The Rational Reminder Podcast · Thursday, July 2, 2026
Dan Bortolotti explains his approach to using VEQT versus component ETFs for clients, prioritizing larger purchases of component ETFs and smaller TFSA accounts with VEQT for simplicity. He emphasizes that for professional implementation, the 'analysis paralysis' and rebalancing concerns that affect DIY investors are mitigated.
“So for me, this question is not hypothetical because I use V E Q T in a lot of client portfolios, but I also use the component parts in other portfolios. So what are the criteria for making that decision? It's kind of the ones we hit on already.”
“I would say that in an account where your goal is to hold all of those asset classes all the time in that proportion. So V E Q T's roughly 30% Canadian, US and international varies, but it's around something like 45 US, 25 international, something like that. And international is broken down between developed and emerging. So you've got four different components. And if your goal is to hold all of them, you know, as a long-term holding.”
“If it's, let's put it this way, if it's a $2 million purchase, I'm going to be buying the individual components. If it's a TFSA, say where a lot of TFSAs are sort of in the ballpark of $150,000 to $250,000 these days, depending how they've been invested, then that's a place where I use V E Q T frequently.”
“And you just never have to rebalance that account. And, you know, like you've both, well, both of you have, I value simplicity.”