Bonds and their use in a diversified portfolio across life phases discussed in detail

Exchange-traded funds (ETFs) are a practical and efficient way to implement diversified portfolios for Canadian and U.S. investors because they combine fund-level diversification with exchange-traded liquidity, transparent holdings, and often lower costs than comparable mutual funds. For long-horizon investors, ETFs can serve as core holdings for broad equity and fixed-income exposure, as building blocks for a custom asset allocation, or as satellite positions for varying str