BTCQ
3IQ BITCOIN ETF
stock TSE

**RESP Strategy**
I'm Looking for feedback on my RESP investment strategy (16+ year horizon). My goal is high growth with diversification, perhaps, instead of just buying XEQT and calling it a day. Note: I'm trying to stick to Canadian ETFs (BMO/Mackenzie preferred) over BlackRock/Vanguard when possible.
**Planned Allocation**
* **65% – XUU** (Total U.S. market, large/mid/small caps)
* **20% – Canadian Individual Stock Picks**
* **10% – ZEA** (Developed ex-North America, unhedged)
* **3% – PHYS (Gold), BTCQ (Crypto)**
* **2% – CASH.TO** (Dry powder for dips)
**Thought Process**
* **More active than XEQT**, but still fairly simple. I want to be able to make moves instead of just setting and forgetting.
* **XUU over S&P 500-only ETFs** (VFV/ZSP) to get full U.S. exposure, not just large caps.
* **ZEA over emerging markets**—I don’t think broad EM ETFs (ZEM, IEMG) offer enough quality.
* **Gold & crypto are small, but I think they deserve a spot** for long-term diversification.
* **No Canadian ETF**, because I prefer picking individual **high-quality Canadian stocks** instead.
Would love feedback on how this compares to a just-buy-XEQT approach. My strategy leans much heavier into U.S. equities (70% vs. XEQT’s 42%), has less international exposure (10% vs. XEQT’s 25%), and replaces broad CAD exposure with handpicked Canadian stocks (15% vs. XEQT’s 25%). Am I underweight in CAD equities or international markets, or does the higher U.S. allocation make sense?
MER is slightly lower in my approach (\~0.12% vs. XEQT’s 0.20%), which isn’t a huge difference, but is it worth the extra effort? I understand I’ll need to rebalance—what’s the real risk if I get lazy and don’t rebalance on time? Am I overcomplicating this instead of just buying XEQT, or does this give me an edge?
Also, I’ve kept gold and crypto at 3%, should I increase that for better diversification, or is that enough in a long-term RESP? Looking for honest takes, tear it apart!

**RESP Strategy**
I'm Looking for feedback on my RESP investment strategy (16+ year horizon). My goal is high growth with diversification, perhaps, instead of just buying XEQT and calling it a day. Note: I'm trying to stick to Canadian ETFs (BMO/Mackenzie preferred) over BlackRock/Vanguard when possible.
**Planned Allocation**
* **65% – XUU** (Total U.S. market, large/mid/small caps)
* **20% – Canadian Individual Stock Picks**
* **10% – ZEA** (Developed ex-North America, unhedged)
* **3% – PHYS (Gold), BTCQ (Crypto)**
* **2% – CASH.TO** (Dry powder for dips)
**Thought Process**
* **More active than XEQT**, but still fairly simple. I want to be able to make moves instead of just setting and forgetting.
* **XUU over S&P 500-only ETFs** (VFV/ZSP) to get full U.S. exposure, not just large caps.
* **ZEA over emerging markets**—I don’t think broad EM ETFs (ZEM, IEMG) offer enough quality.
* **Gold & crypto are small, but I think they deserve a spot** for long-term diversification.
* **No Canadian ETF**, because I prefer picking individual **high-quality Canadian stocks** instead.
Would love feedback on how this compares to a just-buy-XEQT approach. My strategy leans much heavier into U.S. equities (70% vs. XEQT’s 42%), has less international exposure (10% vs. XEQT’s 25%), and replaces broad CAD exposure with handpicked Canadian stocks (15% vs. XEQT’s 25%). Am I underweight in CAD equities or international markets, or does the higher U.S. allocation make sense?
MER is slightly lower in my approach (\~0.12% vs. XEQT’s 0.20%), which isn’t a huge difference, but is it worth the extra effort? I understand I’ll need to rebalance—what’s the real risk if I get lazy and don’t rebalance on time? Am I overcomplicating this instead of just buying XEQT, or does this give me an edge?
Also, I’ve kept gold and crypto at 3%, should I increase that for better diversification, or is that enough in a long-term RESP? Looking for honest takes, tear it apart!