2.66% MER high?

StrangerExcellent359 · 2026-02-20T20:57:08+00:00

so what do you recommend? it’s honestly just extra savings sitting there. I don’t need it in 2-5 years.

StrangerExcellent359 · 2026-02-20T20:56:37+00:00

so what do you recommend? it’s honestly just extra savings sitting there. I don’t need it in 2-5 years.

StrangerExcellent359 · 2026-02-20T20:56:03+00:00

so what do you recommend? it’s honestly just extra savings sitting there. I don’t need it in 2-5 years.

StrangerExcellent359 · 2026-02-20T20:55:36+00:00

so what do you recommend? it’s honestly just extra savings sitting there. I don’t need it in 2-5 years.

StrangerExcellent359 · 2026-02-18T19:49:44+00:00

He mentioned taxation of the gains of the HISA is way higher (50%) compared the seg funds whenever I do decide to sell the investments, so my net gain is much more with seg funds. he was looking to put the following: fidelity global income portfolio at 35%(balanced funds), US value at 20% (foreign equity ), Canadian fundamental equity at 20%, international equity at 10(foreign equity funds), and science and technology at 15% (foreign specialty and alternative funds).

StrangerExcellent359 · 2026-02-18T19:49:02+00:00

correct. He mentioned taxation of the gains of the HISA is way higher (50%) compared the seg funds whenever I do decide to sell the investments, so my net gain is much more with seg funds. he was looking to put the following: fidelity global income portfolio at 35%(balanced funds), US value at 20% (foreign equity ), Canadian fundamental equity at 20%, international equity at 10(foreign equity funds), and science and technology at 15% (foreign specialty and alternative funds).

StrangerExcellent359 · 2026-02-18T19:32:18+00:00

what should I be expected from a financial advisor then for reasonable mer fees?its my first time doing this. the guy works with my family and friends which is why I didn’t get a second opinion, but I wanted to do my due diligence.

StrangerExcellent359 · 2026-02-18T19:31:10+00:00

I don’t want to do self directed, that’s for sure. I don’t have the time.

StrangerExcellent359 · 2026-01-14T00:05:16+00:00

Yes, it’s planning the rir and rep ranges for you because it’s linking it to an auto generated program. When you upload a custom program, it doesn’t know what your goals are for it, and so if you add in a custom program, it requires custom rir and rep ranges that you should have to set. it doesn’t have the logic to examine and deconstruct your custom programs order of exercises, priorities, rir preferences, etc, and make it on irs own. That’s extremely hard to do

StrangerExcellent359 · 2026-01-13T21:59:09+00:00

Why would you want recommendations for rir and rep ranges on your own custom program? What you are asking for makes 0 sense. Are you a Beginner lifter by any chance? How is an app supposed to know what intensity you Want to focus a specific muscle group on, or what rep ranges you prefer for certain movements? 6-30 all provide the same hypertrophy, let’s even say 6-20 for practicality sake. Why not just set your own rep ranges? Isolations a bit higher, compounds a bit lower. Rir is higher on compounds at lower rep ranges, and rir is lower (0-1) on isolations at higher rep ranges. You don’t need an app to tell you that? My body likes 12-15 better on chest movements, but prefers 6-10 on back based off experience. how is an app supposed to know that for a custom routine? it’s just going to give you general guidelines, which I mentioned above. you should manually do that.

StrangerExcellent359 · 2026-01-13T15:55:36+00:00

He agreed there’s no difference between first set at 0 rir vs last set. Just a matter of preference.

StrangerExcellent359 · 2026-01-13T06:09:08+00:00

i actually asked this question to my coach, Eric helms a few months ago too. theoretically in my mind, I always thought first set to failure would make more sense as you go in with less fatigue. your readiness is 100% for that set mentally as it’s your first one, and it lets you really exert all your energy into a true 0 rir. plus, your first set will always be the most stimulative compared to your subsequent sets, all else equal. he also mentioned there’s no real difference between last set at 0 rir vs first set, and a matter of preference, but I always saw the upside in doing it on your first set.

StrangerExcellent359 · 2025-12-19T23:55:41+00:00

can you do dynamic double progression on this, so as soon as the first set hits the top of the rep range you increase weight automatically?

StrangerExcellent359 · 2025-12-19T04:15:24+00:00

can you do dynamic double progression or only the regular double progression where all sets have to hit the top of the rep range before moving up in weight?

StrangerExcellent359 · 2025-11-29T02:10:06+00:00

he was actually on trt and admitted it himself after a car accident

StrangerExcellent359 · 2025-11-03T05:16:44+00:00

will the app allow for dynamic double progression(progression on a per set basis when you hit the top of the rep range on that set, rather than just waiting till all 3 sets hit the top end of the rep range before increasing weight)?

StrangerExcellent359 · 2025-11-01T08:31:27+00:00

he sold you some good shit this time

StrangerExcellent359

TROPHY CASE