A few weeks ago, I started wearing a brace for 5 hours daily to stretch out my arm. If I didn’t, my arm would be stuck at a 30 degree angle for life. (Long story.) During these long stretches of time (pun intended), I fiddle to pass time. I’ll read on Substack, watch some Netflix or YouTube, or catch up with news. But last week, I decided to plan what my future portfolio might look like after I retire from individual stock investing (which I won’t be doing anytime soon, though I was curious), and it works as a great base for what I’d consider “the best portfolio one could build.” This portfolio consists of ETFs. Two to be exact. Easy access, low fees… $VEQT and $VEE. $VEQT is an all-in-one with exposure to multiple different markets, much like what you see with $XEQT which is more popular (and $FEQT). I have no reason for picking $VEQT over the others; it’s only preference. All of these have nearly the same weightings of the same underlying holdings (at least for $VEQT and $XEQT, not fully sure of $FEQT), with similar annual fees. As of November 9, 2025 (when I brainstormed) VEQT had an exposure breakdown of: * U.S. (45.24%) * Canada (30.43%) * Developed ex-North America (16.94%) * Emerging (7.27%) Being a Canadian-based ETF makes it have home bias leading to a large share into Canada. But the good news is I’m also Canadian who happens to be positive on Canada as a country going forward. The U.S. exposure I’m also fine with. One thing that really stood out to me when looking over this ETF is the exposure to emerging. I’m bullish on an array of different markets. I like India, LATAM, the “Big 3” in East Asia, Eastern Europe, SEA, Australia, and more. What $VEQT, and really any of the all-in-ones didn’t fully realize, is this mindset I have. Supply chains shifting to Australia for rare earth processing (even if small) is a bullish signal. Korea’s new industrial military complex and rising auto quality worldwide is a bullish signal. Manufacturing being shifted further south in Asia to stop over reliance on China is big win for Vietnam and India (a bullish signal). Poland’s rising economic growth and military presence with numerous quality startups is a bullish signal. (Even Israel, no matter your political beliefs, has an incredible startup culture which is a bullish sign.) In an individual stock strategy like mine currently, it’s very hard to hold a part of each market I’m bullish on without diversifying to the point where an ETF would have been better. However, when I *am* holding ETFs like in this instance, I’d prefer to make as many quality bets as possible while retaining the risk mitigation aspect that’s popular with all-in-ones. I believe emerging will over perform Western Europe and Japan going forward (most developed ex-NA countries rather) and as a result, this second ETF was added for more exposure to these emerging bets. My portfolio allocation would be: * 90% VEQT * 10% VEE Meaning, the exposure of my underlying holdings would become: * U.S. (40.7%) * Canada (27.4%) * Emerging (16.5%) * Developed ex-North America (15.3%) This allocation increases the volatility and risk profile of the portfolio, but I happen to think it’s a better bet for returns. It’s a more balanced approach I feel, for our changing global environment. If you have thoughts, be sure to share. I’m quite proud of this mock portfolio given it was brainstormed on the whim. That’s it. Happy investing.
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37 Comments
ETF Go
@etf.go · 11mo
People can hit that easy button any time. Team ETF is always open to new members. 😉👍
Beskar Capital@beskar_capital · 11mo
...and I'd just buy $XOM , $GEV , and $EQT and wake up in 2034 outperforming everyone on this App! 😂 🤣 Funny ..... but true! 🏆
le bib@le_bib · 11moEdited
I support this message. This is something I would recommend to friends and family. I would just first make sure they are ok with 100% in stocks. Vanguard as a good quick questionnaire about that: https://investor.vanguard.com/tools-calculators/investor-questionnaire I had that discussion with my adult daughter and she really wasn't ok with 100% stock to my surprise so went with fixed income and a small position in VGRO just so can experience stocks too.
le bib@le_bib · 11mo
For me personally as someone who likes to pick my own stocks, if I had all my knowledge when I started investing, I think I would really have liked to go the David Gardner's way. Enter small position in high quality disrupters with high potential and hold for decades. Portfolio would then get concentrated organically and the few super winners would lead to oversized gains.
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