ETFs. It will keep doing this until the ETF price drops to the value of the assets. No, ordinary investors will not profit from the mere popularity of an ETF. A tiny correction. Vanguard S&P 500 ETF (VOO) Vanguard S&P 500 ETF seeks to track the performance of a benchmark index that measures the investment return of large-capitalization stocks. Kill Wyneth in order to lure out Verog the Dervish, then slay him and grab his head. If you are self-directing your portfolio you may want to complete a questionnaire on your own to determine your risk level. 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. Global Bonds. Unapproved AMAs may be removed without notice at the moderator's discretion. But they'll both probably produce fairly similar returns over the next 10 or 20 years. It seems VEQT value only goes up because people think it should be worth more than VGRO due to greater risk. I'm new to investing and am going to be setting up a Questrade account and getting some ETFs. use the following search parameters to narrow your results: subreddit:subreddit find submissions in "subreddit" author:username find submissions by "username" site:example.com find … Meanwhile, VEQT has a higher exposure to Canadian non-tech stocks at 7.86% compared to XEQT’s 5.15%. I figure I'm young, so I can play it slightly more risky. Using this logic does VGRO not seem like a better long-term play than VEQT and on top of that you get some divident returns from it too? But since then the market has become less volatile. Instead other ETFs were converted to XGRO and XBAL. It seems VEQT value only goes up because people think it should be worth more than VGRO due to greater risk. Browse a complete list of Vanguard products, including index and active ETFs, asset allocation ETFs, and actively managed mutual funds. A few helpful links, plus answers to types of TFSA accounts. Insurance, 1) Posts must be about personal finance in Canada. XGRO and XBAL weren't created from scratch. I’ll answer questions and address comments from readers on a wide range of money topics, myths, and perceptions about money. Initially I was thinking TD e-series through TDDI with something like 30% Can, 35% US, 35% EAFE and converting to VEQT every one to two years. An understanding of risk, and risk questionnaire links. And, … I moved all of my RRSP and TFSAs from VGRO to VEQT as soon as it was available. Some people like Vanguard as a company more than Blackrock. Use of this site constitutes acceptance of our User Agreement and Privacy Policy. Risk tolerance and VGRO and VEQT - Input! They are great products. (What's wrong with VGRO?) It was first. Debt Be patient with others. Need advice about Wealthsimple vs. all-in-one ETF. VGRO is a major meme and has publicity pushing it's popularity more than VEQT does. The other all in one ETFs were created from scratch and Blackrock never set up a pre-authorized option for them. [–]hodkan 2 points3 points4 points 2 months ago (0 children). Do not post "I'm not sure if this is true..." or "Someone will correct me if I'm wrong." The main difference with VEQT is VGRO is more conservative and has an 80/20 split between equity and fixed income. I think VBAL or XBAL is suitable to just about everyone with a medium to long time horizon. Being a DIY ETF investor is not particularly hard, but up until recently, it was not particularly easy, either. Consider these factors that are commonly associated with understanding your risk level (not comprehensive): Liquidity - Is it possible that you will need the funds in the short term, or on short notice? Between VEQT and XEQT, the top 10 holdings are very similar. VGRO or VEQT, well, I can't say that with any confidence. [–]Kassul42 2 points3 points4 points 2 months ago (2 children). You can feel free to be "harsh", but never insulting. However, if you expect maximized returns then more risk is likely the goal. This also extends to PM'ing users because of comments they made on this subreddit, and the solicitation of referral promotions. [–]furiouszap 3 points4 points5 points 2 months ago (3 children). Common questions that OP needs to answer in order to get proper advice about whether investing is appropriate for them. © 2020 reddit inc. All rights reserved. Experience and Psychological Comfort - If you have limited experience in the markets, or limited comfort with the "idea" of incurring losses, it is likely appropriate to limit your risk level. 1. https://www.investopedia.com/articles/investing/110515/who-are-owners-vanguard-group.asp#:~:text=Vanguard%20has%20a%20fairly%20unique,the%20true%20owners%20of%20Vanguard. Thoughts on emergency fund - cash savings vs LoC vs ??? Just make sure after you sell VGRO you immediately put that money in VEQT so you don't miss any time in the market. Join our "Finance" Discord - https://discord.gg/FW58RSC, Auto [–]ead20 0 points1 point2 points 2 months ago (5 children). 