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iShares continues to give a little more weight to the USA exposure over the Canadian side of things, with virtually equal weighting given to the international scene. AA 0.00%. For us we’d always DRIP whenever we’re eligible. Replies. Hi, I'm looking to start index investing, and have more or less narrowed down to VFV or VEQT - looking to go 100% equities. XEQT Vs. HGRO - Tawcan tawcan.com - Tawcan. Horizons Growth TRI ETF Portfolio seeks long-term capital growth using a portfolio of primary equity-focused total return index exchange traded funds. Performance charts for Vanguard All-Equity ETF Portfolio (VEQT - Type ETF) including intraday, historical and comparison charts, technical analysis and trend lines. Which one should we consider using for … Oct 12. Costco vs. Superstore vs. Walmart showdown, Alphabet: 2.69% (Class A: 1.36%, Class B: 1.33%), Vanguard US Total Market Index ETF (VUN) – 41.60%, Vanguard FTSE Canada All Cap Index ETF (VCN) – 30.30%, Vanguard FTSE Developed All Cap ex North America Index ETF (VIU) – 20.50%, Vanguard FTSE Emerging Marketing All Cap Index ETF (VEE) – 7.60%, iShares Core S&P Total US Stock (ITOT) – 47.15%, iShares MSCI EAFE IMI Index (XEF) – 23.76%, iShares S&P/TSX Capped Composite (XIC) – 23.62%, iShares Core MSCI Emerging Markets (IMEG) – 5.16%, Horizons US Large Cap Index ETF (HULC) – 32.92%, Horizons NASDAQ-100 Index ETF (HXQ) –  22.83%, Horizons INTL Developed MKTS (HXDM) – 20.83%, Horizons S&P/TSX 60 Index ETF(HXT)  – 16.28%, Horizons Euro Stoxx 50 index ETF (HXX) – 6.71%, Feb 20, 2020 – 52-week-high for most market indices, March 23, 2020 – 52-week-low for most market indices, Aug 28, 2020 –  52-week-high for the S&P 500, Financial Independence Retire Early != Success. Looking at these numbers alone, XEQT seems like a better choice. In fact, you might be able to recover some money as you’d get some foreign tax credit. I reached out to Ed on Twitter and asked him about his thoughts on doing an all equities approach in RESP. I’d also guess HGRO to have slightly higher returns due to the higher exposures to these technology stocks. Vanguard has been managing ETFs for a very long time and they certainly have created a great product with VEQT. Same discussion as VEQT vs VGRO, but with a tiny bit less home bias and less emerging markets, more USA. My main concern with HGRO is the total return swap structure that Horizons use. Bonds made zero after inflation for 80 years from 1900-1982. It works for TFSAs, RRSPs, RESPs, and many more wealth-building accounts. HGRO certainly has enticing fees but the idea of not actually owning anything doesn’t sound ideal to me. Robb pointed out that a few years ago, the Canadian federal government decided to go after these swap structures in the budget as part of the effort to close tax loopholes. I think you’ll agree, it’s hard to put a price on that convenience. Post was not sent - check your email addresses! If you’ve already talked/written about it somewhere else, please feel free to link me to that. VEQT is a one-stop shop for the all-equity investor, but it’s not one size fits all. The five ETFs above were the only ones I found with an expense ratio below 0.10% – along with reasonable strategies and scale. VEQT vs. XEQT . XEQT also pays a distribution of 1.5% compared to VEQT which does not pay a distribution. iShares does not disclose the turnover rate for XEQT. I started to question this strategy a few weeks after we made the change. Also, XEQT holds multiple ETFs, while VEQT holds the stocks directly. how did the asset allocation etfs handle the market crash and recovery this year? Find the latest ISHARES CORE EQUITY ETF (XEQT.TO) stock quote, history, news and other vital information to help you with your stock trading and investing. It is very unlikely, but possible, that you have 25% less after 4 years. VEQT vs XAW. Also, does it matter if XEQT is priced at $23 compared to VEQT's $31? The MER would have been 0.25% without any absorptions or waivers. Dono he teams ne bohat sahi khela. XEQT seems like the better choice, is there anything I’m missing out on? Depending on what interest rates look like in the next ten years or so, we may decide to allocate a bigger portion of the RESPs to bonds, or even holding in mostly cash the last few years before making withdrawals. Because HGRO holds both the US Large Cap Index and the NASDQA-100 Index, this all equity ETF is dominated by the Technology sector with Financial Services in second place. Also, do you recommend setting up a DRIP? It has a higher exposure to the US than VEQT and has the highest exposure to the ex-NAM market out of all three all equity ETFs that we compared. AAA 0.00%. It makes sense to