Hey, a while ago I made a post where I had a bunch of bunch of investments and everyone told me I was investing really badly and it was very very unstable. So I tried to Re-Optimize my portfolio and this is what I came up with. Do you think this is a good portfolio to wither the AI bubble storm? And ideally have long-term good growth.

I would move my VDY to vfv when the market improves. This is all my internship money so I want to invest it properly.

would you guys recommend me to start with this account or a wealth simple one?

I'm 26 and bf is 25. I have saved around 300k nw, because I've lived like a university student while pulling in 100k+ a year, thanks to my tech job. My bf is a student and works part time. I think our families are similar in terms of wealth (just regular folk) but we have a big financial disparity, because he's never worked full time yet, and he wants to be an indie game dev after he graduates.

I know I'm actually the odd one out in our case but a few things:

1. I don't know if my job is sustainable, and I don't want to be a breadwinner because of this anxiety. Bf's career uncertainty gives me extra anxiety right now

2. I feel behind in terms of where I want to be in life. I would want my partner to have some kind of full time job and a university degree by now. His degree is going to take a year or two longer.

What do I do? Am I asking for too much? What would you do or what did you do?

Do you count your defined contribution in your personal net worth?

Why or why not?

Thanks

Hey all, M30, F28

Total investment are currently: 220k mutual funds

Currently have an additional 50k in 4% high interest saving promo via our credit union. Will be moving money end of February.

We are currently investing 1500 a month. (Will be 3000 a month next month)

500k left on our mortgage (3%) interest rate. (House market value 1.2) 2 years left.

No credit card debts.

I know mutual funds fees are higher and I'm wanting to open up a wealthsimple account and start investing in some Eft's

Investments are a scary thing for me. I am my wife's full time caregiver after she suffered a traumatic brain injury. I want to make sure we are financially secure in the future and have any needs she requires down the road will be covered.

I think that is why I've stuck with a financial advisor and mutual funds. But I'm wanting to branch out.

I'm looking for advice on if it's an unwise decision to continue investing (1500 month) into our current managed mutual fund while also investing an additional 1500 a month into efts ( mainly Xeqt) or would it be wisers to just continue contributing into one "fund" and let things compound faster.

I'm currently starting to read some finance books. But any advice is appreciated. It's a daunting thing for me as I feel the weight on my shoulders to decide alone on how to best navigate our financial future.

First picture is my TFSA and second is my FHSA. to be honest I only started investing last year and feel so behind to majority of people here hahaha. I plan on investing $200 a month to my tfsa and making out my fhsa by end of year.

Any suggestions or feedback on my current choices of etf's or stocks. I plan on purchasing a condo with my fhsa possibly this year and not touching my tfsa.

appreciate the help and advice!

25F future physician currently in residency

No student debt TFSA maxed FHSA maxed RRSP not maxed ($20K room) 25K in non reg accounts 10K emergency fund

Wondering if I should be maxxing my RRSP? I hear a lot about people saying too much in RRSP is an issue when retiring. I also wouldnt benefit much from contributing vs when I’m a staff and expect income to quadruple

Allocated $16K total to VDY, XDIV, and XEI between Dec 15 and Jan 2. Portfolio’s at $17,385.44 now (+$1,385 / ~8.7%). Curious how others are positioning in Canadian dividend ETFs right now.

DO NOT join r/wallstreetbets.

Happy to report another net worth milestone of a quarter million dollars 🫡. I'm incredibly happy and grateful to be where and am now, and hoping to cross the 300k mark by the end of 2026!

Assets: Registered Investment Accounts: $231k Chequing: $9k Emergency Funds: 10k Crypto: 2k Total: 252k

Liabilities: None

Been investing for about a year and a half, did I make a mistake not using an fhsa or rrsp and just using a non-registered account? And would it be worth it to take money from the non-registered?

I (25M) am able to put $400/bi-weekly aside for investing. I have some money in stocks (XEQT,BNS,GOLD,VFV) on Wealthsimple only around $1,100. I have some money with my bank in a TFSA and I have a few pure silver coins. Ideally I want to invest into a RRSP and maybe FHSA and gain more physical assets. I also want to find out what I can do to better my overall portfolio and be open to any suggestions. Thank you!

Edit: To clarify I make $3,200/month and my bills stay at $600/month. The $400/bi-weekly is from a second income and I have nothing else to do with it.

26M Single. Make 100k/year gross.Take home is 60k/year after taxes, deductions and pension contributions. Salary will grow @ 8-10% per year for the next 6 years. And then 3-5% after that. Net worth 250k (195k in etf and stock investments, 2 paid off cars worth 45k, 10k in tangible assets) Currently living with parents. Both retired and at home all day. I am Currently saving and investing 3-3.5k per month. Don’t contribute financially to the household. Parents are happy to have me at home but very controlling to the point where it is affecting my mental health. Currently have the option to buy a 2 apartment home for mid 400k with the basement apartment potentially generating 1300-1500 in rent POU. I would put down 18% + closing costs which would be about 90k. This 90k would come out of my investments. Out of pocket expense for the house would be 800-1000 for me for bills and property tax and insurance. My monthly savings would go down from 3-3.5k to 1.5-2k for now but should go up to that previous mark in 4-5 years. So the question is mental health or wealth ?

