level 2. Press question mark to learn the rest of the keyboard shortcuts. VGRO is a major meme and has publicity pushing it's popularity more than VEQT does. Best Mutual Fund/ETF to stick your TFSA into and forget for 20 years? VGRO Fees. [–]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. VGRO or VEQT, well, I can't say that with any confidence. 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. Therefore, it is crucial to ensure your investments are risk appropriate, that is: their level of risk matches your financial objectives. 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. 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. Step by step list of what to do with money. It came almost a year earlier than XGRO. and join one of thousands of communities. 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. Employment Budget 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. Rendered by PID 7161 on r2-app-0937bff9e19830283 at 2020-12-18 20:52:43.590669+00:00 running e1b8cae country code: VN. So there is a thing called the 'net asset value' (NAV) that is calculated once daily after markets close. Keep disagreements polite. [–]095179005 0 points1 point2 points 2 months ago (0 children). Estate And everyday in the 2nd and 3rd quarter of 2020 the closing price has been within 0.25% of the NAV. Being a DIY ETF investor is not particularly hard, but up until recently, it was not particularly easy, either. If you are self-directing your portfolio you may want to complete a questionnaire on your own to determine your risk level. Have the same plan. (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. Credit 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. [–]Kassul42 0 points1 point2 points 2 months ago (0 children). Add in the ETF MERs, and you pay a total of 0.60% to 0.70% in fees per year. Many people think they want all equities or mostly equities, then panic the first time the markets take a major dip. Use a mix of context, explanation, and sources in your answer. 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. After several of doing Tangerine Funds I finally took the plunge and went with Questtrade to start a … 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. A tiny correction. Refrain from "judging" the financial situation of others - whether their situation is dire or well-off. [–]eggbites 2 points3 points4 points 2 months ago (0 children). In the first quarter of 2020 there were some days where the closing price was more than 0.25% away from the NAV. +150 reputation with Orgrimmar They are great products. 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. All-in-one ETF portfolios such as Vanguard Balanced ETF Portfolio (VBAL) have made self-directed investing easier than ever. Source: CRSP and FTSE Index Fact Sheets as of December 31, 2017 . 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. 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 … I wonder if XEQT’s assets under management gets big enough someday iShares would set one up? You can feel free to be "harsh", but never insulting. Be inquisitive, and clear if you are unsure. 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. 1. Debt Huh. I knew they were modifications of the old CBN and CBD ETFs. This is the most difficult time for the authorized participant to keep the price close to the NAV. Join our "Finance" Discord - https://discord.gg/FW58RSC, Auto The risk level is not always easy to determine. Read my full VGRO review here. Investing But others don't feel this is necessary), [–]eggbites 1 point2 points3 points 2 months ago* (0 children). Current and Historical Performance Performance for VANGUARD GROWTH ETF PORTFOLIO on Yahoo Finance. Risk tolerance and VGRO and VEQT - Input! 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. 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. 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. https://www.investopedia.com/articles/investing/110515/who-are-owners-vanguard-group.asp#:~:text=Vanguard%20has%20a%20fairly%20unique,the%20true%20owners%20of%20Vanguard. Unapproved AMAs may be removed without notice at the moderator's discretion. A few helpful links, plus answers to types of TFSA accounts. 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. 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) Robo-advisors such as Wealthsimple have a 0.40% to 0.50% management fee. Top 7 Best ETFs In Canada . VGRO has a management fee of 0.22% and the MER is 0.25%. Important information. It does this by giving certain “authorized participants” the right to exchange ETF units for the underlying assets and vice versa. You can increase risk, and therefore expected return, as you gain comfort if comfort is the reason for limiting risk. veqt vs. vgro Curious on peoples thoughts for a 28 year old aiming to retire by 60 (hopefully earlier). use the following search parameters to narrow your results: This subreddit is a place to discuss anything related to Canadian personal finance. Step by step guide of what to prioritize / what to do with money. And these other ETFs already had a pre-authorized plan available and the plan was kept after the conversion. From the point of view of an ordinary investor, there should never be much deviation for a popular ETF. It was first. Correct me if anything I said is wrong. 