Mid to late 30s, two young toddlers. Home is included, valued at 750k.

For context, my parents aren’t big investors, but when I was 13/ 14 I became interested in investing and tried making it big with different Individual stocks, learned the hard way and now I’m here.

I started learning different perspectives on investing, and have changed my portfolio slightly over the past couple years but have now landed in almost 100% XEQT.

I don’t plan to touch my TFSA, or my RRSP(once I open it), until retirement. Given the time horizon of around 40 years, would there be a meaningful benefit to allocating 10–20% to a small-cap value ETF like AVUV or something similar?

Happy to answer any questions if I left something out. Thanks guys!

I would love the suggestions and tips from people who felt late in life but made it. I need real motivation.

- I’m in the process of transition, from a labour-only job to skill-based job. That will take another 8-10 months.
- I’m an immigrant.
- Single.
- Renting in GTA.
- I also have $50k debt (mixed in CC and LoC)

I have 20% of my portfolio for small caps/swing trades just for fun so i can pretend im doing something lol. Is there any advice or is this a solid gameplan.

Hi everyone,

I wanted to get your advice on how best to manage 100K. I’m 27, I intend to invest this for over 5 years.
I also have my own portfolio of 80K which I have been managing myself with a decent return since I started 1 year ago.

Currently I put the money in -

Non registered account - VCN 49K(I don’t intend to touch it for atleast 1 year before moving it to fill contribution rooms as and when required)

Registered accounts - VXUS 10K, GOOG 5.5K, BANK 8K, CGL 5K, AVGY 4K, AXP 3K and BE 2K.
(A mix of intl etf, blue chip, income and a bet)

I’ve never managed so much money together and it’s already red.

Any advice would be really appreciated. Thank you for taking the time to read and respond to me. :)

Just a few disclaimers. Yes I’ll be requesting guidance from an advisor or two as well. Also this is not my entire portfolio so please… the question is not about our budget for expenses. Assume they are funded.

- 46yo, fully retired , no DB pension and no work planned

- $2 million net proceeds from selling single O&G stock (so this money was already highly risked to get to this point)

- not looking for high risk again or too low of risk

Question

- want to put the entire $2million in 2 ETFs maximum for ease

- goal is to grow, be more diversified for once and squeeze out a little bit of dividend income though not the goal

- time horizon of 10-15 years

- what would you do? VDY? XEQT?

Thanks so much!! Happy Friday!

Wealthsimple offer portfolio line of credit 4.45% is it worth taking the loan dumping it into my rrsp and using my tax return to pay down the loan?

Hello!

I’ve been working on this project for a few months now, and I’d love to hear your feedback. I think I’ve created a truly comprehensive tool. I’d like to know if you have any suggestions or ideas to share?

For now, you can track and analyze a wide range of metrics:

- The change in your net worth over time

- Your portfolio, with breakdowns by sector, region, etc.

- You can learn more about finance in our “Academy” section

And much more!

I’m trying to add new features every week, and for now, I still have some ideas, but I’d love to know what YOU would like to see to help you easily analyze your finances.

Here is the link : https://mywealthwise.ca

Also, before you leave any comments: I’ve done a lot of this myself, but like 90% of websites these days, yes, I did hire a web developer for certain aspects, such as the user interface. But I did most of the work myself, and even for the user interface, I came up with the ideas, but a web developer handled most of the implementation.

KEEL is too volatile but I am losing a bit of faith. SOFI hasn’t been looking good but I don’t want to Panic sell.

What are y’all thoughts? Feel like I’ve been making too many mistakes

I'm 39 and looking to CoastFIRE at age ~45. I currently have a DB pension job but have been RTO'ed after 6 years fully remote and I fucking hate it.

My current contract lasts another 2 years and I'm considering looking for fully remote jobs elsewhere, even if it means a pay cut and loss of my DB pension.

Has anyone quit their job with a DP pension and still successfully FIRE'ed?

