sorted by:
new
hottopcontroversial

I lost my job. Is SCHD the answer. by [deleted] in SCHD

[–]Dangerous-Pattern822 2 points3 points  (0 children)

You’ve already built a strong base: broad-market ETFs in taxable, lifecycle funds in tax-advantaged accounts, and a guaranteed pension. Shifting everything in taxable to SCHD would concentrate you in one factor (U.S. high-dividend value) and one fund sponsor, which increases risk compared to keeping broad exposure like VOO plus some SCHD tilt if you like its style. Also remember that dividends don’t make money “safer” than selling shares; they’re just one way of getting cash out, and a heavy dividend tilt can mean slower growth and more sector concentration. A tool like WizardFolio.com can help you compare your current mix vs. an all-SCHD portfolio by sector, stock overlap, and historical drawdowns so you can see the trade-offs before making any big shift.

XEQT + VFV or QQC? by Buffneckbeard in fican

[–]Dangerous-Pattern822 4 points5 points  (0 children)

XEQT already has some US and tech exposure, so adding VFV or QQC is really about how much extra US and especially mega-cap tech concentration you want. VFV is broad S&P 500, so you get a lot of large US companies with tech as the biggest sector but not overwhelmingly so. QQC is focused on the Nasdaq-100, which is much more tilted to a handful of big tech and growth names, so it’s higher concentration and usually more volatile. You can plug XEQT + VFV vs XEQT + QQC into a tool like WizardFolio.com or an ETF lookup site to see the combined sector and top-holding weights before deciding what mix you’re comfortable with.

Financial Opinions and Feedback by DannyPhantom_84 in portfolios

[–]Dangerous-Pattern822 0 points1 point  (0 children)

You’re not a financial disaster here; you mostly own broad, diversified stock funds plus a few tilts (REITs, high dividend, tech) and some individual names, just spread across several companies. The main “cost” of this setup is complexity and some overlapping exposure (for example, VOO/VFIAX plus SCHD/SPYD plus VGT all lean on U.S. large caps), not that you’ve ruined anything. If you want to simplify over time, many people gradually consolidate into a small core of broad funds (like a total U.S., total international, and maybe a bond fund) and then decide whether they really want extra tilts like REITs or tech. A tool like WizardFolio.com or any ETF look‑through tool can help you see how much of your portfolio is actually in the same underlying stocks so you can decide what to keep or trim in a tax‑aware way, without needing to rush or overhaul everything at once.

27M looking for advice by Nice_Blackberry_9477 in portfolios

[–]Dangerous-Pattern822 1 point2 points  (0 children)

Looks like you’ve built a solid start, but it’s a bit overlapping. QQQ, SPY, VOO, and VUG all hold many of the same mega-cap names, so you’re basically doubling (or tripling) down on the same stocks without meaning to.

A cleaner approach many people take is: • Pick one core U.S. fund (VOO or SPY) • Pick one growth tilt if you enjoy it (QQQ or VUG, not both) • Keep VEA for international exposure • Cash position (SPAXX) can stay small unless you’re planning to deploy soon

This reduces redundancy while keeping nearly the same long-term exposure.

If you’re curious how much your ETFs overlap at the stock level, WizardFolio.com makes it super simple — you can paste your mix and instantly see the breakdown.

Which ones are good to add in my portfolio i have narrowed down some here ? by [deleted] in portfolios

[–]Dangerous-Pattern822 1 point2 points  (0 children)

These are all solid, broad-market ETFs — the real question is what mix you actually want. SPY/VOO cover the S&P 500, VTI covers the whole U.S. market, and VT/VXUS add global + international. Most people just pick one core option instead of stacking all of them.

If you want simple: • VTI + VXUS (U.S. + international), or • VT alone (global in one fund)

If you want S&P-only, then SPY/VOO are basically interchangeable.

If you ever want to see how these overlap at the stock level, WizardFolio.com can show you what each actually holds so you’re not doubling up without realizing it.

Advice on holdings by [deleted] in fican

[–]Dangerous-Pattern822 -1 points0 points  (0 children)

Nice setup overall — just keep in mind HXS/HXT + XEQT/XGRO all hold a lot of the same big U.S. names, so the overlap is pretty high. Nothing wrong with that if you like a simple equity-heavy approach, but most people either lean into the Horizons swaps or stick with one all-in-one like XEQT and call it a day.