consider HGRO’s fees in light of both MER + ongoing swap fee costs, resulting in total costs of 0.45% annually. Or do you think that is too much overlap. A 0.00%. You need to withdraw everything from the RESP before your last child finishes university. VEQT vs. XEQT vs. HGRO, which one of these all equity ETFs come out ahead? XEQT has a 0.18 MER and VEQT has 0.22. It makes sense given the large number of stocks that VEQT holds and all four indices track a large amount of stocks. This means that an investor is generally only expected to be taxed on any capital appreciation of their ETF shares if, and when, their shares of the ETF are sold. Vanguard VFV is the S&P500 ETF fund offered with a low 0.08% MER. I also share the same sentiment about HGRO. In my search for the top US dividend ETFs, I struggled to find ultra-low cost funds. Due to the higher concentration of tech stocks, it is not a surprise to see HGRO having a higher overall return compared to VEQT and XEQT in the same time period. How To Purchase XEQT in Canada If you are looking for long-term capital growth and are okay with significant market swings, XEQT may work for you. If you already have a large amount of Canadian equity/exposure (like through dividend investing or perhaps a pension fund), then you may be better off investing in a product like iShares Core MSCI All Country World ex Canada Index ETF (XAW). When we hold XGRO for 3 years we’d have 10% bond exposure. XEQT didn’t launch until Aug 13, 2019. Dear readers, are you utilizing an all equity ETF in your investing portfolio? I’m not exactly sure why this is the case…. But does holding this much bonds make sense given today’s super low interest rate environment? Using VEQT and XEQT in TFSA and Taxable Accounts. This is why we’re holding VCN/XAW and individual dividend stocks. Given how poorly the Energy sector has performed lately, it is slightly worrisome to see VEQT with the highest exposure in the Energy sector. The idea of an index ETF not owning any actual stocks doesn’t sit very well for me. The All-in-one ETFs from iShares also follow Vanguard’s tickers, with XEQT (100% equities), XGRO (80% stocks/20% bonds), XBAL (60% stocks/40% bonds), and XCNS (40% stocks/60% bonds). If we compare the three all equity ETFs, we can see that VEQT holds the highest amount of stocks. For most, all equities is the best, but not for everybody. How does XGRO compare to the all equity ETFs? Below is HRO’s sector exposure according to Morningstar. If we hold XEQT only then there’s no exposure to bonds. If that happens, how much of a problem is it for you? Enjoy the videos and music you love, upload original content, and share it all with friends, family, and the world on YouTube. Does holding all equities in RESP make sense? A fund of 4 iShares funds with some cash. I believe the higher exposure to tech stocks can lead to higher volatility. Reply. We plan to shift the amount of bonds we hold in the RESP as our kids get older by utilizing the different all-in-one ETFs. Do you think there is any benefit if you buy xeqt, and still buy individual stocks/dividend stocks from the canadian market like RBC, Fortis? On a million-dollar portfolio, you're paying about $2500/year more vs. $3400/year more with VEQT. In case you’re curious, Facebook is #11, Alphabet is #18 (Class A shares) and #20 (Class B shares), and Tesla is #28. iShares Core Equity ETF seeks to provide long-term capital growth by investing primarily in one or more exchange-traded funds managed by BlackRock Canada or an affiliate that provides exposure to equity securities. So, between the three all equity ETFs, VEQT, XEQT, and HGRO, which one should we pick for our kids’ RESPs? For stocks, the low volume/liquidity can be a concern as it typically means a high bid-ask spread. Looking at the ETF page for HGRO, it suggests that the fund will pay an aggregate TER of 0.28% based on the underlying ETFs held. A 2020 Guide, Why financial independence is more important than ever, Best Canadian Dividend Stocks for 2020 -My top 10, Top Canadian Dividend ETFs (2020) - Why we don't own them, Step-By-Step Guide on How to Make a Dividend Portfolio Spreadsheet, Using Google Finance & Google Spreadsheet for dividend investment, Dividends - A Canadian Dividend Investor's Dream, Does Costco cost more? ChilliPepper. If investments are down a lot, we would look for methods to stay invested until there is a recovery. Performance charts for iShares Core Equity ETF Portfolio (XEQT - Type ETF) including intraday, historical and comparison charts, technical analysis and trend lines. This is probably because XEQT holds about 0.31% of the fun in cash. I’m not exactly sure why. Here is an example. If I had to pick one all equity ETF out of these three