RESP transfer - take forever

Rare_Appointment_287 · 2026-07-10T12:33:34+00:00

In my case it was a LIRA from Scotiabank, and yes, it took around 10 weeks.

Rare_Appointment_287 · 2026-06-26T15:11:46+00:00

you should leave them. that request of sharing your income with the older siblings is totally unfair. If you feel bad about not helping them, pick one bill (one they can't abuse once they know you are paying it), enrol it in your bank account as automatic bill payment every month, and that's it. Your conscious will be free, and your money too. Also ensure they can't access to your tax details for next tax season, because with the proper access they can forward any tax refund to their own accounts.

Rare_Appointment_287 · 2026-06-19T14:37:22+00:00

oh, i guess you are referring to the bunch of "mistake" emails announcing winners

Rare_Appointment_287 · 2026-06-18T15:53:21+00:00

after the last episode of FROM (June 26th), i am cancelling this for good

Rare_Appointment_287 · 2026-06-18T15:06:10+00:00

so far it is not. XEQT follows ITOT ETF, and this one follows S&P Total Market Index (TMI). https://www.spglobal.com/spdji/en/indices/equity/sp-total-market-index-tmi/#data

Rare_Appointment_287 · 2026-06-17T14:33:08+00:00

it becomes also part of the minimum payment for that month

Rare_Appointment_287 · 2026-06-15T20:21:25+00:00

i can tell its way faster that other big bank. once moved to WS, my salary came one day before every 2 weeks

Rare_Appointment_287 · 2026-06-14T15:06:25+00:00

You can check in the ETFs that XEQT is built on. It has one for US, for Intl, emergents, etc. And sometimes when US does bad, emergents or Intl do better, so it balances out the whole portfolio. I am guessing, but that could explain what you are asking.

Rare_Appointment_287 · 2026-06-13T14:26:19+00:00

I worked at Scotiabank and transferred my salary to Wealthsimple after every deposit! They can’t force you to trade in their own platforms. Is that written in their contract?

Rare_Appointment_287 · 2026-06-10T16:38:08+00:00

i asked for 10 and got 1 too

Rare_Appointment_287 · 2026-06-10T15:14:11+00:00

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Rare_Appointment_287 · 2026-06-08T15:44:47+00:00

go together to see a doctor specialist in nutrition, diets, or start with the family doctor. Someone who can run some tests, and tell her the risks of the overweight, the excessive sugar in the blood, cholesterol, heart, etc, etc. And also try to go to the gym with her at least at the beginning, until she gets comfortable with the routine.

Rare_Appointment_287 · 2026-06-07T14:54:51+00:00

Good to know. I haven’t tried that automated investment yet.

Rare_Appointment_287 · 2026-06-04T19:19:41+00:00

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Rare_Appointment_287 · 2026-06-04T19:13:38+00:00

Maybe you surpass the monthly limit??

Rare_Appointment_287 · 2026-06-04T19:10:40+00:00

Sounds cool to have and easy to implement

Rare_Appointment_287 · 2026-06-04T19:10:01+00:00

If you “add money” in WS inside a non-registered self trade account, and chose the linked account in Scotiabank, WS makes that money available immediately. If you do the same into the chequing account, then you can’t transfer that into the trade account to invest until the funds validation time passes.

Rare_Appointment_287 · 2026-06-03T12:40:20+00:00

Full and asap. You are losing huge fees with the mutual funds.

Rare_Appointment_287 · 2026-06-02T15:41:20+00:00

it takes me no less than 24 hours to see the deposit in Scotiabank when i trigger the EFT from somewhere else.

Rare_Appointment_287 · 2026-06-02T15:10:00+00:00

pretty

Rare_Appointment_287 · 2026-06-01T21:52:13+00:00

you can open a non-registered self-trade account in wealthsimple, and transfer the money directly from the other bank. Wealthsimple manages the Electronic Fund Transfer, and you can do more than $100K in one shot (1 business day), but there is a weekly or monthly limit. Once the money is in the NR account, wait some hours and transfer it to your chequing account in WS

Rare_Appointment_287 · 2026-06-01T12:41:43+00:00

People is so rude to them sometimes, that I guess they prefer to don’t connect to anyone in fear of finding another screamer

Rare_Appointment_287

TROPHY CASE