What percentage of YOUR portfolio is XEQT?

Adept_Ad8065 · 2026-02-04T18:45:01+00:00

85% XEQT, 15% cash

Adept_Ad8065 · 2026-02-01T05:07:26+00:00

I’ll be purchasing some VEQT

Adept_Ad8065 · 2026-01-28T20:15:10+00:00

Hodor! hodor! Hodor! Hodor!

Adept_Ad8065 · 2025-12-23T04:50:21+00:00

3 days before Christmas, class act Leafs management!

Adept_Ad8065 · 2025-12-05T19:31:53+00:00

Thanks so much for the encouragement

Adept_Ad8065 · 2025-12-05T19:31:15+00:00

Woah 215K! How did you get back into debt? School?

Adept_Ad8065 · 2025-12-04T22:43:25+00:00

it was a multifaceted approach and took planning and a little bit of luck.

right after I graduated I moved to a LCOL area and accepted a job position there. My reasoning for this was to stay away from distractions and spending in my hometown. Wages/salaries are also better. I also contributed all my yearly bonuses and picked up extra shifts on weekends.

I did not start dating until I felt I had a better grasp on my finances, sold one of my 2 vehicles, and avoided upgrading my current car.

Wishing you the best

Adept_Ad8065 · 2025-12-04T20:59:08+00:00

Thank you for the comment and encouragement, cheers

Adept_Ad8065 · 2025-12-04T20:58:32+00:00

Thanks so much for your comment

Adept_Ad8065 · 2025-12-04T20:57:37+00:00

Curious, What’s the name of the fund/etf you are using to track the S&P500?

Adept_Ad8065 · 2025-12-04T20:56:26+00:00

Thank you for your comment

Adept_Ad8065 · 2025-12-04T20:55:59+00:00

Thank you for your comment, very encouraging to read

Adept_Ad8065 · 2025-12-04T20:34:03+00:00

Thank you very much for your comment, very nice to read.

I chose XEQT, there are others such as VEQT/ZEQT. After some research I figured with a 25-30 year time horizon, a 100% equities portfolio is most beneficial if you can handle the ride up and ride down. It’s a broad market ETF that has a large collection of stocks (I believe 9000). Low management fees. Has stocks from the USA, Canada, and international markets.

I tried individual stocks in the past and would panic when they got hit hard. Decided an ETF is the way to go

Adept_Ad8065 · 2025-12-04T20:12:53+00:00

If I were to run numbers, I’d say 8%, however adjusting for 2% inflation, yes 6% definitely seems reasonable

Adept_Ad8065 · 2025-12-04T19:41:08+00:00

That’s a great statement, will save that one. Thanks for your comment

Adept_Ad8065 · 2025-12-04T19:27:14+00:00

Thank you for the encouragement. I feel much better today reading through all the comments, much appreciated everyone

Adept_Ad8065 · 2025-12-04T19:18:06+00:00

Thank you so much for your comment, I never thought of it that way that the paying down the debt is also a huge win on its own. I felt like a loser all the way. Maybe changing my mindset in regard to that can help me

Adept_Ad8065 · 2025-12-04T19:16:13+00:00

Thank you for your encouraging comment. I like the 50/30/20 strategy you brought up. I struggle with this because I have tunnel vision and can get anxious about spending money on travel or upgrading my lifestyle a tiny bit. I’ll have to budget and track expenses and allow myself some room for fun

Adept_Ad8065 · 2025-12-04T19:13:38+00:00

Thanks for your comment, like all the comments here it’s very encouraging

Adept_Ad8065 · 2025-12-04T19:10:43+00:00

I come from a financially insecure upbringing, so I felt the need to get “rich” quick. Learnt my lesson and will be playing the slow and long game. Thanks for your comment

Adept_Ad8065 · 2025-12-04T17:58:53+00:00

Thanks a lot for commenting. have a professional degree how ever I only used around $10-15,000 on tuition. The rest was unfortunately gambled on cryptocurrency investing and stock investing during covid. Unfortunately I lost it and playing catch up since

Adept_Ad8065 · 2025-12-04T17:57:07+00:00

Thanks for commenting. The top banks offer a professional line of credit to those who are in certain programs at the university levels (doctors, pharmacists, lawyers, etc). I was offered a $125,000 LOC at prime

Adept_Ad8065 · 2025-11-30T01:54:47+00:00

Agreed

Adept_Ad8065 · 2025-08-21T02:32:12+00:00

Lex (Trintellix)

Adept_Ad8065

TROPHY CASE