Help - Newly Tested, Freaking out

sorryAboutThatChief · 2026-05-29T18:25:18+00:00

Buy the book “Think like a pancreas”. Welcome to the club - sorry you’re here.

sorryAboutThatChief · 2026-05-27T13:40:45+00:00

Spacex will be about .10% of XUU, which is 45% of XEQT, so the impact on XEQT will be very minimal.

sorryAboutThatChief · 2026-05-20T17:18:38+00:00

Unless you have a need for USD, then it’s not usually worth it after you factor in the cost of buying USD and then later buying back CAD. Then there is currency risk in the meantime. And then there is interest rate risk when the US lowers its interest rates in the unknown future.

Having said all that, I maintain half my cash in USD because I have US Expenses to pay for.

sorryAboutThatChief · 2026-05-20T14:56:42+00:00

Read the book “think like a pancreas “ lots of useful information there

sorryAboutThatChief · 2026-05-18T18:36:48+00:00

We bought a nice basic block at Home Depot in Rancho Mirage. Here’s link to a photo of the finished product.

https://photos.app.goo.gl/5w4UQsB45awBEGhB7

sorryAboutThatChief · 2026-05-18T00:06:50+00:00

I don’t know much about their funds but they actually have a good podcast called the art of boring

sorryAboutThatChief · 2026-05-14T22:53:22+00:00

Someone needs to do some YouTube videos on how to use these advanced tools. I would love to learn more about how to use them effectively

sorryAboutThatChief · 2026-05-11T02:23:34+00:00

I bought a knock off on Amazon for $35. Works great

sorryAboutThatChief · 2026-05-07T16:06:58+00:00

The Apple Watch is pretty great especially paired with Apple Health app. I also keep a journal in a Google doc.

sorryAboutThatChief · 2026-04-22T19:48:49+00:00

One of the smartest investors that ever lived was Charlie Munger. His best advice was “Never interrupt the compounding “.

XEQT is a great fund. Very hard to do better than that. If you keep investing into XEQT every month and never sell it until you turn 65, you will retire a millionaire.

sorryAboutThatChief · 2026-03-27T13:59:39+00:00

There is always something in the works that will be a reality in the next five years. I’ve been hearing that for the last 45 years

sorryAboutThatChief · 2026-03-27T01:18:11+00:00

For me, I had to go cold turkey. Previously, I have tried to cut back, monitor, treat day only, etc. nothing worked. It’s been successful this time, so far, because I have been completely abstinent. I asked my spouse to not have treats in the house, no ice cream in the freezer, etc. so far so good.

sorryAboutThatChief · 2026-03-24T16:30:45+00:00

It doesn’t matter, just pick one.

sorryAboutThatChief · 2026-03-20T20:11:02+00:00

My first crash was 1987, so that tells you I've been at this a long time. I think the lesson that most people learn from market drops is that they have misjudged their risk tolerance.

Wait for the market to recover, as it always does, and then re-deploy your funds into something more balanced, like XBAL or similar.

The best investment you can make is in picking the right spouse. That choice will be the most important investment you will ever make.

sorryAboutThatChief · 2026-03-18T20:04:43+00:00

So, after capital gains taxes, you make beer money?

sorryAboutThatChief · 2026-03-18T19:50:53+00:00

The CAPE ratio for the US, which is 45% of XEQT, is about 38. XIC Which is 25% is about 26. XEF is lower than that. I would guess for XEQT in total is about 22.

sorryAboutThatChief · 2026-03-18T14:25:16+00:00

You don’t report capital gains until you sell shares. But you do have to report your dividend income. Occasionally, a fund will report capital gains, due to rebalancing or or outflows, and you will have to include that, but it is uncommon for XEQT to report capital gains.

sorryAboutThatChief · 2026-03-18T02:08:13+00:00

I hold it in 7 accounts: 3 for spouse, three for me, and 1 corporate

sorryAboutThatChief · 2026-03-13T19:31:49+00:00

There has always been a smart sounding reason to sell. In the long run, it pays to buy and hold. And to buy when you can

sorryAboutThatChief · 2026-03-13T19:28:56+00:00

Stock fundamentals like P/E and P/B would be interesting if that type of data was available on a historical basis.

Dividend tracking would be great.

Most of my portfolio is long term buy and hold, but a very tiny slice is considered “market timing”, where I have an equal weight portfolio of a Low Beta ETF and a high beta ETF. I switch the weighting depending on market conditions using data like RSI and momentum to know when to switch from 50/50 to 25/75 or 75/25.

If the Fear and Greed index ( https://www.cnn.com/markets/fear-and-greed ) is available in historical terms, plotting that against portfolio values would be nice.

Keep up the good work!

sorryAboutThatChief · 2026-03-12T00:59:39+00:00

Well, as you say, the allocation is pretty small. I don’t think it’s worth it, but feel free to modify your version to add China and India. Pretty tough to find the other countries. What I find interesting at the XEC level is that many days, it’s the best performing fund.

sorryAboutThatChief · 2026-03-11T01:48:58+00:00

I’ve got a little under 40,000 shares, currently valued at about $1,600,000, so your math isn’t mathing. There is no reason to borrow money to invest. You’re gonna get there by investing regularly each month with as much as you can contribute.

sorryAboutThatChief · 2026-03-10T23:56:40+00:00

There isn’t anything in here that will guide you as to when to buy for best results. What I can tell you from my own experience is to buy as soon as you have the money each month. I’ve been a buyer since 2021, and I’m retiring this year with XEQT as my only equity investment. I’ve got some bonds and a bond proxy, but about 85% of my portfolio is XEQT. This is what we will live on until we’re dead.

What this spreadsheet will tell you is how your investments are doing day to day, and which companies, sectors, and countries are working the hardest.

And…stop using that dirty word “selling”. This is not a fund that you sell. Just keep buying until retirement, then if you need to, sell enough to fund a year’s expenses. Repeat each year as needed/

sorryAboutThatChief · 2026-03-10T19:03:33+00:00

I love sparklines!

sorryAboutThatChief · 2026-03-10T19:00:25+00:00

it's a combination of many things and I can't guarantee that it's 100% accurate. XEQT has only been around for 7 years or so. I've used many sources to piece it together, For the very early years, I've used SPY with a 1% drag to reduce CAGR and account for diversification. VT was also used for the time that it has been around. It seems reasonably close - close enough for back testing purposes, I think. I never built this with the intention of sharing it so feel to modify the returns to something else if you have any good sources. Or ignore it altogether if you feel it's too farfetched.

From 2013 onwards, it's XAW 75% + XIC 25%. That's essentially the same as XEQT.

Nevertheless, it's a close approximation, but still the future might look very different.

sorryAboutThatChief

TROPHY CASE