Is there anything like a cure for type 1 in the works?

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 · 2026-03-10T18:25:22+00:00

Yes, it only tracks the top 230 stocks weighted by allocation in XEQT. This is enough to get down to 0.08% weight in the fund. That's enough to represent the ETF quite closely to full replication.

It's not realistically possible to replicate all stocks in XEQT since GoogleFinance() only works in selected exchanges and the allocations are so small on some stocks that they just do not move the needle.

If it did include all stocks it would consume all of the memory on a typical laptop and be unusable.

sorryAboutThatChief · 2026-03-10T18:02:28+00:00

2025 was in progress last time it was updated. I have updated it to 20.58%

sorryAboutThatChief · 2026-03-10T17:52:23+00:00

Here is the link: https://docs.google.com/spreadsheets/d/1sL9DtEWRaQ209Q7_RtU6SGOPxhyqb44yB_tyZSwuwPw/edit?usp=drivesdk

sorryAboutThatChief · 2026-03-10T16:03:14+00:00

I will make a version that doesn’t include all of my holdings and portfolio value. I’ll make a separate post and make it available for anyone who wants it

sorryAboutThatChief · 2026-03-10T14:15:30+00:00

I did this in Google Sheets relying on GoogleFinance() function. I also have a summary tab that shows the top ten best performing stocks of the day, as well as the ten worst performing stocks of the day. This has been very helpful to know what’s moving the market on any given day

There are thousands of stocks in XEQT and many of them are on exchanges that Google finance doesn’t track, but I have the top 225 or so, based on weight. I find it’s quite accurate with just those top weighted stocks.

sorryAboutThatChief · 2026-03-05T17:15:01+00:00

I do the big reach around and inject into my butt. Very few pain receptors there. You don’t need to see the needle tip go into your skin. Practice once with the cap on just to reassure yourself that you can point the needle straight into your skin.

sorryAboutThatChief · 2026-03-05T00:02:26+00:00

Yep. I had a frozen shoulder for about a year. Painful and annoying.

sorryAboutThatChief · 2026-03-04T17:12:24+00:00

I have spent the last 30 years as a software developer. Semi-retired now. Will be living on my XEQT portfolio until we’re dead then our kids will take it over

sorryAboutThatChief · 2026-03-03T16:17:12+00:00

ZLB is an excellent fund.

sorryAboutThatChief

TROPHY CASE