I figure I'm young, so I can play it slightly more risky. We will evaluate if your topic is suitable for the subreddit and will set a date to avoid conflicts. Thoughts on emergency fund - cash savings vs LoC vs ??? I am a bot, and this action was performed automatically. InvestingVGRO better long-term returns than VEQT? I am not risk-averse though. This includes solicitation of referrals, posting your own blog, video channel or personal website, and recommendations for users to do business with you. [–]Kassul42 2 points3 points4 points 2 months ago (2 children). Retirement On the other hand, some people might not like that the X series have a somewhat higher weighting to US stocks given valuations. Correct me if anything I said is wrong. Today I’m answering reader mail for a feature I call the Money Bag. A few helpful links, plus answers to types of TFSA accounts. Best Mutual Fund/ETF to stick your TFSA into and forget for 20 years? 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. But since then the market has become less volatile. Cookies help us deliver our Services. Just make sure after you sell VGRO you immediately put that money in VEQT so you don't miss any time in the market. (What's wrong with VGRO?) Debt It seems VEQT value only goes up because people think it should be worth more than VGRO due to greater risk. and join one of thousands of communities. Common questions that OP needs to answer in order to get proper advice about whether investing is appropriate for them. You can increase risk, and therefore expected return, as you gain comfort if comfort is the reason for limiting risk. XGRO and XBAL weren't created from scratch. 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? It came almost a year earlier than XGRO. 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. Income Level and Stability - Someone with less wealth or income stability might find their ability/willingness to take on risk to be lower. This makes more sense! During the first quarter of 2020 the stock market was very volatile. 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. And these other ETFs already had a pre-authorized plan available and the plan was kept after the conversion. If you're not actually answering the question, then make sure your comment looks like a question. Jobs where you can work like a dog for 6 months and then take 6 months off (or things like that)? Taxes 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. Get an ad-free experience with special benefits, and directly support Reddit. Between VEQT and XEQT, the top 10 holdings are very similar. I knew they were modifications of the old CBN and CBD ETFs. [–]furiouszap 3 points4 points5 points 2 months ago (3 children). [–]ead20 0 points1 point2 points 2 months ago (5 children). Instead other ETFs were converted to XGRO and XBAL. Banking If you bought the ETF at a price exceeding the asset value, then you end up with a loss. 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. So since it's constantly tied to the NAV the price rarely differs much from the value of the holdings based on popularity. [–]eggbites 2 points3 points4 points 2 months ago (0 children). 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. Being a DIY ETF investor is not particularly hard, but up until recently, it was not particularly easy, either. I think you’ll agree, it’s hard to put a price on that convenience. VGRO vs. ZSP. It will then sell the units to ordinary investors like you, making a risk-free profit for itself. Seems bizarre to me that they would have for the old, not that popular ETFs but then not do it for XEQT. Since both VEQT & VGRO are new funds, we lack some historical data. Housing You can own a portion of thousands of companies and lend to hundreds of countries and businesses with the click of a button. Unapproved AMAs may be removed without notice at the moderator's discretion. Exceeded my TFSA contribution limit this year...Advice? From the point of view of an ordinary investor, there should never be much deviation for a popular ETF. 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. Whether to buy VGRO, VBAL, or VEQT depends how much you can stomach when the equities fall. Clearly VEQT has no bond component and therefor making it more aggressive then the VGRO growth portfolio. If you do believe a source fully answers a question then consider including a quote from the source. 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. [–]Kassul42 0 points1 point2 points 2 months ago (0 children). I’ll answer questions and address comments from readers on a wide range of money topics, myths, and perceptions about money. It's up to you to decide whether you can accept higher volatility in exchange for greater returns over the long term. Vanguard says the Canadian bias lowers volatility. Robo-advisors such as Wealthsimple have a 0.40% to 0.50% management fee. You can feel free to be "harsh", but never insulting. Refrain from "judging" the financial situation of others - whether their situation is dire or well-off. veqt vs. vgro Curious on peoples thoughts for a 28 year old aiming to retire by 60 (hopefully earlier). The other all in one ETFs were created from scratch and Blackrock never set up a pre-authorized option for them. Non-registered tax efficient investements. I'm new to investing and am going to be setting up a Questrade account and getting some ETFs. Meanwhile, VEQT has a higher exposure to Canadian non-tech stocks at 7.86% compared to XEQT’s 5.15%. But they'll both probably produce fairly similar returns over the next 10 or 20 years. 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. An understanding of risk, and risk questionnaire links. 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. 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. I'll consider moving back to VGRO once I hit 50 years old, but right now (40), I'm willing to accept the volatility. VGRO is Vanguard’s Growth Portfolio ETF, and is also consists of many other Vanguard ETFs. And the market tends to be most volatile in the first few minutes after opening and in the last few minutes before closing. 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. 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. 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