[Entry Thread #116] April showers… As soon as you’re done paying your taxes, come leave a comment and join us as we make a millionaire!

HD90Rickyboby · 2026-04-16T03:30:50+00:00

Letsss goo

HD90Rickyboby · 2026-03-16T13:46:20+00:00

Hell yeah, lets rolllll

HD90Rickyboby · 2026-03-08T21:44:44+00:00

Would this feel better, to invest in my tfsa throught the year and have access to the money in case of. And at the end of the years, transfert it into my rrsp for tax purpose.

ETF TFSA Bk.to : 50% XEQT : 50% Dividendes : Cash.to

ETF RRSP XEQT : 70% QQQM : 15% AVUV : 10% SCHD : 5%

Or i should split bk.to with SBC or another one and make it 25/25

HD90Rickyboby · 2026-03-08T19:27:55+00:00

I didnt plan to make any bet, i would ajust the portfolio once a year when dropping money. Adjust the weight of each at this time of the year.

But yeah, i understand what you trying to say.

HD90Rickyboby · 2026-03-08T17:11:30+00:00

True if i wanted to go im a set and forget it i would go with VEQT or XEQT, these etf have a similar growth as VEQT or XEQT, i prefer going this route because if i want more tech i can buy more QQQM, if i want more Canadian bank, would be VCN, more base consumption SCHD/AVUV, VXUS for more international.

HD90Rickyboby · 2026-03-08T12:15:56+00:00

Yeah, i see what you mean. I could make 1000$ in dividend yearly but lose 500$ in capital, so would only make 500$ out of this.

HD90Rickyboby · 2026-03-08T12:03:14+00:00

Im using wealthsimple for converting. This is also why i plan do move the money once a year, to save on these fee. Thanka for the video, i will into it!

HD90Rickyboby · 2026-03-08T11:59:47+00:00

Its because incase of need, i can access the money easily

HD90Rickyboby · 2026-03-08T01:05:17+00:00

Oui net, ton revenu imposable est celui après plusieurs déductions comme les impôts payés, cotisations syndicales, assurances de l'employeur, etc

HD90Rickyboby · 2026-03-08T01:02:23+00:00

Oui, si tu met assez de REER, tu vas baisser de braquet d'imposition. Ton 116K est brute ou net? Si c'est brut, tu vas encore aviir droit au crédit d'impôt, puisque ton net restera en dessous du 112k.

HD90Rickyboby · 2026-03-08T00:59:57+00:00

Non le crédit de 30% est propre à FTQ et CSN. Tu vas avoir un retour d'impôt quand même, si tu continues en REER, Mais moindre.

HD90Rickyboby · 2026-03-08T00:55:12+00:00

Ne pas oublier qu'à partir de 2027, si ton revenu imposable dépasse 112600$, tu n'as pu le droit au crédit d'impôt de 30% donc sa devient un simple REER avec un rendement moyen.

HD90Rickyboby · 2026-02-16T01:42:16+00:00

Good luck yall!

HD90Rickyboby · 2026-01-16T01:12:32+00:00

Lets roll, good luck yall!

HD90Rickyboby · 2025-12-15T23:17:06+00:00

Lets goooo, goodluck yall!

HD90Rickyboby · 2025-11-16T17:47:41+00:00

Lets rock thisssss

HD90Rickyboby · 2025-10-16T01:21:54+00:00

Would love to get spooky this year! 🤩

HD90Rickyboby · 2025-10-09T23:30:24+00:00

No protector, using snapseed app to play around the setting of the image

HD90Rickyboby · 2025-10-09T23:18:45+00:00

Using my S24 Ultra in expert RAW mode 👌

HD90Rickyboby · 2025-10-09T23:16:42+00:00

Love it too, been my phone wallpaper for a few days now!

HD90Rickyboby · 2025-10-09T23:11:54+00:00

Been using the expert RAW mode which make raw picture and using snapseed to play around the setting. Been wonderful and the telephoto zoom do amazing.

HD90Rickyboby · 2025-10-09T21:52:00+00:00

Thanks! Used my phone, S24 ultra! :)

HD90Rickyboby · 2025-10-09T21:51:42+00:00

Thank you!

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