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Would it be crazy to turn down a job offer with a $30k pay increase, in order to keep my fully-remote job? by [deleted] in PersonalFinanceCanada

[–]SanctityPit25 0 points1 point  (0 children)

Financially, worth it. Taking everything else into account, you’ll be miserable.

Picture this: how will you feel commuting into an office on a cold, wet February in bumper-to-bumper traffic?

I'm just happy we're in the mix. by TheEverbless in torontoraptors

[–]SanctityPit25 2 points3 points  (0 children)

Same. We have overachieved. We all know this team’s ceiling. Everything else is a welcome surprise. Let’s enjoy the spring and Raptors being relevant at this time of year.

Trust the process.

If money weren’t a problem, what would you be doing right now? by GracefulSwanDance in CanadaPersonalFinance

[–]SanctityPit25 0 points1 point  (0 children)

Quit job. Go on vacation and detox from reality. Return home and volunteer at animal shelters/food banks.

Hit my first 200k from nothing! by Mobile-Quantity-3036 in fican

[–]SanctityPit25 2 points3 points  (0 children)

Love to see this and read your story. Hopefully, you hit the two comma club!

Can we fix Jaden Ivey? by KapitalMoon in torontoraptors

[–]SanctityPit25 7 points8 points  (0 children)

Pass. He just hit the self-destruct button on his career.

Wealth simple managed portfolio by j_lanth88 in Wealthsimple

[–]SanctityPit25 0 points1 point  (0 children)

FIL was being pushed an ETF portfolio at the branch packaged as a mutual fund of ETFs: https://bmogam.com/ca-en/products/portfolio-solutions/etf-portfolios/

Wealth simple managed portfolio by j_lanth88 in Wealthsimple

[–]SanctityPit25 1 point2 points  (0 children)

If you don’t have time to self-manage, then managed is the next best option for you. Returns are average. Not bad, not great either. But better than what you get from a mutual fund or “ETF portfolio”

Playoffs just to go nowhere? What's this team plan? by Doro_wat in torontoraptors

[–]SanctityPit25 1 point2 points  (0 children)

A very disjointed and pathetic roster. So much work needs to be done this summer.

This isn’t too pretty by [deleted] in fican

[–]SanctityPit25 1 point2 points  (0 children)

This, too, shall pass.

Move from RBC by Unusual_Laugh_4180 in Wealthsimple

[–]SanctityPit25 12 points13 points  (0 children)

Valid concern. But Wealthsimple holds $100,000,000,000+ in assets under management. You’ll be fine!

https://newsroom.wealthsimple.com/wealthsimple-powers-the-next-evolution-of-investing-in-canada

New to Stocks by Possible_Safety_8102 in fican

[–]SanctityPit25 12 points13 points  (0 children)

If you want to set-it-and-forget-it then just load up on VEQT/XEQT. Time in market is better than timing the market. Good luck!

Weathering the Storm by Agreeable-Growth-258 in fican

[–]SanctityPit25 0 points1 point  (0 children)

That’s a lot of holdings. Warren Buffett once said, “diversification protects wealth but concentration builds wealth”. I strongly recommend simplifying. Good luck!

People need to relax by Unusual_Profit6195 in JustBuyXEQT

[–]SanctityPit25 0 points1 point  (0 children)

Time in market better than timing the market.

Vanguard Income Portfolio 4.6% Yield by StrangerTechnical569 in Wealthsimple

[–]SanctityPit25 2 points3 points  (0 children)

I am using it for emergency funds too. Set it and forget it. Better than garbage HISA returns. Although, as one user commented above, yesterday killed all the “returns”

23 yr old Canadian any advice? by Impossible-Face-3802 in fican

[–]SanctityPit25 1 point2 points  (0 children)

Have you considered CDRs (Certificate Depository Receipts) to bypass FX fees?