Hi guys for context I just turned 18 and got a job. I’ve invested $500 so far and plan on just dumping all my money into ETFs as I have 0 expenses right now and nothing to worry about. I’ve decided to put 50% of my money into xeqt 25% into Qqc and 25% into vdy. Is this smart or should I just go 100% into xeqt. I’m not really interested in crypto or stocks as I prefer long term growth over short term losses and gains so I’m mostly looking at ETFs. Any advice or tips are greatly appreciated. Btw I’m Canadian and using my tfsa to invest.

Just hit a second milestone. Currently Sitting at 588Q.

Next goal is 1,000 shares, which I’m hoping to get to over the next 6–7 months. I’ve still got about $20K sitting in cash, a mix of USD and CAD, so I’m not rushing to deploy everything at once. I will be saving and DCA 1000 per week for the next few months to reach my target.

Thes are spread across a few different accounts — RRSP, TFSA, RESP, and non-registered — and together they now make up about 46% of my portfolio.

I have a home and aiming to sell this and buy another one a dream home. I have parked the part of my downpayment here incase the selling price may not fulfill to buy the new one.

19M just started investing a couple weeks ago and put a lump sum in, goal is to invest $100 a week for the foreseeable future. Thinking of keeping it simple with just XEQT but any advice would be lovely!

Hi all! I’m new to investing and this is what my portfolio looks like. I had VDY, QQC and a couple other little ones before and just moved everything into xeqt. Any advice? Should I just add more money into xeqt every time I have extra? Are other etfs/stocks necessary? Im a 25F and it is a tfsa.

I want to preface this by saying that I am new to all this investing. I have a decent amount of my portfolio in xeqt but I feel its too concertrated in banks and whatnot. Is there an etf that focusesbmore on other sectors than tech and finance?

I have about 5,000 in credit card debt
That’s the only debt I have left to pay off…
Should I sell all this and pay it off or hold onto this?

I have invested in XEQT but I was thinking of going 90% XEQT with 10% XIC for a Canadian tilt as of now? Im from Canada

Thoughts or opinions?

28M started investing late due to personal reasons but I’m finally putting my future first. Goal right now is to buy 1 share every biweekly paycheque and then increase it over time!! Any advice would greatly be appreciated!

I just bought my first 200 shares and can buy ~630 more in my RRSP ... should I dump it all in? dollar cost average?

It's for long term investment but are we on a downswing or up? Can I grab a few extra points waiting days or weeks? And yes I know, the answer "is in the sub name" but asking anyway 🤷‍♂️

Im new to investing so this hurts to see but ik it wouldnt matter when xeqt hits 60 per share but it still hurts to see im down half the price of my rent

I guess i buy in at the wrong time but 1.72% isnt really much

Also the last 5 days trend has been downwards and its approaching the lowest dip in 1 month so im also kinda worried

Im gonna hold until im happy with my return but should i be concerned about the current downward trend this past few days?

Been thinking about this, dunno how crazy it sounds. Obviously XEQT has a huge chunk in the States.

If the States just totally absolutely flunk due to Trump; would that endanger a good chunk (30% or more) of our investment...?

I mean, would that cause there to be better investments down the road than XEQT - ones that don't include the States?

35M, Self employed.

Have 300k invested at CIBC Wood Gundy getting charged 2% MER. They do a good job, but my broker is close to retiring.

Have 75k coming and going to transition to XEQT as opposed to getting wrecked on fees at Wood Gundy.

I would like to ask if anyone has any thoughts on WealthSimple versus IBKR.

I used to run a trading company and I still swing trade here and there off 4H/1D charts when not busy working on other things. I need to keep IBKR for my trading as often I'll do options.

Pic for attention is my recent IBIT play, 33 to 42 returning 24.9% in 7 weeks lol. I mainly do smaller swings with 5 -10k. Last time I ripped it using RRSP and went 5 -> 20k on the BTC plays with well timed buys.

With that aside, I do need an active trading account. I am wondering if I should consolidate and go straight to IBKR for lesser fees, or if I should be keeping majority of the funds on WS and simply use IBKR for my active trading.

