I understand TheAnswerIs.ca Inc. MLTIP comprises only equity ETFs. I also understand that equities have higher long-term returns (good), but also have much more risk (bad) and volatility (can be a good thing if you learn to take advantage of it), than fixed income investments.
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Long-term average equityreturns have averaged 10% to 12%, while long-term average bond returns have averaged 4% to 6%. However, equity returns are much more volatile than bond and other fixed income returns, i.e., equity prices can drop as much as 50% in any given year, which is why an investor in equities must be willing to leave their money invested for 10 years to benefit from the eventual market recovery, and higher long-term average equity returns. For more information, please see Investment Piece #4 Investment Risk, as well as Investment Piece #5 Risk & You.