I’m 22, turning 23 soon, and have some experience with short turn around single stock investing for a few thousand dollars profit when i was 18 or 19 but after an inheritance I’ve decided to start my long term growth.

I maxed out my TFSA yesterday at 40700$≈ with a 100% take in XEQT. I’m wondering what my next steps are, where do I put money next, do I diversify? My satisfaction comes from seeing the number get bigger and understand that putting more money into it is the best way to grow it, but I am still a student in college till August of 2028. I have two 4 month work periods during those times one starting in january of 2027, and january 2028. During that time I will be saving roughly 40%-50% of my income to contribute to my accounts.

I do want to know which account I should open next (RRSP or FHSA). If possible I should fill my TFSA every january? What kind of growth can I actually expect? What kind of things can I do to improve? Really any sort of guidance is appreciated, and helps me in an area I hope to improve in.

Last October, I decided to start saving and learned about XEQT and investing. I didn't want to anymore FOMO trading so I settled with XEQT

- I started with $50 biweekly to test the waves, then it became $100, then $200, and once I hit the $4,000 I mark I went with $100 biweekly to save up in other accounts for other short-term purchases like a MacBook Pro
- I invested $1,500 during Spring from my tax refunds

I'm glad I steered away from FOMO route and stuck with something slow and long term

1505 shares of XEQT! Let’s see what happens

S&P dropped 1.39% today
XEQT dropped 0.85% today

Crash/downturn is inevitable in stock market. Like an energy, money move one country to another country, but never lost. So in stock market you need to protect your capital as long as you need to get your growth. XEQT provide both upside growth and downside protection having diversification.

XEQT is the ultimate way to grow your wealth passively. Have a great weekend everyone.

Hello I just turned 20 and I am open for your advice thanks a lot

Hey guys,

I don't have a huge tfsa as I've been saving for a house and mainly keeping cash in my FHSA and savings at the moment (prob should just max my tfsa). I don't have ton of META or AAPL, only 2 shares of META and 7 of AAPL lol. However I am currently up 292% on META and 114% on AAPL. Is it worth selling those off and putting it into XEQT? Or just keep those at this point and keep buying XEQT?

Thanks ladies and gentlemen.

Just looking for as many opinions as possible. TIA :)

Greed got the Best of me. I bought AGQ when silver was going on a run back in January. In 10 days I was up 60%. And like an idiot - I held on. Since then I've just ignored it out of frustration and business. And now here we are. So much for my play money. Am I thinking the right way to say I should just cut my losses and move on (back in XEQT). Or not likely but am i missing a better option. TIA

Edited to add:

2x leveraged daily In RRSP

çnvesting $100 CAD/month maybe more in XEQT in my TFSA through WS (10+ year horizon). I reinvest the distributions to buy more XEQT, and I like the idea of receiving payouts and reinvesting them

I know the simple answer is “just buy XEQT,” and I’m happy with that. But I’d like to understand the long-term picture:

1. At what portfolio size (if any) does it make sense to start splitting into other ETFs, like XEI for dividends, instead of 100% XEQT?
2. When I do, is it better to just direct new contributions to the second ETF until I reach the target split (e.g. 75/25), rather than selling anything?
3. What criteria matter more: portfolio size, time horizon, or risk tolerance? When would you add bonds (XGRO/XBAL)?

Thanks for any thoughts!

Should i keep putting money in Xeqt stocks? I have Amazon, Aritzia, Nvidia and IQQ in watchlists.

investing $100/month in TFSA : XEQT vs VEQT or add XEI?

I want to invest $100 CAD/month in my TFSA t. Long-term horizon (20+ years). I’m considering putting everything in XEQT/VEQT, or adding some XEI for dividends. Since it’s a TFSA, I understand dividends aren’t taxed, so I’m not sure if XEI makes sense.

Is there anything I’m missing? Thanks!

Does anybody know the amount of holdings or percentage of this index invested in AI and tech ? I ask because AI seems to be taking some damage lately in the sells offs of those stocks. Thanks !

Hi,
22F. Would it be smart to sell XEQT when high then rebuy at a later time when it drops again because that means I would have more shares at the low value where I could wait for it to go back up?
Edit: thank you all for taking the time to explain it to me, definitely won’t be doing that. I had some money in XEQT and it has gone up 17% in the past year and I was just curious about that as an option.

To those of you who are trying to pursue a career in comedy, do you spend your whole day finding ways to degrade people, what’s your purpose.

Hey guys, apologies if it’s a dumb question.

My TFSA is nearly maxed out. I am planning to buy XEQT in regular/non-registered account.

My question is: I buy XEQT in non-registered account, and hold it for multiple years, without selling it, do I still need to report it every year to CRA? Or only when I sell it?

I do understand I have to report dividends. But if someone can explain the process, it would help. Thanks in advance.

