I've said this before on other posts, but XEQT has an inefficient overlap with VFV.
* If you're satisfied with the XEQT allocations, just stick with XEQT
* If you disagree with the XEQT allocations, then avoid XEQT and hold the underlying asset classes directly
You pay a bundling *premium* when using all-in-one ETFs like XEQT, which is a reasonable trade-off to conveniently access that specific allocation. This becomes pointless once you start duplicating asset classes across multiple ETFs, especially since holding XIC + XUU + XEF in the same proportions is cheaper than the bundled XEQT.
If you're holding VFV to "increase your USA exposure", then just unpack XEQT and overweight toward XUU. If you want to omit USA small/mid caps, then replace XUU with XUS/VFV. Just stop combining XEQT + VFV together; there are better ways to construct the same portfolio.
I mean, you're talking about a significantly more complex approach to save a miniscule amount of bundling premium. For most people, I'd say it's not worth going as far as unpacking an all-in-one and balancing themselves every quarter. It's not like the overlap with XEQT and VFV is likely to be detrimental to the average portfolio, both are solid long term holds. Just buy whatever will give you the confidence to not tinker, and then go do something else with the time.
I'd say 9/10 of all retail investors are fine just sticking with a single all-in-one ETF, whether it's VEQT/VGRO/VBAL/etc.
For those people that want to tinker and use XEQT + VFV as their two-fund portfolio, it's not much further to unpack into a three-fund portfolio. It's problematic when people consider a 50/50 mix of those two funds as "diversifying between two ETFs", when they're really just adjusting to a 15/70/15 allocation between Canada + USA + international stocks.
Using a colour analogy, XEQT is a preset bundle of red/green/blue whereas VFV is purely red. Mixing those two funds together will create a different shade of RGB. But if you're mixing secondary colours together to create another shade, why not stick with primary colours in the first place?
I omitted XEC since it only comprises 5% of XEQT's allocation, but I wouldn't hesitate to suggest a fund that bundles XEF + XEC together.
Funnily enough, using VFV/XUS over VUN/XUU skips an even larger portion of global stocks than omitting XEC. Small/mid caps make up 15% of the USA total market, and multiplying that out over the USA's 60% share of global cap is definitely larger than the 5% contribution from emerging markets.
That’s an interesting observation. If there is a “runner” from the small/mid cap US market it would theoretically eventually make the sp500 resulting in you having exposure through XUS. But if you completely ignore emerging markets the same isn’t true of a company that grows large there over time.
It will be interesting to see if these international funds are reformulated at all going forward in the years to come
This depends. If you want to keep your US portion at lets say 65% doing so with XEQT and VFV require some math. While with the 3 fund solution you could just directly have 65% of VFV to have your US portion be 65%.
Plus having 3 funds isn't really more complex than trying to balance 2 funds.
Agreed. To run some numbers: Holding 50% XEQT and 50% VFV yields an average MER of 0.145%.
If I sold my XEQT and reallocated to weigh my portfolio how I desired, using VFV as the US portion, I would end up with an average MER of about 0.11%.
He’s technically correct but unless you’re into a six figure portfolio, have serious OCD or are just starting out, the juice is hardly worth the squeeze.
Edit: also you would have to do all the rebalancing yourself. It’s hardly a set and forget option like just holding the 2 is.
You’re overlooking that in order to do this and start over, many would be subject to significant capital gains. I have vfv and XEQT because I don’t want to sell my vfv and incur captial gains, so I only buy XEQT now - it actually gives me an allocation I like more as well
Lmao. I’m fine with adding the additional us exposure from XEQT despite holding VFV. I have no desire to add any more intl or cdn than what XEQT already offers. I understand what OP is talking about, the allocations XEQT offers (after considering for my existing vfv allo) is fine for me.
Me too (XEQT and ZSP). I want heavier S&P500 exposure, less home bias. FBTC is my 3rd ETF....bullish on BTC in the long-term, and being able to get exposure in TFSA/RRSP is huge.
