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Why do all your portfolios have the same ETFs?

For optimal risk-adjusted returns, the determination of various asset classes and the computation of the most appropriate mix of those asset classes is important. The same set of asset classes apply to everyone. We choose the most appropriate ETFs that represent each of those asset classes. As the asset classes are the same for everyone, the ETFs that represent those asset classes are the same for everyone.

Refer to our Investment Methodology page and ETF Investing knowledge resource for more information.

Also read the answers to the related questions:

• Why do you have ETFs only (apart from a nominal amount of cash) and no other financial instruments in your portfolios?
• Why do you use ETFs in your portfolio instead of individual stocks and bonds?