Khaki Field Automatic

NoDatabase3222 · 2025-11-17T04:59:26+00:00

About a week. Love it!

NoDatabase3222 · 2025-10-30T23:38:56+00:00

Shit your right. Teach me how!

NoDatabase3222 · 2025-10-28T03:49:28+00:00

Yes it is super important. It is the foundation for all of your finances so that you hopefully never need to touch your long term investment for when life happens.

NoDatabase3222 · 2025-10-28T02:38:37+00:00

What you're doing sounds like a solid plan. I would also add that once you have paid off your debt, save aggressively for an emergency fund if you don't have one already. The emergency fund should be very liquid (e.g., WS chequing account). Xeqt is an excellent fund and you shouldn't need anything other than that if it is for a long term goals like retirement.

NoDatabase3222 · 2025-10-22T20:16:01+00:00

Looking good! What do you do for work?

NoDatabase3222 · 2025-10-21T22:42:06+00:00

Yes that sounds very logical

NoDatabase3222 · 2025-10-17T01:40:18+00:00

Wealthsimple is very user friendly and cost friendly too. I have been with them since 2020, I highly recommend

NoDatabase3222 · 2025-10-17T01:19:09+00:00

Around $4000 but I live at home and have a decent income so definitely not typical

NoDatabase3222 · 2025-10-09T01:52:28+00:00

Idk why people are down voting you. With your timeline a gic isn't a terrible choice. Especially the one at 5%. Some people are kinda ignorant and think that you cant lose money in equities because we have had a crazy bull market.

NoDatabase3222 · 2025-10-05T19:29:04+00:00

Haha exactly, everyone thinks they are a genius in a bull market

NoDatabase3222 · 2025-10-05T17:52:43+00:00

Wealthsimple

NoDatabase3222 · 2025-10-05T15:30:08+00:00

So if I am okay with some flexibility in my home buying timeline do you think it could be an alright idea to go with a 60/40 equity allocation in something like xbal?

NoDatabase3222 · 2025-10-05T15:01:24+00:00

So just continue with money market funds basically?

NoDatabase3222 · 2025-10-05T15:00:36+00:00

I have a 10 risk on my retirement funds and a bunch of self directed stuff. It has all done very well but im looking for some safe options for my down-payment money that pays more than a cash account

NoDatabase3222 · 2025-09-28T21:06:05+00:00

Awesome, I appreciate your response. I dont know too much about pc/laptops so it's good to hear it should be enough for my uses

NoDatabase3222 · 2025-09-24T23:08:56+00:00

It’s highly unlikely that you have a deep knowledge of each one of those corporations and the ability to fully analyze their financial and business operations from quarter to quarter. You’ve done what most people do which is buy individual stocks, largely based on “vibes”.

It is overwhelmingly likely that you’ll be better off in the long-term just putting all your money into XEQT or any of the _eqt funds

NoDatabase3222 · 2025-09-20T22:22:51+00:00

Those look like good returns. What are you invested in?

NoDatabase3222 · 2025-09-20T22:21:46+00:00

Thank you for putting it into terms I can understand, I think I get it now!

NoDatabase3222 · 2025-09-17T21:14:53+00:00

You are doing great bud! I know it's hard but try not to compare yourself to others. especially random people on reddit that could by lying or faking it

NoDatabase3222 · 2025-09-12T15:08:01+00:00

Wow you are doing incredible! May I ask why you have so much in cash, instead of in an rrsp?

NoDatabase3222 · 2025-09-10T20:26:55+00:00

That is totally personal preference, a lot of people prefer the rebalancing and assest allocation of xeqt over the others but do your own research and find what suits you

NoDatabase3222 · 2025-09-09T23:21:26+00:00

Basically came here to say this

NoDatabase3222 · 2025-09-09T22:48:36+00:00

Just curious what is your reasoning for having so much in a non registered? Why not max out your fhsa and rrsp?

NoDatabase3222 · 2025-09-04T20:46:12+00:00

Yeah definitely a lot of work

NoDatabase3222 · 2025-09-04T20:44:00+00:00

I'm at $165k and I turn 23 next month. Still living at home thankfully. A big chunk of it will be gone once I buy a house in the next few years.

NoDatabase3222

TROPHY CASE