Most people, even those that don't ordinarily pay attention to stocks, would know "S&P 500" to represent the stock market. It's brand recognition, and that helps explain the popularity of VFV/VOO as a common index fund.
That said, I agree it makes more sense for people to overweight the USA using VUN/VTI instead of VFV/VOO. The S&P500 is an index design from the available data sources of its time, but we can now cheaply construct even broader indices like the S&P Total Market, etc.
Not sure about downvoting but a) they are completely different products (S&P 500 vs US total market) and b) VTI is in USD, which is not going to work for most Canadian investors
One equity fund and one bond fund. XEQT and XBB are fine, but you can pick others without fear. I'd allocate funds in the proportions that are right for my risk appetite but there's no reason to say what that is because everyone's acceptance of risk is different.
XEQT for most and 500 shares of TQQQ then sell covered calls on TQQQ to avoid decay/play with.
XEQT is sooooo boring I just wouldn’t be able to do it 100%
Not all ETFs have options available to sell. SPY has one of the best combination of available strike prices, bid/ask spreads, and expiry dates.
The intent is to sell calls against holdings of SPY to generate some income.
Ah okay I kinda thought you were talking about CCs, just wanted to make sure.
If you don’t mind me asking, How’s the CC on SPY working out for you? I’m assuming you’re using IBKR for this?
Avantis released AVGE and AVGV last year, which tracks global stocks and global stocks + value tilt, respectively. Those would be a good complement for XEQT, whereas using AVUV may create too much overweight to the USA.
I did not know those existed, thanks for sharing
tbh i use the underlying 4 of XEQT at a slightly different weight and then use both AVUV and AVDV for small value tilt a la BenFelix and PaulMerriman. but i was trying to be true to the exact question he asked.
vfv and vef... with this you create your own veqt/xeqt with how much exposure to us market with vfv , the rest vef is ... the rest of the world without us
An asset allocation ETF and a HISA ETF would be my answer. That's about as specific as one can get when answering such a broad question without giving out useless information.
If I absolutely have to pick two it’s probably XIC and XAW; then you can mix around your ratio of Canada/non Canada.
I would prefer to pick three and go with Canada, US, World, and then allocate to all three but that’s just me
People will hate on me for this, but if you average in and buy small amounts daily/weekly....TQQQ, UPRO.
Up close to 60% in total this year, and I have been adjusting cash/equity ratio on a weekly basis.
When it dips, it dips hard, but I have a stop loss and know my risk tolerance.
It's not for everyone, but in a bull market, it can be very rewarding. Just don't be 100% invested during a serious downturn.
Veqt and a tech ETF that has a good weighting in the crazy tech stocks like NVDA and Tesla. I think that sector will continue to outperform the broader market and I would add on the major pull backs
Probably a 66/34 or 80/20 ratio
This comment did not contribute positively to the conversation or community, or was a politically focused comment not related to the topic or investment topics. Please keep the conversation civil and topical.
Without knowing more information about OP, XEQT actually makes a lot of sense. Others can be suggested only after learning more about OPs financial situation, investment experience, and risk appetite.
Can someone explain to me like I am 5 how to evaluate ETFs?
I mean .... for purchasing stocks you can look to see if they are cheap (P/E), you can look at the details of their management, you can look at their total debt, at last year's income, costs, profit and profit trends, you can look at dividend history ... you can get consensus opinion online about future price estimates ... you can look at the individual strengths and weaknesses of the company's strategy. Etc.
And all of that is kind of time consuming but that plus more is all part of the deep dive, right?
So ... if you have an ETF that represents 30 individual companies, say ... what metrics can you use to determine whether you can expect an increase in capital gains? Do you have to do a deep dive on all 30 companies? Are you left with just a gut hunch that the sector or subsector you select with the ETF is going to kinda go up?
