I’m a 19-year-old Canadian pre-med student with a 30–40+ year investing horizon. I recently started Compounding With Ben to document what I’m learning about investing, personal finance, and long-term wealth building. My current portfolio allocation is: • 30% $QQC • 20% $XIC • 17% $XUU • 15% $XEF • 10% $XEC • 8% $TQQQ • Small crypto amount My goal is to combine broad geographic diversification with an intentional tilt toward the Nasdaq and large US technology companies. XIC gives me broad Canadian-market exposure, while XUU covers the broader US market. XEF adds developed markets outside North America, and XEC provides emerging-market exposure. The most aggressive part of the portfolio is TQQQ & crypto. I have limited it to 8%, but I understand that it targets approximately three times the Nasdaq-100’s DAILY performance—not three times its guaranteed long-term return. Volatility, compounding effects, and major drawdowns could significantly affect its long-term results. The biggest weakness may be overlap. QQC, XUU, and TQQQ all expose me to many of the same large US technology companies. Therefore, the portfolio is likely more concentrated than the six different ticker symbols initially suggest. My current reasoning is that my long time horizon and continued contributions allow me to accept above-average volatility. However, I also recognize that being young does not automatically justify taking unlimited risk. What would you change? 1. Reduce QQC 2. Remove or reduce TQQQ 3. Simplify into a global all-equity ETF 4. Keep the current growth tilt 5. Make another change entirely I’m documenting my decisions rather than presenting myself as an expert, so constructive criticism and opposing viewpoints are welcome. Educational discussion only—not financial advice. I’m happy to hear everyone’s thoughts! Would you keep, change or simplify anything?
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2 Comments
Michael Noël@therev · 1d
Some great ETFs. I would personally drop $TQQQ. If you want more tech, you could consider something like $TECI or $FINN.
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