Brandon, thank you for sharing this video. I've been eagerly searching for something like this, and your content really hits the mark. As I gear up to start my inaugural investment journey, even after two months of researching, I still feel overwhelmed by the initial steps.

Great video Brandon. I'm 22 and just started 2 months ago. I still have a lot in my timeline so right now, I went all in with ZSP (S&P 500 ETF). So far so good I guess, I am now up 4% on my capital.

18:31: "You could build wealth very easily if you're willing to contribute to your portfolio every paycheque, every month and let that compound over years and years and years, ideally decades, right? We're in this for the long term." I think your prior sentence in which you stated 'for a long enough period of time' is key. How many years is realistic to ride out the volatilty of markets and to benefit substantially from compound interest - ten years, twenty, forty? This semi-geezer (over 70) sincerely wants to know. Investment favours the young. I will live probably another fifteen years maximum. Thus, my perspective and more importantly timeline, is less about income or even savings than TIME. A tip from a retired man on GIS. Start when you are not yet twenty. This is key. Authors and speakers who say 'it's never too late' are selling snake oil. Fortunately, you make no such outlandish claims.

Which ETF would you suggest to supplement to China and India holdings?

Great Vidéo ! Personnaly, Horizon is my favorite however they typically have Slightly higher fees, they worth it.

If you buy an ETF get one that follows the U.S S&P 500

What’s your opinion on adding a Nasdaq 100 ETF like QQQ/QQQM for someone with a longer time horizon looking for more growth? I always wonder if adding one of those instead of VEQT, etc. is a good as I already have a large Canadian dividend portfolio of stocks and VFV. I also wonder if international specific ETFs are needed in a world where most companies operate internationally.

hi great video, iv noticed all videos for beginners talk about doing due diligence, but no one ever explains what that means or how to do it, a fund is mentioned, holds a mix for example, then what, id love to see a video for complete beginners showing what steps seasoned investers take when choosing what to invest in, thanks

if youre a beginner just buy SP500 etf and if youre interested start learning about stocks - dont do it the other way around or you have a good chance of getting burned - if you dont want to research stocks then just keep buying SP500 every month (or few months) till you retire and you will do very well. be careful buying too much TSX as it has vastly underpeformed the SP500 over last 100 years

XEQT and call it a day

back to basics!! i love it. thanks for the great video Brandon!

Can I choose any ETFs into Wealthsimple TFSA or some of them aren't allowed to keep in TFSA?

TFSA ETF Is there an interest rate when CRA could give you a penalty for over earning? I mean if I put 1000 and super hypothetivally earn 500 cad in the end of the year.

Im almost all in on TSLA and retire in 6 years. Wish me luck!

I'm 20 years old, currently in my portfolio I am holding 80% VFV held in my TFSA and 20% XEQT in my FHSA. Should I reallocate so that I have more in XEQT? Or should I diversify my portfolio more?

Great video, I just started investing about a month ago. This video brought the clarity and calm that I needed. Thank you!!

Great video Brandon! Lots to think about. Thank you!

If I was building a portfolio from scratch as a new investor, I would buy 100% VGRO and call it a day

Love XEQT and ZSP

What happens if I buy XEQT within the TFSA? Do I have to declare any earnings such as 15% US withholding tax? Or does the EFT lose some value due to this but there’s nothing I need to do? I’m worried I might miss something on the tax return.

Which ETF would you suggest to first park one's lumpsum amount?

Reit etds all seem down right now while s&p and tsx rtfs seem high, would it be a good time to purchase reits instead of others for a new long term investor?

do you get dividends with these etfs month after month?

Amazing down to earth video. Subscribed!!

You said xec but the screen said xef for international msci eafe imi index ???? Nevermind I figured it out xec is for emerging markets

Great video to share with young investors in the family!!!! Thank you. Subscribed!

Can't I do both option 1 and option 2? Get like one All-in-one ETF and then some other ETFs from across sectors? Amazing vid btw. TONS of info presented thoughtfully.

