Here is the ultimate beginner portfolio

I see many beginners posting that they’re new to investing and don’t know where to start. 🤔 As someone who was in a similar situation just a few months ago and learned, here are the 4 ETF types (& ETFs) that are popular among long term investors 😃 :

1) S&P 500:
US: $VOO / $SPY / $SPLG
Canadian: $VFV / $ZSP / $TPU

2) GROWTH / TECH:
US: $QQQ / $VUG / $VGT / $SCHG
Canadian: $QQC / $HXQ / $TEC / $ZUQ

3) DIVIDENDS:
US: $SCHD / $VYM / $DGRO
Canadian: $VDY / $XEI

4) ALL IN ONE / BASKET / Global Exposure:
US: $VT / $AVGE
Canadian: $ZEQT / $XEQT / $TGRO / $VEQT / $ZGQ

I noticed many people following this type of a basic / uncomplicated portfolio and are doing really well for themselves 🔥

For % allocation, you can divide evenly among the ETF categories or allocate a higher % based on your preferences. Just DCA regularly and you should be good. 😎

Some people even just put it all into an all in one etf like $XEQT. This is also a good approach - it is much simpler and it works. Ultimately, it comes to whatever you prefer 🙂

Oh and yea, there are overlaps, but I don’t think there is anything wrong in that though - it would just count as doubling down on good things. 💯

I’m sharing with you all what helped me, but don’t forget to do your own research too! 🙏🏼

526K views

262 Comments

Kar Yung Tom@karyungtom · 1yr

Order #4 please.

John D

@iamjohn_d · 1yr

Holding all 4 of these types of products together seems awfully silly.

For instance, the S&P 500, by nature, is already a growth-orientated index. You’re investing into 500 of the largest companies in the United States. You don’t need a separate “growth ETF”.

A portfolio of VOO, QQQ, SCHD, and VT is also like quadruple US exposure with a small allocation to ex-NA.

etc.

chris regan@regansroute · 1yr

I am working on VFV and SCHD. I realize there is overlap but I am ok with that. I want growth and dividends. I am considering adding XEQT for the global exposure portion

Nikki @nikkiesha09 · 6mo

I would just buy XEQT. It already has #1, 2 and 3 and rebalances itself. Just keep it simple

mike

@mikes79 · 1yr

Financial folks and ETF are full of jargon. As long as you buy any basket of stocks (20 or more) without strong concentration risk, especially middle of the road -TSX, S&P, Dow, you will make $ if the market trends up. So just wait for some bad news days, negative weeks, buy in.

While you wait, park in a cash able GiC, get interest. When the market drops, you buy low..

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