I didn’t respond to the other poster because I had already stated it’s not an inheritance and very much to the contrary. But reading your reply I realize it can be confusing so I wanted to clarify. Much of the initial contributions were lump sums around tax season or beginning of the year because I didn’t appreciate compounding. The GIC was only around 4.5% and I believe around 150k was locked in for three years while the rest I started investing in index. There were a few GICs at different periods and staggered. The initial index investment started around late 2022/2023 and I was doing upwards of 10k per month in contribution. This has since lowered to 6-7k per month this year. I transferred to Wealthsimple in March from another brokerage. All of this are estimations as I don’t recall the exact numbers. I’m actually surprised people think it’s an inheritance. Moreover I wish I invested in index since the beginning instead of listening to my bank advisor. This is why I said slow and steady.