Choosing the Right ETF Portfolio

An Exchange-traded fund (“ETF”) is an investment fund that is traded on a stock exchange. ETFs are usually designed to track a specified index and they hold assets such as stocks, bonds or commodities that match the index. By buying a unit in the ETF, an investor can get exposure to all of the assets held by the ETF.

ETFs offer a low-cost, highly efficient way for individual investors to build portfolios with more flexibility, transparency and lower costs than traditional mutual funds.

Investor's Need
Investors who want long term capital growth

Target User
Users who are accumulating assets. Currently earning regular income which exceeds their living expenses. Do not have immediate need for large amounts of cash and want to save for a future property purchase or for retirement.

Goal
To achieve high return in the long term at similar level to growth of global equity market.

Reference Index
MSCI ACWI Index

Investor's Need
Investors who want low risk and regular income

Target User
Users who are retired. Currently not earning regular income so living expenses exceed income. Funding living expenses from pension or savings and hence want as much income as possible from portfolio. Also, do not want to take risk of large fall in value of portfolio.

Goal
To earn regular and stable levels of income with lower volatility in the market value of the portfolio.

Reference Index
Barclays Global Aggregate Index

Investor's Need
Investors who want to protect the real value of their assets.

Target User
Users with high net worth. Users are not concerned about being able to fund living expenses but want to avoid having the value of their assets eroded by inflation.

Goal
To protect the real value of the assets in the portfolio.

Reference Index
Import price index

Investor's Need
Investors who want long term capital growth through equity investment with positive environment, social, and governance characteristics.

Target User
A person who is accumulating assets. Currently earning regular income which exceeds their living expenses. Does not have immediate need for large amounts of cash and are interested to invest in ETFs which environmental, social and governance factors have been integrated into their investment process.

Goal
To achieve high return in the long term at a similar level to growth of the global equity market.

Reference Index
MSCI ACWI Index

Growth Portfolio

Code

Description

Provider

Expense Ratio %

EWU

ISHARES MSCI UNITED KINGDOM

BlackRock

0.50%

ETF Description
The iShares MSCI United Kingdom ETF tracks a market-cap-weighted index of British companies. It covers the top 85% of British companies by market cap.

EWT

ISHARES MSCI TAIWAN

BlackRock

0.59%

ETF Description
The iShares MSCI Taiwan ETF tracks an index of Taiwanese firms, covering the top 85% of the market and weighted by market cap subjected to diversification requirements.

EWJ

ISHARES MSCI JAPAN

BlackRock

0.49%

ETF Description
The iShares MSCI Japan ETF tracks a market-cap-weighted index of Japanese stocks. The fund covers roughly 85% of the investable universe of securities traded in Japan.

VTV

VANGUARD VALUE

Vanguard

0.04%

ETF Description
Vanguard Value ETF tracks the CRSP US Large Cap Value Index. The index selects stocks from the top 85% of market capitalization based on multiple value factors.

SUSA

ISHARES MSCI USA ESG SELECT ETF

BlackRock

0.50%

ETF Description
SUSA tracks an index of US companies with high environmental, social and governance (ESG) factor scores as calculated by MSCI.

EWH

ISHARES MSCI HONG KONG ETF

BlackRock

0.49%

ETF Description
The iShares MSCI Hong Kong ETF tracks a market-cap-weighted index of firms listed on the Hong Kong Stock Exchange.

VPL

VANGUARD FTSE PACIFIC

Vanguard

0.08%

ETF Description
Vanguard FTSE Pacific ETF tracks the FTSE Developed Asia Pacific Index, a market-cap weighted index of securities in the developed markets of the Pacific region.

EWS

ISHARES MSCI SINGAPORE

BlackRock

0.50%

ETF Description
The iShares MSCI Singapore ETF tracks a market-cap weighted index of Singaporean firms, covering top 85% of the market subjected to diversification requirements.

FM

ISHARES MSCI FRONTIER 100

BlackRock

0.79%

ETF Description
The iShares MSCI Frontier 100 ETF tracks a cap-weighted index of the 100 largest companies from the 20 countries classified as frontier markets by MSCI.

