Greatest all-in-one ETFs for Canadian buyers 2025

When you lack the funding information, time or inclination to handle a handful of ETFs, this can be a nice choice. For charges as little as 0.2% of funds invested per 12 months, you get entry to the entire world of shares, bonds and typically different asset courses. You wouldn’t need to weary your self following the market gyrations we’ve seen thus far in 2025—simply set it and overlook it. By robotically rebalancing allocations to home and overseas shares and bonds, these one-decision ETFs scale back the work required by a DIY investor to remain on prime of the ebbs and flows of the underlying holdings.

Greatest all-in-one ETFs 2025

That mentioned, a few our Greatest ETFs in Canada judges defined why they weren’t massive followers. 

“Retail buyers are higher served by shopping for the part items themselves,” argues ETF judging panellist Mark Yamada, president and CEO of PUR Investing. The administration bills for Canadian and U.S. fairness, in addition to mounted revenue funds, are sometimes decrease than for all-in-one ETFs, and “the upper charges for auto-rebalancing aren’t price it.” 

ETF judging panellist Aman Raina of Sage Traders says he’s not in favour of utilizing any of the most important asset allocation funds proper now as a result of they skew so closely in the direction of North American equities. This has been the asset class most uncovered to tariff-related volatility this 12 months.

Nonetheless, one-decision ETFs can come in useful even for extra engaged buyers in smaller accounts. Traders utilizing tax-free financial savings accounts (TFSAs) and/or registered training financial savings plans (RESPs) might discover it makes much less sense to be juggling a number of investments and luxuriate in all-in-one ETFs. They’ll additionally make it simple for buyers who’re depositing or withdrawing cash usually from their accounts in order that they don’t have to determine what to purchase or promote.

The outcomes of the judging greatest ETFs train, with iShares Core Fairness Portfolio ETF (XEQT) on prime and 7 different funds shut behind, illustrates how there’s not a lot to decide on between the most important fund firms—iShares, BMO, Vanguard, TD and World X—on this class. We ended up resorting to a tiebreaker vote to give you the ultimate two selections listed beneath: iShares’ Core Balanced ETF Portfolio (XBAL) and TD’s distinctive Progress ETF Portfolio (TGRO).

What’s extra vital than the model is that you simply choose the asset allocation most acceptable to your threat tolerance. That’s, think about an all-equity fund for long-term capital appreciation and one thing with the next fixed-income allocation, like XBAL, for reasonable threat. And no matter your threat tolerance, should you would possibly want the cash sooner, a decrease inventory allocation could also be acceptable.

Watch: Asset-Allocation ETFs

Learn extra on investing:

About Michael McCullough

Michael is a monetary author and editor in Duncan, B.C. He’s a former managing editor of Canadian Enterprise and editorial director of Canada Broad Media. He additionally writes for The Globe and Mail and BCBusiness.