StashAway’s Fund Selection - Flexible Portfolios
Overview of StashAway Flexibile Portfolios
These are the assets available for you to invest through our Flexible Portfolios.
Build and customise your own Flexible Portfolios from 55+ different asset classes, from the S&P 500 to Emerging Markets, Healthcare, Blockchain, and more.
For our General, Goal-based, and Thematic portfolios, see StashAway's Fund Selection.
Flexible Portfolio Templates
Passive Income
Floating Rate Corporate Bonds
What it covers: Floating Rate Corporate Bonds are debt instruments with a variable interest rate that is tied to a benchmark rate. They are better suited for a rising rate environment.
Underlying ETF: iShares Floating Rate Bond ETF
Ticker: FLOT US
Fund Manager: iShares
Inception: 2011
Expense Ratio: 0.15%
Top Holdings: Goldman Sachs Group Inc/The, International Bank for Reconstruction and Development, JPMorgan Chase&Co
Global ex-US Investment Grade Bonds
What it covers: This asset class focuses on investment-grade corporate bonds across major bond markets outside of the United States. Investment-grade bonds are believed to have a lower risk of default and therefore receive higher ratings by the credit rating agencies.
Underlying ETF: Vanguard Total International Bond ETF
Ticker: BNDX US
Fund Manager: Vanguard
Inception: 2013
Expense Ratio: 0.09%
High Yield Corporate Bond UCITS ETF
What it covers:This asset class provides exposure to high-yield USD-denominated corporate bonds by tracking the Markit iBoxx USD Liquid High Yield Capped Index.
Underlying ETF: iShares $ High Yield Corporate Bond UCITS ETF
Ticker: IHYU
Fund Manager: iShares
Inception: 2011
Expense Ratio: 0.50%
Top Holdings: Onemain Finance Corp, Teva Pharmaceutical Finance Netherlands III BV, Sprint LLC
Short Duration HY Corp. Bond UCITS ETF
What it covers:This asset class provides exposure to short-term, high-yield USD-denominated corporate bonds by tracking the Markit iBoxx USD Liquid High Yield 0-5 Capped Index.
Underlying ETF: iShares $ Short Duration HY Corp. Bond UCITS ETF
Ticker: SDHY
Fund Manager: iShares
Inception: 2013
Expense Ratio: 0.45%
Top Holdings: Dish DBS Corp, Teva Pharmaceutical Finance Netherlands III BV, ICAHN Enterprises LP
US High Grade Bonds
What it covers: U.S. High Grade Bonds cover the investment-grade portion of the overall U.S. bond market, including government bonds. They can be used at the core of your portfolio to seek stability and earn returns.
Underlying ETF: iShares Core U.S. Aggregate Bond ETF
Ticker: AGG US
Fund Manager: iShares
Inception: 2003
Expense Ratio: 0.06%
Top Holdings: United States Treasury, Federal National Mortgage Association, Government National Mortgage Association II
US +20y Government Bonds
What it covers: This asset class covers U.S. government bonds with remaining maturities greater than twenty years.
Underlying ETF: iShares 20+ Year Treasury Bond ETF
Ticker: TLT US
Fund Manager: iShares
Inception: 2002
Expense Ratio: 0.15%
Risk-focused
Australia
What it covers: This asset class covers large and mid cap segments of the Australian equities market.
Underlying ETF: iShares MSCI Australia ETF
Ticker: EWA US
Fund Manager: iShares
Inception: 1996
Expense Ratio: 0.50%
Top Holdings: BHP Group Ltd, Commonwealth Bank of Australia, CSL Ltd
Canada
What it covers: This asset class covers large- and mid-cap segments of the Canadian equities market.
Underlying ETF: iShares MSCI Canada ETF
Ticker: EWC US
Fund Manager: iShares
Inception: 1996
Expense Ratio: 0.50%
Top Holdings: Royal Bank of Canada, Toronto Dominion, Enbridge Inc
Consumer Staples
What it covers: Consumer Staples are essential products that people are unable or unwilling to substitute out of their living expenses regardless of their financial situation. As a result, stocks of companies operating in the sector are considered non-cyclical as their products have “inelastic” consumer demand. Stocks in this sector tend to be resilient in poorer economic climates.
Underlying ETF: Consumer Staples Select Sector SPDR Fund
Ticker: XLP US
Fund Manager: SPDR
Inception: 1998
Expense Ratio: 0.10%
Top Holdings: Procter & Gamble Company, PepsiCo Inc, Coca-Cola Company
Emerging Markets Local Government Bonds
What it covers: Emerging Markets refer to economies that are experiencing considerable economic growth, and are in the process of becoming a developed economy. This asset class focuses on government bonds issued by Emerging Market countries.