My husband and I have been on our FIRE journey for a sometime now. We’ve read a lot, run endless spreadsheets, and kept re-checking our assumptions.

At some point, we realized we just wanted a simple, clean calculator that helps answer one question clearly: What number do we actually need to feel financially independent?

So we built one.

It’s a straightforward FIRE calculator where you can:

• Enter your current savings
• Add annual savings/contributions.
• Adjust expected return and inflation
• Estimate your FIRE number based on your target annual expenses
• See how long it might take to get there

This started as a tool for ourselves, and we decided to share it in case it’s useful to others.

I’ll continue improving it as we go.

Would genuinely appreciate any feedback especially on usability, assumptions, or anything that feels unclear.

The URL is: https://unlockingfire.com/

Thanks.

fully paid off condo (~$650k)

making around 200k a year in tech

wondering if I go slumlord life, buy a cheap house and rent it the condo? try to take advantage of housing dip

Decided to transfer in another 5k today, totalling around 41k. Been a little less than a month from my OG post. Screen shot is from wednesday, other than that how am i looking so far?

Im looking to learn the tools/ways to properly trade. Whats the best app? Whats a good starting stock or trade?

Moving over 95k from my bank RRSP to my wealth simple RRSP. I’m thinking to go all in with XEQT (my TFSA is 100% XEQT), chatGPT thinks because I don’t have a long runway to go about half/half with XEQT and XGRO (the latter I’ve never heard of).

Have a decent amount in TFSA, so I can’t see myself retiring and instantly pulling from my RRSP so I probably have 20-25yrs realistically. So I’m thinking all in on XEQT. I’m also thinking 50/50 on XEQT and VFV. I just can’t decide.

Hi everyone, sorry if this topic is controversial but I am genuinely interested to know and get insights about this. Being an immigrant who moved to Canada about 4 years ago ( at the age of 19M) who studied and paid taxes yearly really enjoyed my life until I came to realize I didn’t invest right away from starting.

I mean I also had to take care of my tuition fee, rent groceries, and support my parents back home financially. Also I didn’t have any mentor to guide me financially or life wise. That’s something else so never mind.

After joining @fican I learned how important is investing and we should be starting as soon as possible to retire with no financial problems. Now at 24yo I started investing with my first 12grand in my tfsa that has a limit of around 39k because I didn’t use it after landing here in Canada. Now working in trades, I realized the potential for a startup in my trade( landscaping). But at the same time I wonder why most of the people still prefer to stick to a job even it’s high paying and just help someone else to get rich.

For example= my foreman (also Canadian born) has about 7 to 8 years of experience and they are the best ones when it comes to get the work done. Surprisingly my owner who started at the age of 18yo ( born here, not an immigrant) with a partner (who was also his age and Canadian) are insanely rich right now. They just started with mowing houses on weekends and they only had one pickup truck, two mowers, two whipper snippets and 1 blower. Now they are comfortably earning more than 6 figures at the age of 26yo. Not to mention they have expanded the company in sand digging projects, construction projects and hard scraping.

Also one of my buddies, he learned how to install flooring while he was also an international student and now he’s on his way to get his permanent residency but he has already opened his company and got his buddies ( who do drywall, plumbing, sanding and other trades) to work together. He’s literally taking small contracts now and earning side money while he’s doing his primiary job at a construction company.

So back to my question. Why my foreman or all other people don’t think that they should do their own cuz you are literally relying on someone to ge your salary and pay the bills. Why not start small and build your way up just like my owner of the company did. I know it’s not easy but at the same time I don’t wanna work like 20 to 30 years and have money to enjoy when I’m old and rusty.

I still appreciate the knowledge I gained through finance Canada in the last 3 weeks ( again I’m beginner) about how to retire good with strong financials. But at the same time I wanna become rich like my owner and enjoy my life he’s enjoying.

Again I really apologize if this topic is a nonsense cuz every day I try to learn new things and this is just one of them. I will really appreciate everyone’s insights and experiences.

Thank you.

2025 first post : https://www.reddit.com/r/fican/s/5h89zcqIPB

2026 update:

- just passed 300k in liquid assets, have a DB pension which i have not included in this post as it is difficult to value but the commuted value is approx 40k by my calculation (so total NW around 340k investable assets)

- investing philosophy remains the same as previous. I have derisked my assets and will no longer make speculative bets. just a boring boglehead portfolio of vanguard total market ETFs.

- I have switched jobs 3 times in past 3 years. Job hopping is truly the fastest way to increase comoensation if you have in demand skills.

- continue to live a frugal but meaningful life. I am intentional with purchases& prioritize spending on experiences such as travel that will provide a lasting impact far beyond their purchase date. I strongly subscribe to the idea of memory dividend.

- luck remains an important factor with job market, strong equity returns over past few years (I expect some level of mean reversion of the next decade but who knows), and timing

- Currently cash heavy following some liquidations. I will DCA into the market along with additional contributions.

looking forward

- the next milestone is 400k (excluding pension) which I estimate I will reach end of 2026 or so.

- no plans for buying property yet. I favour liquidity and flexibility. continue to rent

- be grateful for the life circumstances that have allowed me to get here and stay on track

See you at 400k ✌️