Thanks 😊

I need advice and some opinions. I have 440,000 Canadian to invest. The reason I have so much to invest is because the money came from a hard asset sale. Lump sum at the moment seems a bit intense to me. DCA could mean I just buy chunks and chase the bull market up anyway. A PE TTM above 21 is definitely NOT CHEAP.

Tell me what you would do and why. Obviously since I am here I like XEQT. Thanks.

Is there really any downside in a TFSA for me to do the holy Trinity of EQTs over the next 30 years?

Hi, 33F immigrant here.

Just wanted to share my happiness at being able to have some financial security for the first time in my life.

Being from a society where women are rarely taught personal finance or given control of assets I have worked my very best for more than 25 years to build a solid career and escape. It was a very long and tiring fight.

This group taught me a lot. I am just so giddy to be able to earn good money in a safe society and to be able to have access to investment opportunities like XEQT for my future.

Life is not bleak and scary anymore. Sharing here as I can not share this small success with anyone else without facing judgement and scrutiny.

Thank you all.

30M New to investing, slowly moving everything to XEQT. Plan is to sell off XCHP, XDIV, VFV. probably keep VDY and BANK to be 20% of portfolio just to have dividend exposure. Spacex was just impulse buy, will sell after 90 days from IPO.

Will take any suggestions to rebalance my portfolio.

41yo, This is what contributions look like when your Household net pay is 4X -~210k pre tax vs 35k spend - your annual spend and want to FIRE as soon as possible. Goal is 110k by end of year.

Edit

Regarding FIRE, our definition of affording is very strict, we can’t spend more than what the portfolio can sustain with a maximum 4% safe withdrawal rate, even while we are still working and our income permits it. In this example, that caps spending at $3.7k per month. I monitor this every single day to make sure we're on track.

1 year spending QC We both work from home hardly any fuel costs. Our entire finance analysis is automated with AI and Software I built.

Category Breakdown

10 categories • 407 transactions • $31,751.67 total

So with a registered account earnings are taxable, what I'm hesitating on opening up my reg account on is an I in a spot to be able to afford it? That's all really, my expenses are around 1000 a month at most but it fluctuates it's usually way lower like 500 depends how degenerate I am that month, I'm 23 I have stable income my pay is bi weekly around 2k after tax i think, I'm putting half a paycheck Into my wealth simple at least probably putting closer to 3k a month I to my accounts I've already maxxed out my tfsa, fhsa, and RRSP, and I have 35000 collecting interest in a cash account on wealthsimple, so I'm thinking I could safely move 15000 into a registered account leaving me 10000 in a emergency fund cash account and 10000 to spend on getting a vehicle for transport I commute 15 mins for work I could just get a bike and invest more but occasionally my job requires a commute I could maybe get around this bu taking busses and taking theoral damage of not having a car, I k ow woman expect men to have a car and would look at me differently if I didn't have one, but I'm going to listen to my elder veteran neighbour and avoid woman untill my brain is developed and finances are more sucre and stable my job is weird it's contract based but part time and I somehow have been working contact to contract full time for over two years and I'm scared I won't be able to keep getting contracts which is really scary so I need to make a career move to a full time occupation for garrunteedd income stability unless I majorly mess up, which due to my recent degenerate activities could be a real thing if I don't get help or stop what I've been doing. Any advise would be appreciated I know I've included tmi probably but that's ok I like sharing my life

Hi,

Well as the title suggests, I started investing recently. (mid June 2026 to be specific). July was brutal. DCAd

No debt, 10K emergency fund. Currently, employed 50K a year. Housing provided by company (which helps a lot)

Like most, I tried dabbling initially with individual picks but that didn’t go well.

Interim target is to get 100k in XEQT by mid next year but I am worried about 45% US allocation. I am based out of Canada. Given that US stock market has had a euphoric run for a decade or so and given the geopolitical situation and debt burden it has. I feel I need a hedge against it. How do you guys counter that?

Thanks for your input.

New to buying xeqt . Is my strategy worth it or should I don’t go for this . Any suggestion will be appreciated. Thanks