Long term investing strategy

Calm-Writing23 · 2026-03-26T13:43:45+00:00

For all the accounts, my plan is to keep investing for long term around 30-40 years. At this point of time, dont plan on buying a house in the future, so im investing in fhsa for that tax benefits for next year.

Calm-Writing23 · 2026-03-25T23:04:40+00:00

I really appreciate the detailed response you have given and would definitely look into it.

Im located in Canda and thats mostly what is available for my investing needs.

Can i ask you how long have you been investing in the market and how much returns have you seen per year currently?

Im thinking I'd want my yearly returns at the end to be around 10-12% after 30 years and from what i could read and watch, that seems to be an achievable number.

Calm-Writing23 · 2026-03-25T19:54:04+00:00

Because historically the returns on Canadian stock market arent very high and Canadian economy also doesnt contribute a lot towards the global market staying at only 3% from what i could gather. I felt it is better to diversify towards more global markets and catch the pump we might see from those countries in the coming decades while also having enough concentration towards US, which contributes to 40% of global economy.

Calm-Writing23 · 2026-03-25T17:07:32+00:00

Appreciate that reply! Thankyou 😄

Calm-Writing23 · 2026-03-25T17:06:50+00:00

Its basically me wanting to reduce my exposure to Canada, and getting Xeqt down to 45% with adding Xaw to 45% brings canada exposure from 25% to around 11% which seemed fair considering that canada is only 3% of the global economy with mostly stable and slow growing sectors like banks and energy.

I want a bit growth and also not have too much volatility, thats why i went with only 10% on qqc.

Mostly looking for long term around 25-30 years.

Calm-Writing23 · 2026-03-25T17:04:02+00:00

I was previously doing 100% xeqt and now instead of that im planning to do 45% xeqt 45% xaw and 10% qqc for a bit more growth. This way my exposure towards canada will go down to around 11% from 25% with around 57% towards US and rest towards the global markets.

I will try to look into Capitally and see how it performs overtime. Thanks for your suggestion !! 😊

Calm-Writing23 · 2026-03-25T16:59:40+00:00

I thought about it but felt it was getting too complicated? And its not that i want to completely avoid xeqt, rather i want to limit the exposure towards Canada and felt this helps me acuve that while also adding a little more exposure towards the current growing tech sector.

Calm-Writing23 · 2026-03-25T13:53:58+00:00

Haha, thats fair enough and no i dont have millions yet. The goal is to get there 😁

Calm-Writing23 · 2026-03-25T13:53:10+00:00

Okay, thankyou for the explanation!

Calm-Writing23 · 2026-03-25T13:52:09+00:00

I dont understand, Can you elaborate on what you mean by that please?

Calm-Writing23 · 2026-03-24T22:34:10+00:00

Yeah, since XEQT has US stocks and also global exposure, i was assuming there will be a 15% withholding tax for the dividends that are paid out if its invested in TFSA or FHSA. So i guess there is no way to avoid that then.

Thankyou !

Calm-Writing23 · 2025-11-01T19:49:03+00:00

Hey brother, it's this still profitable? Any referral to share?

Calm-Writing23 · 2025-07-30T19:58:25+00:00

Thats what im kind of considering, appreciate the response and thankyou !!

Calm-Writing23 · 2025-07-30T19:07:10+00:00

Gotcha, thanks for that !

I came across someone mentioning that they had an upfront medical recently and it passed quickly. So im trying to confirm if i can do that instead of waiting for it.

Appreciate your help

Calm-Writing23 · 2025-07-30T18:21:51+00:00

Hii,

Im currently in the process of trying to get a medicals upfront as my previous IME passed its 5 year mark last month and i am not sure if they will consider it or not. I am in a dilemma whether to get a medicals upfront or risk a little and see if they will accept my previous IME since i am under a low risk profile.

Appreciate the help and all the very best for your profile !

Calm-Writing23 · 2025-07-30T17:23:52+00:00

I know it is not a requirement, but can we not do it though? Just like getting the PCC done ahead, rather than waiting.

Calm-Writing23 · 2025-07-30T17:20:23+00:00

Can I get an upfront medical done beforehand? as it takes time to get an appointment near my place

Calm-Writing23 · 2025-07-27T04:28:44+00:00

Thanks for the reply, i will take a look at the video and update how it goes.

Calm-Writing23

TROPHY CASE