Buy-and-Hold Indexing
Educational only — not financial advice. Updated 2025-11-12
Simple portfolio rules + low cost + time.
What Buy-and-Hold Really Means
Own broad, low-cost funds for decades and focus on allocation, savings, fees, and behaviour.
Four Drivers of Long-Term Results
| Driver | Action |
|---|---|
| Market returns | Diversify globally |
| Costs | Use low MER ETFs |
| Taxes | Prefer registered accounts |
| Behaviour | Automate; rebalance |
Case Study (Illustrative)
| Plan | MER | Ending Value* |
|---|---|---|
| Low-fee | 0.20% | $773,000 |
| High-fee | 1.80% | $625,000 |
*Starting $50k + $6k/yr, 20 yrs.