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REDDIT

One Year Later: Exiting the US into Canada

B
May 13, 2026 · 15:22

One year ago, I posted here about [pulling 300k out of the US and dumped it into Canada](https://www.reddit.com/r/CanadianInvestor/comments/1kwrw3t/pull_out_300k_from_schd_nonregistered/). I had judged the US to be an unstable country, and regardless of returns, I don't invest heavily in unstable countries.

I cut my US exposure from 70% to 10%. From SCHD to VDY.

One year later, here is the performance update (including dividends, adjusted for currency fluctuations):

SCHD: 24.81%
VDY: **52.90%!**

For context, the S&P returned 28%.

**Disclaimer:** I got lucky. Obviously, I had no way of knowing that the US would underperform so horribly compared to the Canada, but I guess it's no surprise that unstable countries perform poorly.

As a added bonus, the sweet Canadian dividends are virtually tax free for me, compared to US dividends and their 15% withholding tax (that the US was threatening to increase to *50%* last year).

So in conclusion, this worked out very well for me!