Long time lurker, first time poster. As the title says. From reading this sub listening to relevant podcasts, the answer ultimately comes down to the cost-benefit analysis of managing a portfolio and doing the rebalancing regularly vs. buying it and forgetting about it. Still, other than purely the cost difference between MERs of the two approaches, could there be other gotchas that affect the long-term performance?

Our situation: married in our late 20s, and we are fortunate enough to have an almost 100k portfolio between our TFSAs and RRSPs. Assuming we switch from XEQT to XUU/XEF/XEC/XIC, a 100k portfolio yields about $90 saving in MER per year. I consider myself financially literate and enjoy looking at our finances and keeping up with what's going on out there in the world on a regular basis.

Any recommendations/thoughts are welcome, and Happy New Year everyone! Thanks in advance.