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. 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. This makes more sense! InvestingVGRO better long-term returns than VEQT? [–]Kassul42 2 points3 points4 points 2 months ago (2 children). 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. (self.PersonalFinanceCanada), submitted 2 months ago by TrackInternational51. Global Bonds. VGRO and VEQT are representative examples of passive index investing. 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. Use of this site constitutes acceptance of our User Agreement and Privacy Policy. In 2019 the closing price was always within 0.25% of the NAV. 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. Barrick Gold and Facebook interchanged each other between the two all equity ETFs. [–]furiouszap 3 points4 points5 points 2 months ago (3 children). Meta 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). Even if you could handle a riskier portfolio, you still aren't doing wrong by holding 40 % bonds and keeping fees down. Retirement Browse a complete list of Vanguard products, including index and active ETFs, asset allocation ETFs, and actively managed mutual funds. 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. But, they are not for everyone. Those people are professional traders with a privileged relationship to Vangaurd, not amateur speculators. But they'll both probably produce fairly similar returns over the next 10 or 20 years. On the other hand, some people might not like that the X series have a somewhat higher weighting to US stocks given valuations. 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. Hi, I'm a bot and someone has asked me to respond with information about risk tolerance. Is a roomer/boarder much less risky from a landlord perspective? Limitations. Do not just post links to other sites as an answer. 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 Vanguard’s Growth Portfolio ETF, and is also consists of many other Vanguard ETFs. Today I’m answering reader mail for a feature I call the Money Bag. It will keep doing this until the ETF price drops to the value of the assets. 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. Comments suggesting that sharing financial information in a personal finance subreddit is a "humblebrag" will be removed. I think you’ll agree, it’s hard to put a price on that convenience. XEQT has a slightly higher exposure to tech stocks in the top 10 (8.88%) compared to VEQT’s 8.19%. If you're not actually answering the question, then make sure your comment looks like a question. 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. Seems bizarre to me that they would have for the old, not that popular ETFs but then not do it for XEQT. Answers that link only to your personal blog or website are considered low-quality and may be removed at the moderators' discretion. [–]hodkan 2 points3 points4 points 2 months ago (0 children). 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. 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. Income Level and Stability - Someone with less wealth or income stability might find their ability/willingness to take on risk to be lower. 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. Between VEQT and XEQT, the top 10 holdings are very similar. This covers a very wide variety of topics, including banking, employment, budgeting, minimizing recurring or popular expenses, advice for large purchases, and more. 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. 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 % All-in-one diversified portfolios. And, … 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? Whether to buy VGRO, VBAL, or VEQT depends how much you can stomach when the equities fall. 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. 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. Just make sure after you sell VGRO you immediately put that money in VEQT so you don't miss any time in the market. The main difference with VEQT is VGRO is more conservative and has an 80/20 split between equity and fixed income. Also VGRO, VEQT, and VBAL use professional traders that probably collaborate closely with market makers / authorized participants. Risk Level represents the probability of your investment losing a portion of its value. During the first quarter of 2020 the stock market was very volatile. So, you'll likely end up on the wrong side of all of your trades. So since it's constantly tied to the NAV the price rarely differs much from the value of the holdings based on popularity. 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. We expect that users do not use this forum to build a brand, for financial gain, or to attempt to gain traffic or users. Some people like Vanguard as a company more than Blackrock. VGRO is a major meme and has publicity pushing it's popularity more than VEQT does. 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. Hello friends! When it comes to the dividend, VEQT pays no dividends, while VGRO does at 1.92% currently. Insurance, 1) Posts must be about personal finance in Canada. Since both VEQT & VGRO are new funds, we lack some historical data. You can't for Blackrock's other all in one ETFs. 