When is a Good Time to Buy XEQT? The Answer Might Surprise You

One of the most common questions I get from Canadian investors is: “When is a good time to buy XEQT?”

The truth is, trying to time the market is one of the biggest mistakes investors make. Instead of waiting for the “perfect” moment, the best strategy is often to start investing now and use dollar-cost averaging to build wealth over time.

🎁 Get $25 of XEQT for free on Wealthsimple

In this post, we’ll explore why the best time to buy XEQT is often right now, regardless of market conditions, and how dollar-cost averaging can help you build wealth even when markets are hitting all-time highs.

The Market Timing Trap

Many investors fall into the trap of trying to time the market perfectly. They wait for:

But here’s the reality: nobody can consistently predict market movements. Even professional fund managers struggle to beat the market through timing.

Why Market Timing Usually Fails:

The data shows that time in the market beats timing the market almost every time.

Why “Now” is Usually the Best Time to Buy XEQT

1. Markets Trend Upward Over Time

Despite short-term volatility, global stock markets have historically trended upward over long periods. XEQT, with its global diversification, captures this long-term growth.

Historical Context:

2. Dollar-Cost Averaging Works in All Market Conditions

Dollar-cost averaging (DCA) is your secret weapon. By investing regularly regardless of market conditions, you:

3. Compound Growth Starts Immediately

Every day you delay investing is a day of lost compound growth. Even small amounts invested regularly can grow significantly over time due to compounding.

Example: Investing $100/month in XEQT for 30 years at 7% annual returns grows to over $120,000.

Dollar-Cost Averaging: Your Market-Timing Antidote

Dollar-cost averaging is the practice of investing a fixed amount of money at regular intervals, regardless of market conditions. It’s perfect for XEQT investors.

How DCA Works with XEQT:

Month 1: XEQT = $25/share → $100 buys 4 shares
Month 2: XEQT = $30/share → $100 buys 3.33 shares
Month 3: XEQT = $22/share → $100 buys 4.55 shares
Month 4: XEQT = $28/share → $100 buys 3.57 shares

Average cost: $25.25/share (vs. trying to time individual purchases)

Benefits of DCA with XEQT:

✅ Reduces emotional investing
✅ Smooths out market volatility
✅ Builds discipline and consistency
✅ Works in both bull and bear markets
✅ Perfect for beginners

🎁 Get $25 of XEQT for free on Wealthsimple

Why Markets at All-Time Highs Aren’t a Problem

Many investors worry about buying when markets are at all-time highs. But this concern is often misplaced.

Historical Perspective:

XEQT’s Advantage:

XEQT’s global diversification helps protect against regional market peaks:

The Psychology of Investing: Overcoming Fear

Common Fears About Buying XEQT:

“What if I buy at the top?”

“What if there’s a crash?”

“What if I lose money?”

The Solution: Start Small and Stay Consistent

Practical Steps to Start Investing in XEQT

Step 1: Choose Your Platform

🎁 Open a Wealthsimple Trade account and get $25 free

Wealthsimple Trade offers:

Step 2: Set Up Your Account

Step 3: Start Your DCA Strategy

Step 4: Monitor and Adjust

Common Scenarios: When to Buy XEQT

Scenario 1: “I’m waiting for a market crash”

Reality: Market crashes are unpredictable and rare. You might wait years and miss significant gains.

Better approach: Start investing now with DCA. If a crash happens, you’ll be buying more shares at lower prices.

Scenario 2: “Markets are too expensive right now”

Reality: Markets often look expensive in hindsight, but they continue growing.

Better approach: Focus on your long-term goals. XEQT’s diversification helps manage valuation concerns.

Scenario 3: “I’ll wait until I have more money”

Reality: Starting small is better than not starting at all.

Better approach: Begin with what you can afford and increase over time.

Scenario 4: “I need to research more first”

Reality: Analysis paralysis prevents wealth building.

Better approach: Start with a small amount while continuing to learn.

The Power of Starting Early

The Magic of Compound Growth:

Starting at 25 vs. 35:

The difference: Starting 10 years earlier nearly doubles your final wealth!

Why XEQT is Perfect for Long-Term Growth:

Building Your XEQT Investment Strategy

Beginner Strategy (0-2 years investing):

Intermediate Strategy (2-5 years investing):

Advanced Strategy (5+ years investing):

Common Mistakes to Avoid

❌ Mistake 1: Trying to Time the Market

Solution: Use dollar-cost averaging instead

❌ Mistake 2: Stopping During Market Dips

Solution: Remember that dips are buying opportunities

❌ Mistake 3: Investing Money You Need Soon

Solution: Only invest money you won’t need for 5+ years

❌ Mistake 4: Checking Your Portfolio Daily

Solution: Review quarterly or annually

❌ Mistake 5: Comparing to Others

Solution: Focus on your own financial goals

The Bottom Line: Start Today

The best time to buy XEQT is when you’re ready to commit to long-term investing. Here’s why:

✅ Markets trend upward over time
✅ Dollar-cost averaging works in all conditions
✅ Compound growth starts immediately
✅ XEQT’s diversification reduces timing risk
✅ Consistency beats perfection

Your Action Plan:

  1. Open a Wealthsimple Trade account (get $25 free)
  2. Set up automatic investing for XEQT
  3. Start with what you can afford consistently
  4. Increase contributions as your income grows
  5. Stay the course for long-term wealth building

Ready to Start Your XEQT Journey?

🎁 Get $25 of XEQT for free on Wealthsimple

Remember: The best time to plant a tree was 20 years ago. The second best time is now.

The same applies to investing in XEQT. Don’t let market timing fears prevent you from building wealth. Start today, stay consistent, and let time and compound growth work in your favor.

The market will always have reasons to wait. But your future self will thank you for starting today.

Disclosure: This post contains referral links. I may receive compensation if you sign up through these links, but this doesn’t affect my honest assessment. I genuinely believe XEQT is an excellent choice for Canadian investors seeking long-term wealth building.