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Lesson 3.2 | All-in-one ETFs

Lessons

11 December 2025

3 min read

If the idea of building your own portfolio feels overwhelming, all-in-one ETFs do it for you — in one single investment.

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Written by

Ana Kresina


Big idea: If the idea of building your own portfolio feels overwhelming, all-in-one ETFs do it for you — in one single investment.

All-in-one ETFs bundle different types of investments (like Australian shares, international shares, bonds, and sometimes property) into a ready-made portfolio.

Why people choose all-in-one ETFs

All-in-one ETFs are popular for a reason:

  • Instant diversification
  • Automatic rebalancing
  • You know exactly what mix of assets you’re getting
  • You don’t have to manage anything
  • Great for beginners who want simplicity

Think of them as a pre-packed smoothie — everything blended for you. Making it easy to invest regularly without having to adjust your portfolio.

Types of all-in-one ETFs

They usually come in different “risk levels”:

  • Conservative
  • Balanced
  • Growth
  • High growth

Higher growth often means more shares (more ups and downs) and fewer bonds.
Conservative means more bonds (less movement and risk), fewer shares.

Example

A high-growth all-in-one ETF may hold:

  • 90% global and Australian shares
  • 10% bonds

A balanced ETF may hold:

  • 60% shares
  • 40% bonds

Why should I care?

Because all-in-one ETFs take the complexity out of building a portfolio. They’re loved by beginners and anyone who wants a truly hands-off approach. With just one ETF, you can be instantly diversified and invest regularly without ever stressing about rebalancing — the fund quietly handles that part for you.

Try this today

Search for “diversified ETF” and explore its holding breakdown.

Author Profile Picture

Written by

Ana Kresina

Ana Kresina is the Head of Digital Advice at Pearler. She is also the co-host of the Get Rich Slow Club, one of Australia's leading podcasts on long-term investing, budgeting, and savings hacks. Beyond Pearler and the Get Rich Slow Club, Ana has written two books on finance and investing. The first, "Kids Ain't Cheap", explores how to plan financially for parenthood and your family's future. She co-wrote her second book, "How to Not Work Forever", with her Get Rich Slow Club co-host Natasha Etschmann (of @tashinvests fame). Outside of Pearler, writing, and podcasting, Ana lives with her partner and two children in Melbourne. Before moving to Australia, Ana was a competitive roller derby athlete in her birth country of Canada.

Remember, that this is general in nature and doesn't constitute personal advice. Reach out to a financial professional when considering making financial decisions. All figures and data in this article were accurate at the time it was published. That said, financial markets, economic conditions and government policies can change quickly, so it's a good idea to double-check the latest info before making any decisions.

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