Can you recommend a financial advisor in Victoria BC?

ZUQ has done nice for me. 40%VFV, 5% ZWB, 5% HMAX, 10% various ETF's, 40% individual stocks.

You’ve been investing for 20 yrs .. you look like you are 20 years old! lol Of course you learned from your dad & now you can teach us!

This is the first video of many other videos and articles I've read that just left me confused and defeated when it comes to financial stuff, where I actually understand what to do and where to start. Thank you! New subscriber!

What website do you use to check those geographical

Thanks, for introducing these ETFs

Hello @Beavis, I am new to investing, how can I invest in s&p 500 US, from Canada, In wealth simple, the conversion fee is 1.5%, is it a good option, or are any other alternatives?

Just opened up an investing account with my bank and everything is so confusing (acronyms for days) and this is a really nice intro thanks man

Finally a realistic video❤

Thank you for sharing your knowledge

Any tips for investors that has been in it for 4 years now? What are the next goals?

Nice new background. Merry Christmas to you and your dad Marc

XEQT Gang

Hey Brandon, thanks for the video. I just started an approach with my wife, for her, who is not so interested in the stock market. I have penned about 50% to VFV, 30% to HXQ, 15% VCN and the remaining 5% in HAZ, TLF and VDY. going for growth as we’re early 30’s. Tlf I found has strong history so might be worth a look? Please comment if you have any insight. Cheers

How do i buy etf .... i never bought any. Not sure how to stary

Brandon, you're such a cutie, and so handsome :D

After watching this video I decided to allocate my portfolio as follows: 75% VFV, 15% VCN, 10% XEF. What you think?

thank you!

Absolutely amazing Thank you so much.

Helped a lot. Never to late.

Do i use wealthsimple or questrade?

thank you so much!!

XEQT mer is 0.2. If I go with the underlying etf instead with the same distribution wouldn't that add up to more than the XEQT mer at 0.2?

thank you so much your all video so helpul 🙏🙏

What do you do if you have come from another country, I have 100k CAD to take with me but im severely limited in the total amount I can invest, from what I understand I can only invest 7k of the 100k into a TFSA, seems really shit and there must be a way around it, even if I pay extra taxes for going over the limit, VOO or VFV has a avg return of 9.7 percent, seems way better than any bank savings account offering a 3 percent return

Thank you so much for making this video

95% VXC all cap no canadian 5% VCN all canada

Just started investing last month. Sending 1 to 2k per month in my TFSA. This is my current plan, thoughts ? : 50% in VFV-C 30% in VDY-C 10% in XQQ 10% in REI.UN Trying to get some dividend returns all the way playing it pretty safe. Is this half decent to get started ?

Excellent video.

ZSP gets advantage of getting tax reductions of 15% for owning it with an RRSP? Because as far as I know, it doesn’t. It is a ETF domicile in Canada and don’t get that advantage as how the VOO does.

I saw your another video which was 2 years old where you mentioned you have 10 years of experience and now u mentioned it’s 20 years. As a beginner, should we trust the information that you are sharing?

im thinking of putting 40% SCHD 40% XUS and 20% VGT in my FHSA and 60% SCHD and 40% VGT in my TFSA. I am a beginner canadian investor targeting etfs. thoughtsÉ

i have a few million dollars in 6% ten year GICs (so built in stability) but i have several hundred thousand dollars i'd like to play around with. so thanks for this video. (i'd like to pretend i earned that money but i so didn't - it was an recent inheritance)

What are your thoughts on the offering of private equity fund with Wealthsimple? This is the LGT offering?

Some people think they want control over rebalancing, buying and selling, but human emotions are the investors worst enemy, and exactly why the average investor should buy the all in one etf, set it and forget it. People get too greedy when one part of their portfolio is rising and don’t want to rebalance, and too fearful when the market drops and they sell People can’t control their emotions and do opposite to what they should be doing. Simple solution, XEQT until you are 40, then XGRO until 60, and XBAL until you take the dirt nap.

