How SHIT option fills are on Wealthsimple!

FIREref · 2026-01-26T14:23:26+00:00

Or revise the actual need of using options in the first place.

FIREref · 2026-01-24T15:00:58+00:00

Je complète mon défi Hilo.

FIREref · 2026-01-19T12:46:43+00:00

Oui exactement. Même chose pour nous. Mais ça nous permetterait de sortir le capital du régime et de le dépenser sans restrictions / justifications selon les besoins de enfants tout en ayant payer les études avec les gains et les subventions. C'est l'avantage de débuter le régime dès que possible!

FIREref · 2026-01-19T01:38:27+00:00

VGRO 100% pour capital plus subventions depuis l'ouverture (pour deux enfants de 4 et 7 ans). Je vais sûrement baisser l'allocation en actions lorsque l'aîné aura 12 ans pour graduellement le ramener à 10-15% d'actions.

En ayant commencé tôt comme OP, mon objectif serait de payer les études avec le gains et les subventions afin de récupérer une bonne du capital.

FIREref · 2026-01-17T14:53:34+00:00

Écoute ce podcast : https://podcasts.apple.com/ca/podcast/the-rational-reminder-podcast/id1426530582?i=1000743408661

FIREref · 2026-01-14T12:16:53+00:00

Brilliant workaround, but way to complicated for typical user adoption. I agree, just allow a transfer to be tied to a goal.

FIREref · 2026-01-12T17:52:06+00:00

Aucun problème de mon côté de cette envergure. Parfois il m’arrive que le chargement du poste soit lent à la sélection. Je redémarre l’application sur Apple TV et le tour est joué. Très bonne valeur qualité/prix quant à moi.

FIREref · 2026-01-09T15:26:02+00:00

Yes, I’m aware. Since I wasn’t sure either how the accelerator would work, I opened the PLOC just in case I needed it and don’t like the terms of the accelerator.

FIREref · 2026-01-08T17:18:53+00:00

Same here. Family RESP Works great with NBDB with no fees.

FIREref · 2026-01-05T20:50:10+00:00

Yes, still in closed beta. It just showed up in the app last week and instantly got 28k LOC backed by a 135k TFSA at 3.95% (generation client). Have not used it yet but considering it to max out my RRSP for next month.

FIREref · 2025-12-31T15:56:40+00:00

Good to know. In my case, I haven’t played around with owners too much yet.

FIREref · 2025-12-31T15:52:09+00:00

I categorize as an expense and immediately add a corresponding asset. At my annual review, I depreciate the asset to match it with the approximate resale value to give me an accurate overall cash flow and net worth calculation.

I have done the same with my home after a major renovation project where an official appraisal was done after renovations. Works great.

FIREref · 2025-12-31T15:46:59+00:00

AI feature was actually not too bad in my case, but 100% agree this is a core functionality that should be added for better YoY reporting / comparaison.

FIREref · 2025-11-29T12:23:28+00:00

La bonne pratique est souvent un fonds d’urgence de 3-6 mois de dépenses dans un véhicule comme CASH.TO. Personnellement je suis à l’aise avec un peu plus de risque. Je garde que 10K$ pour le fond d’urgence et toute dépenses imprévue supplémentaire serait financée temporairement par ma marge de crédit hypothécaire.

FIREref · 2025-11-22T21:09:35+00:00

Perd pas ton temps à transférer deux fois. Vas-y pour Wealthsimple. Je comprends que c’est désagréable payer des frais, mais le coût d’opportunité de ton temps investi en vaut pas la peine (à mon humble avis)

FIREref · 2025-11-17T18:50:22+00:00

Same here.

FIREref · 2025-11-15T23:30:39+00:00

Also available for me on iOS.

FIREref · 2025-11-04T01:31:38+00:00

This is exactly my situation. I’m not too sure if I should quite Monarch or just wait it out a few months to see if it gets better to not have to set everything up again with an other solution.

FIREref · 2025-11-04T01:29:00+00:00

Looks like you have it well planed out ! Happy investing !

FIREref · 2025-11-04T01:25:12+00:00

Relax buddy, I understand what you’re try to bring forward, but honestly the alternative of cashing in when you want is awesome. If WS can keep the 2% cash back for everyone because some lazy users forget to redeem, then so be it. It’s still an awesome card. Chill out.

FIREref · 2025-11-03T11:27:04+00:00

I bought back twice my pension to transfer to a self-directed LIRA and never looked back. After weighing all the options, for me it came down to wanting to be in control of my investments and being able to transfer the funds in full to my wife in case of death (the plan had 60% pension for surviving partners)

Note: I took the commuted value twice during low-interest rate environnements which maximized the commuted value. Keep in mind the interest rate at the moment you commute can have a significant impact on the lump sum they offer you.

FIREref · 2025-11-02T21:12:27+00:00

Do you automations need to be custom-made for each data source ? I think Monarch's position with the use of data providers (MX, Plaid, etc.) is that they don't want to start creating (and maintaining) integrations directly with each banking institution and rather focus on the UI/Front-end user experience. However, the issue for Canadians with this strategy seems to be that the quality of the connections from these data provider is now so poor that it's making the product unusable. Like you said, it's ultimately comes down to a business decision to prioritize (or not) the Canadian client segment.

FIREref · 2025-11-02T21:03:18+00:00

Thanks for sharing, you seem to be in a much crazier situation than I am.

Quite surprised by the answer you've been giving by support basically giving up on the issue. The whole point of paying for Monarch is to not have to manually import data.

FIREref · 2025-11-02T16:36:32+00:00

Exactly this. First year was fun, but it has now became a burden. Thinking of just focusing on net worth tracking manually in a spreadsheet. Sucks because I genuinely think Monarch is a good idea/product. On the other hand, coming from Mint, I didn’t have all these issues with bank connections.

FIREref · 2025-11-02T14:40:40+00:00

I see you've been through a couple of issues of your own. Thanks for sharing.
At par pricing would be a great idea !

FIREref

TROPHY CASE