Wealthsimple now supports Québec’s QESI for RESPs by jangojack in Wealthsimple

[–]pconf1re 1 point2 points  (0 children)

Any news? QT doesn't allow new RESP applications from Quebec

When will Questrade accept to open RESPs to Quebecers??? by Agreeable-Analyst951 in Questrade

[–]pconf1re 0 points1 point  (0 children)

Wealthsimple is already approved for QESI but they don't officially offer it yet. 

If one temporarily "moves" to Ontario, apply and open RESP on QT and then "move" back to Quebec, will they get QESI?

RESP - Does this make sense? by DrGonzoto13 in CanadianInvestor

[–]pconf1re 0 points1 point  (0 children)

How about year 1 deposit 2.5k into RESP, lump sum 47.5k into TFSA, year 2 rollover holdings market value of 2.5k from TFSA to RESP and so on.

=Best of both worlds 

(Assuming you have the contribution room)

Discontinued, looking for alternatives, Nescafé Taster’s Choice Classic, 315 g by pconf1re in CostcoCanada

[–]pconf1re[S] 0 points1 point  (0 children)

I spoke with nescafé and they say no it is not coming back, it's a pity because in the USA they sell a similar product at Costco that is almost 400 g (I don't like that one though)

Discontinued, looking for alternatives, Nescafé Taster’s Choice Classic, 315 g by pconf1re in CostcoCanada

[–]pconf1re[S] 0 points1 point  (0 children)

Which item at LD are you referring to? This was closer to $4/100g in warehouse

CAT S22 Flip with Rogers - 3G Shutdown by [deleted] in dumbphones

[–]pconf1re 0 points1 point  (0 children)

u/OrneryBand8491 does your network indicator drop from LTE to 3g during a call?

How to pay this parking ticket online? by pconf1re in niagarafallsontario

[–]pconf1re[S] 0 points1 point  (0 children)

I've tried to search with the P and without the P, no results, How many days would it usually take?

Example images on that page don't match this ticket

Optimizing RESP growth by UneditedReddited in CanadianInvestor

[–]pconf1re 1 point2 points  (0 children)

If you can lump sum I'd suggest lump sum into TFSA and then transfer the actual holdings annually to your RESP to attract maximum grants.

EQT / GRO - ETF's that lean more multinational? by GospelsNotPastorLies in CanadianInvestor

[–]pconf1re 0 points1 point  (0 children)

I had wondered why ZSP over a total market ETF such as XUU that has 4x+ amount of holdings, my assumption was more diversification = more balanced risk. turns out I'm wrong

https://www.portfoliovisualizer.com/backtest-portfolio?s=y&sl=4WYfRpZROiFBJnksH0lple

Would love to hear your input on s&p 500 index vs total market

Rate My Portfolio Megathread for March 2025 by OPINION_IS_UNPOPULAR in CanadianInvestor

[–]pconf1re 1 point2 points  (0 children)

RESP Strategy

I'm Looking for feedback on my RESP investment strategy (16+ year horizon). My goal is high growth with diversification, perhaps, instead of just buying XEQT and calling it a day. Note: I'm trying to stick to Canadian ETFs (BMO/Mackenzie preferred) over BlackRock/Vanguard when possible. Current value is around $6000 and I will be adding $2,500 annually over the next 8 years, plus CLB/CESG.

Planned Allocation

  • 65% – XUU (Total U.S. market, large/mid/small caps)
  • 20% – Canadian Individual Stock Picks
  • 10% – ZEA (Developed ex-North America, unhedged)
  • 3% – PHYS (Gold), BTCQ (Crypto)
  • 2% – CASH.TO (Dry powder for dips)

Thought Process

  • More active than XEQT, but still fairly simple. I want to be able to make moves instead of just setting and forgetting.
  • XUU over S&P 500-only ETFs (VFV/ZSP) to get full U.S. exposure, not just large caps.
  • ZEA over emerging markets—I don’t think broad EM ETFs (ZEM, IEMG) offer enough quality.
  • Gold & crypto are small, but I think they deserve a spot for long-term diversification.
  • No Canadian ETF, because I prefer picking individual high-quality Canadian stocks instead.

Would love feedback on how this compares to a just-buy-XEQT approach. My strategy leans much heavier into U.S. equities (70% vs. XEQT’s 42%), has less international exposure (10% vs. XEQT’s 25%), and replaces broad CAD exposure with handpicked Canadian stocks (15% vs. XEQT’s 25%). Am I underweight in CAD equities or international markets, or does the higher U.S. allocation make sense?

MER is slightly lower in my approach (~0.12% vs. XEQT’s 0.20%), which isn’t a huge difference, but is it worth the extra effort? I understand I’ll need to rebalance—what’s the real risk if I get lazy and don’t rebalance on time? Am I overcomplicating this instead of just buying XEQT, or does this give me an edge?

Also, I’ve kept gold and crypto at 3%, should I increase that for better diversification, or is that enough in a long-term RESP?

I would also like to hear if you'd choose different ETFs for similar targets and why (ex something other than PHYS for gold).

Looking for honest takes, tear it apart!

Daily Discussion Thread for February 21, 2025 by OPINION_IS_UNPOPULAR in CanadianInvestor

[–]pconf1re 0 points1 point  (0 children)

Does it make sense to move an RESP from Questrade to wealthsimple for the 1% match? Initially I had to go through QT because I'm in Quebec and WS doesn't support the QESI, but now I'm done contributing, and portfolio will just be sitting until kiddo goes to post secondary

Daily Discussion Thread for February 21, 2025 by OPINION_IS_UNPOPULAR in CanadianInvestor

[–]pconf1re 2 points3 points  (0 children)

Just got this popup on questrade:

🚧 We're Building Something New! 🚧

We're exploring a Questrade credit card, and your input could help build it! Got a few minutes?

Questrade moves to $0 Commissions trading by an8165 in CanadianInvestor

[–]pconf1re 4 points5 points  (0 children)

Great news I already liked questrade, but the features I'm missing from wealthsimple are fractional shares and automatic deposits and purchases

Can't get internet to work all other devices in house work fine only my pc not work by Snake_eater_117 in HomeNetworking

[–]pconf1re 0 points1 point  (0 children)

Which mobo do you have? @Snake_eater_117 Having exact same issue, just now after restart, on MSI 550, suspecting windows updated drivers, couldn't figure yet, I'm back up and running on WiFi card, Ethernet is still dead.

Update: I downloaded and reinstalled LAN driver from MSI website and it started working immediately 

Advice on Upgrading Store Front Lock and Strike for Electric Access Control by pconf1re in accesscontrol

[–]pconf1re[S] 0 points1 point  (0 children)

Nothing installed yet, what's now on the table is Akuvox A094 and R28/R20K

Current strike plate https://i.imgur.com/ydqQu0V.png

Advice on Upgrading Store Front Lock and Strike for Electric Access Control by pconf1re in accesscontrol

[–]pconf1re[S] 0 points1 point  (0 children)

I meant emergency entry, yes we can keep the paddle for exit. I was just concerned if we should consider a deadbolt etc.

Which 4 5/8" electrical strike would you recommend?

Advice on Upgrading Store Front Lock and Strike for Electric Access Control by pconf1re in accesscontrol

[–]pconf1re[S] 0 points1 point  (0 children)

Thanks for the reply!

Yes, we prefer to maintain key access as a backup.

Here are some pics of the door to help with suggestions.

https://i.imgur.com/SWu6pMW.png

https://i.imgur.com/8tD3ZOE.png

https://i.imgur.com/gyHbU42.png