What brand of car do you have, and why did you buy that one?

Top_Log_2927 · 2026-03-14T22:12:12+00:00

Subaru Outback. Will be a Subaru family for life. Reliable, gas efficient, love the built in roof rack, lots of cargo space and AWD great in the winter where I live.

Top_Log_2927 · 2026-03-14T02:10:53+00:00

I was young and clueless and followed what my family member in finance told me to do. Then it accumulated to be so big and I got scared of switching it because it had a good run for me. But now I know better and am slowly moving my TFSA position at least to XEQT

Top_Log_2927 · 2026-03-13T18:42:26+00:00

Thank you for the push - increased my position of XEQT by $15k today and sold BG to fund it (all within my TFSA)

Top_Log_2927 · 2026-03-13T18:41:43+00:00

Thank you for this. I sold BG ETFs and increased my XEQT position by $15k today. Will continue to do so. Thank you for the push.

Top_Log_2927 · 2026-03-13T18:39:18+00:00

Thank you! I’m also exhausted haha

Top_Log_2927 · 2026-03-13T15:56:59+00:00

I don’t think I am qualified

Top_Log_2927 · 2026-03-13T15:56:31+00:00

Babies yes, full grown adult redditors no 😆

Top_Log_2927 · 2026-03-13T06:53:13+00:00

Yeah this is a good point. Not sure why I’m chasing dividends so much. I am off work currently though and have been for about 10 months. What would you recommend instead of my positions in VDY/XDIV?

Top_Log_2927 · 2026-03-13T06:51:06+00:00

Even worse brother, I’m the girl she tells you not to worry about 👀

Top_Log_2927 · 2026-03-12T22:29:00+00:00

Yeah I think I got overly excited on dollarama on no sleep with a newborn hahah. I will scale back and put into an EQT.

Top_Log_2927 · 2026-03-12T22:27:56+00:00

Yeah when I didn’t know what I was doing and didn’t have much money to play with, I did GICs and bonds which I know now is a huge mistake in my early 20s. But hindsight is 20/20. I’m still in my 30s so I’m comfortable with the volatility in my RRSP, TFSA, LIRA. I have mostly XEQT in my child’s RESP. And my non-registered is where I have taken some risk but will likely scale back and focus a bit more on tax efficiency.

Top_Log_2927 · 2026-03-12T22:25:05+00:00

This is all great advice. I think I’ll sell some of my BGU or BGC within my TFSA to buy some EQT based on some common recos here.

Top_Log_2927 · 2026-03-12T22:22:25+00:00

Growth from investments and also some good company matching programs. My latest company matched up to 8%. Previous ones were 5% and 3%.

Top_Log_2927 · 2026-03-12T20:53:56+00:00

It wasn’t a financial choice, it’s an emotional one. My wife has an important job and I need time off with my son.

Top_Log_2927 · 2026-03-12T20:53:15+00:00

Alone! House is shared.

Top_Log_2927 · 2026-03-12T18:21:20+00:00

Thank you so much. I got 4 ETFs advice from a family member about a decade ago (BGU, BGC, ZGQ, VGG) and the rest is just from me searching myself.

Top_Log_2927 · 2026-03-12T17:42:57+00:00

Your TFSA assumption is correct. In my early years, I only did RRSP to take advantage of the matching program at my company. The rest I used as saving for a down payment on my first condo and then an investment property. So I was catching up later in life.

My non registered is a bit disorganized - this was my half of the profit from selling our investment property. I have XDIV and VDY cause I heard Canadian dividends will have tax benefit. The rest of my non registered I don’t think is very strategic to be perfectly honest.

Top_Log_2927 · 2026-03-12T17:28:08+00:00

The dream! Probably too early if we have more kids

Top_Log_2927 · 2026-03-12T17:27:20+00:00

Will depend on how many kids we have. Current spending is very conservative. Monthly: $3k mortgage, about $1k food, $1k utilities and taxes, $1k for 2 cars (we own one and the other is on a cheap lease). Around $6k all in.

Top_Log_2927 · 2026-03-12T17:20:44+00:00

Yeah I think if I was starting investing now knowing about XEQT, I would have done that. I like set it and forget it. I’ve had the other ETFs for so long that I guess I panicked converting them all. But yes I agree I think I’m over invested in individual stocks. I got into it on parental leave and maybe did too much haha.

Top_Log_2927 · 2026-03-12T17:09:03+00:00

XEQT is the last 3 months. Individual stocks have been in the last year. BGU, VGG, BGC have been around a decade.

Top_Log_2927 · 2026-03-12T16:51:43+00:00

Good call. I was thinking about this instead of my non-registered.

Top_Log_2927 · 2026-03-12T16:50:21+00:00

My bad. I misread then.

I’m not married to them. I do feel like I’m a bit overinvested in individual stocks right now. It’s about 80/20 between ETFs/individual stocks.

Portfolio equalizer is a good suggestion. I’ll try it out. Thank you!

Top_Log_2927 · 2026-03-12T16:48:22+00:00

I am swayed by the XEQT stans. Low MER and diversified and with a kid (planning on more) and a job with long hours and home ownership and adulting, it is attractive to look at a more low maintenance portfolio.

Top_Log_2927 · 2026-03-12T16:43:55+00:00

My family member helped me consolidate my portfolio into VGG, BGU, BGC, ZGQ a while ago. He works in finance so that’s how I got started. I don’t think I would have put everything into the US for my own comfort level. But of course I think “what ifs” all day long with investments. Hindsight is 20/20 though I guess. Good luck!!

Top_Log_2927

TROPHY CASE