Q: For a young person (20 years old) who has little knowledge of or interest in investing, no interest in selecting individual investments, monitoring a portfolio or having to rebalance assets, what do you think of using a global 100% equity asset allocation ETF for long-term, ongoing contributions to TFSA’s, FHSA’s, RRSP’s, etc in order to make investing as easy and simple as possible and to encourage/reinforce a regular, long-term investing habit over several decades? If this sounds reasonable is there a global 100% equity asset allocation ETF that you would recommend or are they all pretty much interchangeable? Given the size, reputation and historical track record (safety) of firms like Blackrock, Fidelity, Vanguard, BMO, etc I assume there is little to choose from between the different ETF’s. Is there any other (better & simple) strategy you would suggest as an alternative, given the investor profile? Thanks.

Q: Thank you for those useful articles on all-in-one ETFs. I plan to gradually invest this way​ to make life easier on myself or whoever may be doing the investments in the future.
The problem (and it's not a big one ​as it just needs a bit of math). To have a position of 50%​/50% ​Equities/Bonds I need to have an 80% position in a 40/60 E​quity/B​ond ETF and a 20% position in a 80/20 E​quity/B​ond ETF.

​Is there an all in one 50/50 ETF with a reasonable MER?
​Alternatively, are there similar diverse all-in-one​ 100% equity and diverse all-in-one ​100% bond ETFs where we could just have one of each then rebalanced every 6 to 12 months back holding 50% of total each​? (Makes the math really simple :)

Though I don't tend to use timing​, is there a time of year long term where that rebalance might offer a​ percent​ or fraction of a percent advantage?​ For example, do bonds trade higher or lower at certain times of the year? Similarly equities?

Q: Hi 5I team, With two of these near 52 week high.And ZEQTnear 52week low which would you prefer today? Thanks Larry