Smart Money Invest

e. When selecting ETFs, we consider the following, expense ratio, bid-ask spread, assets under management, exchange rate hedging and capital gains implications. Smart Rebalancing:
The investment in a portfolio will perform according to the market. As time goes on, a portfolio's current asset allocation will drift away from an investor's original target asset allocation (i.e. their preferred level of risk exposure). If left unadjusted the portfolio will either become too risky, or too conservative. Tax Loss Harvesting:
Tax loss harvesting is the practice of selling a security that has experienced a loss. By realizing, or "harvesting" a loss, investors are able to offset taxes on both gains and income. The sold security is replaced by a similar one, maintaining the optimal asset allocation and expected returns

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