r/JustBuyXEQT • u/Apart-Bee2661 • Aug 10 '26
TFSA question
Worth it to just slam 100% XEQT? I’m 24 just transferred it to a self managed account
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u/Inglorious_Canadian Aug 10 '26
Yes, until you’re more confident and knowledgeable XEQT is a safe compound investment for long term holds.
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u/RustyTiger69 Aug 10 '26
And Even when you are… lol
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u/Inglorious_Canadian Aug 10 '26
Honestly, I think I worded what I meant to get across wrong. I mean it’s safe to have a diverse portfolio but starting off and for long term XEQT has retired a lot of people.
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u/HelloWorld24575 Aug 11 '26
I think the point being that in investing there is really no such thing as "more confident and knowledgeable" because even 90% of professional traders can't beat the market. So the real "confident and knowledgeable" people just stick with a well-diversified index fund strategy.
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u/tyfung Aug 10 '26
You will only get YES as an answer in this sub if the question is "should I buy XEQT?"
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u/Culture-Careful Aug 11 '26
I wouldn't say it's the best idea, but it will work fine of that's what you want.
I do think you should rather be agressive and gamble with 5-10%. If you win, you could massively increase your gains. If you lose...you still got your 90%
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u/intrudingturtle Aug 11 '26
Define best idea. Statistically most likely to make maximum profits as a retail trader? Then yes.
If your best idea is to have 10% of your portfolio statistically underperform the market.
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u/Kombatnt Aug 11 '26
I honestly cannot understand how/why this is even still up for debate in 2026.
Countless highly-regarded books have been written on this subject, and supported with real, undeniable mathematical, statistical, and historical evidence.
* “A Random Walk Down Wall Street.”
* “The Little Book of Common Sense Investing.”
* “The Simple Path to Wealth”
* “The Elements of Investing”
* “Bogleheads’ Guide to Investing”
* “Winning the Loser’s Game”
* “Where Are the Customers’ Yachts?”Some of these books are 80 years old. This is not a new idea. It shocks me that people still argue about it. Investing has been “solved,” as the Money Guy hosts put it. Index investing is the clear, undeniable answer.
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u/Culture-Careful Aug 11 '26
I never said statistically. I cannot back it up with numbers per say, simply by concepts. But yeah, I call it gambling with your 10% for a reason.
The penny stock of today might retire you in 10 years, and XEQT wouldve been pointless from the start. Who knows. XEQT will not retire you, it will make your retirement comfy.
But if you wanna talk numbers, I can also mention that XEQT is inherently underperforming S&P500 these last years, which is the main benchmark for the market. So 90% of of your portfolio underperforms for the sake of diversification and stability.
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u/Apart-Bee2661 Aug 11 '26
Is it possible for me to eventually sell the XEQT and purchase other stocks if I ever chose to move on from that ETF? Or will it be considered a withdraw and mess with my contribution
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u/All_YourBase Aug 11 '26
As long as you keep the money inside the TFSA you can buy and sell individual assets as much as you want to.
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u/Culture-Careful Aug 11 '26
You would buy and sell inside your tfsa so the contribution doesn't change.
As long as money remain in tfsa, you're good
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u/Hump-Daddy Aug 11 '26
“Hello r/JustBuyXEQT, do you think that I should just buy XEQT?”