3 ETFs i'd Buy (if i was 18)

If I was 18 again, you're the only 3 ETFs I'd buy. This is coming from a 25-year-old analyst, CFA level 1 passed, working in finance. So don't forget to follow. First is XEQT. This is your foundation, 8000+ companies, diversified. One ETF, 9000 companies of every major economy in the world. You've got Canada, the US, Europe, you're covered and you're super diversified. At 18, your biggest asset is time. XEQT takes that time and lets it compound across the entire global market. MER is only 0.20%, which is pretty much free. Number two is VFV. This tracks the S&P 500, which is a basket of the 500 biggest companies in the United States. Apple, Microsoft, Nvidia, are just a few examples. The US market has averaged around 10% for a year for decades. So if you put money in there as soon as you're 18, you will retire a millionaire. Number three is QQQM. This is where you add some aggressive portfolio. It tracks the Nasdaq 100, which is the biggest tech companies on the planet. If you held this for the last five years, you would have doubled your money. At 18, you can stomach that volatility because if there's ever a crash that happens, you have a lot more time to recover and invest.