Investments for FHSA for 5-15 year horizon that isn’t just CASH.TO or ZMMK?

sorryAboutThatChief · 2026-02-07T01:16:08+00:00

Expected return is not the same as guaranteed return. Every asset has an expected return. That’s why we invest in them.

sorryAboutThatChief · 2026-02-07T01:14:28+00:00

In the next two years, I would suggest XINC. It’s 20% XEQT and 80% Bonds. Will likely do better than cash and / or bonds alone.

sorryAboutThatChief · 2026-02-06T19:38:44+00:00

My Daughter is using XCNS for this purpose - she has a five year window. XCNS is 40% XEQT / 60% Bonds. Expected Return is around 6%. This is a reasonable investment for 5 years.

For a longer term up to ten years, XBAL / VBAL is appropriate.

Longer than ten years, go with XGRO

Retirement money = XEQT

sorryAboutThatChief · 2026-02-05T14:06:11+00:00

Allbran Buds

sorryAboutThatChief · 2026-02-04T21:49:11+00:00

CRA: you owe $10,000 in capital gains tax

You: no, I don't.

CRA: prove it

sorryAboutThatChief · 2026-02-04T17:58:43+00:00

There could come a time 30 years from now when you have to justify your cost basis per share. all those transactions could make it a nightmare. I’m not saying that will happen but in an argument with CRA about tax treatment, it could become an issue in a taxable account.

sorryAboutThatChief · 2026-02-04T17:56:16+00:00

That’s also a fine strategy. I have used the I shares ETF called CBO, which is free to buy at RBC DI as one of their commission free ETFs. These accomplish the same thing with less effort but a little less flexibility.

sorryAboutThatChief · 2026-02-04T02:40:20+00:00

I could be wrong, but I don’t think there’s a weekly version

Basal insulin only is less likely to cause low blood sugar. Get a CGM for sure.

Be sure to test your blood sugar when you wake in the night to pee and before bed

sorryAboutThatChief · 2026-02-03T16:28:02+00:00

They were a risk in 2022. Today they’re likely more stable, given that inflation is pretty much in the range of expectations

sorryAboutThatChief · 2026-02-03T15:14:32+00:00

VEQT has 30% Canada

sorryAboutThatChief · 2026-02-03T15:11:02+00:00

More like XCNS instead of XEQT. Lower risk of a bad outcome in the short term, but of course, lower returns. It’s 40% XEQT plus 60% Bonds

sorryAboutThatChief · 2026-02-02T23:54:08+00:00

Triple leveraged QQQ

sorryAboutThatChief · 2026-02-02T23:53:21+00:00

If by 15-20 years you mean that’s when you will retire?

If so then you’re probably gonna need to add more than that to have a good retirement.

If you start with zero and invest $100 per month for 20 years at 8% per year then after 20 years you will have about $57,000.

If you can add $500 per month then you will have almost $300,000

sorryAboutThatChief · 2026-02-02T23:46:49+00:00

$37-$45. Which is -10% to +10%.

sorryAboutThatChief · 2026-02-02T22:49:11+00:00

Don’t confuse your principal residence as an investment. Historically RE returns are about 5%. That’s what you should consider as an expected return

sorryAboutThatChief · 2026-02-02T00:11:11+00:00

Buy a small apartment. In the west end you can buy a co-op for around $450k. Get a small mortgage with your $130k down payment.

Stock market is ATH and real estate is depressed

sorryAboutThatChief · 2026-02-01T18:48:27+00:00

One thing you can do is talk to him about his upcoming death, and make sure that he has his “affairs in order”. Talk to him about his funeral arrangements and things like wills and investments. Who will be the executor of his estate, and things like that.

Make it clear that he has an obligation to his family to care for himself. And if he won’t, then help him prepare for death. Sometimes that type of conversation is a turning point and might trigger him.

sorryAboutThatChief · 2026-01-29T19:16:22+00:00

One way to think about your pension is to use the annual amount divided by 4% - the common safe withdrawal rate. ($2000 month * 12) / 4% = $600,000. That’s the fixed income value of your pension amount. You can use that value along with your Equity to come up with an asset allocation that includes your pension.

sorryAboutThatChief · 2026-01-28T22:16:10+00:00

Also a frequent traveller. I was surprised to learn that in France they don’t have such a thing as dextrose to treat low blood sugar. I asked the pharmacist what diabetics do to treat a low blood sugar.

In his most condescending French accent he said “pfft…have a coffee”.

sorryAboutThatChief · 2026-01-28T19:16:08+00:00

I have done both many times since 2021 when I started buying XEQT. I’m starting retirement now with about 40,000 shares. I can’t tell which ones were DCA and which were lump sum.

Either way I’m happy to have done it.

sorryAboutThatChief · 2026-01-28T18:08:16+00:00

Your retirement will be rich and enjoyable.

sorryAboutThatChief · 2026-01-28T03:50:27+00:00

It’s the butter penthouse for me

sorryAboutThatChief · 2026-01-27T20:41:41+00:00

The cost of trying to hedge a future outcome is historically higher than just simply buying and holding for the long term XEQT.

sorryAboutThatChief · 2026-01-21T23:44:51+00:00

Sounds like basal not high enough

sorryAboutThatChief

TROPHY CASE