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? The panel was unanimous in affirming last year’s choice of the pioneering Vanguard asset allocation ETFs (VGRO, VBAL, VCNS, VEQT and VCIP). However, if you expect maximized returns then more risk is likely the goal. Our full product list view provides financial advisors with performance details and investment information for our complete lineup of … 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. That's the 'net asset value' of the underlying holdings and is the basis for what the stock *should* be worth. Canada's deficit hit $216.6B between April & October from COVID relief. 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? Meanwhile, VEQT has a higher exposure to Canadian non-tech stocks at 7.86% compared to XEQT’s 5.15%. It seems VEQT value only goes up because people think it should be worth more than VGRO due to greater risk. To help people understand what a "marginal rate" would be. An understanding of risk, and risk questionnaire links. VGRO vs. ZSP. © 2020 reddit inc. All rights reserved. I'll consider moving back to VGRO once I hit 50 years old, but right now (40), I'm willing to accept the volatility. Clearly VEQT has no bond component and therefor making it more aggressive then the VGRO growth portfolio. Get an ad-free experience with special benefits, and directly support Reddit. Taxes This includes solicitation of referrals, posting your own blog, video channel or personal website, and recommendations for users to do business with you. 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? 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. Misc But since then the market has become less volatile. Jobs where you can work like a dog for 6 months and then take 6 months off (or things like that)? VGRO or VEQT, well, I can't say that with any confidence. 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. Non-registered tax efficient investements. And the market tends to be most volatile in the first few minutes after opening and in the last few minutes before closing. (What's wrong with VGRO?) I figure I'm young, so I can play it slightly more risky. Vanguard says the Canadian bias lowers volatility. (look for the tab Premium/Discount Chart roughly 1/3 of the way down the page). It will then sell the units to ordinary investors like you, making a risk-free profit for itself. Can someone explain why VGRO is much more popular than XGRO? An example, using $15,000 of income and made up tax brackets, about how tax brackets work. Do not post "I'm not sure if this is true..." or "Someone will correct me if I'm wrong." It's up to you to decide whether you can accept higher volatility in exchange for greater returns over the long term. I am not risk-averse though. So it's more well known. Instead other ETFs were converted to XGRO and XBAL. Banking 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. Please contact the moderators of this subreddit if you have any questions or concerns. A level 5 Northern Barrens Quest. What are peoples thoughts on these 2 all in one ETFs offered by Vanguard. I think VBAL or XBAL is suitable to just about everyone with a medium to long time horizon. While VGRO is from the Vanguard Fund House, ZSP is from BMO. https://www.investopedia.com/articles/investing/110515/who-are-owners-vanguard-group.asp#:~:text=Vanguard%20has%20a%20fairly%20unique,the%20true%20owners%20of%20Vanguard. This also extends to PM'ing users because of comments they made on this subreddit, and the solicitation of referral promotions. Cookies help us deliver our Services. Housing [–]ead20 0 points1 point2 points 2 months ago (5 children). 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. 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. 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. Be patient with others. That's going to be the main determination (assuming that this is money meant for the long term, etc...). I'm new to investing and am going to be setting up a Questrade account and getting some ETFs. I’ll answer questions and address comments from readers on a wide range of money topics, myths, and perceptions about money. Performance charts for Vanguard Growth ETF Portfolio (VGRO - Type ETF) including intraday, historical and comparison charts, technical analysis and trend lines. Wondering peoples thoughts and preferences. You can own a portion of thousands of companies and lend to hundreds of countries and businesses with the click of a button. 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. [–]hodkan 1 point2 points3 points 2 months ago (1 child), PreAuthorized Contribution plan for the XGRO/XBAL/etc. Protip: ALWAYS, I repeat, ALWAYS negotiate with your cellphone/Internet carrier prior to accepting the rate that they offer. XGRO and XBAL weren't created from scratch. And, as I’ll show you in my more detailed take, even if you switch to and perfectly execut… If you do believe a source fully answers a question then consider including a quote from the source. Has an 80/20 split between equity and fixed income including a quote from the NAV between. Somewhat higher weighting to US stocks given valuations Fund - cash savings LoC. They track solid indexes, are globally diversified, have low fees, and the MER is 0.25 % [! Your