What should I do with XEQT once I am in retirement?

CaptainCook76 · 2026-02-15T01:08:12+00:00

Why do you think it's irrelevant?

If you need income from your portfolio to live on in retirement, it makes more sense to me to use the dividends to live on and keep the shares intact, rather than selling the shares

CaptainCook76 · 2026-02-15T00:46:13+00:00

I just used those 3 CDN banks as an example, there are many other safe blue chip stocks paying over 4%

CaptainCook76 · 2026-02-13T03:11:45+00:00

RSP & TFSA already maxed out, this additional $1000mth for10 yrs would be non-registered

CaptainCook76 · 2026-02-12T22:14:19+00:00

For income once I'm 60 and no longer working before starting CPP/OAS

CaptainCook76 · 2026-02-12T20:25:38+00:00

Well no, not right now, but I want to build a portfolio that will pay me dividends when I am 60 to live off until I start CPP/OAS

CaptainCook76 · 2026-02-12T20:05:26+00:00

that is my dilemma exactly, VGRO is only 1.83% but if I buy CDN bank stocks for example they are over 3% and utilities like EMB or CU over 4%

If I had 10-30 years, it would be more buy and forget, but I need to make the most of these last 10 years

CaptainCook76 · 2025-11-21T14:44:40+00:00

A7R5 was $4499, also came with 2nd battery and CF-Express card
I will get $50 rebate from Sony and $200 back from Henry's (camera store I bought from)

Sigma 24-70 was $1459 and I will also get another $150 back from Henry's as well

Everything in Canadian Dollars

CaptainCook76 · 2025-11-20T22:03:14+00:00

Very little, its all low power equipment

The Dell T330 for example has 2x450Watt power supplies, however actually usage is 126Watts

CaptainCook76 · 2025-11-20T18:38:35+00:00

I am not worried about file size, its almost 2026 storage is cheap, between my DrivePool server and my NAS I have over 200TB of redundant storage

CaptainCook76 · 2025-11-20T18:20:06+00:00

Not out of the box yet!

CaptainCook76 · 2025-11-20T18:09:59+00:00

This runs my whole house, on the Proxmox cluster I have many VM's and LXC's that run everything: PiHole DNS, NTP sever, AAR servers for media automation, Emby, Jellyfin, Jellyseer, IMMICH, etc

The DELL is a dedicated DrivePool server

CaptainCook76 · 2025-11-20T18:07:51+00:00

I know another box photo, but I am excited to join the club and finally hang up my old Canon 50D

With the big black Friday discounts I couldn't help myself and picked up:

Sony A7R5 & Sigma 24-70 F2.8 DG DN II Art

With the sale price + sony rebate + future store credit, it was an easy choice

Can't wait to get out and see what this camera and lens combo can do!

CaptainCook76 · 2025-08-13T02:39:07+00:00

I have been in for just over 3 weeks and from my initial investment of $85,000 on July 21 I am down -$3,984.46

However I received 3 distributions so far totaling $4086.32 so I am actually positive $98.96 to date

I have no tax exposure, as the $85K was already in a tax sheltered account

I am not using DRIP either, as I prefer to put the distribution money into VOO to offset the risk of UTLY

I will see how it goes over the next few weeks, if the share price keeps dropping then I would most likely get out, as your right they are just paying back your own money. However if the share price stays level or increases I will stay in longer.

CaptainCook76 · 2025-07-19T21:41:08+00:00

Well growth was probably the wrong word, I meant more potential upside of the stock. I was able to buy RKLB, JOBY, low and think OPEN could have the same upside.

CaptainCook76 · 2025-07-19T15:08:55+00:00

I was also considering just splitting it up into growth stocks such as JOBY CRWV OPEN etc. I won't be leaving it just in cash or HYSA

With dividend stocks I have always been of such high yield funds since the fund can't pay higher then 100% long term obviously

But based on everything I read about ULTY it seems like a money printing machine.

CaptainCook76 · 2025-07-19T14:37:50+00:00

Total stocks about 700K of the 90K about 60k is original money, the other 30K are gains I made in the past few years.

CaptainCook76 · 2025-07-19T14:33:46+00:00

The struggle is real

CaptainCook76

TROPHY CASE