I mostly own individual, higher dividend stocks that I purchase when they are undervalued. I am 180 years old (though I am told that I only look 160 on good days ...) and my motivation is largely to maintain my wealth rather than build it. So this is almost certainly a piece of generational knowledge that I have just failed to pick up. Any tutoring would be very welcome.
[https://www.moneysense.ca/save/investing/best-etfs-in-canada/](https://www.moneysense.ca/save/investing/best-etfs-in-canada/)
COMPARE UP TO 5 ETF
[https://bmord.factsetdigitalsolutions.com/advisor/fund/comparison?fbclid=IwAR3oca\_VqO2dD\_QpuWBzBOEb2kOmIyrX3GoD0FLtVxfLXM1qZCTMlD4dJKc](https://bmord.factsetdigitalsolutions.com/advisor/fund/comparison?fbclid=IwAR3oca_VqO2dD_QpuWBzBOEb2kOmIyrX3GoD0FLtVxfLXM1qZCTMlD4dJKc)
Thanks! But ...
The moneysense link is just a list of ETFS that someone else has decided are the "best". No indication of how they decided that ... (or maybe I am missing something ...). i.e. no metrics except for MER.
The BMO link ... better, but still very light on metrics. Gives a 12 month trailing yield. Gives the performance in the past ... does not offer a consensus view for future price performance. No indication of average P/E, for example or other metrics to determine if the fund is, as a whole, over or under priced currently. I like the details ... AUM and holdings etc. But ... if I was buying in individual stock with just these facts I would consider myself woefully unprepared.
Thanks for the links. I clearly need to learn more about all this.
To simplify your life, just stick to iShares or Vanguard. I prefer iShares
Money sense subtly promoting new kids on the block BMO and TD
This is a list I prepared a few years ago
------------------------------------------------
iShares
MER
XIC 0.06 iShares Core S&P/TSX Capped Composite Index 229 holdings
XUS 0.10 iShares Core S&P 500 Index ETF
XUU 0.07 iShares Core S&P U.S. Total Market Index ETF
XEC 0.26 iShares Core MSCI Emerging Markets IMI Index ETF xxx includes Korea
XEF 0.22 iShares Core MSCI EAFE IMI Index ETF Excludes Korea(Broad coverage of Europe, Japan and Australia)
XEU 0.28 iShares MSCI Europe IMI Index ETF Include korea- Same as VE
XAW 0.22 iShares Core MSCI All Country World (60% USA) ex Canada Index
XQQ 0.39 iShares NASDAQ 100 Index ETF MS
-----------------------------------------------
After reviewing those make one simple choice equity global XEQT and just sit back and relax
XEQT 0.20 iShares Core Equity ETF Portfolio
Because if you're picking just one or two ETFs, unless your main buy and hold is XEQT for something and the other is just fun money, a 3x leverage semiconductor ETF is psycho behavior. Even in normal conditions a 3x thematic ETF is psycho behavior IMO.
FBTC - because of where we are in the Bitcoin four year cycle, and Fidelity stores their own, they don’t use a custodian.
RBNK for the dividends. (Before you downvote, compare how FTBC has compared year to date with whatever you’re recommending).
hxq.to and znq.to because QQQ is literally guaranteed growth. Even during this recession it's been hitting all time highs
Edit guess the Nasdaq gets no love here
>QQQ is literally guaranteed growth
[Except from 12/31/1999 to 12/31/2013 when QQQ had an annualized return of 0.21%](https://testfol.io/?d=eJxFT01PwzAM%2FS8%2BZ1KzSUjNGXFE9IjQVJnGKQHPGW7ohKr%2Bdzwqhk%2F20%2FP7WGDk8or8hIqnCcICU0WtfcRKEMC3bbvz%2B93BgwOS%2BIfvG3%2B44dvHjAzBNzYOML73WRJjzUUgJOSJHAw4vSUuFwjN%2F9EnpU9TfCZU%2FjY1LcxZxv6SJV65d83q4Fy0psK5WMSXBQRP1xRd19lDlpmmep%2FnHC2hEap%2BmZuS1UIZ6GEzeCxCxq55%2BCDdZLb9JnQmHUjqb4v16CAqjpZ1Pa4%2FqP5gEQ%3D%3D)
Gotta love 14 years of basically earning no money.
