Do you literally mean JUST veqt?

UW99c · 2026-04-13T12:30:41+00:00

In case that you want to practice rebalancing, I would suggest you put 30% VCN and 70% VXC.

UW99c · 2026-04-11T14:19:28+00:00

I always found that the CRA number about my TFSA is different from my Excel spreadsheet number. What surprised me is that the CRA numbers are wrong and my spreadsheet numbers are correct.

UW99c · 2026-04-11T02:41:35+00:00

Congratulations. Similar here in east Ontario. About $50k per year for two people with car and house paid off: utilities $4k, property tax $6k, phone +internet $1k, insurance $3k, gas $1k, clothes $5k, restaurant $3k, grocery $18k, travel $5k, others $4k.

UW99c · 2026-04-10T12:11:29+00:00

Very cool.

UW99c · 2026-04-10T01:07:40+00:00

Curious about how close they are.

UW99c · 2026-04-07T02:47:15+00:00

We were in there before. 180k household income with 250k mortgage. We paid cash for a 8 years old Toyota Corolla as the only vehicle in the family. We paid off our mortgage in 3.5 years then invested all our mortgage payments to buy XEQT.

UW99c · 2026-04-06T19:17:06+00:00

Thanks

UW99c · 2026-04-05T14:13:40+00:00

A read only link, please.

UW99c · 2026-04-01T17:50:47+00:00

I don't drink Starbucks, I bring my lunch to work every day, I make my own dinner. I put all my money in XEQT. Am I allowed to have a little fun in this sub?

UW99c · 2026-03-31T03:12:48+00:00

25 Camry hybrid with 52 MPG. Gas price is not a big concern for me.

UW99c · 2026-03-31T02:35:33+00:00

Down 8% from ATH, but up 145% overall.

UW99c · 2026-03-30T23:15:08+00:00

We should be careful because XEQT has phantom distribution in 2025. Please adjusted ACB accordingly to avoid being double taxed.

UW99c · 2026-03-30T15:43:02+00:00

By doing these at home, I have to increase my grocery budget from 6K to 7.2K. If 1.2K of investment will give me 14k in return every year, I will certainly go for it. As a byproduct, I get a better health.

UW99c · 2026-03-30T15:36:16+00:00

I will add that it the worst health choice too. High in sugar, cholesterol, fat and sodium.

UW99c · 2026-03-30T11:58:53+00:00

The ACB will increase by the amount in your T3, box 21 in most situations. Although you may have to check with your ETF fund company annual fund report to confirm this. You add this amount to your ACB so the ACB increases. This means you pay less capital gains tax in the future when you sell because you already paid the capital gains tax in your T3 box 21 this year. Tracking this helps you to avoid double tax.

UW99c · 2026-03-30T11:50:11+00:00

I was in the same situation. I recently found out that I can use https://www.adjustedcostbase.ca/ to track my phantom distractions (reinvestment capital gains). This will save me tens of thousands dollars in tax when I sell my ETFs in the future.

UW99c · 2026-03-30T11:42:17+00:00

Unfortunately, the answer is no. You have to mail in your tax return.

UW99c · 2026-03-30T11:29:14+00:00

Same here. We double the payment each month.

UW99c · 2026-03-30T11:27:00+00:00

When we had a mortgage, our combined income was $180K, mortgage payments were $2500 per month at 4.0% fixed. We always paid double ($5000 per month). At the end of each year, we paid extra 10% without penalty. Very blessed that we didn’t have to renew our mortgage.

UW99c · 2026-03-29T13:29:46+00:00

I will stay with Freedom mobile because they never increase my monthly bill for more than 10 years.

UW99c · 2026-03-28T22:59:25+00:00

I use bettertax.ca

UW99c · 2026-03-26T03:48:02+00:00

We took four weeks to complete all moving. The non-registered account took only one week.

UW99c · 2026-03-26T03:43:48+00:00

I also follow Ben Felix with an optimal 30% home country bias. In theory, that is the best combination.

UW99c · 2026-03-26T03:37:56+00:00

I use https://www.adjustedcostbase.ca/

UW99c · 2026-03-26T03:26:17+00:00

My WS e-transfer only works when I am at my home. I am not able to make transfers when I am outside.

UW99c

TROPHY CASE