The Mercer Invest Wise Balanced portfolio has around a 60% equity allocation. The balanced portfolio is suitable for an investor with a medium risk tolerance. If you are willing to accept a fair amount of turbulence and losses for moderate growth in the long term, this portfolio is for you.
Our balanced portfolio has 60% exposure to equities and 40% exposure to fixed income or bonds. Your portfolio will be invested in the following funds:
|BlackRock iShares Core S&P/TSX Capped Composite Index ETF||XIC||Over 250 Canadian equities representing 95% of the Canadian equity market||6.75%|
|Vanguard Total Stock Market ETF||VTI||Over 3500 large, medium, small and micro-cap companies mirroring the US equity market||15.30%|
|BlackRock iShares Core MSCI EAFE IMI Index ETF||XEF||Over 2800 large, medium and small-cap companies across developed market countries, excluding the US and Canada||8.50%|
|BlackRock iShares Core MSCI Emerging Markets ETF||IEMG||Over 2300 large, mid, and small-cap stocks in more than 20 emerging markets||3.20%|
|Schwab U.S. Small-Cap ETF||SCHA||Over 1700 US small-cap companies||4.00%|
|Vanguard FTSE All-World ex-U.S. Small-Cap ETF||VSS||Over 3500 global small-cap companies, excluding the US||2.75%|
|BlackRock iShares Edge Min Vol Global ETF||ACWV||Global large and mid-cap equity strategy designed to minimize volatility||13.50%|
|BlackRock iShares Global Real Estate Index ETF||CGR||Global publicly traded real estate companies||3.00%|
|SPDR S&P Global Infrastructure ETF||GII||Global publicly traded infrastructure-related companies||3.00%|
|BlackRock iShares Core Canadian Short Term Corp+Mpl Bond Index ETF||XSH||Short-term Canadian corporate bonds||10.00%|
|BlackRock iShares Core Canadian Universe Bond Index ETF||XBB||Broad universe of Canadian government and corporate bonds||30.00%|
The MER of this portfolio is 0.14%. The indicated dividend yield of this portfolio is 2.55%
If you have a goal (buying a home, saving for a big purchase, etc..) that's about 5-10 years away and are comfortable with some fluctuations in your account. This portfolio is ideal for the following situations:
- If you're retired and are comfortable with some fluctuations in your account.
- If you have a longer-term goal (10+ years) and are willing to take some risks to ensure your funds grow adequately over time but aren't comfortable with very large fluctuations in your account.
- If you have a longer-term goal (10+ years) and are willing to take some risks to ensure your funds grow adequately over time but haven’t had experience with investing or account fluctuations before. This can be a great portfolio for first-time investors.
If you feel like one of your accounts should be in the Mercer Invest Wise balanced portfolio but isn't at the moment, you can submit a request here.