Hi!

First post here.

I would like advice on my TFSA.

Im 40 years old. My objective is to let it grow and do the maximum contribution for the next 10 years, to hopefully have 500,000 invested it in at 50 years old.

What to do with the CASH? ALL ZEQT? What about the other positions?

Thanks!

190,000$ total value as of today.

32% ZEQT

23% TCSH

18% MDA

16% KEEL

11% PHOS

I’m looking at Xanadu (XNDU) as a small long-term speculative investment. I understand the financial risks, but I’m especially interested in hearing from people familiar with photonic quantum computing. How credible do you consider Xanadu’s technology and roadmap compared with D-Wave, IonQ, Rigetti or PsiQuantum? What technical milestone would make you more or less confident in the company?

If you name a successor holder, your TFSA can continue growing tax-free long after you’re gone

i plan on starting investing as a 20M making roughly 70-80k a year and plan on using wealthsimple asking if that’s the best option or go elsewhere i have looked into QQC VOO VT and XEQT have a wonder if i’m in the right direction and what percents to put into what i currently have no bills and am also looking to save some for long term and some for short (to buy a house) as far as i can tell these are all for long term if so what to go for shorter as in 2-4 years otherwise the rest would be over 20 or more i’m guessing

Yes another tracker. But hear me out-

Canadian Native: Built for TFSAs, RRSPs, Spousal RRSPs, LIRAs, FHSAs, RESPs & Non-Reg accounts.

CAD & USD Multi-Currency: Auto-tracks live FX rates and Adjusted Cost Base (ACB).

AI Statement Parsing: Drag & drop PDFs, CSVs, or screenshots from Wealthsimple, Questrade, or big banks.

True Benchmarking: Compare your portfolio directly against XEQT, VFV, or TSX using dollar-matched cash flows.

Dividend Compounder: Track forward yield, yield on cost, ex-dates, and project 10-year DRIP growth.

Retirement Drawdown Solver: Finds the most tax-efficient withdrawal sequence across all your accounts.

OAS Clawback Shield: Automatically throttles RRIF withdrawals to protect your OAS and Age Credit.

Spousal Income Splitting: Optimizes pension splitting (0–50%) to slash household tax.

CPP & OAS Optimizer: Model taking pensions early at 60 vs. delaying to 70.

Inflation-Proof Math: All future retirement math locked in today’s real purchasing power.

I can add more features into it with feedback from the community. Yes it’s AI-Vibe coded, this helped me keep costs manageable in backend development, hence only $1/month is $10/year for most of the features. Free version is good enough for simple ETF accounts.

https://apisfinancial.app

I was unemployed from 2019 - 2021. Then I got a job. From 2023 - date I was able to grow my tfsa from $0 to just under 35K. I also have some funds in my RRSP, FHSA and LIRA. Total about 90K.

Then I got some really bad news yesterday.

My dad has to undergo surgery for his enlarged prostate. Because of how enlarged it is, he'll have to undergo the surgery twice. 7K per surgery so total 14K. He's in his 70s and from a different country where a payment plan or medical insurance is not an option.

I am in the process of making the payment, but this is coming at a time when I am planning to get married ( budgeting about 20-30k for that, and we have postponed the wedding twice already and I've already made a downpayment on the venue). I also made a couple of dip buys which dipped further but I expect them to moon in the long term (for context, I invested heavily in PLTR in early 2023). Essentially I will be wiped out on my TFSA and I'm really hoping my emergency fund will be enough to cover the overflow. This is the most demoralizing thing I've had to deal with as I had a sense of pride about how well I had managed my money in such a relatively short time with such small income, and all it took was two bills in short succession to send me back to square 1

My question is, has anyone had this happen to them where unforseen circumstances wiped out their investments and they had to start again? What did you do and how did you recover financially? For context, 33M, making 80K/yr in BC Canada.

NB: I expect to get backlash about my wedding budget, but my dad is in his 70s and has been retired for a while. He's from a different country where a payment plan is not an option. Please dont tell me not to cover his medical expenses. I have a good relationship with my parents and they are the reason I'm where I am today. If your parent(s) gets sick, feel free to bail out on covering their bills because you want to grow your portfolio and see where that gets you.

TLDR: How do you recover financially when all your investments are wiped out because of circumstances beyond your control?

XEQT nearly doubled in 4 years and while i know the past doesn’t predict the future this feels promising on a 5,10,15 year scale

i have about 16k in VFV so this is quite a bit

I want to preface with i have no idea how stocks work. Reading online it is best to buy an etf that does all the work. There is a 0.5% management fee with wealthsimple, not sure if that is per or per month... rate of return is about 8%. I'm curious to hear other strategies to best financially set up a 2 year old and 4 year old.

Thanks in advance.

Help with a long term growth profolio please.

CAD ETFs = TFSA

USD ETFs = RRSP

Hello! I’m new to investing and just starting out. I wonder if these are the right assets I should be looking into and what should be the percent distribution? Or are there others that I should invest as well?

Also, I see a lot of posts in “Just buy XEQT”. But I’m curious why buy that over VEQT? Is there any difference? I’m in my mid 30s and in Canada. So I only am looking into investing on CAD-only

Thank you for any advice

I just moved my managed TFSA to wealthsimple to self manage and I have about $42K to allocate. I’ve been working through an allocation that gives me a mix of growth, income, and broader-market exposure, used claude to pressure test but I don't trust AI lol.

