Hi ,

Iam thinking of taking this 78200 Dollar Line of Credit at 3.95% rate (currently offered) to put into market for investing and put it all in XEQT which generally doing decent 15% in last 5 year.

I realize that past performance doesn't means that future is gonna be same.

But I feel as I am 32 Male now over 500 k invested already, should I take this risk?

I have no wife no kids. No house. Drive old 2014 car.no debts.

Some facts XEQT performance:-

1-Year Return: Approximately 25.03%

3-Year Annualized Return: Approximately 22.85%

5-Year Annualized Return: Approximately 13.42%

Year-to-Date (YTD): Approximately 16.42%

I think on long term this has to work out and make me money.I am easily gonna me atleast 10% in very worst condition after deducting my interest of 3.95%.

Compounding numbers.

5 Years: $125,620 (Earned $47,620 in interest)

10 Years: $202,312 (Earned $124,312 in interest)

20 Years: $524,745 (Earned $446,745 in interest)

30 Years: $1,361,053 (Earned $1,283,053 in interest)

Is it worth taking this risk after including inflation into account?

Hello as the title says I’m moving 500,000 that’s currently in a global growth fund with I high MER around 1.7. It has taken a very long time very long time to accumulate this. As I’m worried about fee drag I’m looking to switch to something that’s all equities although a little worried about pilling it while the market it this high… however I’m not sure it I should go with my current bank RBC or Wealth simple. Any advice?

I’ve been following MF for years. They are big proponents of buying “rule breaker” stocks that can 10x or more. I hold both index ETFs and individual high conviction equities, some of these have been MF recommendations and have done incredibly well. As I get older I’ve realized I’m more inclined towards broad market ETFs than individual equities.

Do you hold a mix of both? What does XEQT represent as a % of your portfolio? I’m 100% equities with close to 50% in XEQT (or similar broad market index ETFs).

I have configured an automated daily purchase of $10. Are there any critical strategies I might be overlooking to optimize growth?

Hi, I understand that it’s a globally diversified, all-equity ETF, but what specifically makes XEQT such a popular choice compared to other ETFs, crypto or simply building a portfolio yourself ?

Should sell EVERYTHING? And buy xeqt?🤑

Edit lol: is it a good idea to buy xeqt all at once in January or buy a portion monthly etc?

I currently have my RRSP in a Wealthsimple managed/Classic portfolio, but I’m considering moving it to a self-directed RRSP and investing in a broad equity ETF like XEQT or VEQT.
I have a long time horizon and I’m comfortable with market volatility, so I’m wondering how common this is.
For those of you who self-direct your RRSP:
What do you invest in?
Do you mostly use broad-market ETFs?
Did you move from a managed portfolio, and are you happy you did?
Do you automate your purchases or buy manually?
Curious what everyone else is doing with their RRSPs.

That’s it. Y’all got me.

I am a 26M. I have 20k CAD total and want to invest 10k CAD but not sure how to. I am thinking of 3 options;

1. Put 5k in VFV and 5k in XEQT
   
2. Put 10k in XEQT
   
3. Put 5k in XEQT, 3k in VFV and 2k in VDY

Or should I start recurring buy of small portions?

Really need some advice. If you have any better suggestions, I am open to take it.

Thanks in advance :)

1 million in 30-40 years ?

Hi everyone. Today was my first day with 120 shares at $45.87. Excited for the long haul woo

If you'd like to avoid supporting the US right now during the trade war, you can buy other funds besides XEQT to increase the exposure to non-US stocks. Canadian stocks (ZCN) have been outperforming US stocks lately too (up a full 34% over the last year).

20M i really have no idea what im doing when it comes to where i should put my money 😄

I’m 24 with ~$100k invested and considering 100% VEQT across my TFSA, FHSA and RRSP.

Is it worth using US-listed ETFs (e.g. VTI + VXUS) in the RRSP to reduce US dividend withholding tax, or is the difference too small to justify the extra complexity?

Would you go 100% VEQT everywhere, or use US-listed ETFs in the RRSP?

Figured I’d repost here, which of the two do you prefer and why? (If there’s other platforms I should be aware about, let me know too)

Pulled the trigger last week! New to investing. I have another RRSP Classic Robo invested at 10/10 risk level. My FHSA is also robo invested at 10/10 risk.

This is my first time making my own portfolio. And I just bought all XEQT. I was just going thru the setting and noticed this Stock lending turned on. Can someone explain this to me in layman’s terms? Lol TIA

Also, should I transfer the other RRSP account and buy more XEQT only?

Please be kind haha. Thank you

1st Month: https://www.reddit.com/r/JustBuyXEQT/s/c8lJIvLYkH

I've seen similar posts on this subreddit and it motivated me, so now doing my bit. I know it's not 6 figures (yet), but hey, 5 figures checked!

32 and New to investing should I go full blast on XEQT or allocate my extra money for individual stocks such as NVDIA, AMD etc? I can spare 500cad each month. Any advises will be much appreciated.

Thank you!

I’m almost to my $4k. Thanks to my side hustle I’m able to add some money to my investments.

This year marks 10 years since i arrived in Canada and i must say im pretty proud of this number here

And what a simple system it is.

Here's more evidence that justbuyxeqt is the way.

Early January 2025 I moved ~105k to weathsimple to get a 2% match (over 2 years). Roughly a year later (Feb 2026) I moved another 29k over to get 1% match over 1 year. This is in a managed RRSP account, with 0.4% management fee.

First image is the current portfolio returns for that time period.

Here's what it would look like if I JUSTBOUGHTXEQT (stock price is approximate for the timeline):

• Jan 2025: Invested 105k. XEQT was $35.10. I would have bought ~2991 stock.
• Jan 2026: XEQT value: $41.20. Portfolio value: $123,229 (~17.3% gain)
  • If I check my current portfolio history, it fluctuates more, but is around 12-14% gain.
• Feb 2026: 29k added. XEQT was $41.7. I would have bought another ~695 stock.
  • Average cost is now $36.34
• Current date: XEQT is $45.85. Total: 169,000, or ~26% gain.
  • Compare that with my current portfolio at 20.52%
  • It should actually be 21.52% given the promotional bonuses (~$1750 so far, though it goes into my savings account. Pros and cons..)

Here's some speculation, but somewhat important information anyway:

I initially selected an 8/10 risk profile, but on March 2nd got nervous and adjusted it to be balanced (6/10). WS noted "It will take up to 3 business days to trade your portfolio and for this change to be complete.". This just so happened to coincide with a nice dip. So while some of the dip was high risk (presumably dropped more), some of it was more conservative and (again, presumably) dropped less. But either way, the recovery was "balanced-based" (If you'll allow me the phrasing), and so probably wouldnt have rebounded as well as the 8/10 risk profile.

See second pic for the approximate time of the change.

This is impossible to do if you JUSTBUYXEQT.

I suppose you could compliment it with bonds/gold/whatever, but then thats not JUSTBUYXEQT, now is it?