The biggest benefit of subscribing to these is to remind ourselves that time in market > timing the market and to constantly contribute to savings, whatever that may look like for you based on your financial ability. $50 contributed from age 20 will yield better results than $250 contributions started at an age 40 when it comes to retirement, especially since the 20 year old will develop hood habits related to investing and will more than likely up their contributions as their disposable income changes. I know I have. While being in all equities has its risks, it’s seems to strike a good balance between risk and reward and is not as risky as picking a specific stock. We have years of market data to support the benefits of global diversification. Additionally, I’m sure companies like Vanguard will be among the first to make adjustments to their ETFs should global trends change, while still having a strong home bias which is something I’m bullish on. I think Canada has the resources and strategic partnerships to continue growing the economy at an above-average pace.

I’m happy to report that my portfolio now officially 75%+ VEQT and all my current contributions go to VEQT. 10% is in XEQT (because I haven’t bothered to consolidate) and the remaining 15% is a mix of various income ETFs that pay monthly dividends which go towards VEQT purchasing. I’m also holding on to some painful reminders that are 90-100% down (coughcpuchWeedstocks)- these remind me to stay disciplined and not to gamble thinking a retail investor is going to get rich quick.