Holding phone

Brand name funds Handpicked to deliver the best overall value.

How do we select our ETFs? 

  • Track error minimization to mirror the index. 
  • Select higher trading volume ETFs for best pricing. 
  • Prioritize  funds with higher assets under management. 
  • All else equal, we choose the ETF with the lower share price. 
  • Consider country of origin to reduce currency exchange charges. 
  • Verify successful performance history.
  • Find the lowest MER possible.

Our portfolios

Portfolio details as of December 31, 2021

Safety ETF Portfolio

This portfolio is for those with a low-risk tolerance, have a short investment horizon and are comfortable with the majority of the portfolio invested in fixed income and equity.

Asset Allocation

This portfolio is invested in the following assets. Asset allocation as of December 31, 2021
Stocks - 29%
Subcategory of Stocks
  • Canadian Equities
    10%
  • U.S. Equities
    9%
  • International Equities
    10%
Bonds - 71%
Subcategory of Bonds
  • Corporate Bonds
    37%
  • Government Bonds
    29%
  • High-Yield Bonds
    5%

Fund Allocation

This portfolio is invested in the following securities.

Fund

Symbol

Weighting

Vanguard Canadian Short-Term Bond ETF (Factsheet)

VSB

42.0%

BMO Mid-Term US IG Corp Bond Hdgd to CAD ETF (Factsheet)

ZMU

12.0%

BMO Mid Corporate Bond ETF (Factsheet)

ZCM

12.0%

Horizons S&P/TSX 60 ETF (Factsheet)

HXT

10.0%

iShares Core MSCI EAFE IMI ETF (Factsheet)

XEF

10.0%

Horizons S&P 500 ETF (Factsheet)

HXS

9.0%

BMO High-Yield US Corporate Bond (Factsheet)

ZHY

5.0%

Portfolio MER: 0.18%

Portfolio performance is not guaranteed. The value of your investment can go down, up and change frequently. Past performance is not indicative of future returns. There may be significant differences between the investment portfolios that are not discussed here, including different investment objectives and risk factors. You should always consider, in any investment decision, your investment objectives, needs, circumstances, restrictions, tolerance for risk, financial goals and investment time frame.

Although CI Direct Investing believes the obtained information provided from third-party sources to be reliable, CI Direct Investing does not guarantee the information and disclaims any liability associated with the use of these performance results. Source: Morningstar Direct. For full details of calculation please contact: [email protected].

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Conservative ETF Portfolio

This portfolio is for those with a low to medium risk tolerance, have a short to intermediate investment horizon and are comfortable with the majority of the portfolio invested in fixed income and equity.

Asset Allocation

This portfolio is invested in the following assets. Asset allocation as of December 31, 2021
Stocks - 45%
Subcategory of Stocks
  • Canadian Equities
    16%
  • U.S. Equities
    13%
  • International Equities
    13%
  • Emerging Markets
    3%
Bonds - 55%
Subcategory of Bonds
  • Corporate Bonds
    30%
  • Government Bonds
    19%
  • High-Yield Bonds
    6%

Fund Allocation

This portfolio is invested in the following securities.

Fund

Symbol

Weighting

Vanguard Canadian Short-Term Bond ETF (Factsheet)

VSB

27.0%

Horizons S&P/TSX 60 ETF (Factsheet)

HXT

16.0%

Horizons S&P 500 ETF  (Factsheet)

HXS

13.0%

iShares Core MSCI EAFE IMI ETF (Factsheet)

XEF

13.0%

BMO Mid-Term US IG Corp Bond Hdgd to CAD ETF (Factsheet)

ZMU

11.0%

BMO Mid Corporate Bond ETF (Factsheet)

ZCM

11.0%

BMO High Yld US Corp Bd Hdgd to CAD ETF  (Factsheet)

ZHY

6.0%

BMO MSCI Emerging Markets ETF (Factsheet

ZEM

3.0%

Portfolio MER: 0.19%

Portfolio performance is not guaranteed. The value of your investment can go down, up and change frequently. Past performance is not indicative of future returns. There may be significant differences between the investment portfolios that are not discussed here, including different investment objectives and risk factors. You should always consider, in any investment decision, your investment objectives, needs, circumstances, restrictions, tolerance for risk, financial goals and investment time frame.

Although CI Direct Investing believes the obtained information provided from third-party sources to be reliable, CI Direct Investing does not guarantee the information and disclaims any liability associated with the use of these performance results. Source: Morningstar Direct. For full details of calculation please contact: [email protected].

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Balanced ETF Portfolio

This portfolio is for those with a medium risk tolerance, have an intermediate investment horizon and are comfortable with a diversified portfolio invested in fixed income, equity, real estate and alternatives.

Asset Allocation

This portfolio is invested in the following assets. Asset allocation as of December 31, 2021
Stocks - 65%
Subcategory of Stocks
  • Canadian Equities
    22%
  • U.S. Equities
    21%
  • International Equities
    17%
  • Emerging Markets
    5%
Bonds - 35%
Subcategory of Bonds
  • Corporate Bonds
    16%
  • Government Bonds
    12%
  • High-Yield Bonds
    7%

Fund Allocation

This portfolio is invested in the following securities.