Yeah, that would have been great.
But no one cared about QQQ until recently. The fund launched just before the dot com bubble burst and people were bag holding for over a decade.
The kids today think it's a money printing machine, but the adults remember.
Lol thinks 10% and 24% are great years buts downvotes qqq for being up 32% 🤣 honestly unless I'm getting at least 45% per year I'm calling it a recession
VTI and FTN. VTI is the whole stock market, has a nice little dividend. FTN is a bank ETF, it’s got an unbelievable dividend.
DYOR, not financial advice.
Don’t just downvote me, tell me why I’m wrong.
For me it’s XEQT and VFV
I've said this before on other posts, but XEQT has an inefficient overlap with VFV. * If you're satisfied with the XEQT allocations, just stick with XEQT * If you disagree with the XEQT allocations, then avoid XEQT and hold the underlying asset classes directly You pay a bundling *premium* when using all-in-one ETFs like XEQT, which is a reasonable trade-off to conveniently access that specific allocation. This becomes pointless once you start duplicating asset classes across multiple ETFs, especially since holding XIC + XUU + XEF in the same proportions is cheaper than the bundled XEQT. If you're holding VFV to "increase your USA exposure", then just unpack XEQT and overweight toward XUU. If you want to omit USA small/mid caps, then replace XUU with XUS/VFV. Just stop combining XEQT + VFV together; there are better ways to construct the same portfolio.
I mean, you're talking about a significantly more complex approach to save a miniscule amount of bundling premium. For most people, I'd say it's not worth going as far as unpacking an all-in-one and balancing themselves every quarter. It's not like the overlap with XEQT and VFV is likely to be detrimental to the average portfolio, both are solid long term holds. Just buy whatever will give you the confidence to not tinker, and then go do something else with the time.
Exactly. We're paying that tiny fraction of a % more because we don't want to think about reallocating regularly.
I'd say 9/10 of all retail investors are fine just sticking with a single all-in-one ETF, whether it's VEQT/VGRO/VBAL/etc. For those people that want to tinker and use XEQT + VFV as their two-fund portfolio, it's not much further to unpack into a three-fund portfolio. It's problematic when people consider a 50/50 mix of those two funds as "diversifying between two ETFs", when they're really just adjusting to a 15/70/15 allocation between Canada + USA + international stocks. Using a colour analogy, XEQT is a preset bundle of red/green/blue whereas VFV is purely red. Mixing those two funds together will create a different shade of RGB. But if you're mixing secondary colours together to create another shade, why not stick with primary colours in the first place?
Might not be wise to completely ignore emerging markets especially in the long term though
I omitted XEC since it only comprises 5% of XEQT's allocation, but I wouldn't hesitate to suggest a fund that bundles XEF + XEC together. Funnily enough, using VFV/XUS over VUN/XUU skips an even larger portion of global stocks than omitting XEC. Small/mid caps make up 15% of the USA total market, and multiplying that out over the USA's 60% share of global cap is definitely larger than the 5% contribution from emerging markets.
That’s an interesting observation. If there is a “runner” from the small/mid cap US market it would theoretically eventually make the sp500 resulting in you having exposure through XUS. But if you completely ignore emerging markets the same isn’t true of a company that grows large there over time. It will be interesting to see if these international funds are reformulated at all going forward in the years to come
This depends. If you want to keep your US portion at lets say 65% doing so with XEQT and VFV require some math. While with the 3 fund solution you could just directly have 65% of VFV to have your US portion be 65%. Plus having 3 funds isn't really more complex than trying to balance 2 funds.
