To be clear, we are not saying that a do-it-yourself (DIY) investing is not appropriate. For many investors, this is an appropriate option. But knowing how to properly construct a portfolio that takes into consideration many important factors like risk tolerance, time horizon and cost isn't easy - even for financial professionals. This is where all-in-one portfolio solutions can become the very logical and convenient option for many investors - even the jack of all trades type!

Using an analogy, let's compare investing to a home renovation using two types of people: Unhandy Andy and DIY Diana.

Unhandy Andy - Because Andy isn't quite handy, he is the type of person would rather outsource the job to the professionals. Just like hiring a general contractor to oversee a renovation, similarly this is where an all-in-one investment solution may be helpful. A solution that allows investors to get access to a prudently built, well-diversified mix of funds and/or ETFs. These portfolios are often identified by risk tolerance (conservative, balanced, growth, etc.) and would automatically rebalance periodically to keep the risk consistent over time.

DIY Diana - Diana is very different from Andy. She is handy enough to complete the whole renovation on her own, however, there are aspect she still needs expert assistance with - like plumbing or electrical. While very handy, Diana still could use a general contractor for some aspects of the job and complete the rest herself. From an investment standpoint, all-in-one portfolios could be useful here as well, as it could serve as the core of the portfolio (just like plumbing and electrical is very much the core of a house), and then Diana can tackle to rest of her portfolio and be the true DIY she likes to be.

At TD Asset Management Inc. (TDAM) we have over 40 ETFs available to investors like DIY Diana and Unhandy Andy that offer enough variety to build a sound portfolio that helps preserve and grow savings. In particular, we have a wide range of ETFs to do-it-yourself and/or the all-in-one TD ETF Portfolios that offer a convenient way to diversify your portfolio, regardless the size of your investment, large or small. Whether you are risk-averse, comfortable with risk, or a bit of both, the following solutions may help secure your medium-term and long-term investment goals:

• TCON: TD Conservative ETF Portfolio
• TBAL: TD Balanced ETF Portfolio
• TGRO: TD Growth ETF Portfolio

As investors, it's important to have a balanced approach to investing. This helps to preserves capital, maintains growth, and achieves success. If you need to find your financial balance, reach out to a TD advisor or investment professional for guidance.

TD ETF Portfolios are an all-in-one ETF solution designed to simplify investing. These three diversified options leveraging index investing which allows us to offer one of the lowest management fees in Canada. To see what other ETF options are available to you, check out our ETF Product Guide at TD.com/ETFs.

You can invest with TD Easy Trade^TM, TD Direct Investing, or a trusted TD Advisor. Learn more at TD.com/ca/en/investing.

本文所含信息由道明资产管理有限公司提供，仅供参考。信息出自我们认为可靠的来源。本信息并未提供财务、法律、税务或投资建议。具体的投资、税款或交易策略应根据每位投资者的目标和风险承受能力加以评估。

Commissions, management fees and expenses all may be associated with investments in exchange traded funds (ETFs).投资前请参阅招股章程和ETF情况概要。 ETFs are not guaranteed, their values change frequently, and past performance may not be repeated.交易所买卖基金单位在证券交易所按市场价格进行买卖，因此收益会因经纪人佣金的支付而减少。

本文档中的部分陈述可能包含预测性的前瞻性陈述（“FLS”），其中包含“预计”、“预期”、“打算”、“认为”、“估计”和类似的前瞻性表述或其否定形式。前瞻性陈述基于当前对未来普遍的经济、政治、相关市场因素（例如利率和汇率、股票和资本市场）以及普遍经营环境的预计和预测，并假定不发生税法或其他法律或政府管制方面的任何变动或灾难事件。对于未来事件的预计和预测本身受无法预见的风险和不确定性的影响。此等预计和预测可能在未来并不准确。前瞻性陈述并非对未来表现的保证。实际发生的事件可能与前瞻性陈述明示或暗示的事件存在实质差异。包括上文所述各项因素在内的多个重要因素均可能造成这种背离。您不应在任何程度上依赖于前瞻性陈述。

道明交易所买卖基金由道明银行（Toronto-Dominion Bank）全资子公司道明资产管理有限公司（TD Asset Management Inc.）管理。

道明资产管理有限公司 (TD Asset Management Inc.) 是道明银行 (The Toronto-Dominion Bank) 的全资拥有附属机构。

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