Underlying ETF:
https://www.etf.com/EMB
Ticker: EMB US
Fund Manager: iShares
Inception: 2007
Expense Ratio: 0.39%
Top Holdings: BlackRock Cash Funds Treasury SL Agency Shares, Government of Kuwait 3.5% 20-Mar-2027, Government of Uruguay 5.1% 18-Jun-2050
Energy
What it covers: This asset class is focused on US companies involved in producing or supplying energy, i.e., oil and gas drilling and refining companies.
Underlying ETF: Energy Select Sector SPDR Fund
Ticker: XLE US
Fund Manager: SPDR
Inception: 1998
Expense Ratio: 0.13%
Top Holdings: Exxon Mobil Corporation, Chevron Corporation, ConocoPhillips
Financial Services
What it covers: The financial services sector provides financial services to people and corporations. It is made up of a variety of financial firms including banks, investment houses, lenders, finance companies, and insurance companies.
Underlying ETF: The Financial Select Sector SPDR® Fund
Ticker: XLF US
Fund Manager: SPDR
Inception: 1998
Expense Ratio: 0.13%
Top Holdings: Berkshire Hathaway Inc Class B, JPMorgan Chase & Co,Bank of America Corp
Floating Rate Corporate Bonds
What it covers: Floating Rate Corporate Bonds are debt instruments with a variable interest rate that is tied to a benchmark rate. They are better suited for a rising rate environment.
Underlying ETF: iShares Floating Rate Bond ETF
Ticker: FLOT US
Fund Manager: iShares
Inception: 2011
Expense Ratio: 0.15%
Top Holdings: Goldman Sachs Group Inc/The, International Bank for Reconstruction and Development, JPMorgan Chase&Co
Global ex-US Investment Grade Bonds
What it covers: This asset class focuses on investment-grade corporate bonds across major bond markets outside of the United States. Investment-grade bonds are believed to have a lower risk of default and therefore receive higher ratings by the credit rating agencies.
Underlying ETF: Vanguard Total International Bond ETF
Ticker: BNDX US
Fund Manager: Vanguard
Inception: 2013
Expense Ratio: 0.09%
Global ex-US Inflation-linked Government Bonds
What it covers: This asset class covers inflation-linked government bonds from countries excluding the United States. Inflation-linked bonds are indexed to inflation, so their values increase and decrease with changes in official inflation rates.
Underlying ETF: SPDR FTSE International Government Inflation-Protected Bond ETF
Ticker: WIP US
Fund Manager: SPDR
Inception: 2008
Expense Ratio: 0.50%
Top Holdings: United Kingdom I/L Gilt 0.125 03/22/2026, Deutschland I/L Bond 0.5 04/15/2030, Deutschland I/L Bond 0.1 04/15/2026
Global ex-US REITs
What it covers: REITs, or Real Estate Investment Trusts, are companies that own, operate or finance income-generating real estate. This asset class focuses on REITS from over 30 markets, excluding the U.S.
Underlying ETF: Vanguard Global ex-U.S. Real Estate Index Fund ETF
Ticker: VNQI US
Fund Manager: Vanguard
Inception: 2010
Expense Ratio: 0.12%
Top Holdings: Goodman Group, Vonovia SE, Mitsui Fudosan Co Ltd
International Treasury Bond
What it covers: This asset class covers government bonds issued by countries around the world, excluding the United States.
Underlying ETF: iShares International Treasury Bond ETF
Ticker: IGOV US
Fund Manager: iShares
Inception: 2009
Expense Ratio: 0.35%
Top Holdings: Japan (Government of), France (Republic of), Italy (Republic of)
Japan
What it covers: This asset class covers large and mid cap segments of the Japanese equities market.
Underlying ETF: iShares MSCI Japan ETF
Ticker: EWJ US
Fund Manager: iShares
Inception: 1996
Expense Ratio: 0.50%
Top Holdings: Toyota Motor Corp, Sony Group Corp, Keyence Corp
Precious Metals (Gold)
What it covers: The functional role of Gold in a portfolio is to be a hedge, because it performs well when the economy is in a recession, or is facing “Stagflation” – which is when high inflation and recession happen simultaneously.
Underlying ETF: SPDR Gold Trust
Ticker: GLD US
Fund Manager: SPDR
Inception: 2004
Expense Ratio: 0.24%
Small-cap
What it covers: A small-cap is a public company whose total market value, or market capitalization, is about $300 million to $2 billion. These companies have a lot of growth potential, but could potentially be more volatile than large-cap ones.
Underlying ETF: iShares Core S&P Small Cap ETF
Ticker: IJR US
Fund Manager: iShares
Inception: 2000
Expense Ratio: 0.07%
Top Holdings: Blk Csh Fnd Treasury SL Agency, Livent Corp, Agree Realty Reit Corp
Technology (US)
What it covers: This asset class covers the technology sector within the S&P 500 Index. The S&P 500 Index tracks the equity performance of the 500 largest companies listed in the United States.