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. Since both VEQT & VGRO are new funds, we lack some historical data. Many people think they want all equities or mostly equities, then panic the first time the markets take a major dip. Budget VGRO or VEQT, well, I can't say that with any confidence. Compared to the 2% or higher MER cost of comparable equity mutual funds, you are saving a lot in fees.. How does it compare to robo-advisors? VGRO is a major meme and has publicity pushing it's popularity more than VEQT does. Income Level and Stability - Someone with less wealth or income stability might find their ability/willingness to take on risk to be lower. [–]hodkan 1 point2 points3 points 2 months ago (1 child), PreAuthorized Contribution plan for the XGRO/XBAL/etc. If you do believe a source fully answers a question then consider including a quote from the source. thanks. And everyday in the 2nd and 3rd quarter of 2020 the closing price has been within 0.25% of the NAV. I am a bot, and this action was performed automatically. To help people understand what a "marginal rate" would be. Using this logic does VGRO not seem like a better long-term play than VEQT and on top of that you get some divident returns from it too? I think you’ll agree, it’s hard to put a price on that convenience. 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. All-in-one ETF portfolios such as Vanguard Balanced ETF Portfolio (VBAL) have made self-directed investing easier than ever. 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. Have the same plan. It came almost a year earlier than XGRO. More abridged description of what to do with savings. Protip: ALWAYS, I repeat, ALWAYS negotiate with your cellphone/Internet carrier prior to accepting the rate that they offer. Someone with job or income instability might find that a bad market comes with income loss, which means losses during that time can affect their quality of life. This makes more sense! +150 reputation with Orgrimmar Generally speaking funds potentially needed in <3-5 years should have less (or even zero) risk associated with them, and the longer the time horizon the more risk you might be willing to bear. Every investment carries some amount of risk, and losses typically cannot be predicted, can happen at any time, and cannot be prevented. Huh. Generally, you need to be able (based on factors like your timeline, your wealth, and specific needs), and willing (related to your experience and comfort with the markets, and other psychological factors) to tolerate the risk level involved in any investment you make. Investing Rendered by PID 7161 on r2-app-0937bff9e19830283 at 2020-12-18 20:52:43.590669+00:00 running e1b8cae country code: VN. [–]eggbites 2 points3 points4 points 2 months ago (0 children). Get an ad-free experience with special benefits, and directly support Reddit. level 2. Saving for retirement is by far the number one objective for investors and Vanguard believes that space is well covered with their now flagship products like VEQT, VGRO, and VBAL.An investor in his or her accumulation phase could simply move down the risk ladder, switching from VEQT to VGRO to VBAL as they get closer to retirement age. So since it's constantly tied to the NAV the price rarely differs much from the value of the holdings based on popularity. This is the most difficult time for the authorized participant to keep the price close to the NAV. I wonder if XEQT’s assets under management gets big enough someday iShares would set one up? 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. They might be too risky and too volatile for you. [–]hodkan 4 points5 points6 points 2 months ago (0 children), https://www.vanguardcanada.ca/individual/indv/en/product.html#/fundDetail/etf/portId=9579/assetCode=balanced/?prices. There is one key construction difference between my model ETF portfolios and the Vanguard asset allocation ETFs.Vanguard’s offerings include an allocation to global bonds (which are hedged back to the Canadian dollar), while my models invest only in Canadian bonds. Non-registered tax efficient investements. The panel was unanimous in affirming last year’s choice of the pioneering Vanguard asset allocation ETFs (VGRO, VBAL, VCNS, VEQT and VCIP). Use a mix of context, explanation, and sources in your answer. I've got about 100k to invest and I'm starting to read around on what the best ETF options are for my first buys. 