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Yahoo
a day ago
- Business
- Yahoo
All in on ETFs? Experts share how to diversify your portfolio — without overdoing it
TORONTO — Exchange-traded funds have exploded in popularity, and so have investment strategies based only on ETFs, but some investors might be wondering whether that could lead to their portfolio being too diversified. Financial experts say allocating an entire portfolio to ETFs can be a viable strategy, but it's important for investors to know what holdings are in the funds they're buying. When looking at portfolio diversification for ETF-focused investors, Jonathan Rivard, general principal at Edward Jones, said it's important to consider the individual's time horizon and risk appetite. 'You could absolutely be 100 per cent invested in ETFs. But you want to know what's in the ETF and what the allocation looks like. Some ETFs will be balanced; they'll have a mix of stocks and bonds in them. Some will be sector products,' Rivard said. 'The important thing comes down to understanding what does this basket hold? And if I own multiple ETFs, what does it look like across multiple ETFs in terms of asset allocation?' Prerna Mathews, Mackenzie Investments' vice-president of ETF product strategy, said there are a few key points to keep in mind regarding diversification, notably, it is important to think beyond just diversifying by geography. 'So (if) you're starting with the core Canadian, U.S., international exposure, don't stop there. Think about how fixed income plays a role in your portfolio, real assets, there are thematic products, and there are alternative ETFs. There are a lot of different drivers of return that can be added to a portfolio available in ETF form,' she said. Another consideration is buying ETFs with different investment styles, she said, which may include combining traditional index ETFs with others that are actively managed or have low volatility. Time horizon is also an important consideration, where those with a longer investment horizon may want to focus on growth, she said, taking on more risk with higher equity exposure. Regarding fixed income, Mathews said to be aware of the differences between short- and longer-term yields, adding that most investors will likely not have exposure to every duration of fixed income and should know the relevant trade-offs. 'In some cases, you can get a very attractive yield at the short end of the curve without taking on significant risk as you would on the long end,' she said. 'Really understanding the trade-off there and likely having some short-term fixed income in the portfolio would be viable. But aggregate bonds over a 30-year time period are generally a good place to be.' Mathews said there is also a growing number of investors opting for an asset allocation ETF. She said this type of ETF is essentially eight to 12 ETFs 'all packaged up in one,' and has served as a core holding for those looking for a 'set it and forget it" investment. Despite the benefits of diversification, Mathews said there are dangers to being overly diversified. This might occur for someone investing in Canadian equities through an ETF but also buying into an asset allocation ETF, Mathews said. In that case, the investor may end up with more Canadian equity exposure than anticipated. Similarly, with the TSX financials sector representing around 30 per cent of the overall index, an investor with a TSX-focused ETF and a Canadian banks-focused ETF could end up with too much exposure to Canadian bank stocks. 'There is a risk of having too much product in your portfolio. Sometimes that can creep up on us when we're not doing a full look through to what each ETF might be investing in,' she said. This report by The Canadian Press was first published July 24, 2025. Daniel Johnson, The Canadian Press Sign in to access your portfolio
Winnipeg Free Press
a day ago
- Business
- Winnipeg Free Press
All in on ETFs? Experts share how to diversify your portfolio — without overdoing it
TORONTO – Exchange-traded funds have exploded in popularity, and so have investment strategies based only on ETFs, but some investors might be wondering whether that could lead to their portfolio being too diversified. Financial experts say allocating an entire portfolio to ETFs can be a viable strategy, but it's important for investors to know what holdings are in the funds they're buying. When looking at portfolio diversification for ETF-focused investors, Jonathan Rivard, general principal at Edward Jones, said it's important to consider the individual's time horizon and risk appetite. 'You could absolutely be 100 per cent invested in ETFs. But you want to know what's in the ETF and what the allocation looks like. Some ETFs will be balanced; they'll have a mix of stocks and bonds in them. Some will be sector products,' Rivard said. 'The important thing comes down to understanding what does this basket hold? And if I own multiple ETFs, what does it look like across multiple ETFs in terms of asset allocation?' Prerna Mathews, Mackenzie Investments' vice-president of ETF product strategy, said there are a few key points to keep in mind regarding diversification, notably, it is important to think beyond just diversifying by geography. 'So (if) you're starting with the core Canadian, U.S., international exposure, don't stop there. Think about how fixed income plays a role in your portfolio, real assets, there are thematic products, and there are alternative ETFs. There are a lot of different drivers of return that can be added to a portfolio available in ETF form,' she said. Another consideration is buying ETFs with different investment styles, she said, which may include combining traditional index ETFs with others that are actively managed or have low volatility. Time horizon is also an important consideration, where those with a longer investment horizon may want to focus on growth, she said, taking on more risk with higher equity exposure. Regarding fixed income, Mathews said to be aware of the differences between short- and longer-term yields, adding that most investors will likely not have exposure to every duration of fixed income and should know the relevant trade-offs. 'In some cases, you can get a very attractive yield at the short end of the curve without taking on significant risk as you would on the long end,' she said. 'Really understanding the trade-off there and likely having some short-term fixed income in the portfolio would be viable. But aggregate bonds over a 30-year time period are generally a good place to be.' Mathews said there is also a growing number of investors opting for an asset allocation ETF. She said this type of ETF is essentially eight to 12 ETFs 'all packaged up in one,' and has served as a core holding for those looking for a 'set it and forget it' investment. Monday Mornings The latest local business news and a lookahead to the coming week. Despite the benefits of diversification, Mathews said there are dangers to being overly diversified. This might occur for someone investing in Canadian equities through an ETF but also buying into an asset allocation ETF, Mathews said. In that case, the investor may end up with more Canadian equity exposure than anticipated. Similarly, with the TSX financials sector representing around 30 per cent of the overall index, an investor with a TSX-focused ETF and a Canadian banks-focused ETF could end up with too much exposure to Canadian bank stocks. 'There is a risk of having too much product in your portfolio. Sometimes that can creep up on us when we're not doing a full look through to what each ETF might be investing in,' she said. This report by The Canadian Press was first published July 24, 2025.
