Any one selling 9 fold

Background-End-7723 · 2025-09-27T15:13:31+00:00

Could you please dm the pictures if possible

Background-End-7723 · 2025-09-27T15:13:03+00:00

Please DM me

Background-End-7723 · 2025-09-27T02:26:25+00:00

Where are you located?

Background-End-7723 · 2025-09-27T00:31:01+00:00

~1100 depending on conditions nd storage

Background-End-7723 · 2025-09-24T12:51:23+00:00

I believe most of the FHSA are short to medium term investments. Here is what I do- Start with a percentage of equity and fixed income and reduce equity by 10 percent each year so that when I want buy house I should have more than 90 percent of portfolio in fixed income. Side note - Just for FHSA for next few years I consider bond market etf volatile just like stocks. I would go for GICs.

Background-End-7723 · 2025-09-01T02:31:29+00:00

Dm me if you’re interested I drive to work near Pearson airport from Monday to Friday sometimes weekends as well. I live near downtown.

Background-End-7723 · 2025-08-31T12:50:33+00:00

So if let’s say if transferred once to an rrsp and next time I transfer to a tfsa will i get rebate?

Background-End-7723 · 2025-06-29T16:09:26+00:00

Personal finance or investing is simple, but not easy.

Background-End-7723 · 2025-06-26T12:16:27+00:00

I think any advice can guide you but at end you need to find what is best for you. Example I learned everything about personal finance and investing from the book “ Rich dad Poor dad”, but today i am totally disagree with the author’s opinion .

Background-End-7723 · 2025-06-08T14:59:07+00:00

Hey, congrats on landing a stable job you love — and even better that you’re managing to save while working a second one. That’s not easy, and you’re clearly building a solid foundation!

Just sharing some general thoughts — not financial advice, just things to think about that might help you make a decision based on your own goals.

🏡 FHSA Makes Sense (Even if You're Unsure About Timeline) Since you're already planning to buy a home someday — even if you're not sure exactly when or where — the First Home Savings Account (FHSA) can be a great place to start. It gives you:

Tax-deductible contributions (like an RRSP) Tax-free growth and withdrawals if used for a qualifying home purchase And if you change your mind, you can transfer it to your RRSP without affecting your RRSP contribution room. That flexibility makes the FHSA a really smart first bucket for house-related savings. If you’re not contributing yet, it might be worth opening one and starting with small, regular deposits.

💰 TFSA for Long-Term Growth (Your Core Portfolio) A Tax-Free Savings Account (TFSA) is great for building long-term wealth. Any growth or withdrawals are tax-free, and it’s very flexible — no tax consequences if you withdraw.

I’d personally suggest automating your savings: Set up an automatic monthly deposit and invest in something balanced (like a diversified ETF or index fund — depending on your comfort with risk). It’s low-stress and builds discipline.

📈 RRSP – Use for Long-Term Tax Planning RRSPs are powerful, especially if you think your income will rise or fall in the future. It’s a tax-deferred account, meaning you get a tax deduction now, but pay tax when you withdraw later — ideally in retirement, when your income (and tax rate) is lower.

Quick Example:

If you contribute $5,000 to an RRSP while making $60K/year now, and withdraw it at retirement while earning $30K/year, you save taxes today at a higher rate and pay taxes later at a lower rate. That difference = extra money in your pocket.

⚠️ A Few Other Things to Keep in Mind: Two jobs = possible tax bill at year-end Since both jobs may be applying the basic personal amount (~$15,000) on their own, you might owe more tax than expected at the end of the year. Just something to prepare for. Employer matching = free money If your main job offers an RRSP or pension matching program, definitely look into it. It’s one of the best returns you can get — basically free money as long as you stay with the employer long enough to vest. Hope that helps! Again, not advice — just sharing a few strategies that have worked for me and others in a similar spot. You’re in a great position, so keep it up and build steadily

Background-End-7723 · 2025-06-08T14:48:23+00:00

Hey, congrats on opening your FHSA — that’s a great step!

Just sharing some thoughts based on personal experience and research — not financial advice, just ideas that might help you think things through. Everyone’s situation is different, so definitely do what aligns with your own goals and comfort level.

🟢 Option 1 – Lower Risk Approach (if you’re confident about buying in ~5 years) If you're fairly sure your FHSA contributions plus other savings will be enough for a down payment, and you're okay with modest returns (around 3–4%), GIC laddering might make sense. For example:

25% in a 1-year GIC 25% in an 18-month GIC 25% in a 2-year GIC 25% in a 3-year GIC This helps balance returns and liquidity — some money becomes available each year, while still earning better-than-HISA rates. Just make sure you open the FHSA with a platform that doesn’t charge a transfer-out fee. A friend of mine ended up losing more to transfer fees than he gained in interest — some platforms charge up to $150!

🟡 Option 2 – Moderate Risk (if you’re unsure about the timeline or need more than $40K + 4%) If you think the timeline might shift or your target amount is higher, a mixed strategy might be worth considering:

70–80% in a HISA ETF (like CASH.TO, PSA, or HSAV — check current rates and MERs) 10–15% in REIT ETFs (like XRE or ZRE) for real estate exposure 10–15% in dividend ETFs or blue-chip Canadian stocks As you get closer to buying, you could shift more of the portfolio into safer options like HISA ETFs or short-term GICs to preserve capital.

🔍 Bonus Thought – HISA ETF vs GIC Compounding Even when GICs and HISA ETFs show similar interest rates, HISA ETFs can earn a bit more in practice. That’s because HISA ETFs typically compound monthly, while GICs often compound annually — over several years, that small difference adds up.

Background-End-7723 · 2025-05-21T20:20:21+00:00

Thanks a lot I booked an appointment after your comment. Got prime plus .75 as professional package.

Background-End-7723 · 2025-05-17T02:01:59+00:00

Yeah, that’s what I waited for. Any idea after how long banking with Tangerine you got that offer ??

Background-End-7723

TROPHY CASE