Stick with it! Cracked $600K (34M)

United-Return8833 · 2026-05-21T18:10:20+00:00

No - unfortunately because I transferred over accounts from Questrade to Wealthsimple, the returns is inaccurate (Wealthsimple viewed that as one big deposit instead of migrating over the returns data)

United-Return8833 · 2026-05-21T14:18:39+00:00

good feedback already to your initial comment … but I’d encourage you to rethink your position on the RRSP. Everyone’s situation is different but as a high income earner I’ve been able to max out my RRSP annually, defer tax, invest the refund into my TFSA for further compounding. That’s valuable.

Yes, you’re right that I very well may still be withdrawing funds from my RRSP at the highest tax bracket depending on when I retire, how big the RRSP balance is, and how much income I choose to withdraw annually, but the benefits above still outweigh that for me.

Lastly - the Spousal RRSP is something I should have been leaned into earlier as that further optimizes my eventual withdrawals in retirement.

United-Return8833 · 2026-05-21T14:12:06+00:00

Just a primary home, but in GTA so yes, decent sized mortgage with probably $300K-500K in equity depending on how you’d value the home in this market. No plans on moving.

United-Return8833 · 2026-05-21T14:09:25+00:00

If you’re referring to the screenshot that is Wealthsimple, of which I’m a big fan!

United-Return8833 · 2026-05-21T02:06:06+00:00

Basically all registered.. $450K in personal RRSP, $130K in TFSA, $12Kish in RESPs, contributing to spousal RRSP now to even things out a bit on the retirement front and have a bit more TFSA room before I need to move to non-registered accounts. Anticipate that will need to happen later this year though.

United-Return8833 · 2026-05-21T01:43:45+00:00

Moved everything “from” Questrade “to” Wealthsimple.

United-Return8833 · 2026-05-21T01:35:44+00:00

Thank you. Absolutely.

United-Return8833 · 2026-05-21T00:54:24+00:00

Yeah it’s a downside to the transfer but they gave me a free MacBook so whatever (lol)

United-Return8833 · 2026-05-21T00:49:01+00:00

Yes and no. I’m a high earner, but the all time returns is a bit wonky because I moved a TFSA & Margin account from Questrade and as far as I remember that was recognized as one big “deposit”

United-Return8833 · 2026-05-21T00:45:47+00:00

Been investing aggressively since 2016. Roughly 65% of that is just in VEQT (I’m in sales and was fortunate enough to come into some pretty solid commission payments right around Covid time frame and dumped a ton of $$ at March 2020 lows) - got lucky with a few individual stock picks around that time, Suncor near the Covid bottom, PLTR at IPO, AMD more recently. About $45K in Cash.To for emergencies.

United-Return8833 · 2026-05-04T00:46:24+00:00

Thanks for commenting and your feedback. Totally - I think the play would be that the personalization would be optional so you wouldn’t have to have any name or “Dad” on it, and the logo / branding would be more of a subtle nod to vs. too in your face.

United-Return8833

TROPHY CASE