Ideas & Insights Our Advisors Our Teams Resources White Papers eBook Market Statistics Model Portfolios Important Documents Recommended Readings Calculators What We Do Who We Are Our Story Our Board Members Management Team Governance & Internal Controls Compliance Safe-Keeping your Assets World Class Partners Research Department Perspective Newsletter Careers Contact Us Evidence Based Investing Team Toronto Model ETF Portfolios – September 30, 2020 Download this Document 80% bonds - 20% stocks 70% bonds - 30% stocks 60% bonds - 40% stocks 50% bonds - 50% stocks 40% bonds - 60% stocks 30% bonds - 70% stocks 20% bonds - 80% stocks 10% bonds - 90% stocks 100% stocks Model ETF Portfolio Performance 80% bonds - 20% stocks YTD Return 6.37% 1-Year Total Return 6.89% 3-Year Annualized Return 6.20% 5-Year Annualized Return 5.13% 10-Year Annualized Return 5.30% 20-Year Annualized Return 5.49% 25-Year Annualized Return 6.44% Lowest 1-Year Return (03/2008-02/2009) -3.87% 25-Year Annualized Standard Deviation 4.24% Security Name 80% bonds - 20% stocks BMO Aggregate Bond Index ETF 80.00% Vanguard FTSE Canada All Cap Index ETF 7.00% iShares Core S&P U.S. Total Market Index ETF 7.00% iShares Core MSCI EAFE IMI Index ETF 4.00% iShares Core MSCI Emerging Markets IMI Index ETF 2.00% Management Expense Ratio (MER) 0.09% Model ETF Portfolio Performance 70% bonds - 30% stocks YTD Return 5.58% 1-Year Total Return 6.80% 3-Year Annualized Return 6.26% 5-Year Annualized Return 5.59% 10-Year Annualized Return 5.86% 20-Year Annualized Return 5.52% 25-Year Annualized Return 6.63% Lowest 1-Year Return (03/2008-02/2009) -7.80% 25-Year Annualized Standard Deviation 4.87% Security Name 70% bonds - 30% stocks BMO Aggregate Bond Index ETF 70.00% Vanguard FTSE Canada All Cap Index ETF 10.00% iShares Core S&P U.S. Total Market Index ETF 10.00% iShares Core MSCI EAFE IMI Index ETF 7.00% iShares Core MSCI Emerging Markets IMI Index ETF 3.00% Management Expense Ratio (MER) 0.09% Model ETF Portfolio Performance 60% bonds - 40% stocks YTD Return 4.83% 1-Year Total Return 6.72% 3-Year Annualized Return 6.41% 5-Year Annualized Return 6.10% 10-Year Annualized Return 6.50% 20-Year Annualized Return 5.50% 25-Year Annualized Return 6.81% Lowest 1-Year Return (03/2008-02/2009) -11.55% 25-Year Annualized Standard Deviation 5.67% Security Name 60% bonds - 40% stocks BMO Aggregate Bond Index ETF 60.00% Vanguard FTSE Canada All Cap Index ETF 13.00% iShares Core S&P U.S. Total Market Index ETF 14.00% iShares Core MSCI EAFE IMI Index ETF 10.00% iShares Core MSCI Emerging Markets IMI Index ETF 3.00% Management Expense Ratio (MER) 0.10% Model ETF Portfolio Performance 50% bonds - 50% stocks YTD Return 4.04% 1-Year Total Return 6.56% 3-Year Annualized Return 6.46% 5-Year Annualized Return 6.56% 10-Year Annualized Return 7.01% 20-Year Annualized Return 5.49% 25-Year Annualized Return 6.98% Lowest 1-Year Return (03/2008-02/2009) -15.47% 25-Year Annualized Standard Deviation 6.64% Security Name 50% bonds - 50% stocks BMO Aggregate Bond Index ETF 50.00% Vanguard FTSE Canada All Cap Index ETF 17.00% iShares Core S&P U.S. Total Market Index ETF 17.00% iShares Core MSCI EAFE IMI Index ETF 12.00% iShares Core MSCI Emerging Markets IMI Index ETF 4.00% Management Expense Ratio (MER) 0.10% Model ETF Portfolio Performance 40% bonds - 60% stocks YTD Return 3.25% 1-Year Total Return 6.42% 3-Year Annualized Return 6.49% 5-Year Annualized Return 7.00% 10-Year Annualized Return 7.52% 20-Year Annualized Return 5.44% 25-Year Annualized Return 7.09% Lowest 1-Year Return (03/2008-02/2009) -19.33% 25-Year Annualized Standard Deviation 7.68% Security Name 40% bonds - 60% stocks BMO Aggregate Bond Index ETF 40.00% Vanguard FTSE Canada All Cap Index ETF 20.00% iShares Core S&P U.S. Total Market Index ETF 20.00% iShares Core MSCI EAFE IMI Index ETF 15.00% iShares Core MSCI Emerging Markets IMI Index ETF 5.00% Management Expense Ratio (MER) 0.10% Model ETF Portfolio Performance 30% bonds - 70% stocks YTD Return 2.56% 1-Year Total Return 6.38% 3-Year Annualized Return 6.61% 5-Year Annualized Return 7.51% 10-Year Annualized Return 8.10% 20-Year Annualized Return 5.39% 25-Year Annualized Return 7.22% Lowest 1-Year