EWG

ISHARES MSCI GERMANY ETF

BlackRock

0.51%

ETF Description
The iShares MSCI Germany ETF tracks a market-cap-weighted index of German companies. It covers the top 85% of German companies by market cap.

QQQ

INVESCO QQQ TRUST

Invesco

0.74%

ETF Description
The Invesco QQQ Trust tracks a modified-market-cap-weighted index of 100 NASDAQ-listed stocks.

FXI

ISHARES CHINA LARGE-CAP ETF

BlackRock

0.74%

ETF Description
The iShares China  Large-Cap ETF tracks an index of the 50 largest and most liquid Chinese  stocks traded on the Hong Kong Stock Exchange.

Income Portfolio

Code

Description

Provider

Expense Ratio %

MBB

ISHARES MBS

BlackRock

0.06%

ETF Description
The iShares MBS ETF tracks a market-weighted index of investment-grade mortgage pass-through securities. The index includes fixed and floating rate securities issued by GNMA, FNMA and FHLMC.

SJNK

SPDR BARCLAYS SHORT-TERM HIGH YIELD

State Street Global Advisor

0.40%

ETF Description
The SPDR® Bloomberg Barclays Short Term High Yield Bond ETF tracks a market-weighted index of short-term publicly issued U.S. high yield corporate bonds, with a remaining maturity of less than 5 years.

LQD

ISHARES IBOXX INVESTMENT GRADE

BlackRock

0.15%

ETF Description
The iShares iBoxx USD Investment Grade Corporate Bond ETF tracks a market-weighted index of US corporate investment-grade bonds across the maturity spectrum.

EMLC

MARKET VECTORS EMERGING MARKETS

VanEck

0.30%

ETF Description
The VanEck Vectors J.P. Morgan EM Local Currency Bond ETF tracks an index of debt issued by emerging market governments and denominated in local currencies of the issuers.

BKLN

INVESCO SENIOR LOAN

Invesco

0.65%

ETF Description
BKLN tracks a market-value-weighted index of senior loans issued by banks to corporations.

HYG


ISHARES IBOXX HIGH YIELD CORPS

BlackRock

0.49%

ETF Description
The iShares iBoxx USD High Yield Corporate Bond ETF tracks a market-weighted index of US high-yield corporate debt.

IEF

ISHARES 7-10 YEAR TREASURY BOND ETF

BlackRock

0.15%

ETF Description
The iShares 7-10 Year Treasury Bond ETF tracks a market-value-weighted index of debt issued by the US Treasury with 7-10 years to maturity remaining. Treasury STRIPS are excluded.

VGIT

VANGUARD INTERMEDIATE-TERM GOVT BONDS ETF

Vanguard

0.05%

ETF Description
VGIT tracks a market weighted index of fixed income securities issued by the U.S. government, excluding inflation-protected bonds, with maturities of 3-10 years.

TLT

ISHARES 20+ YEAR TREASURY BOND ETF

BlackRock

0.15%

ETF Description
The iShares 20+ Year Treasury Bond ETF tracks a market-weighted index of debt issued by the US Treasury with remaining maturities of 20 years or more.

IGOV

ISHARES INTERNATIONAL TREASURY BOND ETF

BlackRock

0.35%

ETF Description
The iShares International Treasury Bond ETF tracks a market weighted index of local currency non-US government issued debt. The index caps exposure to countries with higher outstanding debt.

Inflation Hedge Portfolio

Code

Description

Provider

Expense Ratio %

IYR

ISHARES US REAL ESTATE ETF

BlackRock

0.42%

ETF Description
The iShares U.S. Real Estate ETF tracks a market-cap-weighted index of US real estate equities listed on the major US exchanges.

ICLN

ISHARES GLOBAL CLEAN ENERGY ETF

BlackRock

0.46%

ETF Description
ICLN tracks a market-cap-weighted index of 30 of the most liquid companies involved in businesses related to clean energy.

TIP

ISHARES TIPS BOND ETF

BlackRock

0.19%

ETF Description
The iShares TIPS Bond ETF tracks a market-value-weighted index of US Treasury inflation-protected securities with at least one year remaining in maturity.