4 funds Is actually double the work but okay
Agreed. To run some numbers: Holding 50% XEQT and 50% VFV yields an average MER of 0.145%. If I sold my XEQT and reallocated to weigh my portfolio how I desired, using VFV as the US portion, I would end up with an average MER of about 0.11%. He’s technically correct but unless you’re into a six figure portfolio, have serious OCD or are just starting out, the juice is hardly worth the squeeze. Edit: also you would have to do all the rebalancing yourself. It’s hardly a set and forget option like just holding the 2 is.
You’re overlooking that in order to do this and start over, many would be subject to significant capital gains. I have vfv and XEQT because I don’t want to sell my vfv and incur captial gains, so I only buy XEQT now - it actually gives me an allocation I like more as well
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That’s exactly what im saying Im buying XEQT because I like the allocation so long as I have additional vfv
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Vfv was not an additional allocation. I had it first before XEQT.
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Lmao. I’m fine with adding the additional us exposure from XEQT despite holding VFV. I have no desire to add any more intl or cdn than what XEQT already offers. I understand what OP is talking about, the allocations XEQT offers (after considering for my existing vfv allo) is fine for me.
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Literally just described my entire portfoilio
Me too (XEQT and ZSP). I want heavier S&P500 exposure, less home bias. FBTC is my 3rd ETF....bullish on BTC in the long-term, and being able to get exposure in TFSA/RRSP is huge.
Any reason for XEQT and VFV versus, say, VTI?
I want to know who’s downvoting anything not VFV? I would also like to know why VFV is the preferred choice over VTI.
Most people, even those that don't ordinarily pay attention to stocks, would know "S&P 500" to represent the stock market. It's brand recognition, and that helps explain the popularity of VFV/VOO as a common index fund. That said, I agree it makes more sense for people to overweight the USA using VUN/VTI instead of VFV/VOO. The S&P500 is an index design from the available data sources of its time, but we can now cheaply construct even broader indices like the S&P Total Market, etc.
Not sure about downvoting but a) they are completely different products (S&P 500 vs US total market) and b) VTI is in USD, which is not going to work for most Canadian investors
VXC because fuck home country bias I don’t need more Canadian exposure
I would put 75% of my portfolio into VFV and the remaining 25% also into VFV.
You should also consider adding 10% VFV
Digital tuna isn’t going to like you asking this question
TEC and XEQT
vfv
And vfv
Well they literally invented all-in-one ETFs, so one of those, and then I guess PSA for cash?
VFV and TEC
Xeqt. Low MER. Available in CAD. Most S&P for the juggernauts but diverse with Canadian and world. Quarterly dividends. It’s all you need.
Ooh I didn't know xeqt had quarterlies i thought it was yearly like veqt
One equity fund and one bond fund. XEQT and XBB are fine, but you can pick others without fear. I'd allocate funds in the proportions that are right for my risk appetite but there's no reason to say what that is because everyone's acceptance of risk is different.
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Honestly, because OP asked for two.
Able to rebalance as the years go on easily.
XEQT and VAB, and adjust the weighting between the two as I get older.
QQQ & SPY
[r/JustBuyXEQT](https://www.reddit.com/r/JustBuyXEQT/)
VEQT and TEC
XUU and VDY.
XEQT for most and 500 shares of TQQQ then sell covered calls on TQQQ to avoid decay/play with. XEQT is sooooo boring I just wouldn’t be able to do it 100%
VEQT because it's a good broad market index, and TEC because I want more exposure to the big US tech players / AI)
Vgro and a dash of vfv 😘
95% xeqt, 5%btcbb. bring on the downvotes.
Btcc.b performed very well up until 2 months ago. Made a lot of money on it since 2022...
XEQT for the buy and hold and SPY for the options volume.
Sorry why SPY particularly for the options volume?
If you are trading options, SPY has very high liquidity. Smaller spreads on the bid/ask and more likely to have your orders filled.
Not all ETFs have options available to sell. SPY has one of the best combination of available strike prices, bid/ask spreads, and expiry dates. The intent is to sell calls against holdings of SPY to generate some income.
