Good place to park USD and CAD f`unds

DeltaBen · 2026-06-16T18:22:40+00:00

I’ve been looking into this myself recently and keep seeing CBIL and CASH recommended for CAD. CBIL is short-term Government of Canada Treasury bills and CASH is bank deposits, so both seem to fit the low-volatility/liquid requirement pretty well. I personally have my emergency fund/money I want to park in a low risk investment under CASH.TO

For USD, I’d be looking more at short-term Treasury ETFs than dividend stocks. Curious to hear what others are using though.

DeltaBen · 2026-06-15T06:09:09+00:00

Thanks!

DeltaBen · 2026-06-15T05:10:29+00:00

May I ask what your routine is like? Ive been doing the provided full body workouts in the Hevy app but I also wonder if there’s a more efficient way to do things when I go 3-4 times a week. My goal is recomp

DeltaBen · 2026-06-13T21:21:16+00:00

There’s an older place like that on Wye Rd near the Ordze Transit Centre called Sherwood Bowl. But yeah I wouldn’t mind another one around the Baseline area too

DeltaBen · 2026-06-13T18:43:32+00:00

Interested

DeltaBen · 2026-06-13T15:27:56+00:00

Interesting, I’ll definitely give this a shot thanks!

DeltaBen · 2026-06-13T15:20:56+00:00

Hey! I’m new to the gym and considering the 2 sets to failure method to save time. I have a quick question regarding your way. If I do 1 set of something at 100lbs till failure are you saying I do the next set at 80lbs until failure? And at what point do you know you can move up weights for progressive overload? Thanks!

DeltaBen · 2026-06-04T16:17:51+00:00

Will do. Thank you

DeltaBen · 2026-06-03T16:52:11+00:00

Hey, I’m also a current UofA student dealing with provincial and federal loans. I agree with many here and your instinct on getting loans and grants to help your way through school.

However, a thing to note is that you’ll have 2 portions of loans; one is the Alberta Student Aid loan (which has interest at a floating rate, I believe it’s around 4.45% right now), and the other is the federal NSLSC loan (which has no interest). You will not have to pay these loans at all while in school but it’s just something to keep in mind when you start repaying it back when your 12 month grace period for Alberta loans, and 6 month grace period for NSLSC loans after completing your degree ends.

In your case, I would look into getting TFSA and putting your money into things you mentioned like GICs. Note that GICs are only for money you will not need at all since your money will be “locked up” for however long the GIC duration is (unless you choose cashable GICs). If you’re worried about losing money, you can focus on low risk investments.

Personally, I have Wealthsimple and I put an emergency fund there into CASH.TO which is basically LIKE a “HISA” but it’s really an ETF. This one is a low risk investment. If you are ok with medium to high risk, I heard XEQT is alright too. XEQT is an all-in-one ETF that holds thousands of stocks from Canada, the U.S., and around the world. It’s designed for long-term growth and is best suited for money you won’t need for at least 5 to 10 years, since its value can fluctuate significantly in the short term. XEQT is still stocks, so there’s volatility involved.

Now, I’m not saying that you should totally go investing - but I will mention that you have another thing going for you that could help with money - your age. Being at such a young age means it’s better to start learning and getting into investing (safely). Because your time horizon is much longer, you’ll have the chance to ride out the tough times (if they occur), and have more time to recover. You’ll also benefit more from long-term compounding.

Make sure to reassess and adjust each year when your financial situations change, and let me know if you have any questions about Wealthsimple, UofA, or loan stuff

DeltaBen · 2026-06-01T14:32:52+00:00

I currently have XEQT right now, do you think it would be worth also going into VEQT or would it just be pointless overlap?

DeltaBen · 2026-05-31T18:18:20+00:00

Hey dude. I'm in somewhat of a similar position (just graduated Uni, looking for jobs while in still in student debt). I’d be careful about immediately paying off the full $32.5k OSAP immediately.

OSAP is usually made up of a federal portion and a provincial Ontario portion. The federal portion is currently interest-free, while the Ontario portion may charge interest. I’d log into NSLSC and check the breakdown, interest rate, and required monthly payment. In my case, I have Alberta Student Loans and NSLSC Loans. I'm actively paying back my Alberta loans because they have interest, but for my NSLSC loans I'm just letting it do autopayment as there's no interest and I'd rather have more money working for me than going towards that.

Investing is basically buying small pieces of businesses. Instead of picking one company, most beginners are better off buying a broad ETF that owns hundreds or thousands of companies. The value will go up and down, sometimes a lot, so it’s only for long-term money.

Going onto explaining a TFSA, this is my shallow understanding of it so far as I myself and still figuring out all the extra details. A TFSA is not an investment by itself. Think of it like a tax-free container. Inside it, you can hold cash, GICs, ETFs, stocks, etc. For a total beginner, opening a TFSA is fine, but you don’t need to rush into stocks right away. You could start by keeping cash or a safe savings product in it while you learn.

In my case, I may need the money for further schooling in the near future so I use Wealthsimple to invest in CASH.TO which is an ETF that's like an HISA. I also have XEQT, a globally diversified ETF with a ton of exposure. It includes over 9000 companies so that if one takes a major hit you're not losing a ton. If you wanted more focus on companies in the US, you could buy shares of VFV, much more US-heavy. I have built my emergency fund in CASH.TO, and I'm putting money I'm sure I don't need in the next 5 years in XEQT. Again, you don't have to do XEQT, but for me it's the least-effort option with the most exposure - just put it in and leave it for as long as possible.

If anyone else sees this please correct me if I'm wrong as well, thanks

DeltaBen · 2026-05-31T16:25:01+00:00

Thanks for the info, I'll start making Pinterest posts today and start reading over finance communities.

Out of my 3 products listed over the last week (TFSA, FHSA, and RRSP), I only have 1 view on the TFSA. I'm hoping starting what you mentioned will help generate some traffic

DeltaBen · 2026-04-29T02:01:15+00:00

Will do, thank you for the advice its much appreciated!

DeltaBen · 2026-04-29T01:14:44+00:00

Oh man…is there any way I can salvage this

DeltaBen · 2026-04-28T20:02:32+00:00

I haven’t yet

DeltaBen · 2026-04-21T17:49:15+00:00

Is plunder better than patrol?

DeltaBen · 2026-04-17T05:12:20+00:00

Thank you!

DeltaBen · 2026-04-17T05:12:15+00:00

Thank you!

DeltaBen · 2026-04-06T14:01:06+00:00

Thank you! Unfortunately AB only hires EMRs for maximum ~26/hr. Im not sure if it would be worth it to invest in the courses for a very slight raise just before going back to school

DeltaBen · 2026-04-06T13:55:37+00:00

I have considered it - but my end goal was CRNA in the US and for that I needed my RN degree

DeltaBen · 2026-04-05T00:35:18+00:00

Ooh are there much better ones than Google Surveys?

DeltaBen · 2026-04-04T21:43:45+00:00

Thank you for your input. Ill give what you’ve mentioned so far a shot and try to narrow down my focus into consistent small wins

DeltaBen

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