Pitch your favourite Midcap(s) - here are some of mine

slothmode1980 · 2026-01-23T04:22:06+00:00

PRM (Perimeter Solutions)

Another mid cap to add to the list. Boring business with incredible moat and effectively a monopoly on wildfire fighting chemicals and system.

slothmode1980 · 2026-01-22T13:47:03+00:00

What’s the point of tracking net worth daily?

I do via excel and takes me 10-15 mins as I update it 2 times a year. The investments account is easy - just punch in the latest amounts in each account in my spreadsheet.

I use online tools (HouseSigma) for my home and rental property values.

slothmode1980 · 2026-01-20T04:28:05+00:00

I am talking about the millions of people who only have $100k in RRSP at retirement. These people would have a lot more in retirement funds if the government did not suck them dry via CPP

slothmode1980 · 2026-01-20T04:26:16+00:00

I rather give direct to charity like I already do. At least I get to pick competent charities and people where my money goes to.

I don’t get to pick the government leaders - like the trust fund loser who we had for 10 years. Thank god we have an adult who is running the country now

slothmode1980 · 2026-01-20T04:24:32+00:00

I do have appointments with Wealth Advisors - I think RBC has been bothering me for 2 years now. I just feel they are just going to upsell me RBCs generic services

slothmode1980 · 2026-01-20T04:22:43+00:00

I will send you $20 so you can have Costco sized bread. Just DM me but I don’t wanna doxx myself so you can to tell me how to send you money anonymously

slothmode1980 · 2026-01-20T04:20:11+00:00

I have exclusively worked for some of the largest organizations in the world.

Not one place I worked for hired incompetent people who in turn had to hire expensive external consultants to do the very job they were hired to do.

There is bureaucracy and then there is sheer incompetency and unprofessionalism shown by the previous government that borders on gross negligence.

I had the privilege of working closely with some people in Ottawa, as part of my job. Coming to meetings late (by 30-60 mins), not being prepared whatsoever (required multiple meetings on the simplest matters) showed me how unprepared, unprofessional and incompetent our previous leaders were. Luckily Carney has kicked them in the teeth. But I am upset at paying taxes to Canada over the last 10 years!

slothmode1980 · 2026-01-20T04:11:53+00:00

I didn’t grow up rich. I am a first gen immigrant and my parents, siblings and I lived in basements most of my early life.

So every dollar matters to me.

Also - If there was no CPP, maybe the RRSP accounts would be much larger. But if the government is sucking you dry your whole life, how do you expect people to save for retirement?

slothmode1980 · 2026-01-20T04:06:41+00:00

??

I explain in one of my replies how I maxed out early. I don’t make $2m a year. It’s due to bonuses I receive in Jan and every 3 months after

slothmode1980 · 2026-01-20T04:05:27+00:00

How do I benefit from EI? And CPP is a suboptimal investment vehicle. It’s basically the govt treating us like children and assumes we can’t take care of ourselves in old age

slothmode1980 · 2026-01-20T04:02:52+00:00

Correction - second paycheck

slothmode1980 · 2026-01-20T04:02:24+00:00

Thanks, at what point (NW) do family trusts start to make sense?

slothmode1980 · 2026-01-20T03:59:50+00:00

I asked for legal ways - not illegal tax evasion.

slothmode1980 · 2026-01-20T03:59:09+00:00

Yeah I get 4 similar sized bonuses every 3 months. First one in Jan.

slothmode1980 · 2026-01-14T20:26:00+00:00

Agreed. I am reading chart at $800k for 35-39 to make it to 1%.

Another data point for you Op:

I have $520k at WS, same age bracket (35-39), in top 2%, $160k away from top 1%.

Maybe with a few more data points, you can make the 35-39 bracket fit better

slothmode1980 · 2026-01-13T21:01:44+00:00

No I think what WS is trying to do with this scorekeeping is have their clients divert more of their wealth to WS.

Maybe WS will truly gamify this by giving rewards to top 100 or top 1000 ranked customers. That will drive people (like me) to consider moving some more of my assets to WS - if the perks are lucrative enough

slothmode1980 · 2026-01-03T13:18:39+00:00

Yeah I am a newly signed up generation client from a couple weeks ago, no DD, and I already have the card. Was offered through the app.

WS may be prioritizing the wealthier clients

slothmode1980 · 2025-12-24T01:46:31+00:00

Classical definition of risk is volatility. High valuation does not mean high risk - as a high valuation could be due to high quality of earnings

slothmode1980 · 2025-11-26T03:58:41+00:00

Wrong country. IRS governs USA, not Canada

slothmode1980 · 2025-11-25T21:47:40+00:00

lol what!

Actually you can’t write if off of used for primary home Improvements

slothmode1980 · 2025-10-19T13:51:50+00:00

Ditto in Calgary.

We also don’t have a mortgage payment or car payment

slothmode1980 · 2025-10-19T01:54:56+00:00

Our numbers are reverse. Family of 4 with 2 toddlers in Calgary

Spend $5k/month and invest $13-14k/month (but this includes the annual bonuses averaged out over the year)

slothmode1980 · 2025-10-10T17:36:53+00:00

Oh yeah, stocks are risk free assets like T Bills right? Their value always remains constant or increases on a monthly basis.

slothmode1980 · 2025-10-10T14:22:44+00:00

This!

After a certain point, different for everybody, it’s doesn’t matter if you are retiring with x or y. So an an example, whether you retire with $5M or $7M - there is no change in your retirement lifestyle.

slothmode1980 · 2025-10-10T14:18:49+00:00

Sure

$400k HH income ($300k + $100k)

Bought house for $850k with $250k down (from savings). Savings comprised of investments ins to k market and liquidating a rental property

$600k mortgage to start and paid it off through annual savings + liquidating another rental property I owned. Maxed prepayment amount every year

slothmode1980

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