XEQT
ISHARES CORE EQUITY ETF PORTFOLIO
stock TSE

Clowns saying ''just buy XEQT'' when XDIV massively outperformed it since incept is funny. It's almost like they prefer diversification over making more money.
XEQT is for people who don't know anything about investing and want a 1 ticker solution.

Agreed! Clearly they believe in the demand for 97% XEQT + 3% IBIT in a single fund, so why not 97% XAW + 3% XIC too.

I've wanted something like XINT for a while, very nice.
XTOT, XIC, and XINT would be a nice combination for people wanting the same underlying exposure as XEQT but with slightly different weights.
Hopefully Vanguard follows up with a similar product (and updates VEE to hold emerging markets stocks directly like XEC).

So I've been a pretty standard passive investor. For the past 5+ years, I am pretty much 100% invested into XEQT. Every months or so, I just contribute to it regardless of the macroeconomics. Fairly common, like many other people are doing. Over the past year, some real life situation changes forced me to pool up some extra cash in case I needed to use it, so I put a temporary pause on contributing more to XEQT. As such, now I'm about 75% XEQT and 25% cash (in CBIL).
Now I am able to contribute and save as usual again and I didn't need to use the cash I accumulated. Should I just follow the basic principles and lump sum the remainder 25% back into XEQT? I know this is suppose to be the right thing to do given the long-term 20+ year horizon, but its hard to not tune out the AI bubble noise and think maybe I should have some cash on the side the next while. However, I know this is now speculation and completely defeats the passive philosophy...

What is the point of this? Just buy XEQT and chill.

4% of stocks make up the bulk of returns, so its unlikely you will choose a winner.  So you'll do far better with XEQT or CAGE.

Just noticed that iShares has released two new fund-of-funds into their lineup:
* IBQT = think of it like 97% XEQT + 3% BTC
* XINT = just the international parts of XEQT
And in a tabular format:
|Underlying Asset|XEQT|IBQT|XINT|
|:-|:-|:-|:-|
|Canadian stocks (XIC)|25%|24%||
|American stocks (XTOT or ITOT)|45%|44%||
|International developed stocks (XEF)|25%|24%|66%|
|Emerging market stocks (XEC)|5%|5%|34%|
|Bitcoin (IBIT)||3%||
*(rounded to the nearest percentage point)*
[https://www.blackrock.com/ca/investors/en/products/352417/ishares-equity-%20-bitcoin-etf-portfolio](https://www.blackrock.com/ca/investors/en/products/352417/ishares-equity-%20-bitcoin-etf-portfolio)
[https://www.blackrock.com/ca/investors/en/products/352415/ishares-core-msci-all-international-equity-index-etf](https://www.blackrock.com/ca/investors/en/products/352415/ishares-core-msci-all-international-equity-index-etf)
I don't need either of these funds for my portfolio, but hey, more ways to slice up the Venn diagram of stock allocation.

XEQT has MASSIVE allocations of every Canadian bank already because of the Canadian home bias. It's literally some of your largest holdings.
Our banks are great, but they've become overpriced in the short term, they're all forecasting single-digit growth onky right now.
Personally I'd suggest just folding that into XEQT directly at this point. Or if you really want to hold financials, buy something different like Brookfield (BN).

Well I figured holding the banks individually would be cheaper since I would save on an MER, albeit a very small MER. But if there is a bank ETF out there that is allocated a certain way or uses a certain strategy that is more optimal then that would probably be the better decision.
Should I just sell BMO, Scotia and CIBC and put that 3k into Enbridge or XEQT instead?

EFTs are easy, diversified, automatically rebalance, reinvest dividends until they pay out dividends themselves, and you pay a MER for the convenience
Direct ownership has no fees except upfront transaction costs, may have a DRIP, can give you more cash flow (you're discussing stocks that have a higher dividend yield than XEQT), direct exposure which may be good or bad.
Direct ownership is good if you have a LT ownership mindset ie. Don't plan to sell for a long time or you want direct exposure to trade on a regular basis.
Depends on what you want in life
XEQT - theoretical less risk because of diversification for an ongoing fee
Direct exposure - no ongoing MER with all of the risk and reward of owning stocks directly

60 XEQT, 20 XBB, 10 CEF, 10 XGD.

As of right now, I’d choose \*EQT. The devil you know vs the devil you don’t.
I have a strong suspicion that you’re not going to see such a massive difference between VEQT/XEQT and CAGE over that timeframe that you’re going to regret either decision.
Just my two pennies.

XEQT till the are 15 and figure from there

I just moved my 100% of my $169,000 RESP from XEQT to CAGE in July. Timeline is 10-15 years for my kids.

I have my kid's RESP in XEQT, so far it has performed pretty good. Other people suggests cash.to

New family RESP - CAGE or V/XEQT for an 18+ year timeframe?