29M. started investing in Feb 2023 with TD then transferred everything to WS. My current salary is 87k before taxes (living in quebec canada) - monthly salary is 4118$ after taxes. I have about 8k in student loans left to pay, and LOC debt of 3k. How am I doing? Any advice to maximize my XEQT? should i move everything from VFV AND ZEQT to XEQT? thank you in advance

29F. 60k salary. I live at home. No debt, car paid off. Looking at moving out soon. I have just over 10k in an emergency fund savings. ~32k in xeqt, mostly in a fhsa. Not looking at buying any time soon. ~10k in vfv and ~6k in ZQQ, both in an rsp. This was done when I was in school before really learning about investing and actually finding xeqt.

My bitcoin is sitting at ~7k right now. I add $50/month for fun and fomo lol.

I make sure to max my fhsa first every year and when thats done I build my emergency fund more. I recently needed to tap into my savings to fix a car issue but thats what it is there for. I feel like im behind but I started investing when u graduated school at 25.

Just curious to see others opinions on how im doing

19, university student, and tech startup founder, hope to buy first home at 27-28

PSA: I used to have an account i managed but found myself always looking at it and not investing properly.

Everything I have

- Stocks (held through 5 stock funds) | $20,948 | 84.5% |

- Real estate stocks/REITs (inside those funds) | $448 | 1.8% |

- Cash (inside those funds) | $193 | 0.8% |

- Hedge fund (market-neutral, not stocks) | $3,209 | 12.9% |

- Managed account total - $24,798

The managed account

- Private wealth manager (CC&L Private Capital), split between a TFSA and a new FHSA

- Worth $24,798 as of Oct 12, 2026)

- Where the profit came from: fund prices +$2,931, dividends and payouts reinvested +$1,303, fees -$435

- Fees are about 1.3% a year

+personal wealth simple account ~$4000

The 6 funds:

| Global Equity (about 73% US) | $8,983 | 36% |

| Canadian Equity | $4,216 | 17% |

| Canadian Value | $4,122 | 17% |

| Small Cap II (Canada + global) | $3,357 | 14% |

| Multi Strategy (hedge fund) | $3,209 | 13% |

| Emerging Markets | $912 | 4% |

Biggest stocks underneath (my share)

RBC $788, NVIDIA $593, TD $583, Alphabet $512, Apple $431, Microsoft $350, Amazon $323, Applied Materials $314, BMO $279, Suncor $250

The funds only publish their top 10 holdings, which add up to about $7,950 across 45 stocks. The other ~$13,600 of stock money is in smaller holdings they don't list.

Why my Blossom only shows about $8K

I added my stocks to Blossom, but not everything can go in. Blossom tracks individual stocks, and I don't own stocks directly. I own units of the 6 funds, which aren't on Blossom. So I entered my share of the 44 named stocks it carries, about $7,970. What's missing:

- About $13,600 in smaller fund holdings that the funds don't publish

- The $3,209 hedge fund, which has no stock list

- One named stock (Accton Technology, about $16) that Blossom doesn't carry

The full $24,798 is in the lists above.

Breakdown

- Sectors: Financials 19%, Tech 17%, Industrials 12%, Consumer 9%, Energy 8%, Materials 7%, Health care 5%, Communication 5%, Utilities 2%, Real estate 2%, Cash 1%, hedge fund 13%

- Regions: Canada ~34%, US ~26%, North American small caps ~10%, rest of world ~17%, hedge fund 13%

My own Wealthsimple (not connected to the wealth manager)

Bought OKLO at around $10 USD and made about $3,000 on it.

Questions

1. Is ~1.3% a year worth it, or should I move to an all-in-one ETF like XEQT or VEQT? By my rough math it trailed a simple index mix by a few percentage points since Jan 2025.
2. Does a 13% hedge fund make sense at this size?
3. Should I keep the FHSA with the manager or move it to a self-directed account?
4. Anything else you'd change?

I would like to start investing into XEQT on Wealthmoney. Right now my visa in Canada is valid till July 2027, and options to stay longer I would say, but what if that wouldn’t be possible?

Would you still start buying it on Wealthsimple and wait what will happen or better do some international broker straight away to don’t need to do anything if I move?

What would you do on my place?

edit: idk how but i had a tfsa that was only for savings 😭 i just opened an investing one LOL so problem solved! thanks guys

hi all
i’ve been trying to move my xeqt holdings to my tfsa/ invest what’s already in my tfsa into xeqt, but for some reason my tfsa doesn’t come up as an option when i select “move holdings”.
they’re in a non registered investing account, not on loan, and i have whole shares and some fractional.
The wealthsimple ai chat helper hasn’t given me any help and we keep going in circles, so i figured you guys might be able to help.
How do i move my current xeqt holdings or buy more with what i’ve already contributed?

does anyone know the reason why XEQT has been down so much recently but a lot today?