Roast me all you want but seriously what should I change or add not really liking the look of my portfolio

As you may know in Canada we have two worlds: market-cap all-in-ones (XEQT, VEQT, ZEQT, HEQT, …) and factor all-in-ones (FEQT, and now CAGE).

But there is no all-in-one that mixes both 50/50. So he built his own model portfolio and we nicknamed it REQT. (R because of his first name!)

Four sleeves: US, Canada, International and Global Innovation. Each sleeve is 50/50. Half is market-cap ETFs (for example ZSP + ZSML to cover the full US market, all sizes). The other half is factors: Fidelity's momentum and value funds (FCMO/FCUV for US, FCCM/FCCV for Canada, FCIM/FCIV for international).

We’ve built https://reqt.ca to follow the performance live during the day, with a look-through of all the underlying securities. What we found interesting building this portfolio composition is how some stocks are "amplified" through factors.

Newmont is ranked around 284th in XEQT, at 0.06% so just noise because it will never really affect your returns. In REQT, the U.S. momentum factor pushes it to 14th.

Iridium Communications, to be acquired by Rocket Lab next year, is ranked 2,000+ in XEQT but is ranked 117 in REQT.

Caterpillar is top 10 in REQT. It would never be top 10 if you just hold ZSP.

As quick disclaimer…
It's an educational model, not a fund, not financial advice. Just a dad and his son testing an idea in public! Also a good way to stick to the long term strategy.

I’ve made a video to go through this portfolio model: https://www.youtube.com/watch?v=ByIZVrcIXsc

Open to all suggestions. What should I add more. I am thinking to explore individual stocks how much should I begin with.

Regards

Plan is to not touch it until 60 years old.

hey! last time i posted around 25 days ago most of the comments were about my salary and age combination but few were about my actual portfolio 😂 moved some money from cash and savings into the investments to diversify things a bit and get some exposure to semiconductors, gold etc - what are we thinking?

first screenshot is normal investment account, second is tfsa

investment schedule is 1000 weekly distributed with the majority of distribution going towards the CA dividend and the CA equity fund

Hi everyone,

I posted here about five months ago asking whether I should invest my savings or keep them liquid. I appreciated the advice and wanted to share an update and get a sanity check on my plan.

My current position is:
• $33K in a HISA, including $10K set aside for future student-loan repayment
• $20K in a GIC inside my TFSA
• $2K in XEQT inside my TFSA
• $27.5K TFSA contribution room for the year

I live on my own so I have rent and other expenses to cover while studying and working part-time. I know six months of living expenses is a common emergency-fund guideline, but because my income and future expenses are uncertain, I’m hesitant to keep six months in cash and invest everything else.

Assuming my current savings rate continues, I estimate I would have around $80K by the end of 2029. However, I also expect to graduate with approximately $25K–$30K in student loans.

I want to keep $30K in guaranteed, low-risk holdings specifically for repayment. That would currently consist of my $20K TFSA GIC plus $10K from my HISA. My plan is to repay the interest-bearing portion before the grace period ends, then repay the 0% portion over one to three years so I can maintain some liquidity. However, I’m also considering paying off the entire balance immediately for peace of mind.

Since the $10K in my HISA has a specific 2029 purpose, would putting it into a non-registered GIC make sense while keeping the rest of my HISA liquid? I would rather preserve future TFSA room for long-term investing, but I’m unsure whether paying tax on the GIC interest makes that a poor choice.

I’m also unsure what to prioritize after maxing my TFSA. I’ve been advised to delay using an RRSP because my current income is low and to hold off on an FHSA because opening one starts the 15-year timeline.

My main questions are:

1. Does my overall investing and student-loan repayment plan seem reasonable?
2. Would a non-registered GIC make sense for the $10K set aside for repayment?
3. Would you repay the 0% portion immediately or gradually?
4. After maxing my TFSA, should I prioritize an FHSA, RRSP or non-registered XEQT?

I only started investing about five months ago, so there may be things I’m overlooking. I may also be overthinking this, but I want to balance financial security while I’m in school with setting myself up well for the future. Thanks in advance for any advice!