Q: Dear 5i team.

Can you give me your updated views on which you prefer of the above two ETFs (or any you'd add) for this type of investment?

Many thanks for your help

Q: I'm looking to invest the majority of my money into an all-in-one 80/20 asset allocation ETF, such as VGRO, XGRO, ZGRO or HGRO. Aim is to set-it-and-forget-it.

What does 5iR recommend?

Q: As a 50 year old with a defined benefits pension, to kick in when I retire in about 5 years, would ZGRO be ok, switching to ZBAL over the years?

Is the only difference between ZGRO and ZBAL the allocation between equities and bonds?

Thanks,
Robert