Underlying ETF: Technology Select Sector SPDR Fund
Ticker: XLK US
Fund Manager: SPDR
Inception: 1998
Expense Ratio: 0.13%
Top Holdings: Apple Inc, Microsoft Corporation, NVIDIA Corporation
US High Grade Bonds
What it covers: U.S. High Grade Bonds cover the investment-grade portion of the overall U.S. bond market, including government bonds. They can be used at the core of your portfolio to seek stability and earn returns.
Underlying ETF: iShares Core U.S. Aggregate Bond ETF
Ticker: AGG US
Fund Manager: iShares
Inception: 2003
Expense Ratio: 0.06%
Top Holdings: United States Treasury, Federal National Mortgage Association, Government National Mortgage Association II
US Inflation-linked Government Bonds
What it covers: US inflation-linked government bonds are indexed to inflation, so their values increase and decrease with changes in official inflation rates.
Underlying ETF: iShares TIPS Bond ETF
Ticker: TIP US
Fund Manager: iShares
Inception: 2003
Expense Ratio: 0.19%
US REITs
What it covers: REITs, or Real Estate Investment Trusts, are companies that own, operate or finance income-generating real estate. This asset class focuses on REITS from the U.S.
Underlying ETF: Vanguard REIT ETF
Ticker: VNQ US
Fund Manager: Vanguard
Inception: 2004
Expense Ratio: 0.12%
Top Holdings: Vanguard Real Estate II Index Fund Institutional Plus Shares, American Tower Corp, Prologis Inc
US 1-3M Cash Equivalent
What it covers: This asset class covers U.S. government bonds with 1-3 months remaining to maturity.
Underlying ETF: SPDR Bloomberg Barclays 1-3 Month T-Bill ETF
Ticker: BIL US
Fund Manager: SPDR
Inception: 2007
Expense Ratio: 0.14%
Top Holdings: Treasury Bill0 11/03/2022, Treasury Bill 0 12/01/2022, Treasury Bill 0 12/29/2022
World Index Tracking
International Stock Market
What it covers: This asset tracks the performance of the FTSE Global All Cap Index, which provides broad exposure to large-, mid-, and small-cap stocks of companies in global equity markets of both developed and emerging regions.
Underlying ETF: Vanguard Total World Stock Index Fund ETF
Ticker: VT
Fund Manager: Vanguard Equity Index Group
Inception: 2008
Expense Ratio: 0.07%
Top Holdings: Apple Inc, Microsoft Corp, Amazon.com Inc
US High Grade Bonds
What it covers: U.S. High Grade Bonds cover the investment-grade portion of the overall U.S. bond market, including government bonds. They can be used at the core of your portfolio to seek stability and earn returns.
Underlying ETF: iShares Core U.S. Aggregate Bond ETF
Ticker: AGG US
Fund Manager: iShares
Inception: 2003
Expense Ratio: 0.06%
Top Holdings: United States Treasury, Federal National Mortgage Association, Government National Mortgage Association II
All Available Assets
Artificial Intelligence and Robotics
What it covers: Artificial Intelligence and Robotics bring tremendous impact across diverse sectors all around the world. From industrial automation to driverless vehicles, their advancement is crucial in transforming how the world operates.
Underlying ETF: Global X Robotics & Artificial Intelligence ETF
Ticker: BOTZ US
Fund Manager: Global X
Inception: 2016
Expense Ratio: 0.68%
Top Holdings: Intuitive Surgical Inc, Keyence Corp, ABB Ltd-Reg
Asia ex-Japan
What it covers: This asset class focuses on equities from Asian countries excluding Japan.
Underlying ETF: iShares MSCI All Country Asia ex Japan ETF
Ticker: AAXJ US
Fund Manager: iShares
Inception: 2008
Expense Ratio: 0.69%
Top Holdings: Taiwan Semiconductor Manufacturing, Tencent Holdings Ltd, Samsung Electronics Ltd
Australia
What it covers: This asset class covers large and mid cap segments of the Australian equities market.
Underlying ETF: iShares MSCI Australia ETF
Ticker: EWA US
Fund Manager: iShares
Inception: 1996
Expense Ratio: 0.50%
Top Holdings: BHP Group Ltd, Commonwealth Bank of Australia, CSL Ltd
Biotechnology
What it covers: Biotechnology is a science-driven industry sector that uses the application of living organisms and molecular biology for products and services.
Underlying ETF: iShares Biotechnology ETF
Ticker: IBB US
Fund Manager: iShares
Inception: 2001
Expense Ratio: 0.45%
Top Holdings: Gilead Sciences Inc, Amgen Inc, Vertex Pharmaceuticals Inc
Blockchain
What it covers: Blockchain utilises decentralised, encrypted technology to achieve security and trust. It has existing and emerging applications across a variety of industries including finance, cryptocurrency, cybersecurity, supply chains, and more.
Underlying ETF: Amplify Transformational Data Sharing ETF
Ticker: BLOK US
Fund Manager: Amplify
Inception: 2018
Expense Ratio: 0.71%
Top Holdings: Microstrategy Inc, International Business Machs Com, Accenture Plc Ireland
Canada
What it covers: This asset class covers large- and mid-cap segments of the Canadian equities market.
