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  5. ZSP: Hi, I set up an unregistered account for my wife several years ago with the following ETFS, with the thought that it would be relatively easy to maintain [BMO S&P 500 Index ETF]
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Q: Hi,

I set up an unregistered account for my wife several years ago with the following ETFS, with the thought that it would be relatively easy to maintain:

VGG
ZSP
ZCN
ZIU

In looking at it today, I'm wondering whether I have too much overlap. I can't remember what my logic was for these four ETFs! I should have written it down as my memory doesn't work so well anymore.

Does the above work ok? Or would you slim it back? And add VIU?

Thanks,
Robert
Asked by Robert on July 24, 2025
5i Research Answer:

There is significant overlap in ZIU/ZCN however the others are different enough. We think the easiest solution here is to add international (VIU) over ZIU. 

Authors of this answer, directors, partners and/or officers of 5i Research and/or affiliated companies have a financial or other interest in VGG.