DBO

INVESCO DB OIL FUND

Invesco

0.78%

ETF Description
The Invesco DB Oil Fund tracks an index of crude oil futures contracts. It optimizes its contract selection based on the shape of the futures curve to minimize contango.

DBB

INVESCO DB BASE METALS FUND

Invesco

0.80%

ETF Description
The Invesco DB Base Metals Fund tracks an index of 3 base metals – aluminium, zinc and copper futures contracts.

IAU

ISHARES GOLD TRUST

Blackrock

0.25%

ETF Description
The iShares Gold  Trust tracks the gold spot price, less expenses and liabilities, using gold  bars held in vaults around the world.

IGF

ISHARES GLOBAL INFRASTRUCTURE

BlackRock

0.46%

ETF Description
The iShares Global Infrastructure ETF tracks a market-cap-weighted index of global infrastructure companies.

RWX

SPDR DJ INTERNATIONAL REAL ESTATE

State Street Global Advisors

0.59%

ETF Description
The SPDR® Dow Jones® International Real Estate ETF tracks a market-cap-weighted index of firms involved in the ownership and operation of real estate internationally, excluding the United States.

REM

ISHARES MORTGAGE REAL ESTATE

BlackRock

0.48%

ETF Description
The iShares Mortgage Real Estate ETF tracks a market-cap-weighted index of residential and commercial mortgage REITs.

ESG Growth Portfolio

Code

Description

Provider

Expense Ratio %

ESGD

ISHARES ESG AWARE MSCI EAFE ETF

BlackRock

0.20%

ETF Description
The ESGD tracks an index of developed market international companies that have been selected and weighted for positive environmental, social, and governance characteristics.

ESGE

ISHARES ESG AWARE MSCI EM ETF

BlackRock

0.25%

ETF Description
The ESGE tracks an index of large- and midcap companies from emerging market economies. Stocks are selected and weighted for positive environmental, social, and governance characteristics while maintaining similar investment risk/return of the market.

NULV

NUVEEN ESG LARGE-CAP VALUE ETF

Nuveen Securities

0.25%

ETF Description
The NULV tracks an index of US large-cap value stocks that score highly on environmental, social, and governance (ESG) criteria. The fund is weighted using a multi-factor optimizer.

SUSA

ISHARES MSCI USA ESG SELECT ETF

Blackrock

0.25%

ETF Description
The SUSA tracks an index of US companies with high environmental, social and governance (ESG) factor scores as calculated by MSCI.

NUMG

NUVEEN ESG MID-CAP GROWTH ETF

Nuveen Securities

0.30%

ETF Description
The NUMG tracks an index composed of midcap US companies with growth characteristics that also meet certain environmental, social, and governance criteria.

ESGU

ISHARES ESG AWARE MSCI USA ETF

Blackrock

0.15%

ETF Description
The ESGU tracks an index composed of US companies that are selected and weighted for positive environmental, social and governance characteristics.

ESML

ISHARES ESG AWARE MSCI USA SMALL-CAP ETF

BlackRock

0.17%

ETF Description
The ESML tracks an index of US small-cap companies with high environmental, social, and governance factor scores as determined by MSCI.

NUSC

NUVEEN ESG SMALL-CAP ETF

Nuveen Securities

0.30%

ETF Description
The NUSC tracks a multi-factor-weighted index of small-cap companies listed on US exchanges. Holdings are screened for environmental, social, and governance (ESG) criteria.

NULG

NUVEEN ESG LARGE-CAP GROWTH ETF

Nuveen Securities

0.25%

ETF Description
The NULG  tracks an index composed of large-cap US companies with growth  characteristics that also meet certain environmental, social, and governance  (ESG) criteria.

SHE

SPDR SSGA GENDER DIVERSITY INDEX ETF

State Street Global Advisors

0.20%

ETF Description
The SHE tracks a market-cap-weighted index of US large-cap companies with a relatively high proportion of women in executive and director positions.

NUMV

NUVEEN ESG MID-CAP VALUE ETF

Nuveen Securities

0.30%

ETF Description
The NUMV tracks an index of US midcap value stocks that score highly on environmental, social, and governance (ESG) criteria. The fund weighting uses a multi-factor optimizer.

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