Do standalone ETF portfolios exist in the EU?

faketales

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Something like this which is from Canada:


Basically buying a portfolio of ETFs. If so how is it treated for tax if bonds are included?

Why XGRO?​

1. A simple and efficient way to gain exposure to a portfolio of ETFs that is broadly diversified by asset class and across regions, in one convenient package. The portfolio targets a strategic asset allocation of 80% equity and 20% fixed income.

2. Continuously monitored and automatically rebalanced, as needed, in order to maintain asset class target weights.

3. A low cost fee structure that allows investors to keep more of what they earn. Management fee of 0.18% includes all underlying ETF management fees.

INVESTMENT OBJECTIVE​

The Fund seeks to provide long-term capital growth by investing primarily in one or more exchange-traded funds managed by BlackRock Canada or an affiliate that provide exposure to equity and/or fixed income securities.
 
Basically buying a portfolio of ETFs. If so how is it treated for tax if bonds are included?
How would it be taxed? Nobody can say definitely. It’s a huge grey area.

The fact that a fund has a bond allocation is not relevant.

But it’s probably a moot question.

Funds can only be marketed to retail investors in the EU if they publish a KID - and Canadian funds do not publish KIDs.

Take a step back -

- are you maximising your tax-relieved pension contributions?

- do you own your own home and have you cleared all your debts (including mortgage debt)?

If the answer to either question is “no”, then you shouldn’t even be thinking of investing after-tax money.
 

Yes, they are available in the EU. For example Vanguard LifeStrategy 80% Equity UCITS ETF.

Holding bonds is irrelevant. They are subject to exit tax at 41% and deemed disposal.
 
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Thank you. Exactly what I was looking for.