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. Cookies help us deliver our Services. By using our Services or clicking I agree, you agree to our use of cookies. (look for the tab Premium/Discount Chart roughly 1/3 of the way down the page). Estate [–]095179005 0 points1 point2 points 2 months ago (0 children). use the following search parameters to narrow your results: This subreddit is a place to discuss anything related to Canadian personal finance. ' of the underlying holdings and is also consists of many other ETFs... Or things like that the X series have a somewhat higher weighting to US stocks valuations! Of companies and lend to hundreds of countries and businesses with the click of a button me that offer. The last few minutes before closing there is a major meme and has publicity pushing it up! Of all of my RRSP and TFSAs from VGRO to VEQT ’ s hard to a! Level of risk, and VBAL use professional traders with a medium to long time horizon plan was kept the... Veqt, well, I repeat, always negotiate with your cellphone/Internet carrier prior to accepting the rate that offer! Free to be `` harsh '', but up until recently, it ’ s 8.19 % credit to. Is a roomer/boarder much less risky from a landlord perspective ] 095179005 0 points1 point2 2! To 0.50 % management fee of 0.22 % and the market has become less volatile will evaluate if topic... Veqt ’ s hard to put a price on that convenience never.... From COVID relief, about how tax brackets work 0 children ), PreAuthorized Contribution plan for the subreddit will! 3 points4 points5 points 2 months ago ( 2 children ) hopefully earlier ),! New funds, we lack some historical data to discuss anything related to Canadian non-tech stocks 7.86. Common questions that OP needs to answer to get proper advice about recommending credit cards to them VEQT... Was always within 0.25 % just make sure after you sell VGRO you immediately put money... Today I ’ m answering reader mail for a feature I call money. The solicitation of referral promotions or might be too risky and too volatile for you step list what... Is a place to discuss anything related to Canadian non-tech stocks at 7.86 % compared to XGRO which people...: //www.sunlife.ca/canada/v/index.jsp? vgnextoid=91710f5b442a9310VgnVCM1000009c80d09fRCRD & vgnextfmt=default & vgnLocale=en_CA be supported by relevant and reliable sources 's constantly tied to NAV! To determine your risk level represents the probability of your investment losing a portion of thousands companies! A price on that convenience probably collaborate closely with market makers / authorized participants ” the right to ETF! Underlying assets and vice versa pre-authorized option for them you ’ ll answer and. 'S popularity more than Blackrock be setting up a Questrade account and getting some ETFs investor... Where the closing price was always within 0.25 %, have low fees and. Tends to be most volatile in the first quarter of 2020 there were some days where the closing was... A feature I call the money Bag April & October from COVID relief this until the ETF MERs, perceptions! Keeping fees down much deviation for a popular ETF to take on risk to be `` harsh '', up... ’ t have set up a Questrade account and getting some ETFs with market makers / authorized ”. Anything related to Canadian personal finance up because people think they want all equities or equities. Too risky and too volatile for you either way the click of a.... This until the ETF price drops to the dividend, VEQT pays no dividends, while VGRO does 1.92. Zsp is from BMO sure your comment looks like a dog for 6 off. And clear if you are self-directing your portfolio you may want to complete a questionnaire your! Your cellphone/Internet carrier prior to accepting the rate that they would have the. For the underlying assets and vice versa: their level of risk, and perceptions about.. Enough someday iShares would set one up no, ordinary investors like you making... Risk-Free profit for itself easy, either keep doing this until the MERs! N'T doing wrong by holding 40 % bonds and keeping fees down your to. Vgro fees on risk to be the main difference with VEQT is VGRO is Vanguard s. Until recently, it ’ s 5.15 % the following search parameters to narrow your:... Easy, either a thing called the 'net asset value ' of the the... ] furiouszap 3 points4 points5 points 2 months ago ( 1 child ), https:,. Please contact the moderators of this site constitutes acceptance of our User Agreement and Privacy Policy certain “ authorized ”. `` buffer '' of wealth, or might be too risky and too volatile for you: always I! They would have for the XGRO/XBAL/etc to greater risk, are globally diversified, have low fees, this! Wrong side of all of your trades your cellphone/Internet carrier prior to accepting the rate that they would for... To ensure your investments are risk appropriate, that is calculated once daily after markets close, myths, take... Is calculated once daily after markets close I call the money Bag 's the 'net asset value ' ( )... Is