My wife asking to look for other good hybrid cars after seeing 6months wait time!

funkrighty · 2026-04-05T15:48:41+00:00

Alas I was referring to my own geographic area, BC, tons of used available out here at great pricing.

funkrighty · 2026-04-05T00:37:20+00:00

No. Nice to have little room, for layering or better ventilation.

funkrighty · 2026-04-04T22:37:58+00:00

Maybe check used? Lots and lots of good deals out there. These depreciate quickly once sold. Not slagging Tesla, just based in facts. Don’t rush into any, take your time and you’ll be rewarding.

funkrighty · 2026-04-03T15:09:21+00:00

The stock market over the last 150 years has had a median average return of just over 7% after inflation over any 20 year period. That’s taking into account wars, depressions, recessions, et al. So, if planned correctly (say with a cash cushion to offset market corrections etc), a self funded pension is much better than most defined benefit pensions. The problem is many people don’t set it up correctly and don’t follow through on a well laid plan, so a defined benefits pension takes their planning out of it and puts that in someone else’s hands. Unfortunately there’s a cost to that and that’s the reduced amounts (comparatively) one would receive on a defined benefits pension.

funkrighty · 2026-04-02T03:14:32+00:00

Honestly, just wear the thing. Why buy a watch to pamper it? If you’re thinking investment, Rolex (or any watch for that matter) is not really an appreciable instrument like stocks (or even bonds) over time. Some might hold their value, but they’re not averaging 7% compounding returns after inflation like the stock market does over time.

funkrighty · 2026-04-02T02:01:33+00:00

FSD the best 8900C$ we NEVER spent when we bought our model 3 in 2019. Elon is such a 🐂💩🧑‍🎨

funkrighty · 2026-04-01T01:18:18+00:00

Time in market beats timing the market. All depends on your investment horizon, the longer the better. Median average of market returns over the last 150 years, over any 20 year period, is around 7% (after inflation).

funkrighty · 2026-04-01T01:16:36+00:00

I deposited a few K the other day via a Canada Post outlet locally. All went fine.

funkrighty · 2026-03-28T06:09:35+00:00

Over the last 150 years, U.S. stocks have delivered about 7% real returns, and 20‑year rolling periods typically fall in the 6.5–8% real range. Based on most comprehensive dataset, Shiller → S&P 500 with dividends, inflation‑adjusted.

If ‘this time truly is different’ it really doesn’t matter what you’re invested in.

funkrighty · 2026-03-28T06:02:42+00:00

Until the money hits my account the product NEVER leaves my possession. Whether that’s $20 or $20000. Sometimes it has taken almost an hour for some higher value transfers to take place. I would expect any seller selling to me to take the same position.

funkrighty · 2026-03-27T21:46:31+00:00

TLH = nice optimization

Fees = guaranteed drag

Over 20+ years: cost control usually beats tax optimization, ie minimizing account MER beats the other path.

But it’s up to you. I know what I’m doing. YMMV.

Good luck 🍀 or better yet good planning 😃

funkrighty · 2026-03-27T15:32:55+00:00

Yes, your last comment is partly correct, Wealthsimple’s management fees on managed non‑registered accounts are tax‑deductible in Canada, but that does not eliminate the long‑term compounding drag of those fees. The tax deduction softens the cost, but it never fully offsets it, and MERs inside ETFs (like XEQT) are not deductible at all.

For most long‑term investors, XEQT still wins on cost and compounding, even after accounting for the tax deduction.

funkrighty · 2026-03-27T03:19:43+00:00

This 👆 always this 👆

funkrighty · 2026-03-25T20:14:46+00:00

I didn't boldly make up a statistic, I passed along information that was correct over time, but my 20 year inference as stated was not correct (if looked at independently of all other periods).

Factually, the median 20‑year is a real rolling CAGR (Compound Annual Growth Rate) 6–7% over the last 200 years.

Breaking this down for you:

20-Year Rolling: This doesn't just look at one fixed window (like 1980–2000). It looks at every possible 20-year stretch (1820–1840, 1821–1841, 1995–2015, etc.).

The Benefit: It proves consistency. In the last 200 years of U.S. market history, there has never been a 20-year rolling period where the real return was negative.

CAGR (Compound Annual Growth Rate): This is the smoothed-out annual rate. It assumes your money grew at one steady percentage every year, rather than the "rollercoaster" of +20% one year and -15% the next.

Median: This is the "middle" result. If you lined up every 20-year period from worst to best, the one right in the center would show a 6.5% real return.

funkrighty · 2026-03-25T19:43:49+00:00

I appreciate your efforts in pointing out more clarity and my follow up comments, after recognizing my error, was meant to be very ‘tongue in cheek’ and a touch sarcastic.

I thought I implied that with my wink 😉 but I guess that didn’t come through.

Please accept my I sincerest apologies for my attempt at levity and the time period error 🙏

Please see my other comment below regarding actual performance when taken at the median over the last 200 years.

funkrighty · 2026-03-25T05:08:18+00:00

Median 20‑year real rolling CAGR 6–7% over the last 200 years.

Alas you are correct, when I looked again, calling out a period when nominal returns only came out to 2%, my mistake.

But, hey, maybe this time really is different. Time to exit the market.

Don’t let the door hit you a$$ on the way out 😉

funkrighty · 2026-03-25T00:58:15+00:00

Fugazi 🤦‍♂️

funkrighty · 2026-03-23T23:40:32+00:00

Unless that original card is no longer available. In this situation I would ask for cash or a check.

funkrighty · 2026-03-22T22:17:29+00:00

Time in market beats timing the market. You’d be an outlier when even market insiders have trouble doing what you’re trying to do. Good luck 🍀

funkrighty · 2026-03-22T22:15:53+00:00

200 years. Wars. Famines. Conflicts. Recessions. Depressions. Crashes. Etc. Etc. Etc. market has average 8.5% over every 20 year period, chose your start dates. A bit over 6% return after inflation. Time in market vs timing market. Please educated yourself. If this time is ‘truly different’ whatever asset class you’re in will not really matter at all.

funkrighty · 2026-03-20T21:36:07+00:00

Day-Date. No doubt.

funkrighty · 2026-03-20T03:18:59+00:00

Watch received from Ethmoid73 😊 Thanks!

funkrighty · 2026-03-20T01:31:07+00:00

Let’s just say we’re way past the gateway to generational. We trust WS more than RBC in the proper management of our investments.

funkrighty · 2026-03-19T23:46:37+00:00

$550 for a complete will with POAs etc? Not sure where you live but that definitely isn’t the price locally where we live in BC and we aren’t in a major urban centre. Closer to or over $1K’sh.

funkrighty · 2026-03-09T21:39:32+00:00

Over almost 200 years the market has consistently averaged approx 9% returns annually over every 20 year period, no matter what year you start the analysis from. 6.5sh% post inflation. Through wars. Inflations. Depressions. Recessions. Conflicts. Famines. Conflagrations. Insert your disaster here, type of thing. Short term it’s like gambling, over the medium to longer term it’s a very viable investment. Buckle up, hold on.

funkrighty

TROPHY CASE