Built by a Canadian investor,
for Canadian investors.

Hi, I'm Sara Misra.

I graduated from the University of Waterloo with a degree in Statistics. Numbers have always come naturally to me. Personal finance, it turns out, did not.

When I first started trying to figure out what to do with my savings, I was completely overwhelmed. There was advice everywhere, most of it contradictory. Financial media told me to pick stocks. Bank advisors pushed mutual funds with fees I did not understand. Reddit threads went fourteen pages deep with no clear conclusion. I spent months reading and still did not feel confident enough to do anything.

Eventually I found the Canadian passive investing community and the concept of the all-in-one ETF. I read everything I could about XEQT. The simplicity was almost suspicious at first, but the logic held up at every level. One fund. 8,400 companies. 0.20% cost. Automatic rebalancing. No decisions required after the first one.

I have been invested in XEQT since, and I genuinely believe it is the right approach for most Canadian investors who want long-term growth without needing to become full-time market observers. I started this site because I wanted a resource I wish had existed when I was starting out.

What JustBuyXEQT.ca is and is not

I want to be completely clear about the purpose and scope of this site, because that clarity protects both you as a reader and me as a writer.

• ● It is educational content written by someone who has researched passive investing extensively, believes in the approach, and wants to share what she has learned in plain language.
• ● It is independent and has no paid rankings, no sponsored content disguised as editorial, and no financial institution paying for placement. Affiliate relationships are disclosed.
• ● It covers XEQT specifically because that is what Sara invests in and what she has researched most deeply. Other funds and products are covered only for comparison purposes.
• ✕ It is not personalised advice. Nothing on this site accounts for your specific income, tax situation, risk tolerance, debt, time horizon, or financial goals. Two people can read the same article and the right action for each of them can be completely different.
• ✕ It is not a recommendation to buy XEQT. Sara invests in XEQT and believes it is a strong option for many Canadians. That is her personal view based on her own research and circumstances. It is not a buy recommendation for you.
• ✕ It is not a substitute for professional advice. A registered financial planner, fee-only advisor, or tax professional can assess your specific situation in a way this site never can. If your circumstances are complex, please consult one.

Why XEQT, and why simplicity

My Statistics background gave me a specific kind of scepticism: I do not trust things that seem to work until I understand why they work, and I do not trust arguments that rely on one favourable data set or one good run.

The case for passive index investing held up to that scrutiny in a way very little else in personal finance did. The evidence that most active managers underperform their benchmark over the long run is not a Reddit opinion — it is the S&P SPIVA report, replicated across every major market, every decade. The evidence that fees compound against you as surely as returns compound for you is arithmetic, not speculation.

XEQT specifically appealed to me because it made the decision tree as short as possible. Open account. Buy XEQT. Contribute regularly. Do not sell when markets fall. That is the entire strategy. The statistical case for global diversification, for automatic rebalancing, and for minimising costs over a 30-year horizon is strong. I did not want a complicated portfolio. I wanted the one that the evidence supported and that I could actually stick to.

That simplicity is what this site tries to explain clearly, without jargon, without false certainty, and without pretending the market cannot go down. It can and will. The argument for XEQT is not that it avoids losses. It is that it is a sensible, low-cost way to participate in global economic growth over the long run.

Errors, updates, and getting it right

I make genuine efforts to ensure the information on this site is accurate, current, and clearly sourced. Tax rules, account contribution limits, ETF MERs, and government benefit amounts change. I update articles when I become aware of changes, but I cannot guarantee that every page reflects the most current information at all times.

If you find an error, an outdated figure, or something that appears factually incorrect, I genuinely want to know. The goal is to be useful and accurate, and that requires being corrected when I am wrong. You can reach me through the contact information on this page.

All data points that can be verified are sourced. Where I am expressing a view or making a projection, I try to make that clear. The line between fact and opinion matters, and I try to respect it consistently.