Hamilton Spectator
a day ago
- Business
- Hamilton Spectator
All in on ETFs? Experts share how to diversify your portfolio — without overdoing it
TORONTO - Exchange-traded funds have exploded in popularity, and so have investment strategies based only on ETFs, but some investors might be wondering whether that could lead to their portfolio being too diversified. Financial experts say allocating an entire portfolio to ETFs can be a viable strategy, but it's important for investors to know what holdings are in the funds they're buying. When looking at portfolio diversification for ETF-focused investors, Jonathan Rivard, general principal at Edward Jones, said it's important to consider the individual's time horizon and risk appetite. 'You could absolutely be 100 per cent invested in ETFs. But you want to know what's in the ETF and what the allocation looks like. Some ETFs will be balanced; they'll have a mix of stocks and bonds in them. Some will be sector products,' Rivard said. 'The important thing comes down to understanding what does this basket hold? And if I own multiple ETFs, what does it look like across multiple ETFs in terms of asset allocation?' Prerna Mathews, Mackenzie Investments' vice-president of ETF product strategy, said there are a few key points to keep in mind regarding diversification, notably, it is important to think beyond just diversifying by geography. 'So (if) you're starting with the core Canadian, U.S., international exposure, don't stop there. Think about how fixed income plays a role in your portfolio, real assets, there are thematic products, and there are alternative ETFs. There are a lot of different drivers of return that can be added to a portfolio available in ETF form,' she said. Another consideration is buying ETFs with different investment styles, she said, which may include combining traditional index ETFs with others that are actively managed or have low volatility. Time horizon is also an important consideration, where those with a longer investment horizon may want to focus on growth, she said, taking on more risk with higher equity exposure. Regarding fixed income, Mathews said to be aware of the differences between short- and longer-term yields, adding that most investors will likely not have exposure to every duration of fixed income and should know the relevant trade-offs. 'In some cases, you can get a very attractive yield at the short end of the curve without taking on significant risk as you would on the long end,' she said. 'Really understanding the trade-off there and likely having some short-term fixed income in the portfolio would be viable. But aggregate bonds over a 30-year time period are generally a good place to be.' Mathews said there is also a growing number of investors opting for an asset allocation ETF. She said this type of ETF is essentially eight to 12 ETFs 'all packaged up in one,' and has served as a core holding for those looking for a 'set it and forget it' investment. Despite the benefits of diversification, Mathews said there are dangers to being overly diversified. This might occur for someone investing in Canadian equities through an ETF but also buying into an asset allocation ETF, Mathews said. In that case, the investor may end up with more Canadian equity exposure than anticipated. Similarly, with the TSX financials sector representing around 30 per cent of the overall index, an investor with a TSX-focused ETF and a Canadian banks-focused ETF could end up with too much exposure to Canadian bank stocks. 'There is a risk of having too much product in your portfolio. Sometimes that can creep up on us when we're not doing a full look through to what each ETF might be investing in,' she said. This report by The Canadian Press was first published July 24, 2025.