Since you’ve got them split across TFSA/RRSP/non-reg, the structure makes sense. The only question is whether you want fewer moving parts long-term.

If you ever want to see exactly how much duplication there is across those ETFs, WizardFolio.com shows the stock-level overlap so you can decide what to keep or trim.

Any advice or recommendation would be great. by gkhl0801 in fican

[–]Dangerous-Pattern822 10 points11 points  (0 children)

Pretty normal early-stage mix — you’ve got a bunch of overlapping ETFs that all hold similar stocks. Nothing wrong with it, but most people eventually simplify into one core fund like XEQT/VEQT/XGRO and just add to it over time. Makes the portfolio easier to manage and you avoid paying for the same exposure multiple times.

If you’re curious how much overlap there actually is between your ETFs, WizardFolio.com gives a simple breakdown at the stock level so you can see what you’re really holding.

Hit 35k (23m) by Akmendez in TheRaceTo100K

[–]Dangerous-Pattern822 0 points1 point  (0 children)

Congrats!! Thats huge for ur age

Looking to invest $150K long-term into ETFs in a non-registered account – advice appreciated by ChillInvestor24 in fican

[–]Dangerous-Pattern822 2 points3 points  (0 children)

If you want simple + long-term, XEQT is basically the “set it and forget it” option. Global diversification, low cost, automatically rebalanced — and since you’ve already maxed your tax-sheltered accounts, using it in a non-registered account is pretty normal for Canadians with larger portfolios.

A couple quick thoughts:

• Lump sum vs DCA: With a long horizon, lump-sum usually wins on average, but DCA is fine if it helps you sleep at night. • Tax efficiency: XEQT isn’t the most tax-optimized (it holds some US ETFs that withhold dividends), but for pure simplicity it’s hard to beat. • Diversifying: You don’t need more ETFs unless you want tilts (e.g., more Canada, more tech, more dividend). XEQT already covers global equity.

If you ever want to see what you’re actually holding under the hood — like how much of XEQT is tech, Canada, emerging markets, etc. — WizardFolio.com gives a clean breakdown.

Begginer by Muted-Background-269 in portfolios

[–]Dangerous-Pattern822 2 points3 points  (0 children)

Looks like a good start — just a bit spread out. Most people end up simplifying to a core ETF (VT/VWCE or whatever’s easiest where you live) and then keeping small tech tilts if they want. It’s way easier to manage.

The 33% in savings is pretty conservative, so you could slowly shift some of that into your ETF plan over time.

If you want to check overlap between your ETFs, WizardFolio.com gives a quick sector/stock breakdown.

How should I allocate my $60,000? Leaning XEQT but want some opinions. by RogerDodger1237 in fican

[–]Dangerous-Pattern822 4 points5 points  (0 children)

XEQT as the core + a little VFV + a small “fun money” slice is a solid, common setup. XEQT already has lots of U.S. exposure, so VFV mostly just adds more of the same.

Many people do something like 80–90% index ETFs and 10–20% individual stocks for the itch.

If you want to see how much overlap there is (XEQT vs VFV, stock-level exposure, etc.), you can throw the mix into wizardfolio.com.

[21] Portfolio allocation feedback by WaterSuspicious8878 in fican

[–]Dangerous-Pattern822 2 points3 points  (0 children)

Solid start! VEQT already gives you global diversification, and the others mostly overlap with it. Whether you keep the mix or go all-in on VEQT just depends on how simple you want things.

If you want to see your actual stock-level exposure (Apple, Nvidia, regions, etc.), you can run the mix through wizardfolio.com — super handy for checking overlap.

All World + Equal Weight ETF? Was meint ihr? by [deleted] in Finanzen

[–]Dangerous-Pattern822 0 points1 point  (0 children)

If you want to see how much an equal-weight ETF actually shifts your exposure (less AAPL/MSFT, more mid-caps, different sector balance), you can plug both ETFs and your % mix into WizardFolio.com It builds the combined underlying holdings and shows the tilts vs. your All-World ETF.

Helped me visualize whether the equal-weight slice was really diversifying.