Two videos I made a while back that I think still hold up: Is An All-In-One Enough? https://youtu.be/MaqTc6CJmRI?si=Dhe9w-i-DVJ9S0aQ The Best Start for Beginning Investors https://youtu.be/eR5s3xfEk_E?si=SAXJFvJInf1k3eDI The message in both is the same: all-in-ones are awesome. Not just XEQT. The category. People switch between them for all kinds of reasons, meaningful or minute. VEQT market cap weights their foreign equities. Some moved to ZEQT because they wanted their fees going to a Canadian company. Others went to FEQT for factor exposure. All valid. I've also always talked about the potential shift along the equity-to-bond spectrum. XEQT to XGRO, XBAL, all the way to XCNS. I'm still undecided on my own opinion on bonds, but the option is there and it's part of the beauty of these products. And with ZEQT.T just being released, I could definitely see many people transitioning to that at some point in retirement if they prefer a more automated cashflow version. I was one of the first to post about the BMO T-Series, so this has been on my radar for a while. The point is: use the principles and concepts and apply them to your situation. I'm in the 100% equity versions across my accounts because my two kids are essentially babies and my time horizon is long. Your situation is different. The actual ticker symbol is up to you. My "Why I hold XEQT" videos were always about being 100% transparent with my audience. Showing you a real person using the strategy in real time. But I think the narrative of being "the XEQT guy" or "holy crap, he's the guy who ONLY holds one fund" may have caused some misunderstanding about my investing style. The conviction was never about the ticker. It was about the approach. From my cheat sheet: I recommend the asset allocation ETFs from iShares (XEQT, XGRO, XBAL), Vanguard (VEQT, VGRO, VBAL), and BMO (ZEQT, ZGRO, ZBAL) pretty much equally. The differences between them are minimal. I use XEQT as my example simply because explaining concepts through one specific ticker is easier than overwhelming you with choices. Do not let picking between these become a reason to delay getting started. The core is still the same. Treating the markets as fairly efficient most of the time means any all-in-one is a decent starting point and the simplest strategy to implement. I provide the tools and the food for thought. The rest is yours.
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12 Comments
Regis @mytranslator · 4moEdited
I agree 💯, I share the same philosophy. The strategy never changes. Only the vehicle does. 👍
Jewell @reign514 · 4mo
Set and forget . You’ll be surprise what 100 , 200 a month can accumulate in a few years hw much more if you leave it in a 100 yrs 😂
Rabid Money Badger @riggs · 4mo
It was never really about the ticker for me either. It was whatever delivered the most amount of cash flow with the least amount invested lol. Not great for building wealth but made me feel good inside. Then total returns got in the way lmao
Twenty-five And Invested@25andinvested · 4mo
Simple, its the style and strategy not the ticker that will take you to retirement.
Jacob Martin@bigjakechevy · 4mo
Great info man appreciate it! For the zeqt.t would this be an ok option for growth and income to reinvest a drip or just stick with zeqt until closer to retirement. Im 44 and just getting started.
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