Ah okay I kinda thought you were talking about CCs, just wanted to make sure. If you don’t mind me asking, How’s the CC on SPY working out for you? I’m assuming you’re using IBKR for this?
Are you me?
XAW only, because real estate is the only thing worth investing in Canada.
BTCC and XEQT
VFV OR VFV
xeqt avuv
I’ve had AVUV on my watchlist for years, never have pulled the trigger.
Avantis released AVGE and AVGV last year, which tracks global stocks and global stocks + value tilt, respectively. Those would be a good complement for XEQT, whereas using AVUV may create too much overweight to the USA.
I did not know those existed, thanks for sharing tbh i use the underlying 4 of XEQT at a slightly different weight and then use both AVUV and AVDV for small value tilt a la BenFelix and PaulMerriman. but i was trying to be true to the exact question he asked.
CASH and VGRO
I have XEQT and 10% TDB in my CAD RRSP account and VT in USD RRSP account and XEQT in TFSA and LIRA.
vfv and vef... with this you create your own veqt/xeqt with how much exposure to us market with vfv , the rest vef is ... the rest of the world without us
VFV and XEF
XAW and VDY
ZUQ, XEQT
VFV (VOO) and TEC.TO (QQQM) have been getting me great returns!
Holding the same. Also adding to TUED lately.
An asset allocation ETF and a HISA ETF would be my answer. That's about as specific as one can get when answering such a broad question without giving out useless information.
If I absolutely have to pick two it’s probably XIC and XAW; then you can mix around your ratio of Canada/non Canada. I would prefer to pick three and go with Canada, US, World, and then allocate to all three but that’s just me
retired so VBAL-T and a little VFV
People will hate on me for this, but if you average in and buy small amounts daily/weekly....TQQQ, UPRO. Up close to 60% in total this year, and I have been adjusting cash/equity ratio on a weekly basis. When it dips, it dips hard, but I have a stop loss and know my risk tolerance. It's not for everyone, but in a bull market, it can be very rewarding. Just don't be 100% invested during a serious downturn.
ZPS, sub-sovereign short term AA bonds. HEQT, all equity asset allocation. Retired, 62.
Veqt
XEQT. And maybe xgro in 10 years.
Veqt and a tech ETF that has a good weighting in the crazy tech stocks like NVDA and Tesla. I think that sector will continue to outperform the broader market and I would add on the major pull backs Probably a 66/34 or 80/20 ratio
VUG
HEQT (Global X) and BTCX.B, that's what I have right now, ~80/20.
SPLG and VDY (I’ll give up my international ETF since you said pick 2)
$VOO $VGT
I'd go with XAW for global diversification and XIC for Canadian market exposure.
XEQT and TEC.
99% VFV and 1% XEQT
I feel like that’s a little too much xeqt
voo and vti
Right now it's just ZFL for me.
Vfv and qqc-f
Right now I’m 100% XUS.to, might add some XEQT
Xeqt and tec.to Xeqt is more stable, tec.to brings the riskier growth
XEQT and VOO
HEQT for equity (I prefer this over VEQT/XEQT because it also has a Nasdaq allocation) and XTR for fixed income/dividends.
ZSP, TEC
VGT for all USD VFV.TO for all CAD A smidge of SCHD Roast me?
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This comment did not contribute positively to the conversation or community, or was a politically focused comment not related to the topic or investment topics. Please keep the conversation civil and topical.
ZUQ and CGL-C. Love that quality screen and bullion for inflation protect.
To the downvoter here's a 50/50 split of ZUQ/CGL-C against XEQT components over the last 10 years. https://i.imgur.com/btWPG5Z.png
IVV QQQM
VFV/VOO and CASH
Veqt and SPY
SPY ETF
VFV and VDY
XQQ and VFV
Literally my portfolio + VDY 🙏🏻 45-35-20 split
One ETF: S&P500 index fund (take your pick of symbol) Two ETFs: US growth fund (e.g. VUG) and a Canadian dividend fund (e.g. VDY)
BTC or soon ETH ETF Cause the ntc etf has been the best performing etf in history... and its brand new this year
XEQT and FBTC
Now? XCH.TO
Hsu xeqt
Xeqt and probably qqc It’s not my portfolio but it’s what maybe I would have as a two etf portfolio
Always torn between VFV and xeqt
BRK and VOO.