Fund

Symbol

Weighting

Horizons S&P/TSX 60 ETF  (Factsheet)

HXT

22.0%

Horizons S&P 500 ETF (Factsheet)

HXS

21.0%

iShares Core MSCI EAFE IMI ETF (Factsheet)

XEF

17.0%

Vanguard Canadian Short-Term Bond ETF (Factsheet)

VSB

17.0%

BMO High Yld US Corp Bd Hdgd to CAD ETF (Factsheet)

ZHY

7.0%

BMO Mid Corporate Bond Index ETF (Factsheet)

ZCM

5.5%

BMO Mid-Term US IG Corp Bd Hdgd to CAD Index ETF (Factsheet)

ZMU

5.5%

BMO MSCI Emerging Markets ETF (Factsheet)

ZEM

5.0%

Portfolio MER: 0.17%

The performance provided is for informational purposes only and is not to be considered as investment advice. Portfolio performance is not guaranteed. The value of your investment can go down, up and change frequently. Past performance is not indicative of future returns. There may be significant differences between the investment portfolios that are not discussed here, including different investment objectives and risk factors. You should always consider, in any investment decision, your investment objectives, needs, circumstances, restrictions, tolerance for risk, financial goals and investment time frame.

Although CI Direct Investing believes the obtained information provided from third-party sources to be reliable, CI Direct Investing does not guarantee the information and disclaims any liability associated with the use of these performance results. Source: Morningstar Direct. For full details of calculation please contact: [email protected].

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Growth ETF Portfolio

This portfolio is for those with a medium risk tolerance, have an intermediate to long term investment horizon and are comfortable with the majority of the portfolio invested in equity, real estate and alternatives.

Asset Allocation

This portfolio is invested in the following assets. Asset allocation as of December 31, 2021
Stocks - 74%
Subcategory of Stocks
  • Canadian Equities
    25%
  • U.S. Equities
    23%
  • International Equities
    19%
  • Emerging Markets
    7%
Bonds - 26%
Subcategory of Bonds
  • Corporate Bonds
    12%
  • Government Bonds
    6%
  • High-Yield Bonds
    8%

Fund Allocation

This portfolio is invested in the following securities.

Fund

Symbol

Weighting

Horizons S&P/TSX 60 ETF (Factsheet)

HXT

25.0%

Horizons S&P 500 ETF (Factsheet)

HXS

23.0%

iShares Core MSCI EAFE IMI (Factsheet)

XEF

19.0%

Vanguard Canadian Short-Term Bond ETF (Factsheet)

VSB

9.0%

BMO High Yld US Corp Bd Hdgd to CAD ETF (Factsheet)

ZHY

8.0%

BMO MSCI Emerging Markets ETF (Factsheet

ZEM

7.0%

BMO Mid Corporate Bond Index ETF (Factsheet)

ZCM

5.0%

BMO Mid-Term US IG Corporate Hedged to CAD Index ETF (Factsheet)

ZMU

4.0%

Portfolio MER: 0.18%

Portfolio performance is not guaranteed. The value of your investment can go down, up and change frequently. Past performance is not indicative of future returns. There may be significant differences between the investment portfolios that are not discussed here, including different investment objectives and risk factors. You should always consider, in any investment decision, your investment objectives, needs, circumstances, restrictions, tolerance for risk, financial goals and investment time frame.

Although CI Direct Investing believes the obtained information provided from third-party sources to be reliable, CI Direct Investing does not guarantee the information and disclaims any liability associated with the use of these performance results. Source: Morningstar Direct. For full details of calculation please contact: [email protected].

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Aggressive ETF Portfolio

This portfolio is for those with a medium to high risk tolerance, have a long term investment horizon and are comfortable with the majority of the portfolio invested in equity and real estate.

Asset Allocation

This portfolio is invested in the following assets. Asset allocation as of December 31, 2021
Stocks - 82%
Subcategory of Stocks
  • Canadian Equities
    28%
  • U.S. Equities
    26%
  • International Equities
    19%
  • Emerging Markets
    9%
Bonds - 18%
Subcategory of Bonds
  • Corporate Bonds
    8%
  • High-Yield Bonds
    10%

Fund Allocation

This portfolio is invested in the following securities.

Fund

Symbol

Weighting

Horizons S&P/TSX 60 ETF (Factsheet)

HXT

28.0%

Horizons S&P 500 ETF (Factsheet)

HXS

26.0%

iShares Core MSCI EAFE IMI (Factsheet)

XEF

19.0%

BMO High Yld US Corp Bd Hdgd to CAD ETF (Factsheet)

ZHY

10.0%

BMO High Yld US Corp Bd Hdgd to CAD ETF (Factsheet)

ZEM

9.0%

BMO Mid Corporate Bond Index ETF (Factsheet)

ZCM

4.0%

BMO Mid-Term US IG Corporate Bond Hedged to CAD Index ETF (Factsheet)

ZMU

4.0%

Portfolio MER: 0.18%

Portfolio performance is not guaranteed. The value of your investment can go down, up and change frequently. Past performance is not indicative of future returns. There may be significant differences between the investment portfolios that are not discussed here, including different investment objectives and risk factors. You should always consider, in any investment decision, your investment objectives, needs, circumstances, restrictions, tolerance for risk, financial goals and investment time frame.

Although CI Direct Investing believes the obtained information provided from third-party sources to be reliable, CI Direct Investing does not guarantee the information and disclaims any liability associated with the use of these performance results. Source: Morningstar Direct. For full details of calculation please contact: [email protected].

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* This compares the average cost of investing in CI Direct Investing’s Balanced ETF Portfolio against the average cost of investing with mutual funds of 1.93%. CI Direct Investing’s cost is based on the annualized portfolio management fee on $25,000 (0.60%) and the weighted management expense ratio (0.25%) of the ETF holdings in the Balanced ETF Portfolio. Source: Monitoring Trends in Mutual Fund Cost of Ownership and Expense Ratios – Strategic Insights, June 2019