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StashAway’s Fund Selection - Flexible Portfolios

20 June 2022

Overview of StashAway Flexibile Portfolios

Flexible Portfolio Templates

All Available Assets

These are the assets available for you to invest through our Flexible Portfolios.

Build and customise your own Flexible Portfolios from 60+ 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.

For the latest portfolio information, please check our app.

Flexible Portfolio Templates

Passive Income

Ex-US Investment Grade USD Hedged 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.

Global Floating Rate USD

What it covers: Global Floating Rate USD 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 High Yield USD Corporate Bonds

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 LN
  • Fund Manager: iShares
  • Inception: 2011
  • Expense Ratio: 0.50%
  • Top Holdings: Onemain Finance Corp, Teva Pharmaceutical Finance Netherlands III BV, Sprint LLC

US Investment-grade USD

What it covers: US Investment-grade USD 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 US Aggregate Bond UCITS ETF
  • Ticker: IUAG LN
  • Fund Manager: iShares
  • Inception: 2011
  • Expense Ratio: 0.25%
  • Top Holdings: United States Treasury, Federal National Mortgage Association, Government National Mortgage Association II

Global Short Duration High Yield Corporate Bonds

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.

US +20y Treasury Bonds

What it covers: This asset class covers U.S. government bonds with remaining maturities greater than twenty years.

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.

Emerging Markets USD 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
  • 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

Ex-US Developed Market 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)

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.

Ex-US Investment Grade USD Hedged 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.

Ex-US REITs and Real Estate

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.

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

Global Floating Rate USD

What it covers: Global Floating Rate USD 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

What it covers: This asset class covers large and mid cap segments of the Japanese equities market.

  • Underlying ETF: iShares MSCI Japan ETFblo
  • 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 Investment-grade USD

What it covers: US Investment-grade USD 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 US Aggregate Bond UCITS ETF
  • Ticker: IUAG LN
  • Fund Manager: iShares
  • Inception: 2011
  • Expense Ratio: 0.25%
  • 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.

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

World Index Tracking

Total World Market

What it covers: Total world market gives exposure to equities across the globe.

US Investment-grade USD

What it covers: US Investment-grade USD 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 US Aggregate Bond UCITS ETF
  • Ticker: IUAG LN
  • Fund Manager: iShares
  • Inception: 2011
  • Expense Ratio: 0.25%
  • Top Holdings: United States Treasury, Federal National Mortgage Association, Government National Mortgage Association II

All Available Assets

All World

What it covers: This asset class focuses on providing broad exposure to equities from developed and emerging markets worldwide.

  • Underlying ETF: iShares MSCI ACWI UCITS ETF
  • Ticker: ISAC LN
  • Fund Manager: iShares
  • Inception: 2011
  • Expense Ratio: 0.20%
  • Top Holdings: Apple Inc, Microsoft Corp, Amazon Com Inc

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.

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

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.

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.

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.

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.

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 USD 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.

Ethical Investing

What it covers: This asset class is focused on providing direct investment in developed world companies.

Disclaimer: The ETFs in these sub-asset classes are offered as Ethical Investing ETF by its Fund Manager. StashAway is not providing a Shariah-compliant investment advise or investment product.

  • Underlying ETF: iShares MSCI USA Islamic UCITS ETF
  • Ticker: ISDU LN
  • Fund Manager: iShares
  • Inception: 2007
  • Expense Ratio: 0.30%
  • Top Holdings: Microsoft Corp, Tesla Inc, Exxon Mobil Corp

Ethical Investing

What it covers: This asset class is focused on providing direct investment in developed world companies that comply with Shariah investment principles.

Disclaimer: The ETF in this sub-asset class is offered as Shariah-compliant ETF by its Fund Manager. StashAway is not providing a Shariah-compliant investment advise or investment product.

Top Holdings: Microsoft Corporation, Tesla Inc, Exxon Mobil, Johnson & Johnson, Procter & Gamble, Chevron Corporation.

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

Ex-US Developed Market 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)

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.

Ex-US Investment Grade USD Hedged 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.

Ex-US REITs and Real Estate

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.

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

Global Floating Rate USD

What it covers: Global Floating Rate USD 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.

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 Investment-grade Green Financing USD Bonds

What it covers: Global Investment-grade Green Financing USD 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

Global Investment-grade Local Currency

what it covers: This asset class focuses on worldwide investment-grade bonds. Investment-grade bonds are believed to have a lower risk of default and therefore receive higher ratings by the credit rating agencies.

  • Underlying ETF: iShares Core Global Aggregate Bond UCITS ETF
  • Ticker: AGGG LN
  • Fund Manager: iShares
  • Inception: 2017
  • Expense Ratio: 0.10%
  • Top Holdings: United States Treasury, Japan (Government OF), Federal National Mortgage Association

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

Internet Giants

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

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.

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

Next Generation Internet

What it covers: Next Generation Internet 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

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 (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

Technological Innovation

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

Total World Market

What it covers: Total world market gives exposure to equities across the globe.

US +20y Treasury Bonds

What it covers: This asset class covers U.S. government bonds with remaining maturities greater than twenty years.

US 1-3M Treasury bills

What it covers: This asset class covers U.S. government bonds with 1-3 months remaining to maturity.

  • Underlying ETF: JPMorgan ETFs (Ireland) ICAV - BetaBuilders US Treasury Bond 0-3 Months UCITS ETF
  • Ticker: BB3M LN
  • Fund Manager: JP Morgan Asset Management
  • Inception: 2021
  • Expense Ratio: 0.07%
  • Top Holdings: US T BILL ZCP 09/07/23, US T BILL ZCP 10/05/23, US T BILL ZCP 08/31/23, US T BILL ZCP 08/29/23, US T BILL ZCP 09/21/23, US T BILL ZCP 09/28/23, US T BILL ZCP 09/19/23, US T BILL ZCP 09/12/23, US T BILL ZCP 09/14/23

US 1-3y Treasury Bonds

What it covers: This asset class covers short-term U.S. government bonds with 1-3 years remaining to maturity.

US 10-20y Treasury Bonds

What it covers: This covers longer-term U.S. government bonds with 10-20 years remaining to maturity.

US 3-10y Treasury Bonds

What it covers: This asset class covers intermediate-term U.S. government bonds with 3-10 years remaining to maturity.

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.

US Investment-grade USD

What it covers: US Investment-grade USD 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 US Aggregate Bond UCITS ETF
  • Ticker: IUAG LN
  • Fund Manager: iShares
  • Inception: 2011
  • Expense Ratio: 0.25%
  • 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.

Global Investment-grade

What it covers: Global Investment Grade Corporate Bonds comprise of corporate bonds 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.

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

Water

What it covers: 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

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