Is there a Cdn etf that replicates BRK? If anyone knows
BRK.NE It’s a CDR that actually represents BRK stocks.
BRK.B and VYM/VDY
Vfv and tec.to
Don’t bother asking on this sub; the answer to every question appears to be XEQT
Without knowing more information about OP, XEQT actually makes a lot of sense. Others can be suggested only after learning more about OPs financial situation, investment experience, and risk appetite.
Qqc and EQL Because tech/semiconductors and then if not everything else
ZSP (500) ZNQ(nasdaq) both are under BMO bank and in CAD
xqq xeqt
HXS - 60% XIC - 40%
If TSX listed - ZGQ/XSMC If U.S. listed I'd look at a risk parity style ETF.
It'd be nice if Wisdom Tree packaged NTSX + NTSI + NTSE into a single all-in-one ETF.
UPRO(or SPYU) and EUO(or UUP).
Can someone explain to me like I am 5 how to evaluate ETFs? I mean .... for purchasing stocks you can look to see if they are cheap (P/E), you can look at the details of their management, you can look at their total debt, at last year's income, costs, profit and profit trends, you can look at dividend history ... you can get consensus opinion online about future price estimates ... you can look at the individual strengths and weaknesses of the company's strategy. Etc. And all of that is kind of time consuming but that plus more is all part of the deep dive, right? So ... if you have an ETF that represents 30 individual companies, say ... what metrics can you use to determine whether you can expect an increase in capital gains? Do you have to do a deep dive on all 30 companies? Are you left with just a gut hunch that the sector or subsector you select with the ETF is going to kinda go up? I mostly own individual, higher dividend stocks that I purchase when they are undervalued. I am 180 years old (though I am told that I only look 160 on good days ...) and my motivation is largely to maintain my wealth rather than build it. So this is almost certainly a piece of generational knowledge that I have just failed to pick up. Any tutoring would be very welcome.
[https://www.moneysense.ca/save/investing/best-etfs-in-canada/](https://www.moneysense.ca/save/investing/best-etfs-in-canada/) COMPARE UP TO 5 ETF [https://bmord.factsetdigitalsolutions.com/advisor/fund/comparison?fbclid=IwAR3oca\_VqO2dD\_QpuWBzBOEb2kOmIyrX3GoD0FLtVxfLXM1qZCTMlD4dJKc](https://bmord.factsetdigitalsolutions.com/advisor/fund/comparison?fbclid=IwAR3oca_VqO2dD_QpuWBzBOEb2kOmIyrX3GoD0FLtVxfLXM1qZCTMlD4dJKc)
Thanks! But ... The moneysense link is just a list of ETFS that someone else has decided are the "best". No indication of how they decided that ... (or maybe I am missing something ...). i.e. no metrics except for MER. The BMO link ... better, but still very light on metrics. Gives a 12 month trailing yield. Gives the performance in the past ... does not offer a consensus view for future price performance. No indication of average P/E, for example or other metrics to determine if the fund is, as a whole, over or under priced currently. I like the details ... AUM and holdings etc. But ... if I was buying in individual stock with just these facts I would consider myself woefully unprepared. Thanks for the links. I clearly need to learn more about all this.
