Been thinking about this, dunno how crazy it sounds. Obviously XEQT has a huge chunk in the States.
If the States just totally absolutely flunk due to Trump; would that endanger a good chunk (30% or more) of our investment...?
I mean, would that cause there to be better investments down the road than XEQT - ones that don't include the States?
I have a large-ish amount (about 50 to 70k) I'd like to put into xeqt. What's the strategy for buying? Should I go all in one go or progressively buy?
I need advice and some opinions. I have 440,000 Canadian to invest. The reason I have so much to invest is because the money came from a hard asset sale. Lump sum at the moment seems a bit intense to me. DCA could mean I just buy chunks and chase the bull market up anyway. A PE TTM above 21 is definitely NOT CHEAP.
Tell me what you would do and why. Obviously since I am here I like XEQT. Thanks.
28M started investing late due to personal reasons but I’m finally putting my future first. Goal right now is to buy 1 share every biweekly paycheque and then increase it over time!! Any advice would greatly be appreciated!
Is there really any downside in a TFSA for me to do the holy Trinity of EQTs over the next 30 years?
Hi, 33F immigrant here.
Just wanted to share my happiness at being able to have some financial security for the first time in my life.
Being from a society where women are rarely taught personal finance or given control of assets I have worked my very best for more than 25 years to build a solid career and escape. It was a very long and tiring fight.
This group taught me a lot. I am just so giddy to be able to earn good money in a safe society and to be able to have access to investment opportunities like XEQT for my future.
Life is not bleak and scary anymore. Sharing here as I can not share this small success with anyone else without facing judgement and scrutiny.
Thank you all.
30M New to investing, slowly moving everything to XEQT. Plan is to sell off XCHP, XDIV, VFV. probably keep VDY and BANK to be 20% of portfolio just to have dividend exposure. Spacex was just impulse buy, will sell after 90 days from IPO.
Will take any suggestions to rebalance my portfolio.
| Month | Me | Wife | Household Total |
|---|---|---|---|
| January | $17,078.12 | $4,001.00 | $21,079.12 |
| February | $2,185.97 | $2,012.64 | $4,198.61 |
| March | $3,866.77 | $7,501.96 | $11,368.73 |
| April | $2,969.62 | $2,500.00 | $5,469.62 |
| May | $6,946.82 | $3,530.00 | $10,476.82 |
| June | $8,965.82 | $3,000.00 | $11,965.82 |
| July | $7,257.56 | $1,900.00 | $9,157.56 |
| August* | $2,241.70 | $1,500.00 | $3,741.70 |
| YTD Net Total | $51,512.38 | $25,945.60 | $77,457.98 |
| Total Portfolio Value | $1,128,946.55 |
41yo, This is what contributions look like when your Household net pay is 4X -~210k pre tax vs 35k spend - your annual spend and want to FIRE as soon as possible. Goal is 110k by end of year.
Edit
Regarding FIRE, our definition of affording is very strict, we can’t spend more than what the portfolio can sustain with a maximum 4% safe withdrawal rate, even while we are still working and our income permits it. In this example, that caps spending at $3.7k per month. I monitor this every single day to make sure we're on track.
1 year spending QC We both work from home hardly any fuel costs. Our entire finance analysis is automated with AI and Software I built.
