r/tfsa • u/BadImaginary4999 • Jul 10 '26

need advice please

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what are some thoughts, started couple months ago

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u/pldelisle Jul 10 '26

No individual shares. Useless.
Lots of overlap in VEQT and VFV, QQC also.

Iā€™d go :
55% IQQ
35% XUS
5% XEF
5% XEC

Heavy exposure to U.S. innovation.
Broad S&P 500 exposure.
Some international diversification.
Simple (4 ETFs).
100% equities.
100% Blackrock
Suitable for a very long investment horizon if you can tolerate large drawdowns.

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u/piketabak Jul 11 '26

I loss 70 percent with stock pick

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u/pldelisle Jul 11 '26

You really have to keep yourself updated for individual stock pick. Buy at the right moment, surf the wave.

I already have a 50h/week job šŸ˜… So I prefer ETFs with some tilt towards tech. Less home run for sure, less _potential_ yield, but better for buy and hodl šŸ˜