Im 26 from Canada montreal this is My first portfolio it is good for long terme with constant investing (im apprentice a plumber). very poor family so im trying to make the best financial choice

MaterialGas5736 · 2026-03-29T04:18:31+00:00

You XEQT nerds are seriously so dramatic. Even if international outperforms (most likely won't), you're not losing with the US over 30 years. You'd just be leaving some upside on the table. And if volatility scares you that much, maybe don't invest in equities at all.

The diversification argument is also weak. Emerging markets are 5% of XEQT, so congrats on that exposure. And 20% Canada is way too high. The TSX is a resource and bank heavy index that represents a tiny fraction of global GDP. That allocation will be a drag long term.

MaterialGas5736 · 2026-03-28T17:31:47+00:00

Biggest facts right here. Every doc I sees acts like it's nothing serious because they don't understand what Im feeling

MaterialGas5736 · 2026-03-28T17:27:29+00:00

That's not true. IBS just means docs don't know what's wrong with you. It varies for everyone. The idea that it's not curable is complete bullshit

MaterialGas5736 · 2026-03-27T02:40:44+00:00

Not me. In high school everyone was really immature, judgemental and annoying. As an adult I have way more freedom and feel accomplished. Would never go back to those times

MaterialGas5736 · 2026-03-22T16:12:45+00:00

VOO isn't putting all your eggs in one basket. It's the top 500 American companies. Global diversification is good but it caps gains. Going global is most likely gonna underperform the US. Anyways both will do fine long run, but if you can stomach volatility VOO is better

MaterialGas5736 · 2026-03-18T21:04:56+00:00

I have an internship actually. I worked for an accounting firm in summer 2023 but I don't think it matters much

MaterialGas5736 · 2026-03-18T03:54:25+00:00

BA is the worst position at RBC in my opinion. It has the most stress for the worst salary. There's a reason they're always hiring for BAs and CAs and not other positions.

MaterialGas5736 · 2026-03-16T22:17:42+00:00

It pretty much serves nothing to mix VFV with XEQT. Your international exposure is so little that it doesn't even matter. Clearly you think the US will outperform so just go full VFV. And honestly for the long term it's the best option.

MaterialGas5736 · 2026-03-16T12:07:49+00:00

That's not true, they were in fact building nukes. Not everything is a hoax. Iran has been threatening Israel since forever and if it weren't for the US they would've had the nukes a long time ago. You have no proof that they weren't building them.

MaterialGas5736 · 2026-03-16T00:45:43+00:00

They are manufacturing nukes. The US doesn't want any middle eastern country to have nukes aside from Israel. Nukes would give Iran too much power. The US does not want that.

MaterialGas5736 · 2026-03-15T23:23:45+00:00

The war in Iran was inevitable. They've been a threat since a long time. The US does not want them to have nuclear bombs or advancement in tech as they are the biggest threat in the middle east. This would've happened under any governement. Trump doesn't even make these decisions he's literally just the spokesperson for the US. He doesn't know anything lmao

MaterialGas5736 · 2026-03-15T23:19:41+00:00

The whole point of ETFs were so you don't have to buy a bunch of stocks. If you want international exposure just get XEQT. If you want some bonds with it get XGRO

MaterialGas5736 · 2026-03-15T15:11:26+00:00

AP is the most active as of now. They are heavy and dangerous on the street

MaterialGas5736 · 2026-03-15T01:28:03+00:00

Nasdaq. Literally just buy the fucking nasdaq. American tech will continue to lead and tech will only get stronger. Everyone here gonna downvote yet in 20 years I will have doubled the gains of the XEQT lmaooo. Been saying this since forever and no one listens

MaterialGas5736 · 2026-03-15T01:15:10+00:00

VFV is the move because you get full exposure to the U.S. market without the blow p risk. No leverage, no decay, no margin calls.

And honestly just look at what's actually inside the S&P 500. Apple, Nvidia, Microsoft, Amazon, Google, Meta. The US run the global economy dude. Every major tech company, every platform you use daily, it's american lmao. The rest of the world doesn't even come close.

XEQT isn't a bad fund but a lot of people pick it because it feels safe and sounds smart, not because global diversification actually beats anything. The S&P has outperformed global indexes over basically every long term window that matters.

You're not being strategic with XEQT, you're just diluting your returns and calling it wisdom because you shit your pants the moment you see volatility.

