OneVest Core Portfolio

Investment Objective & Strategy

The OneVest Core Portfolio seeks to maximize risk-adjusted returns by using the broadest set of asset classes and investment strategies available, which provide both return enhancement and diversification benefits relative to a traditional portfolio of stocks and bonds.

Portfolio Holdings

The OneVest Core Portfolio is constructed using a diversified portfolio of asset classes and investment strategies: 

Commodities	Includes goods such as agricultural products, natural resources, and raw materials. Commodity prices can be sensitive to the economic cycle, exhibit volatility based on supply and demand, and are generally less correlated to stocks and bonds. Portfolio holdings may include: iShares Bloomberg Roll Select Commodity Strategy ETF iShares GSCI Commodity Dynamic Roll Strategy ETF
Cryptocurrencies	Digital assets that work as a medium of exchange across a decentralized public transaction database (“blockchain”). The return potential and volatility of cryptocurrencies can be extremely high. Portfolio holdings may include: Evolve Cryptocurrencies ETF Purpose Bitcoin CAD ETF
Global Public Equities	Stocks that trade on an exchange, diversified across regions, sectors, and company size (market capitalization) in both developed and emerging markets. Portfolio holdings may include: BMO MSCI EAFE Index ETF BMO MSCI Emerging Markets Index ETF iShares Core MSCI All Country World ex Canada Index ETF iShares Core MSCI EAFE IMI Index ETF iShares Core MSCI Emerging Markets IMI Index ETF iShares Core S&P US Total Market Index ETF iShares Core S&P/TSX Capped Composite Index ETF Vanguard FTSE Canada All Cap Index ETF Vanguard FTSE Global All Cap ex Canada Index ETF Vanguard US Total Market Index ETF
Investment Grade Bonds	Includes bonds that are typically issued by governments and large corporations. These bonds have high credit ratings and are considered relatively safe investments. Portfolio holdings may include: iShares Core Canadian Universe Bond Index ETF Vanguard Canadian Aggregate Bond Index ETF
Corporate Credit	A type of fixed income that typically focuses on corporate bonds and loans. Credit investing carries greater risk than investment grade bonds, but the potential returns are also higher. Portfolio holdings may include: BMO High Yield US Corporate Bond Index ETF Vanguard Canadian Short-Term Corporate Bond Index ETF
Listed Infrastructure	Consists of publicly traded companies that are owners and operators of infrastructure assets and capital-intensive, long-lived real assets such as roads, dams, bridges, waterways, railways, communication networks, and electricity systems. Portfolio holdings may include: BMO Global Infrastructure Index ETF
Real Return Bonds	Usually issued by governments, these types of bonds provide inflation protection. The principal and coupons are automatically adjusted according to the Consumer Price Index (CPI). Portfolio holdings may include: iShares Canadian Real Return Bond Index ETF SPDR Portfolio TIPS ETF

Portfolio Allocations (%)

The OneVest Core Portfolio is available in five risk profiles: 

	Very Low Risk	Low Risk	Medium Risk	High Risk	Very High Risk
Commodities	9	8	8	6	5
Corporate Credit	33	27	17	10	4
Cryptocurrencies	-	-	-	2	4
Global Public Equities	13	34	53	65	78
Investment Grade Bonds	37	21	13	8	-
Listed Infrastructure	2	6	8	8	8
Real Return Bonds	5	3	-	-	-

Portfolio Performance (%) - Annualized

Note: performance is shown for illustration purposes only and is not based on actual client results, which may vary. Please see below for additional disclaimers.

	1 Month	3 Month	6 Month	YTD	1 Year	2 Year	3 Year	Since Inception
Very Low Risk	0.14	2.16	5.86	10.76	10.76	8.37	3.76	3.95
Low Risk	-0.15	3.56	8.29	14.75	14.75	10.99	5.06	5.31
Medium Risk	-0.45	4.29	9.69	18.31	18.31	14.16	6.59	7.15
High Risk	-0.78	5.43	11.50	23.71	23.71	19.00	8.84	9.51
Very High Risk	-0.96	6.96	13.58	28.56	28.56	23.76	10.11	10.95

Source: OneVest as of December 31, 2024. Portfolio inception date: October 1, 2021.

Disclaimer

This information should not be relied upon as investment advice, research, or a recommendation by OneVest Management Inc. (“OneVest”) regarding (i) the Funds, (ii) the use or suitability of the model portfolios or (iii) any security in particular. OneVest does not provide legal or tax advice and we encourage you to consult your own lawyer, accountant, or other advisors before making an investment.

The information on this website is not an offer or solicitation for the purchase or sale of any financial instrument in any jurisdiction, nor is it a commitment by OneVest or any of its affiliates (collectively “OneVest”) to enter into any transaction referenced herein. All information provided by OneVest herein is indicative, is based on certain assumptions and current market conditions and is subject to change without notice. Accordingly, no reliance should be placed on the information herein. In deciding whether to enter into any transaction or strategy referenced herein, the recipient should rely solely on the final documentation, which will contain the definitive terms and conditions relating to any referenced transaction or strategy.

The information has been provided for illustrative purposes only and should not be relied upon by you in evaluating the merits of investing in any securities or strategies mentioned herein. This data is hypothetical and the performance does not represent actual returns. All data shown is reported in Canadian dollars and reported gross of OneVest’s discretionary management fees, but net of any management expense ratios (MERs) of underlying funds. The interpretation of these results should take into consideration the limitations inherent in the results of the model. Actual client portfolio returns may differ due to fees, rebalancing frequencies, as well as the timing of deposits and withdrawals.

Your capital is at risk with any type of investment. The value of your portfolio with OneVest can increase or decrease. Past performance is no guarantee of future results. Please read our investment risk disclosure for more information.

An investment may be risky and may not be suitable for an investor's goals, objectives, and risk tolerance. The value of investments and the income derived from investments will fluctuate and can go down as well as up. A loss of principal may occur.

Portfolio target allocations are subject to change at the discretion of OneVest’s portfolio managers. Target allocations may differ slightly from what appears in client accounts due to periodic market fluctuations.

The price movement of an index-based ETF may not track the underlying index and may result in a loss. ETFs may trade at a price below their net asset value (also known as a discount). All regulated investment companies are obliged to distribute portfolio gains to shareholders.

OneVest Management Inc. is a registered Portfolio Manager in each of the provinces and territories of Canada and as an Investment Fund Manager in the provinces of Alberta, Ontario, Newfoundland and Labrador, and Quebec.

Assets in your OneVest accounts are held with various custodians, each registered as an investment dealer with the applicable securities regulators. All custodians are members of the Canadian Investment Regulatory Organization (“CIRO”) and the Canadian Investor Protection Fund (“CIPF”).

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