Associated Press
2 days ago
- Business
- Associated Press
Edward Jones Adds 53 Separately Managed Accounts to its Managed Account Platform
Firm nearly doubles SMA offerings in first half of year ST. LOUIS, July 23, 2025 /PRNewswire/ -- As Edward Jones continues to build out its suite of advisory offerings, including financial planning services, it is significantly increasing the number of separately managed accounts it offers, aiming to nearly triple the number of available strategies by year-end. Expanding the SMAs offered, exclusively through the Edward Jones Advisory Solutions® Unified Managed Account (UMA) Models advisory program, will enhance the UMA's innovative capabilities, such as a fully integrated direct index in its UMA, ongoing tax management and the ability to tailor portfolios to clients' values and preferences. 'We believe in supporting choice for our financial advisors and our clients,' said Russ Tipper, Edward Jones Principal and Head of Products. 'Continually evolving our product and service offerings emphasizes the firm's focus on increasing flexible, customizable investment solutions that align with clients' investment needs in connection with their financial goals.' Tipper said the firm expects to significantly increase client choice by adding more SMAs by the end of this year. Edward Jones first introduced SMAs as part of its managed account platform in 2011. 'We are committed to making our platform more flexible, accessible and tailored to the needs of our clients,' Tipper said. 'Our financial advisors consistently highlight how these enhancements help empower clients work toward achieving their financial goals with greater personalization and confidence.' One of the most distinct features of the UMA platform is the integration of direct indexing within a single UMA account, which Edward Jones has been offering clients since 2020. And as part of the expansion, it now offers eight Direct Indexing SMAs across different asset classes and styles that can be paired with other SMAs for more robust customization. 'This innovation allows clients to choose from expertly curated research models or design fully customized portfolios that seamlessly combine active and passive SMAs within a single account, delivering flexibility and personalization,' Tipper said. By combining multiple SMAs and other eligible investments offered in the program, like mutual funds, ETFs, and, for certain clients, alternatives, in a single account, clients have access to diversified portfolios of professional managers as well as automatic rebalancing, coordinated tax management strategies and ongoing monitoring. The firm does not charge additional fees to access SMAs available in the Edward Jones Advisory Solutions® UMA Models advisory program but does charge clients of this program asset-based advisory fees, a platform fee and passes through the underlying fees charged by the manager of an SMA, investment minimums apply. About Edward Jones Edward Jones is a leading North American financial services firm in the U.S. and through its affiliate in Canada. The firm's more than 20,000 financial advisors throughout North America serve more than 9 million clients with a total of $2.2 trillion in client assets under care as of March 28, 2025. Edward Jones' purpose is to partner for positive impact to improve the lives of its clients and colleagues, and together, better our communities and society. Through the dedication of the firm's approximately 55,000 associates and our branch presence in 68% of U.S. counties and most Canadian provinces and territories, the firm is committed to helping more people achieve financially what is most important to them. The Edward Jones website is at , and its recruiting website is Member SIPC. View original content to download multimedia: SOURCE Edward Jones
Daily Mirror
6 days ago
- Daily Mirror
Missing man disappears suddenly as police make desperate cap plea
Edward Jones, 39, went missing several days ago as police launch an appeal to help find the man from Denbighshire, Wales - cops released an image of an item believed to be on Edward when he vanished A "kind" and "gentle" man suddenly disappeared as police make a desperate plea to the public over a cap. Edward Jones, 39, has been missing for several days and was last seen on July 13 as cops make a fresh appeal to help find the popular local man. The 39-year-old, who has been described as the "kindest gentlest loving person you could ever meet", was last believed to be in the Llyn Brenig area of North Wales. North Wales Police released an image of Edward and the cap he is believed to have been wearing when he was last seen. Inspector Rachel Hare revealed what the cap looked like and several other items the 39-year-old, from Denbighshire, Wales, was believed to have on him at the time he went missing. Hare said: "Edward is believed to be wearing the cap featured in this post, he is believed to be in possession of a fishing rod, a sleeping bag in a green cover, and an emergency blanket. "I would also like the public to report any sightings of these items, or any evidence of camping equipment in the vicinity of Llyn Brenig. If sighted the What Three Words would assist us in our enquiries." Cops have urged members of the public who have any information on Edward or have made any potential sightings to reach out on 101, quoting reference 51423. His partner Nia Evans is also urging anyone with information to help, according to North Wales Live. Nia said: "If anyone was travelling past Llyn Brenig, in that area and surrounding areas on Sunday 13th July from 6:30pm onwards and saw Edward, or anything you feel could help with finding him, please get in touch with North Wales Police as soon as possible. "We are missing him terribly and desperately need him home safe. Thank you. "We cannot describe how painful this is for us all not knowing where he is. He is the kindest gentlest loving person you could ever meet and we need him back safe as soon as possible." The Mirror has created a map in partnership with the Missing People charity as we launch our Missed campaign calling for better support and care for missing people and their loved ones. Missing People is the only UK charity dedicated to supporting missing children, adults and their loved ones. Its mission is to be a lifeline when someone disappears
