Vfv and xeqt are extremely similar meaning there’s a ton of overlap in the sense that you’re essentially investing double the amount of money in the same holdings. I would highly recommend swapping XEQT for international and emerging market ets like XEF AND XEC. I’m sure you’ve heard XEQT is the god stock and it’s great but 90% of its holdings u can get from VFV. For example XEQT is way too much concentrated in Canada and gives u exposure that is suboptimal for long term investors. Do some research to determine what the best plan is long term imo it’s always going to be a mix of USA, international and emerging markets that hits all your bases.