ETF Comparison

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CGRW CIBC

CIBC Balanced Growth ETF Portfolio

Asset Allocation
MER
1.11%
Yield
1.43%
Price
$22.05
Holdings
9
AUM
$374M
Inception
Nov 2025
Asset Allocation
75%
25%
Stocks 75% Bonds 25%
VCIP Vanguard

Vanguard Conservative Income ETF Portfolio

Asset Allocation
MER
0.22%
Yield
2.97%
Price
$27.75
Holdings
14,070
AUM
$254.6M
Inception
Jan 2019
Asset Allocation
20%
80%
Stocks 20% Bonds 80%

Performance Comparison

ETF 1M 3M 6M YTD 1Y 3Y 5Y 10Y Since Inception
CGRW
VCIP 1.81% 0.47% 3.24% 7.96% 7.00% 2.76% 3.86% (Jan 2019)
As of: May 31, 2026
3Y, 5Y, 10Y, and Since Inception returns are annualized.

Calendar Year Returns

Last six full-calendar years

ETF 2025 2024 2023 2022 2021 2020
CGRW
VCIP 5.91% 6.91% 8.23% -12.09% 1.46% 8.43%
As of: May 31, 2026

Growth of $10,000

Initial Investment
$
Monthly Contribution
$

TWR = Time-Weighted Return (measures fund performance). MWRR = Money-Weighted Return (measures your personal return including contribution timing). Past performance does not guarantee future results.

CGRW — Mix

Geographic Allocation
Canada 36.0%
Canada 36.0%
United States 35.5%
United States 35.5%
Japan 5.6%
Japan 5.6%
United Kingdom 3.3%
United Kingdom 3.3%
Sector Allocation
Financial Services 21.5%
Financial Services 21.5%
Technology 21.4%
Technology 21.4%
Industrials 11.6%
Industrials 11.6%
Energy 8.0%
Energy 8.0%

VCIP — Mix

Geographic Allocation
Canada 60.6%
United States 44.5%
United States 44.1%
Canada 29.6%
Canada 29.2%
United States 20.1%
Japan 4.2%
Japan 4.2%
Sector Allocation
Technology 24.2%
Financials 20.0%
Industrials 12.2%
Consumer Discretionary 10.1%
Energy 8.2%
Basic Materials 7.8%
Health Care 5.9%
Utilities 3.4%

Top 10 Holdings

Latest reported top holdings for each ETF

CGRW CIBC Balanced Growth ETF Portfolio

# Holding Weight
1 CIBC MSCI USA Equity Index ETF 30.01%
2 CIBC MSCI Canada Equity Index ETF 21.05%
3 CIBC MSCI EAFE Equity Index ETF 18.91%
4 CIBC Canadian Bond Index ETF 13.2%
5 CIBC Glb Bd exCan Index ETF (CAD-Hedged) 8.38%
6 CIBC MSCI Emerging Markets Eq Idx ETF 5.2%
7 CIBC Canadian Short-Term Bond Index ETF 2.4%
8 Cash & Cash Equivalents 0.45%
9 Other Assets, Less Liabilities 0.42%

VCIP Vanguard Conservative Income ETF Portfolio

# Holding Weight
1 Canadian Government Bond 33.31%
2 UNITED STATES TREASURY BILL 11-08-2026 7.32%
3 Japan Government Five Year Bond 1.58%
4 French Republic Government Bond OAT 1.19%
5 Fannie Mae Pool 1.11%
6 Italy Buoni Poliennali Del Tesoro 1.08%
7 Hydro-Quebec 0.97%
8 Freddie Mac Pool 0.96%
9 United Kingdom Gilt 0.91%
10 Bundesrepublik Deutschland Bundesanleihe 0.78%
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