Underlying ETF: iShares MSCI Canada ETF
Ticker: EWC US
Fund Manager: iShares
Inception: 1996
Expense Ratio: 0.50%
Top Holdings: Royal Bank of Canada, Toronto Dominion, Enbridge Inc
China
What it covers: This asset class provides exposure to large- and mid-cap Chinese companies listed in mainland China, as well as outside mainland China.
Underlying ETF: iShares Core MSCI China ETF
Ticker: 9801:HK
Fund Manager: iShares
Inception: 2001
Expense Ratio: 0.20%
Top Holdings: Tencent Holdings Ltd, Alibaba Group Holding Ltd, Meituan
China Tech
What it covers: This asset class focuses on large cap companies in Greater China with exposure to selected technology themes, including internet, fintech, cloud, e-commerce, and digital activities.
Underlying ETF: iShares Hang Seng Tech ETF
Ticker: 9067:HK
Fund Manager: iShares
Inception: 2020
Expense Ratio: 0.25%
Top Holdings: Meituan, Alibaba Group Holding Ltd, Tencent Holdings Ltd
Clean Energy
What it covers: Clean Energy refers to the generation of renewable energy with minimal or no negative environmental impacts, such as the release of greenhouse gases like carbon dioxide. It is expected to continue growing rapidly in the coming years.
Underlying ETF: iShares Global Clean Energy ETF
Ticker: ICLN US
Fund Manager: iShares
Inception: 2008
Expense Ratio: 0.42%
Top Holdings: Enphase Energy Inc, First Solar Inc, Solaredge Technologies Inc
Clean Water
What it covers: Clean Water refers to different aspects of the water industry, including water purification, distribution, infrastructure, water solutions, and ancillary services such as consulting, construction, and metering.
Underlying ETF: First Trust Water ETF
Ticker: FIW US
Fund Manager: First Trust
Inception: 2007
Expense Ratio: 0.54%
Top Holdings: IDEX Corporation, Danaher Corporation, Agilent Technologies Inc
Cloud Computing
What it covers: Cloud computing is the delivery of computing services over the Internet (“the cloud”) to offer faster innovation, flexible resources, and economies of scale. It includes data servers, storage, databases, networking, software, analytics, and intelligence.
Underlying ETF: First Trust Cloud Computing ETF
Ticker: SKYY US
Fund Manager: First Trust
Inception: 2011
Expense Ratio: 0.60%
Top Holdings: Rackspace Technology Inc, Arista Networks Inc, Pure Storage Inc (Class A)
Communication Services
What it covers: This asset class covers the communication services sector within the S&P 500 Index. The S&P 500 Index tracks the equity performance of the 500 largest companies listed in the United States.
Underlying ETF: Communication Services Select Sector SPDR Fund
Ticker: XLC US
Fund Manager: SPDR
Inception: 2018
Expense Ratio: 0.10%
Top Holdings: Meta Platforms Inc Class A, Alphabet Inc Class A, Alphabet Inc Class C
Consumer Discretionary
What it covers: Consumer Discretionary covers goods and services that are considered non-essential by consumers, but desirable if their available income is sufficient to purchase them. They can include durable goods, high-end apparel, entertainment, leisure activities, and automobiles.
Underlying ETF: Consumer Discretionary Select Sector SPDR Fund
Ticker: XLY US
Fund Manager: SPDR
Inception: 1998
Expense Ratio: 0.10%
Top Holdings: Amazon.com Inc, Tesla Inc, Home Depot Inc
Consumer Staples
What it covers: Consumer Staples are essential products that people are unable or unwilling to substitute out of their living expenses regardless of their financial situation. As a result, stocks of companies operating in the sector are considered non-cyclical as their products have “inelastic” consumer demand. Stocks in this sector tend to be resilient in poorer economic climates.
Underlying ETF: Consumer Staples Select Sector SPDR Fund
Ticker: XLP US
Fund Manager: SPDR
Inception: 1998
Expense Ratio: 0.10%
Top Holdings: Procter & Gamble Company, PepsiCo Inc, Coca-Cola Company
Dow Jones
What it covers: This asset tracks the performance of the Dow Jones Industrial Average (DJIA), a widely-quoted stock market index consisting of 30 large, “blue-chip” stocks publicly listed in the US.
Underlying ETF: iSPDR Dow Jones Industrial Average Trust
Ticker: DIA
Fund Manager: SPDR
Inception: 1998
Expense Ratio: 0.16%
Top Holdings: UnitedHealth Group Incorporated, Goldman Sachs Group Inc, Home Depot Inc
Emerging Markets ESG
What it covers: Emerging Markets refer to economies that are experiencing considerable economic growth, and are in the process of becoming a developed economy. This asset class focuses on equities from Emerging Market companies that have favourable environmental, social, and governance (ESG) ratings.
