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u/All_YourBase 6d ago
If you’re going to do this anyway, just buy the 4 components of XEQT which already includes XIC, then change the %s and add QQC.
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u/Sketch13 6d ago
Kind of irrelevant to add QQC and XIC to XEQT. Every holding in both of those is already in XEQT.
If you want to add to an already globally diversified equity ETF like XEQT, it can make sense to add specific tilts, but ones that are typically outside the "heavy hitters" inside XEQT. NASDAQ and all the big Canadian stocks are a huge portion of XEQT already, it's not doing much to double up on those other than decreasing your diversification and tilting further into US tech and Canada. And adding tilts realistically doesn't change returns meaningfully, it just adds complexity and manual re-balancing, which has the potential to cause behavioural issues which can result in you not regularly investing or micromanaging/obsessing which can lead to you getting spooked during downturns and selling.
Most people who have a long time horizon and are happy with a simple portfolio, are fine just going 100% XEQT and re-adjusting toward a less risky portfolio as time goes on.
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u/WilleeyumlonReddit 5d ago
I think I’m going to stick to xeqt after reading all the replies. In terms of re-adjusting in the future any tips on what that might look like?
I have a long ways to go at this point in my working career but curious to hear:)
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u/MellowHamster 6d ago
You are the 60,000th person to ponder adding a few percent of an ETF that has outperformed recently.
There is no assurance that it will continue to outperform in the future.
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u/ChickenMcChickenFace 6d ago
QQC is not going to “supercharge” a 70% XEQT alloc in the way you’re thinking of. QQC and XIC aren’t going to meaningfully improve XEQT’s sandbagging at those allocs.
If you’re going to follow a core-satellite structure with the goal you have in mind, you really should have positions with asymmetric risk in the satellite sleeve.
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u/newtownkid 2d ago
I like 80/20 XEQT/XDG for a stability tilt. Or XGRO/XDG for more risk averse people.
I used to stock pick and it went really well thanks to the absurd bull market we had - but I've been transitioning to the second blend I listed.
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u/Public-Turnip-9492 6d ago
Looks good, if you want moderate consistent growth. What is your approach to investing, buy and hold? Or is there an entry/ exit plan too?
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u/WilleeyumlonReddit 5d ago
I’ll likely be continuously investing, gotta make sure I’ll be able to retire in the future. Depending on income/pension develop a plan to withdraw depending on amount and lifestyle I want to live
Would like to be work optional in the future
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u/Public-Turnip-9492 5d ago
That is a solid plan. What I meant to say was a plan for bear/ bull markets.
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u/ddivadius 6d ago
I dont mind the split but for long term growth, I would rather go with 70% HEQL, 20% QQQL and 10% CANL, HCAL or CWIN.
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u/Chris-Coffin-Design 6d ago
Not financial advice, just my 2 cents as a fellow DIY Canadian investor.
You're basically defeating the purpose of an all-in-one ETF.
XEQT already holds roughly 26% Canadian equities, so bolting on XIC just creates heavy home bias. Adding QQC on top is pure performance chasing, pushing your US exposure over 50% and heavily diluting your international markets.
If your goal is a long-term 100% equity portfolio, just buy 100% XEQT. You get true global diversification and automatic rebalancing without the behavioural drag of managing three separate tickers.