Dan Malone

And the beauty of that is you kind of have

flexibility and control to allocate your money to each of those regions as you see fit over time whereas if you just go with the single all world etf you're kind of restricted to however way the different regions are balanced within within that index and nearly all the time 60 plus is always going to be allocated to the us so it gives you a bit more flexibility there if you want like a lot more exposure to europe or the emerging markets you can do that

Once you kind of find the ETF or the region that you're looking for, you kind of want to be looking at number one.

What are the different kind of expense ratios of the ETFs to make sure that your returns are good?

But also important is whether or not the ETF pays a dividend.

Because for taxation reasons as well, it's an important consideration.

There's really two types of ETFs, accumulating ETFs and distributing ETFs.

I know, I know, I know.

There's a lot.

Honestly, it seems like a lot.

But once you kind of get into the flow of it, and like, again, you only have to do this like once ever.

You know what I mean?

Like that's the thing is that like you find the one ETF that you want to invest in and you're kind of done.

You know what I mean?

Okay, okay.

But really all that means is there's certain ETFs that will pay out a dividend because if you think about it logically, the fund owns loads of company shares.

And some of those companies will pay dividends to their shareholders.

So the fund is a shareholder of loads of different companies.

And so it's going to receive dividends from those companies.

And some ETFs will pay those dividends onto you.