without looking at the other parameters, I would probably pick XEQT since it sits in the middle of all three ETFs. I am wondering what the difference is between the two products? There has been an 11% chance of a loss after 4 years with the worst loss being 6.8% per year or 25% in total. Learn how your comment data is processed. This is quite a high figure were it just dealing with equity trading costs! One thing to consider is that I have only compared a year worth of data, this comparison isn’t the most scientific and may not be a true reflection of how these three all equity ETFs would perform moving forward. XEQT sits in the middle when it comes to these three all equity ETFs. At the time of this post, returns since inception approaching 7%. Facebook made it to the top 10 list. Learn more about dividends & financial independence. My best guess is that the entire market was down about the same amount on March 23, 2020, and not just the tech stocks. Through this blog, I want to demonstrate that it is possible to achieve financial independence as a single income family with two young kids while living in one of the most expensive cities in the world. If you don’t want any Canadian stocks in your portfolio, consider XAW instead. A high level comparison between VEQT, XEQT, and HGRO. It depends on what you want exposure to and how … While doing research for writing this article, I was messaging back and forth with Robb Engen from Boomer and Echo. I would be a little hesitant picking HGRO because it is so highly concentrated in the US. XEQT holds over 9,000 stocks but about 28% less compared to VEQT. Today our portfolio generates over $2,100 dividend per month which covers >50% of our expenses. VEQT vs. XEQT vs. HGRO Equity ETFs With so many equity ETFs to choose from it might be hard to figure out the top ones to own. Investing. Top 4 Holdings (100.00% of Total Assets) Get Quotes for Top Holdings. I was hoping to get your opinion on holding one of these products (VGRO/VEQT/XGRO/XEQT etc. ) Afterall, Apple, Amazon, Facebook, Shopify, Nvidia and other tech stocks have done very well during the last year. Royal Bank, TD, and Bank of Nova Scotia are part of the top 10, which demonstrates the strength of the Canadian banks. Pura end tak dekhna bohat he sahi match tha ye wala. Now, let us compare the market returns of VEQT vs. XGRO … Quarterly distributions with yield ~ 1.5%. in fact i bought a lot back in March which was a lucky/good move .. the old 60/40 argument is dead .. and bonds no longer go in the opposite direction of stocks , they crashed also . This site uses Akismet to reduce spam. ETFs: VFV vs VEQT? For HGRO, however, a large percentage of the cost of the underlying ETF providing synthetic exposure via total return swap is the fee paid to the swap counterparty, which does NOT show up in the MER of the underlying funds and presumably will not be rebated by Horizons. A high level comparison between VEQT, XEQT, and HGRO. 1. Hi Albert, XEQT didn’t exist when I made my decision to switch to VEQT. Bonds lost nearly 50% after inflation for 40 years from 1940-1980.”. The Horizons TRI ETFs that utilize total return swaps achieve tax-efficiency primarily by receiving the total return of the underlying index (before fees) – the value of the underlying index constituent distributions get reflected in the ETF’s share price and are not distributed to shareholders. All Equity ETFs Comparison – VEQT vs. XEQT vs. HGRO. XEQT has a management fee of 0.18% compared to 0.22% for VEQT, and a MER of 0.20% compared to 0.25% for VEQT. Being a DIY ETF investor is not particularly hard, but up until recently, it was not particularly easy, either. The tax consequence would be very similar if you hold them in non-registered account. veqt vs. xeqt In this section, I will compare the market returns of VEQT and XEQT and compare the percentage gain between the two for the maximum time frame. HGRO has a very high exposure to tech stocks in the top 10 at 21.06%. Withholding tax is already being take care as part of the ETF distribution. The dividends from the US/international portion gets taken care by the ETF already. Therefore, it makes sense VEQT has the highest MER at 0.25% with XEQT in the middle at 0.20%, and HGRO with the lowest MER at 0.17%. That means you give up an 89% chance of a gain averaging 40-50%. This shouldn’t come as a surprise considering VEQT’s holds 30.30% in VCN and has a higher exposure to the Canadian market. A word of caution, since HGRO does not have details on the top 10 holdings, I did some calculation myself to determine the list. All three of the all equity ETFs are relatively new. B 0.00%. BMO one fund solutions Also, what will the tax look like on dividends from the US/International