When selecting the ETFs, we take into account the following parameters (non-exhaustive):

  • High liquidity: how frequently securities are traded to ensure they are easy to buy and sell consistently when rebalancing your account or ensuring your money is readily accessible when you need it 
  • Tax efficiency: ensuring that selected securities are in jurisdictions and domiciles that are most tax efficient for you
  • Low tracking error: historically, how have the ETF's returns performed relative to the benchmark or index it was meant to mimic
  • Low expense ratio: the cost ETF providers charge for their services to manage the ETF
  • Currency: ETFs that are denominated in stable currencies (e.g. USD)  

While low fees are important, they aren’t everything. We won’t select a low-cost ETF at the expense of one of those other important factors. 

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