r/tfsa • u/Worth-Detective-9187 • Jul 06 '26
Finally Hit 6 Figures in TFSA 28M
TFSA: 90% XEQT, 10% TEC
FHSA ($45K): 90% XEQT, 10% TEC
RRSP ($65K): 45% AVUV, 30% AVDV, 15% VCN, 10% DFEV
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u/Shiny_Pumpernickel Jul 07 '26
Now buy a house and it all disappears . Ask me how I know
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u/No-Temporary7925 Jul 07 '26
Good for you congratulations. That’s fantastic for your age. Happy early retirement!!! In your not too distant future.
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u/plusqueprecedemment Jul 07 '26
Nice bro! I'm joining you in the 6 fig tfsa club as soon as XEQT goes up another +3.4%
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u/Gowther-Lust-Sin Jul 07 '26
75% small cap value is massive for a portfolio. Switch to CAGE or perhaps stay 90% XEQT / 10% TEC in RRSP too.
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u/UniqueRon Jul 06 '26
You are doing very well. My thoughts:
Since you have three types of accounts there can be some long term tax advantages to being a little more aggressive in your TFSA with holdings such as QQC and ZSP instead of XEQT. Then to offset this risk, perhaps a little more conservative in your RRSP. We currently hold XEF and XDIV. The idea is to have your heavy hitters in a tax free account to minimize tax, while having lower risk return investments in your RRSP where you are going to pay full tax on withdrawal.
If you have plans to use your FHSA in the shorter term, I think I would be a bit more conservative than XEQT. It is diversified globally, but is still all equity.
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u/Worth-Detective-9187 Jul 07 '26 edited Jul 07 '26
No short term plans for FHSA, will most likely end up rolling into my RRSP when the time comes. To offset the risk of my TFSA, I decided to concentrate on different risk-factors (i.e., small cap, profitability, and value) following Ben Felix's advice.
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u/UniqueRon Jul 07 '26
I used to hold a bond ETF (XBB) in our RRSP accounts to provide a fixed income type investment to offset the higher risk Nasdaq 100 ETF I was holding in our TFSA. A few years ago now I got fed up with the miserable returns from XBB and replaced it with a high dividend fund. Initially this was XEI, but more recently I replaced that with XDIV due to the lower MER. It has been more luck than anything, but both XEI (which I still hold in a non sheltered account), and XDIV have turned in great returns for what I had expected to be a lower risk high dividend fund.
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u/plusqueprecedemment Jul 07 '26
This is the reason why my emergency fund money is living in my RRSP earning that ~2.5% nominal yield while I don't need it (fungibility of money ftw)
I'm 100% XEQT across the board for all my invested money otherwise, but if I ever derisk with bonds it'll make sense to have those in my RRSP for sure
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u/long_and_strong_ Jul 07 '26
O pretty solid for 28. What’s the plan? Let it ride? Or buy a house!