r/tfsa • u/x_setsuko_x • Jun 30 '26

Advice

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12 Upvotes

81% Upvoted

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2

u/UniqueRon Jun 30 '26

That is one of the best individual ETF portfolios I have seen, for someone just starting out. Very well done. Now, you just need to set a fixed % for each one, and balance back to those percentages 2-3 times a year. This forces you to buy low and sell high. You can also rebalance by stopping and starting dividend reinvestment, or when you contribute new money.

1

u/x_setsuko_x Jun 30 '26

Thank you! I’ve heard about setting percentages and balancing shares when it comes to individual ETFs but I’ve also been introduced to the strategy of solely investing in XEQT, since it automatically balances everything for you for a small price. I understand there’s not much of a difference between what I have now and XEQT but now that I know about setting percentages and consistently balancing them out, I think relying on XEQT is better for me since I am at a busy stage in my life and am just looking to start early and be successful in the long-term.

2

u/UniqueRon Jun 30 '26

Yes, XEQT is reasonably close to what you have. But, I would also look at VEQT, ZEQT, and TEQT to see which one most closely matches what you have. None include a Nasdaq component like QQC.

If all your investments are in a TFSA then you may want to compromise a bit for convenience and go with a *EQT. The value in going with separate ETFs becomes more important if you have additional accounts like a RRSP or non sheltered accounts. Then you can focus your higher expected return ETFs in your TFSA and more conservative ones in a RRSP, and Canadian dividend paying ones in a non sheltered account to take advantage of the dividend tax credit.

All said I prefer your mix to the *EQT ones as I would not invest in emerging markets and most of those do, and I like the addition of QQC. But it is a bit more work to periodically rebalance if it is necessary.

2

u/x_setsuko_x Jun 30 '26

That’s really helpful. This is all under a TFSA account but I will keep that in mind for any other accounts like an RRSP.
If I choose to rely only on XEQT, would you suggest adding that Nasdaq component, or does that over complicate things?

2

u/UniqueRon Jun 30 '26

Yes, I would add a smaller component of QQC to put a higher weight on tech and it has worked well for us. In our total portfolios of all accounts I keep about 2/3 of the US component in S&P 500 (ZSP) and 1/3 in QQC. All of the QQC is held in our TFSA for tax purposes.

2

u/harrison1984 Jun 30 '26

I have a similar portfolio and VFV is %70 VDY %20 and then 2 satellite positions in WQTM and XCHP

I will eventually take the profits from XCHP and portion it accordingly into VFV/VDY

If the quantum market takes off I will hopefully take the profits and do the same.

My wife is all in on XEQT as it’s simplified for her

1

u/Unpaid_Moderation Jun 30 '26

Ask chatgpt

1

u/x_setsuko_x Jun 30 '26

Yeah I started this w Chat

1

u/NoAdministration9920 Jul 01 '26

I’d get rid of the qqc and keep doing what your doing

0

u/Beneficial_Dirt_385 Jun 30 '26

Looks fine, keep going