portion? It also means that it is harder to buy and sell the low volume traded stocks. i am an experienced investor so i don’t freak over volatility . One of my favourite funds because it has a lower Canadian exposure than VEQT. If we compare the three all equity ETFs, we can see that VEQT holds the highest amount of stocks. Hi there, I’m Bob from Vancouver Canada. Michael James November 9, 2020 at 8:49 AM. To gain exposure to certain indices through a total return swap, counterparties may charge the Horizons TRI ETF a swap fee (depending on the underlying asset). Can you explain more what you mean by “The dividends from the US/international portion gets taken care by the ETF already.” So the tax is deducted, but how much is it? The top five holdings are dominated by tech stocks. In the article, he mentioned that it makes sense to have a portfolio consisting of all equities, as stocks outperform bonds and cash over the long term. You can’t go wrong with either of these ETFs if you’re looking for an all-in-one “all-equity” solution. Since three all equity ETFs have different makeups and different inception dates, it’d be interesting to compare their returns. XEQT or VEQT – XEQT currently yields a dividend of 3.20% quarterly. . This seems quite high. You can purchase the fund using a brokerage platform or registered dealer in Canada Perhaps HGRO may not be for the faint of hearts? Its top 10 holdings consist of 23.33% of the fund. 100% equities. Based on the above, I believe XEQT … *As per Horizons’ site not to exceed this management expense ratio – very comparable to funds above. Nice article! Therefore, I began to wonder, is XGRO the right approach? What it essentially boils down to here is whether you … But for comparison purposes, let’s allow this calculation. As you can see from the above chart, for the maximum time frame selected, the returns of VEQT and XEQT are almost similar in terms of market returns. The withholding tax on the dividends would be 15% correct? VEQT is heavier on Canadian markets. T1 pro scrims codm vs Xeqt. Before answering that question, let’s take a quick look at MER fees. I like XEQT for its higher exposure to the US and international markets and no one particular sector is over-weighted. A showdown between all equity ETFs. In 2011 my wife and I started dividend investing with the dream of living off dividends in our 40’s. Please note, I took the sector exposure data from Morningstar so allow for an apples to apples comparison between the three all equity ETFs. . Robb wasn’t sure if the CRA has done anything on this yet, however, this could be a potential threat for investors holding Horizon TRI ETFs or swap structured funds. Since the Energy sector has performed poorly in 2020, and that the Canadian market consists of a high percentage of Energy stocks, VEQT’s lower performance makes sense. There’s no debate that stocks will provide higher returns over the long term compared to bonds and other safe investment vehicles like GCI’s. I know you did the comparison for your registered account but do you know what the tax implications would be if I held them in my non-registered account since they are made up of foreign, dividend paying and non dividend paying stocks? Reply. You are going to withdraw the RESP entirely over 4 years from age 18-22. At the time of this post, returns since inception approaching 7%. Reply Delete. If it is a massive problem, then you may want to invest partly in fixed income or cash. When their investments are down, they sometimes withdraw less that year. Much like the comparisons above, there are more similarities than differences when it comes to the all-equity all-in-one options from iShares and Vanguard. We would increase the exposure to 20% once the kids turn 18 years old. And, a… xeqt vs. veqt VEQT refers to the Vanguard All-Equity ETF Portfolio, which also “seeks to provide long-term security by investing primarily in equity securities”. The only non-tech stocks are Royal Bank and TD which add up to merely 2.27%. Not to mention that none of the HGRO’s underlying index ETFs actually hold any stocks. Diversification is the only free lunch when it comes to investing. A lower management fee than VEQT of 0.18%. This is expected given that XEQT has a higher US exposure and VEQT has a higher Canadian exposure. From what I know XEQT has a 0.18 MER and VEQT has 0.22. Unlike the other “GRO” all-in-one ETFs, HGRO is an all equity ETF and does not hold any bonds. We’d pick XEQT if we want to pick an all equity ETF that is diversified outside of Canada. More on that in a bit. Since tech stocks have a tendency to go bonkers both gain and loss wise, I would expect HGRO to have higher returns but perhaps higher losses compared to VEQT and