Started with XEQT, now looking to reduce US exposure — thoughts on XEF?
I started investing last year with $1,000. As a first-timer investor, I got influenced by r/JustBuyXEQT and I kept it simple:
- 100% XEQT (Canada 25% / US 45% / International 30%)
This year I had $5,000 more to invest. Since I'm not thrilled about where the US is heading, I wanted to reduce my American equity exposure. After a lot of back-and-forth with ChatGPT, I landed on this going forward:
- 70% VXC / 30% VCN (Canada 30% / US 45% / International 25%)
Now I've also run my portfolio by Claude, which suggested the following if I want more granular control over my regional allocations:
- 25–30% VCN / 40–45% VFV / 25–35% XEF
- Option A: Canada 30% / US 45% / International 25%
- Option B: Canada 25% / US 40% / International 35%
XEF doesn't come up much in Reddit threads — curious what people think of it.
Ultimately, my question is: would you go granular (VCN + VFV + XEF) or keep it simpler (VCN + VXC)?
P.S. Relevant info: 40-year-old (not virgin) teacher.
Posted Apr 9, 2026, 9:21 PM UTC
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