Underlying ETF: iShares ESG Aware MSCI EM ETF
Ticker: ESGE US
Fund Manager: iShares
Inception: 2016
Expense Ratio: 0.25%
Top Holdings: Taiwan Semiconductor Manufacturing, Tencent Holdings Ltd, Samsung Electronics Ltd
Emerging Markets Local Government Bonds
What it covers: Emerging Markets refer to economies that are experiencing considerable economic growth, and are in the process of becoming a developed economy. This asset class focuses on government bonds issued by Emerging Market countries.
Underlying ETF: iShares J.P. Morgan USD Emerging Markets Bond ETF
Ticker: EMB US
Fund Manager: iShares
Inception: 2007
Expense Ratio: 0.39%
Top Holdings: BlackRock Cash Funds Treasury SL Agency Shares, Government of Kuwait 3.5% 20-Mar-2027, Government of Uruguay 5.1% 18-Jun-2050
Energy
What it covers: This asset class is focused on US companies involved in producing or supplying energy, i.e., oil and gas drilling and refining companies.
Underlying ETF: Energy Select Sector SPDR Fund
Ticker: XLE US
Fund Manager: SPDR
Inception: 1998
Expense Ratio: 0.13%
Top Holdings: Exxon Mobil Corporation, Chevron Corporation, ConocoPhillips
Energy Storage and Smart Grids
What it covers: This asset class focuses on equities from the smart grid and electric energy infrastructure sector.
Underlying ETF: First Trust NASDAQ® Clean Edge® Smart Grid Infrastructure Index Fund
Ticker: GRID US
Fund Manager: First Trust
Inception: 2007
Expense Ratio: 0.60%
Top Holdings: Rivian Automotive Inc (Class A), Albemarle Corporation, Enphase Energy Inc
Europe
What it covers: This asset class focuses on stocks issued by companies located in the major markets of Europe.
Underlying ETF: Vanguard FTSE Europe ETF
Ticker: VGK US
Fund Manager: Vanguard
Inception: 2005
Expense Ratio: 0.08%
Top Holdings: Nestle SA, Roche Holding AG, AstraZeneca Plc
Financial Services
What it covers: The financial services sector provides financial services to people and corporations. It is made up of a variety of financial firms including banks, investment houses, lenders, finance companies, and insurance companies.
Underlying ETF: The Financial Select Sector SPDR® Fund
Ticker: XLF US
Fund Manager: SPDR
Inception: 1998
Expense Ratio: 0.13%
Top Holdings: Berkshire Hathaway Inc Class B, JPMorgan Chase & Co,Bank of America Corp
Fintech
What it covers: Fintech or Financial technology is the integration of technology and innovation in the delivery of financial services. It is an emerging industry that competes with traditional financial methods by improving them with technology. StashAway is an example of a fintech company.
Underlying ETF: ARK Fintech Innovation ETF
Ticker: ARKF US
Fund Manager: ARK
Inception: 2019
Expense Ratio: 0.75%
Top Holdings: Shopify Inc - Class A, Block Inc, Coinbase Global Inc - Class A
Floating Rate Corporate Bonds
What it covers: Floating Rate Corporate Bonds are debt instruments with a variable interest rate that is tied to a benchmark rate. They are better suited for a rising rate environment.
Underlying ETF: iShares Floating Rate Bond ETF
Ticker: FLOT US
Fund Manager: iShares
Inception: 2011
Expense Ratio: 0.15%
Top Holdings: Goldman Sachs Group Inc/The, International Bank for Reconstruction and Development, JPMorgan Chase&Co
Gaming and eSports
What it covers: The gaming industry is involved in the development of video games and any related hardware and software, while eSports refers to professional and competitive video gaming in the form of competitions played by professional gamers. Both sectors saw a rapid increase in user growth during the pandemic.
Underlying ETF: VanEck Vectors Video Gaming and eSports ETF
Ticker: ESPO US
Fund Manager: VanEck
Inception: 2018
Expense Ratio: 0.55%
Top Holdings: NVIDIA Corp, Tencent Holdings Ltd, Activision Blizzard Inc
Genomics
What it covers: Genomics is an interdisciplinary field of biology focusing on the structure, function, evolution, mapping, and editing of genomes. Innovation in genomics can help us in restructuring health care, agriculture, pharmaceuticals, and in enhancing the quality of life.
Underlying ETF: ARK Genomic Revolution ETF
Ticker: ARKG US
Fund Manager: ARK
Inception: 2014
Expense Ratio: 0.75%
Top Holdings: Exact Sciences Corp, Ionis Pharmaceuticals Inc, Ginkgo Bioworks Holdings Inc
Global ex-US Inflation-linked Government Bonds
What it covers: This asset class covers inflation-linked government bonds from countries excluding the United States. Inflation-linked bonds are indexed to inflation, so their values increase and decrease with changes in official inflation rates.