I personally like TGRO. They tweaked their structure so it's passive and expense ratio is 0.15, lower than XEQT's 0.20. The downside is it has 10% bond and no emerging market. On my RRSP, I have 100% ITOT, and in all other accounts, I am 100% TGRO.

You mention your dad helping you when you were younger. How do you recommend helping our kids who are younger than 18 and can't open their own investing accounts??

Great video Brandon! I agree with this approach as a whole and I think many new investors can benefit from it. You may know I am huge fan of XEQT 😁 which interestingly has a lot of similarities to your approach (i.e. approximately 45% exposure to US, 25% to Canada, 25% international, and 5% emerging markets). I am not investing in bonds, given that I have a DB pension in retirement which could act as a bond portion for my future early retirement plans. Happy investing man.

thank you, it starts to make sense!!!

11:13 - investing in Canada. Is this purely a business/tax decision or an emotional/nationalistic one? You mention how buying US equities is recommended due to it being the world's largest stock marlet. Why invest in Canada at all? I mean versus say Australia or Singapore (other of course than the difficulty in opening trading accounts overseas)?

love vfv pefer xiu over xic

If I had to start all over again, I’d just invest the same amount every week into a few different ETFs.

New sub here ... Appreciate yer advice sir ... Thank you for the content 🙏

Love it! KISS. Thanks Brandon!

Brandon, thanks for educational videos, as always! Is it possible to transfer my investments/stocks to my kids when they become adult? Thank you

I went with HEQT from Horizons :)

But why you don’t own them?

Started with atd at 18, now im 30 and im still only buying atd after 12 years.

Fund of Funds is a good idea, I think, but the yields are kinda low for my tastes...HDIF HDIV...but the growth needs to be compared as well. I think I would go with some blue chip stocks with a decent dividend instead of the ETFs you listed...but I like the income. Or, research the funds, see which stocks they hold that you like, and then buy those stocks. Maybe I'd end up with Microsoft, Disney, BMO, MREL, CNR...and of course: ATD and SRU.UN!! I am kinda Canada centric, I know.

What do i use, wealthsimple or questrade?

Mutual funds or stocks what’s better. Because I have 25k in mutual funds

The worst possible advice for someone trying to build wealth is to diversify. You want to concentrate when building wealth, Diversification is for wealth preservation.

The issue I have with ETF is two folds. First, when you buy into an ETF, the companies contained within it is going to change with time. Therefore, you are not really buying companies you are buying into a fund “manager” or index. Second, prices of stocks go up and down when people buy and sell. Therefore, there is another leverage with this mechanism because not only are company prices fluctuating but the ETf price is two. I just can’t find comfort in those two aspects.

How have you been investing for 20 YEARS???? You look like you’re 20 years old! Lol Even if you’re 30, that means you started investing when you were 10?! Anyway, thank you for the videos and giving us advice over YT. 🇨🇦

This video could have been 3 sec long. An image saying “XEQT”.

Well there must be some value in mutual funds Since there fees are higher Always hear Dave Ramsey talk bout ‘em

Did you say that you started investing 20 years ago? Huh!? But you look like 24 years old? 🤔 I guess you were the toddler that started investing in Mutual Funds before ice cream? Lol 🙏🏼👏 Keep up the great work Brandon! 😀

So by holding a fund of funds you are paying management fees and all those funds are also charging management fees so it’s not .20% in fees, but more like 0.40-0.50% all in. Holding individual ETFs tracking indices with 0.05-0.06% MER seems more optimal in terms of fees.

1.96 yield of zeqt seems kinda weak to me

Thanks for the video. Very very helpful for beginners like myself. I am planning to start my TFSA with this distribution. @beaviswealth, please provide feedback if possible. any input appreciated. VFV(40%)+ZQQ(20%)+XIC(15%)+XEI(10%)+VIU(15%)

JUSTBUYXEQT