Easy as Pie Portfolio
Investing comes with risk. This article is a general discussion of the merits and risks associated with these ETFs, not a specific recommendation. Speak to an investment professional and make sure your portfolio is diversified. Tim does not own shares of any funds mentioned in this article.
Divesting from fossil fuels just got a lot easier. In March 2019, Desjardins launched the Desjardins RI Global Multifactor Fossil Fuel Reserves Free ETF (DRFG).
This portfolio is the absolute simplest I could make it. It is 100% RRSP and TFSA eligible, and the annual management fee is 0.48% and a weighted-average carbon intensity of 52.5 tons of CO2 per million dollars in revenue.
Asset Class | Weight | Name and Website |
Global Equity | 60% | Desjardins RI Global Multifactor Fossil Fuel Reserves Free ETF (DRFG) |
Government Bonds | 40% | iShares 1-10 Year Laddered Government Bond Index ETF (CLG) |
Read more
Squeaky Clean Portfolio
Investing comes with risk. This article is a general discussion of the merits and risks associated with these ETFs, not a specific recommendation. Speak to an investment professional and make sure your portfolio is diversified. Tim Nash owns shares in ETHI, SDG, ZGB, and owns a Sketch community bond.
The Squeaky Clean Portfolio is simple, with no fossil fuels, mining, tobacco, or weapons. It is very diversified, yet places a strong bet on the emergence of a low-carbon economy. The total annual cost of this portfolio is 0.36% and the weighted-average carbon intensity is 42.1 tons of CO2 per million dollars in revenue.
Asset Class | Weight | Name and Website |
Global Equity | 40% | Horizons Global Sustainability Leaders ETF (ETHI) |
Impact Equity | 20% | iShares MSCI Global Impact ETF (SDG) |
Government Bonds | 30% | BMO Government Bond Index ETF (ZGB) |
Impact Bonds | 10% | Sketch Community Bond |
Read more
Organic Couch Potato Portfolio
Investing comes with risk. This article is a general discussion of the merits and risks associated with these ETFs, not a specific recommendation. Speak to an investment professional and make sure your portfolio is diversified. Tim Nash owns shares of PZD and a Solar Bond in his personal portfolio. Tim does not own shares of the other ETFs mentioned in this article.
This portfolio is a simple version of a typical Canadian Couch Potato portfolio, but uses funds that incorporate a strong sustainability lens. The portfolio is very diversified, yet places a strong bet on the emergence of a low-carbon economy. The total annual cost of this portfolio is 0.24%. The weighted average carbon intensity of this portfolio is 55.31 tons of CO2 per million dollars in revenue.
Asset Class |
Weight |
Name and website |
Canadian Equity | 15% | iShares ESG Advanced MSCI Canada Index ETF |
US Equity | 15% | iShares ESG Advanced MSCI USA Index ETF |
Int'l Equity (developed) | 10% | iShares ESG Advanced MSCI EAFE Index ETF |
Int'l Equity (emerging) | 5% | iShares ESG Advanced MSCI EM ETF |
Green Equity | 15% | Invesco Cleantech™ ETF |
Canadian Bonds | 30% | BMO Government Bond Index ETF |
Solar Bonds | 10% | SolarShare Community Bonds |
Read more
Vanguard Cheap AF ESG Portfolio
Investing comes with risk. This article is a general discussion of the merits and risks associated with these ETFs, not a specific recommendation. Speak to an investment professional and make sure your portfolio is diversified. Tim Nash does not own any shares of the ETFs mentioned in this article.
I’ve long admired Vanguard’s unique ownership structure and their mission to keep fees low for investors. Imagine my excitement when they launched their new ETFs with a socially responsible mandate. I even got to write about their pros and cons for MoneySense! This portfolio is by no means perfectly sustainable, but it is hyper diversified and very cheap with a total Management Expense Ratio (MER) of just 0.19%.
Asset Class |
Allocation |
ETF Name |
Ticker |
MER |
Currency |
US Equity |
30% |
ESGV |
0.12 |
USD |
|
Int'l Equity |
30% |
VSGX |
0.15 |
USD |
|
Gov’t Bonds |
40% |
VGV |
0.28 |
CAD |
Curiously, Vanguard’s Canadian Government Bond ETF (VGV) is not the cheapest Canadian government bond ETF on the market so investors can lower their total MER to 0.15% by swapping it out for less expensive options from BMO (ZGB) and iShares (CLG).
Read moreFossil Fuel Free Portfolio
Investing comes with risk. This article is a general discussion of the merits and risks associated with these ETFs, not a specific recommendation. Speak to an investment professional and make sure your portfolio is diversified. Tim Nash owns shares of CGR, XHC, CWW, XCD, XLK, EVX, PZD, QCLN, and IXP in his personal portfolio. Tim does not own shares of the other ETFs mentioned in this article.
The equity portion of this portfolio consists of global sector funds, and excludes the following sectors: Energy, Materials, Utilities, and Infrastructure. It is as diversified as possible, yet contains no extractive companies, major carbon emitters, or pipelines. The total annual cost of this portfolio is about 0.43%.
Real Estate 2.5% iShares Global Real Estate Index ETF (CGR)
Healthcare 5% S&P Global Healthcare Index Fund (XHC)
Industrials 5.5% S&P Global Industrials Index Fund (XGI)
Water 5% S&P Global Water Index Fund (CWW)
Consumer Discretionary 5% S&P Global Consumer Discretionary Index Fund (XCD)
Consumer Staples 4.5% iShares Global Consumer Staples Fund (KXI)
Technology 7.5% Technology Select Sector SPDR Fund (XLK)
Cleantech 4% PowerShares Cleantech Portfolio (PZD)
Green Energy 4% NASDAQ CleanEdge Green Energy Index Fund (QCLN)
Environmental Services 4.5% Market Vectors Environmental Services ETF (EVX)
Financials 10% iShares Global Financials Fund (IXG)
Telecommunications 2.5% iShares Global Telecom Fund (IXP)
Canadian Gov’t bonds 30% iShares DEX All Government Bond Index Fund (XGB)
Community Bonds 10% CoPower Green Bonds
Read more
Need Help?
Want to manage your own money but need help getting started? The Sustainable Economist has created a new company that offers investment coaching services for do-it-yourself sustainable investors.
Check out the website: https://www.goodinvesting.com/