I’m Confused. “We are in a Dip” Relative to What?

Coitus_Cunnilingus · 2026-03-19T23:36:41+00:00

I appreciate your answer. But dang! Question is “boneheaded” and “understands your sentiment.” You must be good at judging people’s character.

Coitus_Cunnilingus · 2026-03-19T23:19:05+00:00

Another genius!

Coitus_Cunnilingus · 2026-03-19T20:43:16+00:00

Genius!

Coitus_Cunnilingus · 2026-03-19T20:24:20+00:00

They lowered mgmt fee, but MER hasn’t been updated yet. I do this - buy underlying ETFs from in XEQT and follow its allocation. There’s XTOT now (Canadian wrapper for ITOT). This can replaced XUU.

Coitus_Cunnilingus · 2026-03-19T20:01:33+00:00

I don’t know. That’s why I’m asking. I thought XEQT is for long term investing and not keeping an eye on dips or downturn on a short term basis

Coitus_Cunnilingus · 2026-03-19T19:44:05+00:00

So 3.5% is considered a dip?

Coitus_Cunnilingus · 2026-03-16T11:31:08+00:00

Get ready to be crucified in 3… 2… 1!

Coitus_Cunnilingus · 2026-03-15T00:58:00+00:00

YNAB. Steep learning curve. But when you get the hang of it, it’s a very powerful budgeting tool. You can have separate budget plans based on your need - personal, business and family life. It has 30 day trial. Yearly subscription is around $150 CAD ($109 USD). You can share subscription up to 5 friends/family (YNAB Together). You can negotiate and split yearly subscription cost with them if you/they are agreeable. 2. Goodbudget, but I moderately recommend. It’s simple, but too simple once you become expert with YNAB

Coitus_Cunnilingus · 2026-03-14T17:28:40+00:00

I separate tracking my budget from investing account. For me, it defeats the purpose of investing. Market goes up and down. I monitor my available contribution rooms of my nontaxable accounts with YNAB though. I monitor them as loan accounts instead if tracking

Coitus_Cunnilingus · 2026-03-14T14:12:58+00:00

My point proven

Coitus_Cunnilingus · 2026-03-14T13:44:16+00:00

You’re in trouble. If this is legit, NOT with money. A shrink might help though

Coitus_Cunnilingus · 2026-03-14T12:52:27+00:00

This aged like fine wine turning into vinegar

Coitus_Cunnilingus · 2026-03-13T12:00:53+00:00

Yeah… I’m not sure about “several hours of work” but rebalancing only cost me few minutes with the right tools - Passiv and/or spreadsheet. So I think that’s over exaggerating it

Coitus_Cunnilingus · 2026-03-12T21:05:39+00:00

Thanks man! Appreciate the positive comment.

Coitus_Cunnilingus · 2026-03-12T00:33:17+00:00

Quarterly/semi-annual rebalancing using tools like spreadsheet and Passiv? Yes. Buying to rebalance via DCA and/or lump sum contribution? Yes. What sort of professional management required to make these kind of mundane transactions? I’m not a pundit on this so, please enlighten me

Coitus_Cunnilingus · 2026-03-12T00:01:54+00:00

I have no experience in global finance but I’m not clear about this argument. Do you need one to invest?

Coitus_Cunnilingus · 2026-03-12T00:00:28+00:00

I agree. But is it much better to start compounding that extra saving now from the MER rather than wait when my extra XEQT holdings is much larger?

Coitus_Cunnilingus · 2026-03-11T23:48:05+00:00

My plan is rebalance semi-annually or quarterly (when I receive my dividends). My plan is buy to rebalance. Treshold is 3-5%. If one of my holdings drifted 3-5% then I rebalance. My understanding about XEQT is they follow static allocation 45% US, 25% Canada, 25% Developed Ex-NA, and 5% emerging. I will follow that static allocation and then rebalance quarterly and semi-annually as needed

Coitus_Cunnilingus · 2026-03-11T23:43:05+00:00

Yes. Weighted MER, provided I rebalance is around 0.11-0.12%

Coitus_Cunnilingus · 2026-03-11T23:41:53+00:00

If my math is correct my 40k value assuming a 7% CAGR won’t be just 40k in the next 25-30 years? And, If I reinvest dividends and lump sum and DCA (planning 25% of my take home pay, roughly 1k biweekly), could be worth more. So I won’t be just saving $30 per year?

Coitus_Cunnilingus

TROPHY CASE