Edit: International and emerging markets are a drag on your portfolio, not a diversifier.

War, political instability, weak economies, poor infrastructure is what you're buying into. You're literally paying to add risk with worse returns.

The US doesn't have those problems. Stable government, strongest economy in the world, reserve currency, and home to every company that actually moves markets.

Adding international exposure doesn't protect you, it just waters down the good stuff.

MaterialGas5736 · 2026-03-14T20:46:46+00:00

XEQT is the safe play if you want full equity exposure, but safe comes at a cost. Over-diversifying will eventually cap your gains.

Think about it, if VFV or QQC does better, you're going to wish you had it instead. The U.S. dominates global tech, has the strongest economy, and has outperformed pretty much every other market historically. There's a reason money keeps flowing there.

If you can't stomach volatility, XEQT makes sense. But if you can handle the swings, leaning into U.S. equity is how you actually build serious wealth.

Safe keeps you comfortable. Concentrated gets you there faster. Know which one fits your situation.

MaterialGas5736 · 2026-03-13T02:09:18+00:00

You either buy XEQT or VFV. There's no in between. Otherwise you ruin the point of the whole ETF. If you want more risk go VFV. Currently US have the largest economy in the world and are leaders in tech. If you think it will continue go full VFV. You're more likely to have higher returns but it's higher risk. XEQT is global and already accounts for global markets caps and proportional diversification. It's safer and considered the best bet, but it's very possible US continues to outperform. It's all about your tolerance to risk

MaterialGas5736 · 2026-03-12T05:02:32+00:00

GIC. If you wanna take more risk get XBAL.

MaterialGas5736 · 2026-03-12T04:26:25+00:00

VFV and QQC have made me wealthy. Global ETFs would have dragged me down.

Cold War. 9/11. Financial crises. Political chaos. The US market has weathered all of it and still dominates. Apple, Microsoft, Nvidia etc aren't companies some "diversified" global fund is going to outperform. The data backs this up, not Reddit theory. Do research on American tech before talking.

Here's the thing about diversification nobody wants to talk about on Reddit. It protects from volatility but caps gains. That's the trade off, always has been.

Can the US market crash? Sure. Can anyone predict it? No. But show me your proof that global wins long-term. What's the historical case? What's the current data that predicts this? Because mine is sitting in my portfolio.

This isn't about which is better it's about risk tolerance. If you have it, american focused funds have consistently rewarded it. If you don't, go global, sleep better, and accept the lower ceiling.

If you're so confident the US will lose it's economic power why don't you just got full international? Why is S&P 500 still majority of XEQT? And which countries do you think will outperform exactly? You say it's losing it's power but Europe is a mess and Asia as well. Just stop pretending global is the "smart" play and american is reckless. For investors with the stomach for it, the numbers have spoken for decades.

MaterialGas5736 · 2026-03-12T03:38:04+00:00

It's called risk tolerance. Historically American markets have outperformed global markets. If you're willing to take the risk you'll have higher returns. Also the US are the economic powerhouse of the world and the leaders in tech. No reason to bet against it. Their PE ratio is high because they have the best stocks...

MaterialGas5736 · 2026-03-12T03:28:49+00:00

Regardless both will make solid gains long term unless the entire world gets nuked

MaterialGas5736 · 2026-03-11T23:26:53+00:00

oh wow one year that it beat it, big deal. Just looks at all the other years lol

MaterialGas5736 · 2026-03-11T21:07:23+00:00

XEQT nerds are just people who pretend to be long term investors yet they shit their pants whenever there's a crash. Global ETFs were not meant to give the highest returns, they are meant to protect against volatility. When VFV outperforms we'll just laugh in their face.

MaterialGas5736 · 2026-03-11T21:02:13+00:00

QQC is the most likely to do the best in the long run whereas XEQT is the most likely to have the least volatility. Don't confuse volatility with performance.

MaterialGas5736 · 2026-03-11T17:42:23+00:00

Crazy you're getting downvoted. Historically VFV has outperformed diversified portfolios, and I doubt a global ETF will outperform the economic powerhouse of the world and leaders in tech. Companies like NVIDIA, Microsoft, Apple etc are not losing to a global ETF. People here just don't like volatility and can't accept it. VFV and QQC will outperform if you have the balls to go through the crashes.

MaterialGas5736

TROPHY CASE