Return (03/2008-02/2009) -23.08% 25-Year Annualized Standard Deviation 8.78% Security Name 30% bonds - 70% stocks BMO Aggregate Bond Index ETF 30.00% Vanguard FTSE Canada All Cap Index ETF 23.00% iShares Core S&P U.S. Total Market Index ETF 24.00% iShares Core MSCI EAFE IMI Index ETF 17.00% iShares Core MSCI Emerging Markets IMI Index ETF 6.00% Management Expense Ratio (MER) 0.11% Model ETF Portfolio Performance 20% bonds - 80% stocks YTD Return 1.77% 1-Year Total Return 6.17% 3-Year Annualized Return 6.63% 5-Year Annualized Return 7.95% 10-Year Annualized Return 8.57% 20-Year Annualized Return 5.30% 25-Year Annualized Return 7.31% Lowest 1-Year Return (03/2008-02/2009) -26.93% 25-Year Annualized Standard Deviation 9.94% Security Name 20% bonds - 80% stocks BMO Aggregate Bond Index ETF 20.00% Vanguard FTSE Canada All Cap Index ETF 27.00% iShares Core S&P U.S. Total Market Index ETF 27.00% iShares Core MSCI EAFE IMI Index ETF 19.00% iShares Core MSCI Emerging Markets IMI Index ETF 7.00% Management Expense Ratio (MER) 0.11% Model ETF Portfolio Performance 10% bonds - 90% stocks YTD Return 0.97% 1-Year Total Return 5.98% 3-Year Annualized Return 6.63% 5-Year Annualized Return 8.37% 10-Year Annualized Return 9.05% 20-Year Annualized Return 5.16% 25-Year Annualized Return 7.34% Lowest 1-Year Return (03/2008-02/2009) -30.72% 25-Year Annualized Standard Deviation 11.11% Security Name 10% bonds - 90% stocks BMO Aggregate Bond Index ETF 10.00% Vanguard FTSE Canada All Cap Index ETF 30.00% iShares Core S&P U.S. Total Market Index ETF 30.00% iShares Core MSCI EAFE IMI Index ETF 22.00% iShares Core MSCI Emerging Markets IMI Index ETF 8.00% Management Expense Ratio (MER) 0.12% Model ETF Portfolio Performance 100% stocks YTD Return 0.28% 1-Year Total Return 5.89% 3-Year Annualized Return 6.73% 5-Year Annualized Return 8.86% 10-Year Annualized Return 9.60% 20-Year Annualized Return 5.02% 25-Year Annualized Return 7.39% Lowest 1-Year Return (03/2008-02/2009) -34.41% 25-Year Annualized Standard Deviation 12.32% Security Name 100% stocks BMO Aggregate Bond Index ETF 0.00% Vanguard FTSE Canada All Cap Index ETF 33.00% iShares Core S&P U.S. Total Market Index ETF 34.00% iShares Core MSCI EAFE IMI Index ETF 24.00% iShares Core MSCI Emerging Markets IMI Index ETF 9.00% Management Expense Ratio (MER) 0.12% Published: 2020-11-4 This document provides the performance data for the Model ETF Portfolios as of September 2020, as compiled by the Toronto team. For illustration purposes only. Actual client portfolios may be different. The PWL Model Portfolios have relatively short track records. However, they often track indexes with a longer history, so whenever fund returns were not available, we used the underlying index returns and subtracted the current management expense ratio of the fund. In a number of cases, we have had to approximate the returns of the asset classes using other indexes. All returns are in Canadian dollars and the portfolios are rebalanced annually. Past performance does not guarantee future results. The historical performance of indexes is illustrative only and is not necessarily a reflection of the future performance of any fund tracking that benchmark. Download this Document Contributors Justin Bender ,CFA, CFP, B.Comm., Portfolio Manager With more than a decade of experience managing portfolios, Justin is focused on keeping costs and taxes low for his clients. His skills as an analyst and researcher have made him widely respected in the ETF industry. Toronto Team IIROC AdvisorReport Ideas & Insights Our Advisors Our Teams Resources All Resources White Papers eBook Market Statistics Important Documents Model Portfolios Recommended Readings Calculators Checklists What We Do Who We Are Our Story Our Board Members Management Team Governance & Internal Controls Compliance World Class Partners Research Department Contact Us Client Login PWL Wealth Centrenew My Portfolio + FR
Justin Bender ,CFA, CFP, B.Comm., Portfolio Manager With more than a decade of experience managing portfolios, Justin is focused on keeping costs and taxes low for his clients. His skills as an analyst and researcher have made him widely respected in the ETF industry.