Transparency & YMYL Compliance

Sources & Methodology

Every factual claim on JustBuyXEQT.ca is grounded in a primary source. This page documents where our data comes from, how we verify it, and how frequently it is updated. Financial content that affects real decisions deserves this level of transparency.

Tier 1 Government & Regulatory

All tax rules, account limits, and government benefit figures cited on this site are sourced directly from Canadian government and regulatory bodies. No secondary source is used when a primary government source is available.

Government of Canada Canada Revenue Agency TFSA contribution limits, RRSP deduction limits, RRIF minimum withdrawal rates, capital gains inclusion rates, ACB rules, T3/T5 slip definitions, OAS clawback thresholds. canada.ca/en/revenue-agency › Government of Canada CPP & OAS — Service Canada CPP benefit calculation methodology, average and maximum CPP amounts, OAS eligibility, OAS deferral uplift percentages, GIS eligibility thresholds. canada.ca/en/services/benefits/publicpensions › Federal Regulator OSFI Federally regulated pension guidelines referenced in RRIF and drawdown strategy articles. Minimum withdrawal rate tables sourced from OSFI and CRA jointly. osfi-bsif.gc.ca › Industry Regulator CIRO (formerly IIROC) Canadian investment regulatory body. Referenced in brokerage safety and CIPF articles. Wealthsimple's regulatory status verified against CIRO member registry. ciro.ca ›

Tier 1 Fund Issuers

All XEQT fund data — MER, management fee, holdings, geographic allocation, AUM, distributions — is sourced directly from the issuer. No third-party estimate is used when issuer data is available.

iShares / BlackRock Canada XEQT Product Page Primary source for XEQT MER (currently 0.20% all-in), management fee (reduced to 0.17% December 2025), geographic allocation, holdings count, AUM, distribution history, and risk rating. blackrock.com/ca › Vanguard Canada VEQT & VGRO Product Pages All VEQT and VGRO data cited in comparison articles — MER, holdings, allocation, distributions — sourced directly from Vanguard Canada product pages. vanguardcanada.ca › BMO Asset Management BMO ETF Product Pages ZGRO, ZEQT, and ZMMK data sourced from BMO Asset Management product pages. ZMMK yield figures verified against BMO's published daily yield data. bmo.com/etfs › TD Asset Management TGRO Product Page TGRO MER (0.17%), allocation (90% equity/10% bonds), underlying index methodology, and performance data sourced from TDAM product pages. td.com/asset-management ›

Tier 2 Research & Academic

S&P Global SPIVA Canada Scorecard The SPIVA (S&P Indices Versus Active) Canada report is the primary source for claims about active manager underperformance vs benchmarks. Published semi-annually. Used in the case for passive investing. spglobal.com/spiva › Vanguard Research Lump Sum vs DCA Whitepaper Source for the claim that lump sum investing outperforms DCA in approximately two-thirds of measured periods. Vanguard 2012 whitepaper. The 2.3% average lump sum advantage figure cited in the DCA article. Vanguard Research › MSCI Emerging Markets Index Data Emerging markets weight in global equity (approximately 11% by market cap) sourced from MSCI's Global Market Accessibility Report. Used in the emerging markets rebuttal. msci.com › Statistics Canada Retirement Savings Data Canadian median household savings by age group, retirement income data, and pension coverage statistics referenced in retirement planning articles. Sourced from StatCan census and survey data. statcan.gc.ca ›

Live data Price Data Methodology

XEQT Live Price Feed

The live XEQT price displayed on the homepage, XEQT Data page, and Market Pulse page is retrieved via the Yahoo Finance public data endpoint (query1.finance.yahoo.com/v8/finance/chart/XEQT.TO) on each page load, cached server-side for 30 minutes, and refreshed on a cron schedule. The feed returns the most recent traded price, daily change, 52-week high, and 52-week low. Data is indicative and may be delayed by up to 15 minutes during market hours.

When the live feed is unavailable, the site displays the most recently cached price clearly labelled as potentially stale. The 52-week high used in the Market Pulse drawdown calculation is sourced from the same feed.

XEQT MER — Current Position

BlackRock Canada reduced the XEQT management fee from 0.18% to 0.17% effective December 18, 2025. The all-in Management Expense Ratio (MER), which includes the management fee plus operating expenses across the underlying funds, remains approximately 0.20% based on the most recently reported fiscal year figure. The site uses 0.20% as the cited MER with a note that the management fee has been reduced. As BlackRock's next fiscal year reporting reflects the lower management fee, the all-in MER is expected to settle around 0.19%. We will update all references when the new fiscal year MER is formally published by iShares.

Historical Return Figures

XEQT historical return figures cited on this site — including the 12.98% annualised return since inception — are sourced from StockAnalysis.com and PortfoliosLab, which calculate total returns inclusive of distributions with dividends reinvested. These figures are updated periodically and should be verified against the most current data before use in investment decisions.

Policy Update & Correction Policy

Articles reviewed at least annually or when source data changes

When articles are updated

Tax-related articles are reviewed at the start of each calendar year when the CRA publishes updated contribution limits, RRIF withdrawal rate tables, and benefit thresholds. Fund data articles are updated when BlackRock, Vanguard, or BMO publish updated MER or product documentation. The Market Pulse page updates automatically via the live price feed without editorial intervention.

When a factual error is identified, it is corrected within 24 hours of discovery. The article's "Updated" date is changed to reflect the correction. Significant corrections are noted inline with a brief explanation of what changed and why. We do not silently change figures without updating the date.

Not financial advice — the precise limitation

All content on JustBuyXEQT.ca is written for educational purposes by Sara Misra, a University of Waterloo Statistics graduate. She is not a registered financial advisor, portfolio manager, or investment dealer. Nothing on this site constitutes a personalised recommendation. Tax rules, contribution limits, and regulatory requirements change. Always verify current figures at the primary sources listed above before making any financial decision. For personalised advice, consult a fee-only Certified Financial Planner (CFP) or registered investment advisor.

To find a fee-only financial planner in Canada, the Advocis directory and the FP Canada planner finder list credentialled professionals by province.