
XEQT vs VFV: Which ETF Should Canadians Buy in 2026?
XEQT vs VFV for Canadian investors in 2026. Which ETF belongs in your TFSA or RRSP, how they differ, and the simple answer for long term investors.
An ex-Microsoft & Meta engineer’s blunt take on Canadian tech, finance, and broken systems.
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XEQT vs VFV for Canadian investors in 2026. Which ETF belongs in your TFSA or RRSP, how they differ, and the simple answer for long term investors.

Once your TFSA is maxed, your next move depends first on your tax bracket, then your home plans, FHSA eligibility, RRSP room, pension, and taxable account needs.

Investing feels scary at first, but beginners do not need predictions, charts, or perfect timing. They need diversification, consistency, and time.
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Bits & Bonds exists because Canadian tech deserves better — and because too many Canadians are being left in the dark about their own money.
I started this site to call out broken tech, outdated systems, and policy decisions that make no sense, while also showing how they could be done better.
I also write about personal finance because I was shocked by how many people don’t know what a TFSA is or how index investing works — basics that can have a massive impact over time.
I’ve spent years in the tech industry, including time at Microsoft and Meta, and I’ve been investing for nearly a decade. This blog is where those experiences meet: practical, opinionated, and very Canadian.
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