XEQT is near its high.
Boring is good. Here is how to make the most of calm markets.
XEQT is near its 52-week high. This is exactly what long-term investing is supposed to look like. The best use of calm markets is planning — knowing your retirement number, optimising your account structure, and automating your contributions.
How Much XEQT Do You Need to Retire?
Calm markets are the right time to calculate your number.
Read the guide Investing StrategyLump Sum or DCA? The Evidence Is Clear.
When markets are healthy, lump sum wins. Here is the data.
Read the guide Account OptimisationTFSA vs RRSP: Which Account to Fill First?
Quiet markets are the best time to optimise your account structure.
Read the guideEvery drawdown has recovered. Every single one.
XEQT launched in 2019. In its short history it has experienced three significant drawdowns: the COVID crash of March 2020 (-33%), the 2022 rate-hike bear market (-18%), and several smaller corrections of 5-12%. Every single time, the fund recovered to a new high.
The investors who held through COVID and bought more — instead of selling — saw their portfolios reach new highs within 12 months. The investors who sold in March 2020 locked in a 33% loss and faced the emotionally difficult task of deciding when to reinvest into a rising market.
The evidence is not ambiguous. Time in the market has outperformed timing the market in every measured period across every major developed market. XEQT is designed specifically for this: hold everything, rebalance automatically, do not require any decisions from the investor.
| Drawdown event | Peak-to-trough | Recovery time |
|---|---|---|
| COVID crash (Feb-Mar 2020) | -33% | ~5 months |
| 2022 rate-hike bear market | -18% | ~14 months |
| Late 2023 correction | -11% | ~3 months |
| Early 2024 pullback | -8% | ~6 weeks |
| Current drawdown | 1.3% | Unknown |
Past drawdowns and recovery times are historical. They do not guarantee future recovery timelines. All investing involves risk. Not financial advice.
The market is on sale.
Are you a buyer or a seller?
Every Canadian investor who has held XEQT through a drawdown and kept contributing has been rewarded. Not because markets always go up in the short run — they do not — but because the long-run direction of global equity markets has been upward, and XEQT holds all of it.
Markets are calm. Start building.
Open a commission-free Wealthsimple account and buy XEQT. The 8,400 companies in XEQT have survived every recession, every crisis, and every panic since 2019. They will survive this one too.
Open Wealthsimple → Get $25 Free