r/JustBuyXEQT

This doesn't make sense. Should I panic sell?

New to stock market

I need some advice I’ve talked to a few people and they told me if I want to invest it should be in a tfsa either XEQT but I feel like I have no understanding of what I should be doing with it. So I need to buy XEQT but how much should I buy and can I pull money out whenever or is it in a set amount of years? I’m just so clueless any help would help appreciated

Why would you choose one over the other. If I am only interested in holding xeqt, what are the pros and cons of each account type

Rather than just post a bunch of Wealthsimple screenshots, I decided to write it out (new account so this is not linked to my main):

About me:

• Medium COL city in BC
• 33 M
• Base income $120,000 (plus endless OT available, shift differential, holiday pay, etc.)
• Federal Government pension
• Renting ($1970/mo); Previously owned a condo, sold it late 2025 and made $45,000 profit after owning it from 2021-2025
• Zero debt (aside from monthly credit card bill that never carries a balance, and below Margin investing); Paid off 2019 Toyota Rav 4

Now the numbers. I use Wealthsimple as my primary financial institute, have brick/mortar bank available too. All numbers as of July 05, 2026 at 09:30 PST

• Spend: $7,172.45

• Invest: $489,816.60

#Breaking down Invest:

###Trading: $240,537.16

ETF account: $239,313.94

• XEQT (2,725 shares): $123,883.89
• XTR (7,064 shares): $87,595.80
• HYLD (1,733 shares): $27,834.26
• Recently completely redid my portfolio to slim it down to these three ETFs.
• I do a 70/20/10 split in the above order. Shares are rounded down to nearest whole.

Margin account: +$1,223.22

• XEQT (1,006 shares): Total is $45,739.62; then minus the $44,516.40 of margin lending to get the above net gain
• Only started this margin account within the last few weeks

###Wealthsimple Managed Portfolio: $249,279.43

TFSA: $161,206.97

• +24.86% all time
• WS risk level 7/10
• Growth portfolio
• Classic theme
• Management fee 0.4%
• Maxed out, each year's allowable room used each year

RRSP: $87,436.87

• +24.13% all time
• WS risk level 10/10
• Growth portfolio
• Classic theme
• Management fee 0.4%
• Maxed out, each year's allowable room used each year

I was previously with Investors Group for TFSA/RRSP, since that's what my parents did and I just followed suit. It wasn't until November 2024 that I moved all over to Wealthsimple and used their Managed Portfolios for TFSA/RRSP. So I have been with WS since then.

I am in the process of transferring my RRSP from RBC mutual funds to self directed RRSP account wealth simply.

The money has been liquidated already and is on it's way to Wealth Simply

I want to buy xeqt with it, so my question is should I buy in one shot or several days or weeks

Amount is 40k

Over 5 years, $1,000 grew to ~$1,940 in XEQT vs ~$2,185 in ZSP. ZSP outperformed by ~$245, driven by strong U.S. large-cap stocks.

Please explain this to me

So I had a bunch of money in a flexible gic, because I had it put aside to pay off my ex for her share of the house.

Now that that mess is completed there’s about 12,800 left there at 2.4% it matures in nov projected $13107 according to the app.

My question is, is it worth it to pull early forgoing that few hundred and drop it all into xeqt? Or wait till it matures and do the same.

Edit: I think I’ll just hang onto it till maturity, eagerness to get investing had me itching to buy. Thanks for the replies. Looking forward to dropping a dividend post someday haha.

For context, my portfolio is down 20% because of US stocks and some silver and gold but I’m at 12k in TFSA..,

I’m 22M and have 12.5K in the following split: 46% XEQT, 26% VFV 25% BTC, rest in cash emergency fund. Assuming I sell of BTC after a few years (not planning on contributing more, avg cost ~105K and bought mostly so I have a foothold in crypto for a few years) and do a 70/30 XEQT/VFV split, what is the math behind retiring at, say, 55?

Even at a somewhat conservative 8% post-inflation growth rate, over 28 years is 20K enough to contribute yearly to safely retire at 4% fire by that age? Is there something better to be buying if that’s my time-horizon? Assuming I increase contributions (say 30K/year by age 30, 40K/year by 40) can I FIRE earlier? Thanks.

Whenever someone posts their portfolio, I often see comments telling them no reason to buy VFV and XEQT since they overlap.

However, we know the US market has been performing very well over the last decade, and we don’t know if it will keep doing that for the next year or the next decade also, so what is so wrong with holding both? If it’s stops performing that well then so be it, if it keeps performing then also so be it! I’m 20 and have about 30k in XEQT I feel like at my age I can put more in the us market, no? I have another 20k laying around spread across other ETFS (10k will go straight to anthropics when it IPOS this shit is retiring me and everyone on my street I can see the future, /s). I’m thinking the remnant of the 10k can go in VFV.

Whenever I ask advice in real life I often get told that I’m investing and that’s the important part and that I should just forget about it for the next decades, but I’m tired of hearing this sincerely. I genuinely hate working so much and I don’t care I want to retire asap. (Asap as in 30 years). I was using 6% return yearly with a monthly contribution of 1500$ which gave me 1.7M at age 50. Pretty solid. All this to say

TLDR: Should my portfolio be 25-35% VFV while the rest is XEQT?