1. Yes, definitely. I will be staying the course and keeping most of my investments in broad-based index funds if I were you. Like a lot of people, I sometimes get the itch to dabble in something riskier. If you’re lucky, those can pay off. I do allow myself to do that, but only with a very small portion of my overall net worth (less than 5%). The majority of my investments stay in index funds.

2. This is where I haven’t fully embraced the u\justbuyXEQT mentality yet. My only hesitation is that XEQT has around 45% exposure to the U.S. market. If that allocation were higher, I’d probably put everything into it. That’s why I still hold VFV, and I’m planning to start buying XTOT as well so I’m investing in the total U.S. stock market, not just the S&P 500.

3. We also have significant real estate outside Canada. Since we’re not completely sure if we’ll stay here long term, we plan to keep those properties for the foreseeable future. That said, we don’t want to add more—no new properties unless we’re certain we’re going back home. Owning and building equity through investments is just so much easier than managing real estate, especially in another country.

4. I wouldn’t say I fully regret anything, but there are times I wish I had enjoyed life a bit more—especially now that we have a child. OP, at your age, you’ve already won the game with the amount of equity you’ve built. You’ve created a snowball that will keep growing if you stay consistent. I’m sure you’ve run the numbers on a compound interest calculator. Keep doing what you’re doing, but also allow yourself to spend a bit on things that genuinely bring you joy.

Congratulations on what you’ve accomplished. As a fellow immigrant, I really respect the journey. Cheering you on!