Q: It seems someone should be able to put the right mix together in an ETF to earn 4% a year no matter how crazy things get. HRA does look interesting, any thoughts on this configuration, and how would it would have fared in 2008.
Thanks Gord

Q: Recently the Globe & Mail has an article discussing the merits of using a one-Balanced ETF strategy and recommended the following three ETFs: VBAL, CBD and HRA. What would you consider to be the best one? Also, when I reviewed the information on their respective websites, I can only find Management Fee info as opposed to MER info. Is it because they are all ETFs that are composed of various ETFs. So the ultimate MER of these balanced ETFs would be the sum of the quotes Management Fee plus the MER of the underlying ETFs?
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