10 categories • 407 transactions • $31,751.67 total
| Category | Description | Amount | Transactions | % of Total |
|---|---|---|---|---|
| Bills | $9,058.94 | 72 | 28.5% | |
| └ Energy | Electricity, Heating | $2,850.8 | 18 | 9.0% |
| └ PropertyTaxes | House Tax, School Tax | $2,164.18 | 3 | 6.8% |
| └ Connectivity | Cell Phone, Internet | $1,588.47 | 24 | 5.0% |
| └ Insurance | Insurance | $1,511.19 | 24 | 4.8% |
| └ HomeServices | Snow Removal | $493.21 | 1 | 1.6% |
| └ VehicleFees | Car Registration, License | $451.09 | 2 | 1.4% |
| Groceries | $6,906.74 | 51 | 21.8% | |
| Retail | $6,443.98 | 58 | 20.3% | |
| └ Default | $6,136.98 | 56 | 19.3% | |
| └ Cosmetics | $193.17 | 1 | 0.6% | |
| └ Memberships | Retail Memberships | $113.83 | 1 | 0.4% |
| Restaurants | $4,871.15 | 171 | 15.3% | |
| Home | $1,446.93 | 7 | 4.6% | |
| Transportation | $1,299.07 | 29 | 4.1% | |
| └ Maintenance | Car Repairs, Maintenance | $657.99 | 3 | 2.1% |
| └ Fuel | Gas Stations | $541.22 | 21 | 1.7% |
| └ PrivateTransit | $55.86 | 1 | 0.2% | |
| └ PublicTransit | $44 | 4 | 0.1% | |
| Health | $1,201 | 6 | 3.8% | |
| └ Dental | Dental Clinics, Dentists | $1,076 | 5 | 3.4% |
| └ Clinics | $125 | 1 | 0.4% | |
| Services | $498.57 | 8 | 1.6% | |
| Entertainment | Movies | $17.79 | 3 | 0.1% |
| Other | $7.5 | 2 | 0.0% |
Should we be expecting further drops in the next few days? I’m looking to bulk buy, but still waiting for my funds to arrive.
Hello everyone. Looking to put around $100k of corporate savings into XEQT and basically leave it there long term. Maybe one lump sum or a few large purchases, no regular trading.
My corporate banking is already with RBC, but I also have a Wealthsimple corporate account set up.
For something this simple, would you use RBC Direct Investing or Wealthsimple? Any reason to choose one over the other?
Thanks!
New to buying xeqt . Is my strategy worth it or should I don’t go for this . Any suggestion will be appreciated. Thanks
Hi,
Well as the title suggests, I started investing recently. (mid June 2026 to be specific). July was brutal. DCAd
No debt, 10K emergency fund. Currently, employed 50K a year. Housing provided by company (which helps a lot)
Like most, I tried dabbling initially with individual picks but that didn’t go well.
Interim target is to get 100k in XEQT by mid next year but I am worried about 45% US allocation. I am based out of Canada. Given that US stock market has had a euphoric run for a decade or so and given the geopolitical situation and debt burden it has. I feel I need a hedge against it. How do you guys counter that?
Thanks for your input.
M44
is it foolish to have close to 750K all in XEQT?
Includes rrsp , TFSA , non registered as well.
I am not very savvy when it comes to investing in stock market
Apart from above , I have around 250K in fidelity MF through investment advisor.
How would you go about if you were in my situation?
Should I move 100K in GOLD etf ? Like KILO?
I am looking for 5-10 year horizon
32 years old, memorializing that sweet 22% return with a post
I started investing in XEQT after some bigger purchases. I have an emergency fund that I’m looking to put somewhere rather than just sitting around.
I was looking at cash or money markets )CASH.TO, ZMMK or TCSH), GIC’s or something with low risk. I don’t for see any emergency’s but you never know.
I would appreciate some insight. Thanks!
20m I currently put away 250 a week into xeqt in a tfsa. My bank (rbc) manages my fhsa but i was thinking about managing my fhsa myself and buying xeqt, any reasons i should or shouldnt? I’d want to buy a house in 5-10 years, im not in any rush
Personal milestone at 30y/o.
What a whirlwind past couple of years have been. I lost a lot of money, got myself into debt and withdrew all my money from my TFSA to pay some of the said debt. I started grinding my way back this year and started investing again about 4 months ago.
Of course, I had to make the rookie mistake (again) of stock picking and day trading. I got lucky years ago but it is indeed a casino and will destroy your mental health. Never again. From here on out, I’m keeping it simple and enjoy life, keep buying XEQT bi-weekly and let time do its thing. I also have a db pension through work that I’ve been contributing to for many years now.
Hopefully, future me will look back and be happy with the choices I made today!