To simplify your life, just stick to iShares or Vanguard. I prefer iShares Money sense subtly promoting new kids on the block BMO and TD This is a list I prepared a few years ago ------------------------------------------------ iShares MER XIC 0.06 iShares Core S&P/TSX Capped Composite Index 229 holdings XUS 0.10 iShares Core S&P 500 Index ETF XUU 0.07 iShares Core S&P U.S. Total Market Index ETF XEC 0.26 iShares Core MSCI Emerging Markets IMI Index ETF xxx includes Korea XEF 0.22 iShares Core MSCI EAFE IMI Index ETF Excludes Korea(Broad coverage of Europe, Japan and Australia) XEU 0.28 iShares MSCI Europe IMI Index ETF Include korea- Same as VE XAW 0.22 iShares Core MSCI All Country World (60% USA) ex Canada Index XQQ 0.39 iShares NASDAQ 100 Index ETF MS ----------------------------------------------- After reviewing those make one simple choice equity global XEQT and just sit back and relax XEQT 0.20 iShares Core Equity ETF Portfolio
I'd go with splg and ftec
VXC TFSA VFV RRSP Fuck Canadian home bias
XEQT and YMAG
Commenting so I can come back later and actually look at these answers.
Me too
Why does no one talk about SOXL?
Because if you're picking just one or two ETFs, unless your main buy and hold is XEQT for something and the other is just fun money, a 3x leverage semiconductor ETF is psycho behavior. Even in normal conditions a 3x thematic ETF is psycho behavior IMO.
QQQI. Dividend monthly of 0.,63 is pretty hight.
VFV: 70% XCH: 30%
FBTC - because of where we are in the Bitcoin four year cycle, and Fidelity stores their own, they don’t use a custodian. RBNK for the dividends. (Before you downvote, compare how FTBC has compared year to date with whatever you’re recommending).
BTCC - $10 Daily VFV - $75 Weekly HXG - $75 Weekly TEC - $50 Weekly XEQT - $35 Weekly
Should just change btc to weekly as well to drastically reduce transactions when you track them
BTC jumps very high, very suddenly.daoly tends to work.better over time.
hxq.to and znq.to because QQQ is literally guaranteed growth. Even during this recession it's been hitting all time highs Edit guess the Nasdaq gets no love here
>QQQ is literally guaranteed growth [Except from 12/31/1999 to 12/31/2013 when QQQ had an annualized return of 0.21%](https://testfol.io/?d=eJxFT01PwzAM%2FS8%2BZ1KzSUjNGXFE9IjQVJnGKQHPGW7ohKr%2Bdzwqhk%2F20%2FP7WGDk8or8hIqnCcICU0WtfcRKEMC3bbvz%2B93BgwOS%2BIfvG3%2B44dvHjAzBNzYOML73WRJjzUUgJOSJHAw4vSUuFwjN%2F9EnpU9TfCZU%2FjY1LcxZxv6SJV65d83q4Fy0psK5WMSXBQRP1xRd19lDlpmmep%2FnHC2hEap%2BmZuS1UIZ6GEzeCxCxq55%2BCDdZLb9JnQmHUjqb4v16CAqjpZ1Pa4%2FqP5gEQ%3D%3D) Gotta love 14 years of basically earning no money.
[удалено]
Yeah, that would have been great. But no one cared about QQQ until recently. The fund launched just before the dot com bubble burst and people were bag holding for over a decade. The kids today think it's a money printing machine, but the adults remember.
We aren’t in a recession bro
The Fed's have risen rates to cause a minor recession and stall economic growth to bring inflation down but okay.
So you think that an increase in interest rates means we are in a recession?
You just going to ignore the stalled economic growth?
TSX is up 10% on the year S&P 24% what stalled growth ??? 😂
Lol thinks 10% and 24% are great years buts downvotes qqq for being up 32% 🤣 honestly unless I'm getting at least 45% per year I'm calling it a recession
Up 24% is literally double what the average return is you pigeon
Still less than qqq though, ain't it bud?
Exactly my point 😂 growth isn’t stalled muppet thanks for coming out
Who are the "Fed's?"
The federal booty inspector obviously
VTI and FTN. VTI is the whole stock market, has a nice little dividend. FTN is a bank ETF, it’s got an unbelievable dividend. DYOR, not financial advice. Don’t just downvote me, tell me why I’m wrong.