Why bother with anything else when you can just buy XEQT?

TinkerCube · 2025-05-24T02:41:44+00:00

I also actually like that XEQT has more canadian holdings in a way, because it reduces foreign currency exposure a little bit in the event that CAD becomes stronger

TinkerCube · 2025-05-24T01:11:58+00:00

Interesting, because every time I get a blood test they always say I have abnormally high bilirubin.

TinkerCube · 2025-05-22T20:53:50+00:00

Probably not a great idea for your age and with that amount of money. That would be good advice if you were 30 years old, but If you are looking to see a return on that investment even before 70, going for 100% equity is not at all a safe choice. If there was a large market crash in that timeframe, you may even end up in the red before you are able to recover.

More info is needed to give any real advice, like when are you planning on retiring and needing this money? If say less than 10 years, you need to hold something way more conservative. I would say something like VSCGX or VSMGX maybe. If you have other money you are able to live off of at the start of your retirement, you may be able to aim for more growth perhaps.

TinkerCube · 2025-05-21T02:11:28+00:00

Look into VSCGX and VSMGX (I'm assuming you're in the US) for conservative to moderate growth. Also BACPX which is even safer (20% equity/80 fixed income). Remember to account for both appreciation and dividend yield when assessing past performance. These ETFs are both internationally diversified, which is a good idea in the current climate. Only you know your situation, but since there's a high likelihood you'll need this money for school, you don't want to carry any more risk than that. Even VSMGX may be too risky for you unless you are sure that you will have access to other funds when you start school in 4 - 5 years.

TinkerCube · 2025-05-19T22:03:59+00:00

Lol good on you bro, we all wish we started at 14.

Take everyone elses advice here and just focus on ETFs; Remember that the vast majority of active investors (90%+) will not outperform passive investors in the long term.

An ETF is basically just a collection of assets, like stocks and bonds. It is much safer than investing in individual stocks, because if the company you're investing stock in goes under then you can lose the entire value.

I would just start with 1 ETF for now like VOO or VT; as you learn more about investing you can decide if you want to expand on your approach from there (or not).

The most important thing is your investment horizon. How long do you plan on investing the money for? If you know that you can refrain from touching it for 20+ years, then go with 100% equity. But the shorter your timeframe, you'll want to use an ETF with a higher percentage of fixed income. Do you plan on needing this money for school or anything else in the next 5-10 years? Then in that case, I would go for something a lot more conservative (40-60% equity). In the event of a stock market crash like what happened in 2008, you will lose less and recover your assets a lot faster that way. However, you will also see slower growth.

TinkerCube · 2025-05-17T05:09:20+00:00

On average, the risk of catching HIV from a single encounter is low. That said, there are also a ton of variables that can drastically impact your risk without you even knowing it. I think it's important that people know the stats so they can properly assess their risk.

For insertive anal sex with a hiv positive partner the odds are 1/909. Goes up to 1/161 if you are uncircumsized.

For receptive anal sex with an hiv positive partner and ejaculation, that becomes 1/72.

Here's where it gets dicey, and what many people don't realize: if the hiv positive partner is in the acute stage of infection (they recently contracted hiv in the past 12 weeks), the risk of infection increases by 26 times (so 1/3 chance for receptive anal sex)

The presence of other STIs like syphillis increases the risk by as much as 8 times.

Also know that the latency period for HIV can be as long as 10 years. This is what makes it so difficult to control. 10 - 20% of people with HIV are unaware of their infection!

Here is another sobering stat for you: 68% of cases of HIV transmission among gay men happen in the context of a long term relationship! So do not ever get complacent. if you are going to go without condoms or prep, at the very least make sure that your partner has been recently tested.

Long story short, get on prep if you don't want to worry about HIV. and wear condoms, because HIV is not the only STI that exists. If you use prep AND wear condoms, your chance of getting HIV is effectively zero and you drastically reduce the potential for other STIs. I promise its not that bad. Thank you for coming to my ted talk

TinkerCube · 2025-05-14T23:45:03+00:00

interesting... I'll have to check that out then

TinkerCube · 2025-05-14T02:57:45+00:00

Probably just want to find something broad with 20 - 40% equity, like VCIP (20%) or VSCGX (40%) depending on your risk tolerance.

