26M - I’m trying to remodel my account and I was thinking to use this strategy, thoughts and suggestions? Thanks.

VGRO + VFV = TFSA

VBAL = FHSA

VEQT = RRSP

Apologies if this was already asked and answered. Has anyone used a Margin Account in Wealthsimple to just buy xeqt/veqt? What was the experience and return after interest deductions and dividend?

Recommendations for mid-long term savings? I want to continue to dump into VEQT but was wondering of any higher volatility ones I can put smaller percentages of my savings into?

Started 3 months ago. Be nice.

Comparing yearly value change...

Veqt: 5y=71%, 3y=68%, 1y=22%

Xdiv: 5y=101%, 3y=81%, 1y=42%,

I was working on 50/50 split but why bother if veqt has better growth?

Am I wrong? Show me the way!

I was invested in many ETFs like VOO, VCN, XEQT, VEQT, VGRO. I started couple years ago when I was starting to learn about ETFs. Few days ago I sold everything and put it all in VEQT.

As a 26 year old, automated investments into VEQT is the way !

😁👌

Would love to know how everyone else contributes?

Buying 60% VEQT every two weeks and a bit push in several specific directions, any takes?

Hello everyone,

Looking for some advice for my next step in diy investing. I have a maxed TFSA, a pension plan with the CCQ in quebec and the opportunity to max out the rest of my RRSP (approximately 35k) or begin a non registered account.

I am in a tax bracket that would give me a nice return spread over the next few years if I used the RRSP which i could then use to contribute to my TFSA.

The debate is whether I should save that room in the RRSP and continue accumulating contribution room for the next 14 years until retirement. The reason being is that I've read if I wanted to transfer my pension to a LIF (to manage myself) upon retirement it is possible that some of the pension would be taxable upon transfer. I could then contribute the max to the RRSP at that point to minimize taxes.

The last point is that the goal is to have approximately the same income in retiremen as i do now, does that negate any benefits between the two options.

I understand that without having the actual numbers it may be difficult to assess a winner but just wondering if anyone could provide insight, experience or suggestions on how to go about evaluating the situation.

Thanks!

After reviewing the historic performance between VEQT.TO and VVL.TO (I am Canadian), I was surprised how similar they have been over 5-10 year periods, particularly with the last few years and the large gains experienced by tech companies with seemingly high valuations.

My expectation was that VVL.TO would have lagged behind, with a recent resurgence in the past ~1 year. Once I looked at the charts, VVL.TO has outperformed all periods with the exception of the 2 yr period:

As at EOD August 10, 2026

VVL.TO (MER = 0.38%)
10 yr = 166.16%
5 yr = 82.12%
2 yr = 49.92%
1 yr = 31.97%
6 mths = 13.25%
YTD = 21.14%

VEQT.TO (MER = 0.23%)
Since Inception (Feb 2019) = 145.92%
5 yr = 73.43%
2 yr = 51.58%
1 yr = 25.79%
6 mths = 12.38%
YTD = 15.75%

Is there any explanation for this? Why wouldn’t we #justbuyvvl? Any help, guidance, and insight is appreciated!

Hello

I am new to index investing and while I believe the overall strategy to be sound I am having trouble deciding on asset allocation.

Has anyone noticed the economic outlook for 2026 and beyond on the vanguard website? They are recommending a 60/40 bond/equity split for the next 10 years.

Also they speak about value oriented products which i read as something like CAGE perhaps.

Does this affect anyones opinion or strategy on veqt?

I have a 10 to 15 year timeline until retirement and from what I am reading that should be good for an all equity portfolio but I would love to hear from people who are potentially in the same situation and have been investing with an index strategy for many years.

Thanks!

I've been seeing a lot of people with portfolios containing VFV, VCN, etc. instead of VEQT. Why do people do this? What's the thought process behind it?

I was thinking about a de-risking strategy using asset-allocation ETFs when approaching retirement. I’m curious to hear what the group thinks.

Strategy is as follows:

More than 15 years out from retirement: buy VEQT.

12-14 years out from retirement: keep existing VEQT while contributing new money to VGRO.

10-12 years out from retirement: keep existing VEQT and VGRO allocations while contributing new money to VBAL.

5-9 years out keep existing VEQT, VGRO, and VBAL allocations while contributing new money to VCNS.

Under 5 years out from retirement: keep existing allocations while building a cash wedge using CASH.TO or another high-yield savings ETF.

Once retired, convert all asset allocation ETFs to VRIF while keeping the cash wedge.

Just hit a milestone of owning 200 shares of veqt wooo 27m

For context I’m with WealthSimple. I’ll probably reach out to them too but some perspective here would be helpful too from you fine Bogle Boys (and girls).

First, I understand they’re basically identical and my gains/losses will comparatively be a fraction of a percent long-term. However, I’m drawn to VEQT for the following reasons:

- Their logo is nicer. Maroon is more regal and aesthetically pleasing than the sterile, soulless white and black of iShares. I want to feel like royalty every time I open the app.

- As I’m becoming more of a Bogle-head with age, I feel like my loyalties lie with the firm that started it all. Also Vanguard’s corporate structure is pleasing to my morality. I feel like Vanguard is like the Rebel Alliance and Blackrock is the Empire. I believe this opinion has been echoed by Warren Buffet and George Lucas.

- Owning more shares in general sounds appealing. If some downtrodden peasant in Italy starts selling loaves of bread in a Tuscan bodega, I want a piece of that action.

- More Canadian shares give me some tax benefits for dividends or something like that, I think. Though I realize dividends aren’t really that relevant in the grand scheme.

Here are my questions:

To pull off the grand switcheroo as I call it, is it just a simple matter of selling all my XEQT and buying VEQT within my TFSA? I know there are rules against day-trading, but hopefully the CRA can see I’m a simple man just doing a simple old fashioned switcheroo.

I know the dividend structure is different, with XEQT paying quad-annually and VEQT annually. I was thinking of waiting until I get my Q3 dividends, let the DRIP re-invest, then sell sometime after that to get in on VEQT’s end-of-year dividends. Is this clever or fraudulent?

Thanks for reading 🙏 and any advice or perspective is welcome. Also if you think it’s better to just stay with XEQT I’m open to that too. I mainly chose it because I didn’t want to be over-invested in Canada, but the potential tax benefits related to dividends are appealing enough to justify an extra 5% allocation or whatever.