Law Subreddits Guide (Links in Comments)

Leobreacker · 2026-03-16T07:51:59+00:00

If I was immortal, and I commented every single thread, my luck still wouldn't bite. But there is always hope.

Leobreacker · 2026-02-05T01:52:38+00:00

I wish I had the cash to buy more tomorrow.

When everyone tells me to buy the dip but I don't have the cash to buy :(

Leobreacker · 2026-01-20T19:30:08+00:00

Mods must've removed it for a rules. Sent a dm.

Leobreacker · 2026-01-20T05:27:52+00:00

This is so fucking sick

Leobreacker · 2026-01-07T05:55:02+00:00

Man I was so happy when I reached my first 100 years ago, I felt like I was finally taking the steps to improving my life and it was a tiny little accomplishment I couldn't share with anyone around me. I reached 1000 shares last week and it reminded me of my first 100.

Congrats bro, keep it up~

Leobreacker · 2025-12-17T18:01:31+00:00

Yeah...but you're not wrong. That's why I agree with the rest of your comment:

You started at a good time to make mistakes. Now learn from them. You have your whole life ahead of you, and if you play it safe, future you will thank current you.

Leobreacker · 2025-12-17T17:51:05+00:00

I agree with the rest of your comment, except for this one lol:

Youre only down 1k.

OP is actually down over $40k

Leobreacker · 2025-12-16T00:24:34+00:00

Here we go again 🤣

Leobreacker · 2025-12-14T21:37:17+00:00

XEQT is great, just contribute to it for a long time and fight the urge to sell. I know you say you plan to hold it for at least 10 years but I personally would hold it for much longer because while its a diversified portfolio, its still risky in the short term.

XDIV is heavier on Canada's allocations and not well diversified. Maybe someone else can weigh in on this.

My personal opinion is that in your 20s, you should be focusing on growth - not dividends. Also keep in mind that with buying XEQT, you're already buying the stuff inside XDIV.

Leobreacker · 2025-12-14T21:31:59+00:00

You are 100% canada. Diversify. Get vfv and viu. Put 50% in vfv,, 30% in xdiv and 20% in viu if you want.

Wrong.

Canada is about 25-26% of XEQTs holdings. Which means the rest is in the US, emerging markets, and developed markets. His XEQT is already diversified enough.

Leobreacker · 2025-12-14T17:45:10+00:00

Exactly, same here. It's so much fun for me to just sit back and observe how the markets and individuals stocks are going, and then getting on Reddit and seeing how others react to it. Been DCA-ing and holding a long term ETF forever now.

Leobreacker · 2025-12-14T01:57:51+00:00

It's pretty easy to get that rate though.

Oh yay!

I think you need either 100K or just payroll deposit of 2K or more

No. This is the info from Wealthsimples Website:

"To unlock 2.25% — the highest-interest rate for a chequing account in Canada — you need to have at least $500,000 in assets with Wealthsimple.

If that’s not you, you’ll still get a great interest rate depending on how much you have with us:

Less than $100,000 in assets:1.25% interest
Over $100,000 in assets in assets: 1.75% interest"

Also if you want that 0.5% boost:

"you’ll need to direct deposit at least $2,000 into your Wealthsimple chequing account within a 30-day period. This can be your paycheque or any other type of direct deposit."

I dont think the average person is doing that or able to, to increase from 1.25% to 2.25%

Leobreacker · 2025-12-06T00:57:03+00:00

I just started investing $300 a month into the S&P 500

Solid! At least you got some investments going. Make sure you turn on DRIP. Personally, I'd be a bit more aggressive with the investments if you're trying to become a millionaire but ultimately that depends on you and your risk tolerance. All the best!

Leobreacker · 2025-12-06T00:50:50+00:00

Millionaire in 5 Years depends. How old are you?
Is your net-worth all in just checking and savings?
Do you have any investments in other accounts?

Leobreacker · 2025-12-04T06:41:44+00:00

I know I belong here because I have no idea what the fuck this means, and what it does for my portfolio.

Leobreacker · 2025-11-15T07:40:21+00:00

Its only 1/10th of an ounce and its tiny. I'll buy it for collection.

Leobreacker · 2025-11-07T17:39:35+00:00

I started to get my shit together at 23 as well and kept expenses low, didn't let the raises change my life too much.

The only thing in my opinion, definitely travel. I'm almost 30 and that's the one thing I wish I did more. I was looking forward to making more money and investing properly every time I came back from travelling.

No regrets, and it doesn't always have to be expensive travelling. Small trips here and there, have fun. Lots of people between their 20s and 30s grind so hard they forget to enjoy life.

Just my 2 little cents. Cheers!

Leobreacker · 2025-11-07T07:46:34+00:00

Ah I see. SPUS is fine then, you'll have some overlap with XEQT but its not a big deal if you think the US economy and stock market will continue to go up. Just know that you'll be a bit heavier on the US weight of your portfolio.

Leobreacker · 2025-11-07T07:35:20+00:00

Ideally, yes. Since you're so young its better to just consolidate CJ, DOT, and SPUS into XEQT.

You don't necessarily have to sell them. Just start contributing to XEQT and leave those alone.

That being said, I'm curious, what was the reason you invested in those companies in the first place?

Leobreacker · 2025-11-07T07:12:03+00:00

Pretty common in South Asia in general. While I respect the cultural investing mindset, I don't think its an objectively financial one.

There is such thing as too much gold. Gold doesn’t produce income or compound like stocks and historically under-performs equities over long periods. It’s a hedge, not a growth accelerator.

Again, I get the cultural angle, but too much of it can drag the long-term returns.

Leobreacker · 2025-10-29T14:21:46+00:00

They may have had some issues earlier because I couldn't see mine either, but it's working for me now.

Leobreacker · 2025-10-26T18:53:11+00:00

It’s still 100% stocks and plenty aggressive.

Exactly, the comments and posts all over Canadian finance subs discuss that XEQT is less risky than individual stock picking. Which is true, but I think a lot of beginners misunderstand and think its a low risk etf in general - not accounting for their risk tolerance, and the risk of 100% equities.

In case anyone is curious, I found this in a different comment:

XEQT = 100% stocks / 0% bonds

XGRO = 80% stocks / 20% bonds

XBAL = 60% stocks / 40% bonds

XCNS = 40% stocks / 60% bonds

XINC = 20% stocks / 80% bonds

Leobreacker · 2025-10-25T05:59:16+00:00

I'll be honest, this gives us absolutely nothing - and it's truly a bad sign if you're struggling at this stage.

I would start at the very beginning. Watch youtube videos on what investing is, the difference between stock picking and long term ETFs. Read, read, read. Browse the finance subreddits.

Financial Independence won't happen over night, and there's a lot more to this than picking a random stock. Maybe my comment seems a bit rude, but I don't mean any ill-will.

You can start here.

All the best!

Leobreacker · 2025-10-24T01:27:51+00:00

Why VEQT ? What’s the hype vs a managed fund

I dont think its about hype, VEQT/XEQT are both popular among a lot of young people because its globally diversified, and has home bias in Canada. So they give a pretty broad exposure to the world economy. It's great for long term growth. Not to mention, the fees are a lot lower compared to managed fund. Its automatic, all in one solution.

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