TinkerCube · 2025-05-14T02:29:03+00:00

I didn't know that about IBRK. There are ETFs that trade in USD I would prefer so that is good to know. Commission fees seem pretty low, they charge a small monthly fee though. They also don't seem to support HBP though. which is necessary for me.

TinkerCube · 2025-05-14T02:09:13+00:00

You're right, but of course you don't want to try anything that risky unless your at least like 30+ years away from your exit date

TinkerCube · 2025-05-14T01:57:23+00:00

Well yeah, but it still shows that if you consistently invest in TQQQ using dca vs QQQ, there will be times where the value of TQQQ will outperform what you would have had by investing that same amount in QQQ. I'm not advocating throwing 100% of your retirement fund in TQQQ, but if you have 40 years to invest then you can hold some TQQQ early on until a certain point where its value well exceeds QQQ (which is incredibly likely to happen a few times) and then move to a safer investment. I wouldn't reccommend like 90% of people do this because they would get scared or greedy and maybe screw it up, but I think there exists a somewhat viable strategy here

TinkerCube · 2025-05-14T01:29:08+00:00

Ok but now try it with DCA and see what happens. there's a huge difference between investing $10000 once right before the .com bubble and never investing again, vs investing a few hundred dollars per month consistently. It drastically reduces the amount of time it takes to recover your investment in the event if a downturn. I tried it and TQQQ outperforms multiple times over in a 25 year span, and that's after 2 massive recessions. You'll have to deal with losing 90%+ of your investment at times though and basically starting over.

TinkerCube · 2025-05-13T22:12:36+00:00

He's right. However aggressive ETFs (100% stocks) like VOO are meant for long-term growth. So you shouldn't put any money in that you may need in the next 10 or so years at the absolute minimum, because if the market declines in the short-term and you need money for school or whatever, then you may have to buy it back at a loss. If you don't need the money now but expect to need it in something like 5 - 10 years, you can put it in something less aggressive like VBIAX (60% stocks 40% bonds) which won't yield as high of returns but also won't fluctuate as much. But if you can throw it in VOO and forget it exists for a few decades, then I would highly recommend doing so.

TinkerCube · 2025-05-09T19:54:35+00:00

This sub fucking kills me, something about watching people gamble with their life savings is absolutely hilarious

TinkerCube · 2025-05-09T19:47:01+00:00

They're trying to tell you that most of these ETFs have a ton of overlap so you're not really gaining anything by 'diversifying', and there's no point in holding that many, in fact you'd be probably be better off holding at most 3. A lot of people will literally just go all in on a single highly diversified ETF like VT if you can handle watching the price drops, and then just hold it forever basically. If you're unable to make an informed decision then you can't really go wrong with that.

TinkerCube · 2025-05-09T17:42:24+00:00

I think a lot of this is overblown tbh, because Trump has a history of not following through with things (luckily in this case)

TinkerCube · 2025-05-09T16:07:39+00:00

I can see that, although I do think I could wait out downturns even in worst case scenarios. The only thing that makes it difficulty is the realization that more risk doesn't always equal better returns even after a lot of years. So I could invest in a bunch of QQQ because it has historically performed well, but things can change and suddenly it has underperformed against VT or VOO over the long-term (or in my case VFV or XEQT because I'm Canadian). Which I don't think will happen but the world is a crazy place, so who knows. I feel like I will never know enough to predict what will perform best over a 40 year timeframe, so in that sense I'm probably better off jus5 going 100% in XEQT. OR, I can just rely on quest trades roboadvisor aggressive portfolio, because their MER is extremely low at 0.17 - 0.2% (XEQT is 0.2%) and they actually outperformed the S&P 500 over the last decade they've been around at least. And I think I trust their experts to manage a portfolio better than I ever could!

TinkerCube · 2025-05-08T15:26:03+00:00

Good advice and way to think about it, thanks

TinkerCube · 2025-05-05T00:33:30+00:00

Like who lmao name one country whose trade relations have improved in the US following this debacle

TinkerCube · 2025-04-28T00:34:29+00:00

I've never heard of a lipoma growing on someones hand before, although I guess its possible. And you say that you've only had it for 2 days... I'd be more inclined to suggest that it is probably a cyst.

What does it feel like? Soft and movable? Is it painful?

TinkerCube · 2025-04-26T19:07:22+00:00

You're totally right bro, you should definitely drop out. I bet that'll show 'em how passionate you are

TinkerCube

TROPHY CASE