XEQT. Which approach suits you best depends on portfolio size, relative sizes of different account types, and how much you're willing to pay for simplicity. XEQT is heavier on USA than Canadian. One thing I noted is VEQT has a turnover rate of 15.9% as of June 30, 2020. I’d be very happy if our RESPs end up greater than $250k by the time our kids start post secondary education. In practice for our clients, they don’t really know exactly what education will cost. However, you can withdraw from the RESP and buy similar investments in an “in trust for” (ITF) account for your child just until the markets recover. XEQT vs VEQT. Between VEQT and XEQT, the top 10 holdings are very similar. I've recently come across XEQT, which has lower MER fees than VEQT (0.18 vs 0.22), and I prefer the allocations (25% Canada in XEQT vs 30% Canada in VEQT). Find the latest ISHARES CORE EQUITY ETF (XEQT.TO) stock quote, history, news and other vital information to help you with your stock trading and investing. VEQT vs XAW. HGRO’s net assets are also a lot lower than XEQT even though the two ETFs started only a month apart. “Unlike a traditional physical replication ETF that typically purchases the securities found in the relevant index in the same proportions as the index, most Horizons TRI ETFs use a synthetic structure that never buys the securities of an index directly. Given there are a number of all equity ETFs available for Canadians, which one should we pick if we go with the all equity ETF strategy? These types of situations have to be looked at uniquely for every client. XEQT’s top 10 holdings are slightly different compared to VEQT. It is a well known fact that the Canadian market consists of a large percentage of companies in the Energy sector. VEQT has a 0.22% management fee (compared to 0.18% for XEQT), and a MER of 0.25% (compared to 0.20% for XEQT). Quarterly distributions with yield ~ 1.5%. HGRO has very low average trading volume compared to VEQT and XEQT. Share: 1 reply. From the sector exposure point of view, HGRO is highly concentrated in Technology. Thank you. VEQT is designed for investors who have an above-average risk tolerance and who are okay with a portfolio that is entirely invested in stocks. XEQT has a slightly higher exposure to tech stocks in the top 10 (8.88%) compared to VEQT’s 8.19%. Over half of its market allocation is in the US. Since HGRO does not actually hold any stocks, it is not possible to determine the top 10 holdings. Financial Independence Retire Early Canada Interviews, Redefine Financial Independence Retire Early, how to easily outperform investment advisor & robo-advisor, Dan at Canadian Couch Potato, the low trading volume for ETFs shouldn’t be a concern, TFSA Over contribution…What to do. iShares continues to give a little more weight to the USA exposure over the Canadian side of things, with virtually equal weighting given to the international scene. XEQT iShares Core Equity ETF Portfolio NAV as of Dec 4, 2020 CAD 23.41 52 WK: 15.77 - 23.41 1 Day NAV Change as of Dec 4, 2020 0.11 (0.45%) Overview; Performance; Key Facts; Holdings; Exposure Breakdowns; Listings; Literature; Overview. However, since the fund only holds EFTs that obtain synthetic exposure via total return swap, we can infer that the TER is primarily composed of the swap fee associated with those transactions. You’d be able to recover it if you hold it in a taxable account (as foreign tax credit). BB 0.00%. XEQT has less holdings at 9000, while VEQT has 12,500. XEQT. VEQT vs. XEQT vs. HGRO Equity ETFs. high enough to cover the cost of the underlying ETFs, whose costs are rebated to avoid double charging the investor). BBB 0.00%. However, since our kids are still quite young, it means we won’t be making withdrawals for at least 12 years. This is my best educated guess. For this comparison we will take a look at the returns between Sep 19, 2019 to Sep 25, 2020 between all three ETFs (Yahoo Finance only has HGRO closing price from Sep 19, 2019). Our current RESP plan is as below. VEQT vs XEQT. Which program will they go into? There is built-in global equity diversification. Let’s compare VEQT vs. XEQT vs. HGRO and see which one is most suitable. VFV has done very well since inception - is it worth it to go to VEQT (or XAW for that matter) instead for the geographical diversification outside of US? 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. So, by having more exposure to the Canadian market, it probably causes VEQT to have a higher exposure to the Energy sector. ( i.e for me up greater than $ 250k by the time period that we examined HGRO! A total return index ( TRI ) ETFs from Morningstar so we can see, the fund has a management. 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