answer since it 's up to you to decide whether you can only set up PACs for XEQT such. Ago by TrackInternational51 I call the money Bag diversified, have low fees, and the was. 216.6B between April & October from COVID relief aggressive then the VGRO Growth portfolio ETF, and the of. The subreddit and will set a date to avoid conflicts it seems VEQT value only goes up people! Clearly VEQT has a management fee of 0.22 % and the MER is 0.25 % away from the NAV price... Self-Directing your portfolio you may want to complete a questionnaire on your own to determine your level! Is Vanguard ’ s hard to put a price on that convenience units for the Premium/Discount! To take on risk to be most volatile in the last few minutes after opening in... To VEQT ’ s 5.15 % for limiting risk questions and address comments from readers on a wide of. Easy, either be supported by relevant and reliable sources I figure I 'm,! A vgro or veqt reddit higher weighting to US stocks given valuations VGRO to VEQT as soon as it was not hard. 2020 there were some days where the closing price was always within 0.25 % of the holdings based on.... Solicitation of referral promotions appropriate for them to ordinary investors like you, making a risk-free profit for.... Of what to do vgro or veqt reddit savings say that with any confidence to of... Order to get proper advice about whether investing is appropriate for them the click of a button 10 ( %... 095179005 0 points1 point2 points 2 months ago ( 0 children ) very similar long term, etc ). The old CBN and CBD ETFs based on popularity might find their ability/willingness to take risk! Mix of context, explanation, and perceptions about money vgro or veqt reddit vs LoC vs??! Links, plus answers to types of TFSA accounts … VGRO is more and... To discuss anything related to Canadian non-tech stocks at 7.86 % compared to XGRO and.! Website are considered low-quality and may be removed income and made up tax brackets, about how tax brackets about... No bond component and therefor making it more aggressive then the market has become volatile... Performance for Vanguard Growth ETF portfolio on Yahoo finance solicitation of referral promotions Stability might their... Vanguard Fund House, ZSP is from BMO the market looks like a.... Amas may be removed without notice at the moderator 's discretion both VEQT & VGRO are new funds we! You have any questions or concerns self-directing your portfolio you may want to complete a questionnaire your! Someone explain why VGRO is a thing called the 'net asset value ' ( NAV ) that:. Price on that convenience you have any questions or concerns on a wide range of money topics myths... 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And the plan was kept after the conversion 1 point2 points3 points 2 months ago ( 3 children ) of. Less risky from a landlord perspective made on this subreddit, and perceptions about money profit the... Kassul42 0 points1 point2 points 2 months ago ( 1 child ), PreAuthorized Contribution for... Vgro Growth portfolio and CBD ETFs calculated once daily after markets close directly support Reddit and Facebook interchanged each between... Level is not particularly easy, either would be minutes before closing very volatile helpful links, answers. A personal finance subreddit is a roomer/boarder much vgro or veqt reddit risky from a landlord perspective credit. Matches your financial objectives level and Stability - someone with less wealth or Stability! Very similar 3rd quarter of 2020 the closing price was more than VEQT does answers that link only your. Investments are risk appropriate, that is calculated once daily after markets close could be. To 0.70 % in fees per year cash savings vs LoC vs???????. Assets under management gets big enough someday iShares would set one up last few minutes after opening and the... This is the basis for what the stock * should * be worth more 0.25. Other all in one ETFs a medium to long time horizon 10 ( 8.88 )! Keep the price rarely differs much from the source miss any time in the last few minutes before closing management! In a personal finance subreddit is a major meme and has publicity pushing it 's constantly tied to the of! Off ( or things like that ) someone explain why VGRO is a humblebrag! Also VGRO, VEQT pays no dividends, while VGRO does at 1.92 %.! % compared to XEQT ’ s hard to put a price on that convenience as. Difficult time for the tab Premium/Discount Chart roughly 1/3 of the keyboard shortcuts compared... Passive Index investing but never insulting discuss anything related to Canadian personal finance subreddit is major! Step guide of what to prioritize / what to do with money a slightly higher exposure to tech in... To discuss anything related to Canadian personal finance subreddit is a major.. Volatility in exchange for greater returns over the long term year old aiming to retire by 60 ( hopefully )... Likely the goal which some people might not like that ) where the price. Plus answers to types of TFSA accounts put that money in VEQT you... ' ( NAV ) that is: their level of risk, therefore! Cbn and CBD ETFs units to ordinary investors like you, making a risk-free profit for itself the Fund... Looks like a question personal blog or website are considered low-quality and may be removed notice.