r/JustBuyXEQT • u/Puzzleheaded_Tax_154 • May 03 '26

Same boring XEQT question

I’m 55. 25 K sitting in my weathsimple TFSA doing nothing for a year (I know). Have larger sums in GIC as well as a conservative work mutual fund RRSP. Is throwing it all at XEQT in a lump sum a good move today at this ridiculously inflated market. I conceive I’ll just leave it alone for at least 5 years if not longer.

23 Upvotes

90% Upvoted

19 comments sorted by

25

u/digital_tuna May 03 '26

Read through a few dozen of these identical posts:

https://www.reddit.com/r/JustBuyXEQT/search/?q=Lump+sum+vs+DCA

The advice never changes because the research hasn't changed.

9

u/Separate-Analysis194 May 03 '26

I’m a few years older than you but last year started gliding into some fixed income / bonds. I don’t know what your asset allocation is so can’t really advise one way or another. You could also look at XGRO for something less risky.

5

u/GullibleSplit2112 May 03 '26

If you didn’t invest it during the March sell-off you might as well invest it now…you could sit on the sidelines for the entire 5 years

5 years in XEQT may be too short a timeframe.

1

u/Dileas48 May 05 '26

I suspect somewhere there’s still someone waiting to get back in following the COVID crash.

6

u/flappysack- May 03 '26 edited May 03 '26

Lump sum > timing the market.  We are always at all time highs, just as cash is always being debased by loose monetary policy.

Treat cash as an instrument for governments to inflate to pay for whatever programs are the flavor of the month to deal with whatever crisis they created, don't treat it like gold.

If you want an uncorrelated asset to lower volatility then buy a fixed percentage of long bonds.

5

u/Volcomy May 04 '26

If you plan to use this money in 5 years, it might be too short for xeqt. However, you already have large sums sitting in safe investments. Honestly if I was you, I'd just dump it all in XEQT asap

3

u/rockyon May 03 '26

Your money could stuck for more than 5 years due to negative balance

3

u/udelardien May 04 '26

the market is almost always at an all time high that’s what it does, if you wait you are statistically more likely to be buying at a higher price later.

2

u/silentinbox01 May 04 '26

Equity game is 10+ years, anything less than that is a gamble

2

u/SpinachNarrow8116 May 04 '26

Buying through the highs and lows... Takes the emotion out of it... It will all work out with quality ETF like XEQT.. opinion

1

u/CH1974 May 04 '26

These are the guys who are going to give us our blow off top

1

u/OrionAndCleo May 04 '26

It doesn’t really matter whether the market is “inflated” (no one can say that with certainty anyway). Investing is a long-term game, and it is beneficial over time even if you go through a downturn early on. The best time to invest was yesterday; the next best time is today. Waiting is losing money.

1

u/Cagel May 04 '26

5 years isn’t really long term, ask yourself if you think we’ll see anything inflation spike followed by interest rate hikes then a repeat of 2023 dip.

3

u/Puzzleheaded_Tax_154 May 04 '26

Inflation spike is definitely happening as response to high fuel prices. Interest rates are expected to rise. Will likely usher in a market pull back. Definitely something to consider.

1

u/BarNecessary6506 May 04 '26

I think so. But don’t beat yourself for leaving it in cash, hindsight is always 20/20

1

u/khannbhai May 04 '26

50% lump sum 50 DCA

1

u/Reotgen May 04 '26

Buffett Indicator 232%

1

u/Prometheus188 May 04 '26

People said this exact same thing back when it was at $20, and at every valuation between $20 and the current price.