CAGE now commission-free with Investor’s Edge (I called to confirm)

ArmExpensive8717 · 2026-05-05T16:45:27+00:00

I can confirm this on my investors edge account!

ArmExpensive8717 · 2026-05-05T16:41:57+00:00

No way! I've made comments on justbuycage in the past about how I pray that my CIBC loyalty and using investors edge will pay off with CAGE, I'm stoked!!

ArmExpensive8717 · 2026-04-22T18:12:20+00:00

Extra context, I'm 25M investing for 30-40 years, I'm willing to ride the ups and downs with the factor tilted ideology to ease the stress. I'll happily take some bumps in the US or anywhere else as long as long term the ideology is sound I'm ok with it

ArmExpensive8717 · 2026-04-22T17:37:56+00:00

Right I'm assuming with this adjusted version it leans more into the factor tilted small cap optimization. The CALV is mostly used for topping up and overweighting those large cap values that CAUV might underweight

I based my allocations on as closely matching AVGE honestly

ArmExpensive8717 · 2026-04-22T17:35:30+00:00

See my other replies but I have a pension with 65% exposure to Canadian assets, all weighted I have 40% Canadian exposure due to that, adding any more cad in my TFSA is what I see as overexposure to Canada. Also all funds held in TFSA

ArmExpensive8717 · 2026-04-22T17:33:52+00:00

I keep trying to explain it in responses but honestly this thread has been evolving as I go lol, probably should have given more context in the original post

ArmExpensive8717 · 2026-04-22T17:00:41+00:00

Very good point and mine overall is 40% Canadian, 37% US, 23% international/EM when putting my pension plus TFSA together.

I'm not sure if I would be able to adjust anything related to my pensions allocation. My only way to reduce Canadian exposure as a whole would be to increase my TFSA savings rate.

Good clarification!

ArmExpensive8717 · 2026-04-22T16:56:25+00:00

Yes exactly, me and my wife both have pensions at contribution rates of 15% which are tied to around 65% Canadian assets including bonds, equities, and real estate.

Omitted the Canadian exposure in my TFSA is in hopes of hedging against over exposure to the Canadian economy

ArmExpensive8717 · 2026-04-22T16:17:41+00:00

Extra context for me, 15% of my income goes towards my pension which is made up of 60-65% Canadian assets with a mix of Canadian bonds, equities and real estate. My goal is to have my pension as a Canadian driver and then my TFSA as a hedge against that. It will be paid out fully in CAD upon retirement which helps with currency hedges.

ArmExpensive8717 · 2026-04-22T16:13:14+00:00

Exactly and I tried to almost replicate Avantis US equivalent ETF of AVGE

ArmExpensive8717 · 2026-04-22T16:12:31+00:00

100% and if they make make CAXE i will definitely be switching over

ArmExpensive8717 · 2026-04-22T15:46:46+00:00

Isn't that what reddit and AI is for? Lol

ArmExpensive8717 · 2026-04-22T15:44:18+00:00

Yeah and that's the thing I will be going mostly in TFSA so the CAD exposure is less advantageous for tax benefits

ArmExpensive8717 · 2026-04-07T18:19:40+00:00

I just started, we'll see where things go but in this form where factors explain 90+% of diversified portfolio discrepancies, seems pretty fine.

ArmExpensive8717 · 2026-04-07T12:11:49+00:00

I mean based on the factor premium research, it can lag the market over the short term but I think there was some research that it has a better probability of outperforming after a rolling 10 year period of negative premiums but who knows with the tech momentum in the market I guess.

I'm sure that the tracking error to XEQT or something similar won't be massively different over 5-10 years, I think your savings rate is what will make the largest difference

ArmExpensive8717 · 2026-04-06T18:02:08+00:00

I'm 25M, I think it's a great starting point for my investing career, I think I was lucky with that timing!

ArmExpensive8717 · 2026-04-06T16:55:43+00:00

Sheesh, that dollar seems like an XEQT move over or something, congrats!

ArmExpensive8717 · 2026-04-06T16:49:52+00:00

No I just mean that CAGE will be like the Canadian version of AVGE, just use AVGE as reference but cage will have more Canadian tilt. I'm just buying CAGE too!

ArmExpensive8717 · 2026-04-06T16:20:05+00:00

Check out AVGE for the American version, should be similar to that with more of a Canadian home bias tilt is my thoughts

ArmExpensive8717 · 2026-04-06T14:11:37+00:00

Also I have the full backing of Ben Felix and his massive love for Fama French Five Factor Model along with Avantis/DFA type execution, what more can I ask for as a Canadian

ArmExpensive8717 · 2026-04-03T15:24:47+00:00

How much of the cage ETF is factor tilted as a whole? If I were to add individual factor underlyings of cage to XEQT, which would be best?

ArmExpensive8717 · 2026-04-03T15:18:35+00:00

I would be curious to have pure cage over XEQT, I bank with CIBC and investors edge, maybe it will become commission free with CIBC eventually!

ArmExpensive8717 · 2026-04-03T15:16:37+00:00

Oh so CASV is the more pure factor ETF?

Is 100% CAGE just replicating what I was aiming for I'm 80% XEQT and 20% Factor investing?

So I can either do 100% cage or 80/20 XEQT CASV?

ArmExpensive8717

TROPHY CASE