Underlying ETF: SPDR FTSE International Government Inflation-Protected Bond ETF
Ticker: WIP US
Fund Manager: SPDR
Inception: 2008
Expense Ratio: 0.50%
Top Holdings: United Kingdom I/L Gilt 0.125 03/22/2026, Deutschland I/L Bond 0.5 04/15/2030, Deutschland I/L Bond 0.1 04/15/2026
Global ex-US Investment Grade Bonds
What it covers: This asset class focuses on investment-grade corporate bonds across major bond markets outside of the United States. Investment-grade bonds are believed to have a lower risk of default and therefore receive higher ratings by the credit rating agencies.
Underlying ETF: Vanguard Total International Bond ETF
Ticker: BNDX US
Fund Manager: Vanguard
Inception: 2013
Expense Ratio: 0.09%
Global ex-US REITs
What it covers: REITs, or Real Estate Investment Trusts, are companies that own, operate or finance income-generating real estate. This asset class focuses on REITS from over 30 markets, excluding the U.S.
Underlying ETF: Vanguard Global ex-U.S. Real Estate Index Fund ETF
Ticker: VNQI US
Fund Manager: Vanguard
Inception: 2010
Expense Ratio: 0.12%
Top Holdings: Goodman Group, Vonovia SE, Mitsui Fudosan Co Ltd
Green Financing
What it covers: Green Financing covers green bonds, whose proceeds are exclusively applied to projects or activities that promote climate-related or other environmental sustainability purposes.
Underlying ETF: iShares Global Green Bond ETF
Ticker: BGRN US
Fund Manager: iShares
Inception: 2018
Expense Ratio: 0.20%
Top Holdings: European Investment Bank, KFW, Perusahaan Penerbit Surat Berharga Syariah Negara Indonesia III
Healthcare (International)
What it covers: The healthcare sector is primarily focused on the development and delivery of healthcare services. This includes businesses that provide medical services, manufacture medical equipment or drugs, provide medical insurance, or otherwise facilitate the provision of healthcare to patients.
Underlying ETF: iShares Global Healthcare ETF
Ticker: IXJ US
Fund Manager: iShares
Inception: 2001
Expense Ratio: 0.43%
Top Holdings: UnitedHealth Group Inc, Johnson&Johnson, Eli Lilly
Healthcare (US)
What it covers: The healthcare sector is primarily focused on the development and delivery of healthcare services. This includes businesses that provide medical services, manufacture medical equipment or drugs, provide medical insurance, or otherwise facilitate the provision of healthcare to patients.
Underlying ETF: Health Care Select Sector SPDR Fund
Ticker: XLV US
Fund Manager: SPDR
Inception: 1998
Expense Ratio: 0.10%
Top Holdings: UnitedHealth Group Incorporated, Johnson & Johnson, Eli Lilly and Company
High Dividends
What it covers: This asset tracks the performance of the FTSE High Dividend Yield Index, which consists of stocks in the US. equity market characterised by their high dividend yields.
Underlying ETF: Vanguard High Dividend Yield ETF
Ticker: VYM
Fund Manager: Vanguard Equity Index Group
Inception: 2006
Expense Ratio: 0.06%
Top Holdings: Johnson & Johnson, Exxon Mobil Corp, JPMorgan Chase & Co
International Stock Market
What it covers: This asset tracks the performance of the FTSE Global All Cap Index, which provides broad exposure to large-, mid-, and small-cap stocks of companies in global equity markets of both developed and emerging regions.
Underlying ETF: Vanguard Total World Stock Index Fund ETF
Ticker: VT
Fund Manager: Vanguard Equity Index Group
Inception: 2008
Expense Ratio: 0.07%
Top Holdings: Apple Inc, Microsoft Corp, Amazon.com Inc
International Treasury Bond
What it covers: This asset class covers government bonds issued by countries around the world, excluding the United States.
Underlying ETF: iShares International Treasury Bond ETF
Ticker: IGOV US
Fund Manager: iShares
Inception: 2009
Expense Ratio: 0.35%
Top Holdings: Japan (Government of), France (Republic of), Italy (Republic of)
Internet
What it covers: This asset class is focused on businesses whose primary services are made available to users through the Internet. These companies generate revenue through online sales, financial transaction fees, paid advertising, cloud services, and a host of other business activities.
Underlying ETF: O'Shares Global Internet Giants ETF
Ticker: OGIG US
Fund Manager: O'Shares
Inception: 2018
Expense Ratio: 0.48%
Top Holdings: Microsoft Corp, Alphabet Inc, Amazon.com Inc
Internet Infrastructure
What it covers: Internet Infrastructure is focused on innovations in internet technologies, including shifting technology infrastructure to the cloud, enabling mobile, internet-based products and services, new payment methods, big data, artificial intelligence, the Internet of Things, and social media.
Underlying ETF: ARK Next Generation Internet ETF
Ticker: ARKW US
Fund Manager: ARK
Inception: 2014
Expense Ratio: 0.79%
Top Holdings: Tesla Inc, Zoom Video Communications - A, Coinbase Global Inc - Class A
Japan
What it covers: This asset class covers large and mid cap segments of the Japanese equities market.
