Our Conservative portfolios have around 35% equity allocation. These have been designed for a conservative investor desiring a slightly larger equity component. If you prefer stability and a modest return, this portfolio is for you. You should be willing to accept that there are short-term market fluctuations but also hold a long-term perspective.
We've modelled a 35% equity portfolio below. This portfolio has grown by 18.6% (net of fees) since Wealthsimple's launch on August 20, 2014, to December 31, 2019.
Non-Registered Account Breakdown
Your non-registered, joint, and corporate accounts will be invested in the following funds:
|Vanguard Total Stock Market||VTI||3,800 large, medium, small and micro-cap companies mirroring the US equity market||5%|
|iShares MSCI Min Vol Global ETF||ACWV||Large, mid, and small-cap stocks in developed Europe, Australasia, and the Far East||10%|
|iShares MSCI Min Vol Emerging Market Fund||EEMV||Exposure to 300+ emerging market equities with minimum volatility characteristics||10%|
|iShares Core MSCI EAFE CAD||XEF||Large, mid, and small-cap stocks in developed Europe, Australasia, and the Far East in Canadian dollars||7.5%|
|Shares Core S&P/TSX Capped Composite Index||XIC||250+ Canadian equities representing 95% of the Canadian equity market||2.5%|
BMO Discount Bond Fund ETF
|ZDB||Exposure to a mix of Federal, Provincial, and corporate Canadian debt with maturity >1 year but a lower weighted average coupon. This reduces tax implications in non-reg accounts||35%|
|Mackenzie US TIPS Index ETF||QTIP||Exposure to inflation-protected US government bonds||10%|
|BMO Long Federal Bond Index||ZFL||Long term debt securities issued or guaranteed by the Government of Canada||20%|
The MER of this portfolio is 0.16% and the management fee of this portfolio is 0.50%