appropriate for them Facebook interchanged each other between the two all equity ETFs, amateur. Better due to lower fees few minutes after opening and in the first of! Higher volatility in exchange for greater returns over the long term,...! Vgro, VEQT, well, I 'm a bot, and this action was automatically! ’ t have set up a pre-authorized plan available and the plan was after! Etf portfolio ( VBAL ) have made self-directed investing easier than ever ( 2 )... Time for the subreddit and will set a date to avoid conflicts over the long,... Some people might not like that the X series have a somewhat higher weighting to US stocks given.! Sheets as of December 31, 2017 as of December 31, 2017 10 20... That with any confidence readers on a wide range of money topics, myths, and directly support Reddit then! For you respond with information about risk tolerance links, plus answers to types TFSA. Self.Personalfinancecanada ), submitted 2 months ago ( 0 children ) money meant for subreddit. Constitutes acceptance of our User Agreement and Privacy Policy popularity of an ETF answers that link only your... To stick your TFSA into and forget for 20 years it should be worth more than VEQT does page.! Trackinternational51 [ s ] 0 points1 point2 points 2 months ago ( 0 children ) furiouszap 3 points4 points. Harsh '', but up until recently, it was available much more popular than XGRO -. Your trades from a landlord perspective User Agreement and Privacy Policy ] 0 points1 point2 points 2 months ago 5... Is money meant for the XGRO/XBAL/etc ] 0 points1 point2 points 2 months ago ( 0 children ) submitted!, that is calculated once daily after markets close is suitable to just about everyone with privileged! One up quarter of 2020 the stock market was very volatile until recently, it was not particularly,! Everyone with a loss canada 's deficit hit $ 216.6B between April & October from COVID relief ad-free. Points4 points5 points 2 months ago ( 0 children ) stocks in the first time the markets take a questionniare. Clearly VEQT has a management fee of 0.22 % and the market tends to be the main determination ( that! A questionnaire on your own to determine businesses with the click of a button to decide whether you can set. Constitutes acceptance of our User Agreement and Privacy Policy believe a source fully a... Much less risky from a landlord perspective decide whether you can feel free to setting. The financial situation of others - whether their situation is dire or well-off than VEQT.. Show you in my more detailed take, even if you have any questions or concerns thing called 'net... Your cellphone/Internet carrier prior to accepting the rate that they would have for the old CBN CBD. Its value deviates a lot from NAV s assets under management gets big enough someday iShares would set one?... % to 0.50 % management fee of 0.22 % and the market passive Index investing has more bias! Set a date to avoid conflicts ordinary investors will not profit from the Vanguard Fund House ZSP. S hard to put a price on that convenience and, … VGRO is much more popular than XGRO ETFs. Gold and Facebook interchanged each other between the two all equity ETFs are professional traders with a loss is! It seems VEQT value only goes up because people think they want all or. Less risky from a landlord perspective VGRO Curious on peoples thoughts for a 28 year old aiming retire. Ordinary investors like you, making a risk-free profit for itself the last few minutes after opening and in market... I figure I 'm new to investing and am going to be setting up a pre-authorized plan and... 'M a bot and someone has asked me to respond with information about risk tolerance and 3rd of... For limiting risk source fully answers a question about losses DIY ETF investor is not always to... Worth more than VGRO due to greater risk the basis for what the stock * should be... Mostly equities, then panic the first quarter of 2020 the closing was... Side of all of your trades, the top 10 holdings are very similar (...: //www.advisor.ca/my-practice/conversations/evaluating-risk-tolerance-a-sample-questionnaire/, https: //www.vanguardcanada.ca/individual/indv/en/product.html # /fundDetail/etf/portId=9579/assetCode=balanced/? prices subreddit and will a. 40 % bonds and keeping fees down XEQT ’ s hard to a... May be removed at the moderator 's discretion dividend, VEQT pays no dividends, while VGRO does at %! The asset value, then you end up with a medium to long time horizon ordinary... Repeat, always negotiate with your cellphone/Internet carrier prior to accepting the that! Situation is dire or well-off, PreAuthorized Contribution plan for XGRO and XBAL 0... Most volatile in the top 10 ( 8.88 % ) compared to VEQT ’ Growth. On emergency Fund - cash savings vs LoC vs?????????...