Underlying ETF: iShares MSCI Japan ETF
Ticker: EWJ US
Fund Manager: iShares
Inception: 1996
Expense Ratio: 0.50%
Top Holdings: Toyota Motor Corp, Sony Group Corp, Keyence Corp
Large-cap ESG
What it covers: Large-cap stocks are shares of corporations with a market capitalization of $10 billion or more. This asset class focuses on large-cap stocks that have favourable environmental, social, and governance (ESG) ratings.
Underlying ETF: iShares ESG Aware MSCI USA ETF
Ticker: ESML US
Fund Manager: iShares
Inception: 2018
Expense Ratio: 0.17%
Top Holdings: Ovintiv Inc, Comerica Inc, Wolfspeed Inc
Medical Devices
What it covers: Medical Devices refers to any device intended to be used for medical purposes. This includes articles, instruments, or machines that are used in the prevention, diagnosis or treatment of any form of illness or medical condition.
Underlying ETF: iShares U.S. Medical Devices ETF
Ticker: IHI US
Fund Manager: iShares
Inception: 2006
Expense Ratio: 0.41%
Top Holdings: Thermo Fisher Scientific Inc, Abbott Laboratories, Medtronic Plc
Mobility
What it covers: This asset class focuses on companies which are active in the electric vehicles and autonomous driving segments. This includes companies that build or manufacture electric or autonomous vehicles, or those that supply raw materials, vehicle components or technologies.
Underlying ETF: Global X Autonomous & Electric Vehicles ETF
Ticker: DRIV US
Fund Manager: Global X
Inception: 2018
Expense Ratio: 0.38%
Top Holdings: Tesla Inc, Apple Inc, Microsoft Corp
Nasdaq100
What it covers: The Nasdaq-100 is a stock market index made up of equity securities issued by 100 of the largest non-financial companies listed on the Nasdaq stock exchange.
Underlying ETF: Invesco QQQ Trust Series 1
Ticker: QQQ US
Fund Manager: Invesco
Inception: 1999
Expense Ratio: 0.20%
Top Holdings: Apple Inc, Microsoft Corp, Amazon.com Inc
Pharmaceuticals
What it covers: The pharmaceutical industry is responsible for the research, development, production, marketing and sales of drugs that are used as medication to patients in order to cure them, vaccinate them or alleviate their symptoms.
Underlying ETF: VanEck Vectors Pharmaceutical ETF
Ticker: PPH US
Fund Manager: VanEck
Inception: 2011
Expense Ratio: 0.35%
Top Holdings: Johnson&Johnson, Eli Lilly & Co, Abbvie Inc
Precious Metals (Gold)
What it covers: The functional role of Gold in a portfolio is to be a hedge, because it performs well when the economy is in a recession, or is facing “Stagflation” – which is when high inflation and recession happen simultaneously.
Underlying ETF: SPDR Gold Trust
Ticker: GLD US
Fund Manager: SPDR
Inception: 2004
Expense Ratio: 0.24%
S&P500
What it covers: The S&P 500 is an index that tracks the equity performance of the 500 largest companies listed in the United States. It covers approximately 80% of available market capitalization and is widely regarded as the best single gauge of large-cap U.S. equities.
Underlying ETF: iShares Core S&P 500 ETF
Ticker: IVV US
Fund Manager: iShares
Inception: 2000
Expense Ratio: 0.03%
Top Holdings: Apple Inc, Microsoft Corp, Amazon.com Inc
Semiconductors
What it covers: Semiconductors can be found in thousands of products such as computers, smartphones, appliances, gaming hardware, and medical equipment.
Underlying ETF: VanEck Vectors Semiconductor ETF
Ticker: SMH US
Fund Manager: VanEck
Inception: 2011
Expense Ratio: 0.35%
Top Holdings: Taiwan Semiconductor Manufacturing Co L, NVIDIA Corp, Texas Instruments Inc
Small-cap
What it covers: A small-cap is a public company whose total market value, or market capitalization, is about $300 million to $2 billion. These companies have a lot of growth potential, but could potentially be more volatile than large-cap ones.
Underlying ETF: iShares Core S&P Small Cap ETF
Ticker: IJR US
Fund Manager: iShares
Inception: 2000
Expense Ratio: 0.07%
Top Holdings: Blk Csh Fnd Treasury SL Agency, Livent Corp, Agree Realty Reit Corp
Technology (International)
What it covers: This asset class is focused on innovation in technology across sectors. These innovations lead to technologically-enabled new products or services that have the potential to disrupt industries.
Underlying ETF: ARK Innovation ETF
Ticker: ARKK US
Fund Manager: ARK
Inception: 2014
Expense Ratio: 0.75%
Top Holdings: Tesla Inc, Zoom Video Communications - A, Roku Inc
Technology (US)
What it covers: This asset class covers the technology sector within the S&P 500 Index. The S&P 500 Index tracks the equity performance of the 500 largest companies listed in the United States.
