What If I Had Invested $10K in XEQT 5 Years Ago?
Hindsight is fun—and instructive. Let’s look at what a $10,000 investment in XEQT would have done over the past few years, including through a pandemic crash and a bear market.
XEQT’s track record
XEQT launched in August 2019. Since then, investors have experienced:
- The COVID-19 crash (March 2020: ~30% drop)
- A rapid recovery and bull run (2020-2021)
- Rising inflation and a bear market (2022: ~15% decline)
- Recovery and continued growth (2023-2026)
Through all of that turbulence, global markets kept trending upward over the full period.
The lump-sum scenario
If you invested $10,000 in XEQT near its launch in late 2019 and simply held:
- You survived a 30% crash within months of buying
- You watched your investment recover and surpass your original investment
- You collected quarterly dividends along the way
- Your portfolio grew through the recovery period
The exact value depends on your purchase date, but a globally diversified equity portfolio has historically returned 7-10% annually over long periods.
The monthly contribution scenario
What if instead of a lump sum, you invested $200/month in XEQT over 5 years?
- Total invested: $12,000 (60 months x $200)
- You bought more shares when prices were low during the 2020 crash and 2022 dip
- Dollar-cost averaging meant your average purchase price was lower than the current price
- Compound growth on earlier contributions had years to work
This is where the magic of consistency shows up. Buying during downturns—when it feels worst—turns out to be the best thing for your returns.
The cost of waiting
Here’s the flip side. What if you waited “for a better time” and kept that $10K in a savings account?
- A high-interest savings account earning ~3% would have turned $10,000 into roughly $11,600 over 5 years
- Meanwhile, globally diversified equities have historically done significantly better
- You also missed the chance to buy at lower prices during the 2020 crash
Every year you wait has a compounding cost. The earlier you start, the more time your money has to work.
What this means for you right now
You can’t invest in the past. But here’s what you CAN do:
- Start today — Your future self will look back at today’s prices the same way you’re looking at 2019 prices now
- Be consistent — $100, $200, $500/month—whatever you can afford, automate it
- Don’t try to time it — The investors who did best over the last 5 years were the ones who stayed invested through the scary parts
- Think in decades — 5 years is good. 10, 20, 30 years is where XEQT really shines
Run your own scenario
Use the compound interest calculator to project what your XEQT investments could look like in 5, 10, or 20 years from now.
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