Hi guys,
I need to diversify portfolio heavily concentrated in US / Canada and I would like to get exposure to Emerging and developed markets. I have 23 to deploy and I was thinking to buy on 17K XEF and use 6k to buy XEC.
Do you think those etfs can fill mentioned gap? Do you know better candidates?
Thank you
Hi guys,
I need to diversify portfolio heavily concentrated in US / Canada and I would like to get exposure to Emerging and developed markets. I have 23 to deploy and I was thinking to buy on 17K XEF and use 6k to buy XEC.
Do you think those etfs can fill mentioned gap? Do you know better candidates?
Thank you
There is a one under the tree
🚨NERD ALERT🔔
Using chatgpt I ran a breakdown of my home purchase to understand what actually drove my “gain” — separating house price movement, inflation, and mortgage effects.
I’m sharing this only to review how inflation impacts real estate, equity, and debt erosion. This is a simplified model, and I’m missing important real-world costs like mortgage insurance, maintenance, property taxes, repairs, and other ownership expenses.
On the bottom of the post I left the prompt if you would like to run numbers for your situation.
📌 My situation
Bought: $560K (2022)
Down payment: $28K (5%)
Current value: $640K
Mortgage remaining: $485K
Inflation since purchase: ~17% (Canada estimate)
What it looks like in nominal terms (simple view)
Current equity: $155K
Initial equity: $28K
👉 Nominal gain: +$127K
🧠 2. Real breakdown (inflation-adjusted economics)
Instead of just looking at price change, I split it into:
🏠 A) House performance vs inflation
Inflation-adjusted 2022 price: ~$655K
Current value: $640K
👉 Real house performance: −$15K
(so the home slightly underperformed inflation)
🏦 B) Mortgage inflation effect (debt got “cheaper”)
Original mortgage: ~$532K
Inflation-adjusted mortgage today: ~$414K
👉 Debt became ~$118K lighter in real terms
But part of that was paid down through income:
Mortgage principal paid: $47K
👉 Pure inflation benefit on debt: +$71K
📊 3. Final combined result (key insight)
🏠 Asset side:
−$15K (house vs inflation)
🏦 Liability side:
+$71K (inflation reducing mortgage burden)
🎯 Net effect from macro forces only:
👉 ~+$56,000 real gain
💡 4. Full picture (including my payments)
If we include everything:
Mortgage paydown: +$47K
Inflation debt benefit: +$71K
House underperformance: −$15K
👉 Total real wealth gain: ~+$103,000
🧠 Key takeaway
The house itself didn’t really “beat inflation”
Most of the gain came from:
leverage (5% down)
mortgage paydown
inflation reducing real debt burden
📎 Prompt I used
I bought a property on [purchase date] for $[purchase price] with a [down payment % or amount] mortgage.
My current home value is $[current value], and my remaining mortgage is $[current mortgage].
Please break it down into:
Nominal gain
Mortgage paydown contribution
Market appreciation
Inflation-adjusted value comparison
Real gain in purchasing power terms
Inflation effect on mortgage (debt erosion)
Final summary splitting real vs nominal wealth
Show clean step-by-step math.