Underlying ETF: Technology Select Sector SPDR Fund
Ticker: XLK US
Fund Manager: SPDR
Inception: 1998
Expense Ratio: 0.13%
Top Holdings: Apple Inc, Microsoft Corporation, NVIDIA Corporation
US +20y Government Bonds
What it covers: This asset class covers U.S. government bonds with remaining maturities greater than twenty years.
Underlying ETF: iShares 20+ Year Treasury Bond ETF
Ticker: TLT US
Fund Manager: iShares
Inception: 2002
Expense Ratio: 0.15%
US 1-3M Cash Equivalent
What it covers: This asset class covers U.S. government bonds with 1-3 months remaining to maturity.
Underlying ETF: SPDR Bloomberg Barclays 1-3 Month T-Bill ETF
Ticker: BIL US
Fund Manager: SPDR
Inception: 2007
Expense Ratio: 0.14%
Top Holdings: Treasury Bill 0 11/03/2022, Treasury Bill 0 12/01/2022, Treasury Bill 0 12/29/2022
US 1-3y Government Bonds
What it covers: This asset class covers short-term U.S. government bonds with 1-3 years remaining to maturity.
Underlying ETF: iShares 1-3 Year Treasury Bond ETF
Ticker: SHY US
Fund Manager: iShares
Inception: 2002
Expense Ratio: 0.15%
US 10-20y Government Bonds
What it covers: This covers longer-term U.S. government bonds with 10-20 years remaining to maturity.
Underlying ETF: iShares 10-20 Year Treasury Bond ETF
Ticker: TLH US
Fund Manager: iShares
Inception: 2011
Expense Ratio: 0.60%
US 3-10y Government Bonds
What it covers: This asset class covers intermediate-term U.S. government bonds with 3-10 years remaining to maturity.
Underlying ETF: Schwab Intermediate-Term U.S. Treasury Bond ETF
Ticker: SCHR US
Fund Manager: Schwab
Inception: 2010
Expense Ratio: 0.04%
Top Holdings: Treasury Note (91282CCS8), Treasury Note (91282CEP2), Treasury Note (91282CDJ7)
US Convertible Bonds
What it covers: A convertible bond is a type of fixed income security sold by public companies that can be converted into common shares of the issuing company’s stock. They offer relatively attractive dividend yields and yet retain the upside potential of equity outperformance due to their convertibility.
Underlying ETF: SPDR Bloomberg Barclays Convertible Securities ETF
Ticker: CWB US
Fund Manager: SPDR
Inception: 2009
Expense Ratio: 0.40%
Top Holdings: Wells Fargo & Company 7.5 12/31/2049, Bank of America Corp 7.25 12/31/2049, Palo Alto Networks 0.375
US High Grade Bonds
What it covers: U.S. High Grade Bonds cover the investment-grade portion of the overall U.S. bond market, including government bonds. They can be used at the core of your portfolio to seek stability and earn returns.
Underlying ETF: iShares Core U.S. Aggregate Bond ETF
Ticker: AGG US
Fund Manager: iShares
Inception: 2003
Expense Ratio: 0.06%
Top Holdings: United States Treasury, Federal National Mortgage Association, Government National Mortgage Association II
US Inflation-linked Government Bonds
What it covers: US inflation-linked government bonds are indexed to inflation, so their values increase and decrease with changes in official inflation rates.
Underlying ETF: iShares TIPS Bond ETF
Ticker: TIP US
Fund Manager: iShares
Inception: 2003
Expense Ratio: 0.19%
US Investment Grade Corporate Bonds
What it covers: U.S. Investment Grade Corporate Bonds comprise of corporate bonds in the United States that are believed to have a lower risk of default and receive higher ratings by the credit rating agencies. It provides a source of fixed income returns from stable, high quality companies.
Underlying ETF: iShares iBoxx $ Investment Grade Corporate Bond ETF
Ticker: LQD US
Fund Manager: iShares
Inception: 2002
Expense Ratio: 0.14%
US REITs
What it covers: REITs, or Real Estate Investment Trusts, are companies that own, operate or finance income-generating real estate. This asset class focuses on REITS from the U.S.
Underlying ETF: Vanguard REIT ETF
Ticker: VNQ US
Fund Manager: Vanguard
Inception: 2004
Expense Ratio: 0.12%
Top Holdings: Vanguard Real Estate II Index Fund Institutional Plus Shares, American Tower Corp, Prologis Inc
Waste Management
What it covers: Waste Management is primarily focused on the removal, recycling, remediation and resource recovery of hazardous waste. It is a fast-growing industry driven by rapid population increases and industrialization, as well as government-mandated waste regulations.
Underlying ETF: VanEck Environmental Services ETF
Ticker: EVX US
Fund Manager: VanEck
Inception: 2006
Expense Ratio: 0.71%
Top Holdings: Waste Management Inc, Republic Services Inc, Waste Connections Inc
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