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Why do all your portfolios have the same ETFs?

For optimal risk-adjusted returns, the determination of various asset classes and the computation of the most appropriate mix of those asset classes is important. Because the same set of asset classes applies to all clients, the securities, such as ETFs, that represent those asset classes are the same for everyone.

Refer to our Investment Methodology page and ETF Investing knowledge resource for more information.

Also read the answers to the related questions:

• Why do you have ETFs only (apart from a nominal amount of cash) and no other financial instruments in your portfolios?
• Why do you use ETFs in your portfolio instead of individual stocks and bonds?