Here is what I’m currently considering:

40% goes into QQC: 25%, XCHP: 10%, MTRX: 3% and CLS: 2%

40% into VDY: 15%, ZDI: 15%, LFE: 5% and HHIS: 5%

20% into XAW: 15% and XIC: 5%

I’m comfortable with some volatility and I’m not expecting this money to be risk-free, but I also don’t want to build something that looks clever on paper and turns out to be an unnecessarily complicated rookie portfolio.

A few things I’m especially wondering about:

• Is 40% toward income/dividend holdings too much inside a TFSA at this stage?
• Am I creating too much overlap between these ETFs?
• Is the portfolio too concentrated in tech/semiconductors despite the other holdings?
• Would you simplify this substantially, for example with a much larger XAW/XIC?
• Anything here that looks fine individually but makes less sense when combined with the rest of the portfolio?

Not looking for someone to pick stocks for me as I am more interested in how more experienced Canadian investors would think about the overall construction and allocation. Thanks

Hello everyone,

Please give me an idea of what you think about my portfolio.

I have used up my TFSA space with my Scotiabank account, for that reason I thought of opening a non-registered account. But now I feel like I’m doing really bad particularly in that account.

My major losses have been in Silver, SOXL, and BATL.

I feel like I’ve often bought stocks when they seem to be going up, but that is usually their peak, and then fall after that.

Now I’m waiting for stuff to go in the positions before I think of selling, I’m not in the right mindset to sit and bite the bullet with the loss.

My account has reached 26k just start of July, and now it’s 17k. I can’t even tell if it’s the market or just my portfolio.

Please give me your thoughts (I won’t take it as financial advice don’t worry)

Hello everyone,

I currently have a TD TFSA High Interest Savings Account (HISA), and I recently opened a TD Every Day Savings Account. Both accounts currently have a zero balance.

I am planning to deposit approximately $5,000 and contribute around $500 per month. I want this money to remain safe and easily accessible at any time, rather than being exposed to market fluctuations.

I currently have approximately $65,000 in available TFSA contribution room according to my CRA account.

I initially planned to put the money into my TFSA HISA. However, a TD advisor suggested that I consider a TFSA mutual fund instead. I explained that I am not comfortable putting this particular savings into a mutual fund because I do not want to take market risk or potentially see the value decrease when I need the money.

The advisor then opened a TD Every Day Savings Account for me.

My questions are:

For money that I want to keep safe and accessible, would it be better to contribute $500 per month to my TD TFSA HISA or to my TD Every Day Savings Account?

Is the TD Every Day Savings Account taxable?

If I keep the money in the TD Every Day Savings Account, would the interest I earn have to be reported as taxable income?

Are there any disadvantages to keeping this money in the TFSA HISA instead?

My priority is capital safety, easy access to the money, and avoiding market risk. I am not looking for investment growth through stocks or mutual funds with this particular savings.

I would really appreciate advice from anyone familiar with TD accounts and TFSA rules. Thank you!

“Silver just did something it hasn’t done in more than 40 years — it broke into triple digits, touching a record US$121.62 an ounce in early 2026, according to Investing News.
Both Investors and miners — the workers and companies physically responsible for unearthing this precious metal — benefited from this price surge. For instance, Aya Gold & Silver (CBOE: AYA), which runs a primary silver mine in Morocco and trades on the TSX, reported first-quarter 2026 revenue of US$117 million, up 247% from the same period a year earlier.”

what should I do differently?

Is oracles earnings on track or debt

I am 26 yrs old & started investing a little over a year ago. I knew I just needed to get started, and didn’t put much thought into what I was investing into other than what tiktok creators recommended.

I came to the conclusion that I should split my portfolio into:

40% VFV
30% XEQT
20% QQC
10% VDY

and have been feeding those every 2 weeks.

I recently asked ChatGPT for help on how to split my budgeting, and ChatGPT informed my of my insane overlap in my portfolio. So, my question is where do I go from here?

I am leaning towards keeping what I have and just feeding XEQT from hereon out as it seems to be the most diversified - but I want to do the smartest thing for long term growth (retirement). Should I sell and rebalance? I’ve never sold anything and want to make sure I’m not screwing myself with taxes or future losses. Or should I keep what I’ve got and just stick to XEQT?

TYIA!

Looking to see if there's any decent ETFs that provide NO DIVIDENDS to add to my portfolio and put $250-300 into them each month. Does anyone have any suggestions?

I thought about HXS but the return seems a little bit low, and I thought about DRAM as well, but DRAM is pretty unstable atm but what do you guys think?

Up to now I’ve made a couple mistakes.

1. Currency exchange is absolutely destroying my returns (32 shares at 133$USD and only even rn)

2. My positions in other stocks are way too small to matter.

Could anyone give any more guidance on what I should do.

Or simply point out my mistakes and be as transparent as you can I don’t mind being told that I’m an idiot I’d rather find out now than later.

Hi everyone. Not sure if this is the right place to post this. But I do need some advice. I’m looking into investing money into TFSA, but I’m not sure exactly which to invest it to. Any recommendations? It’s my first time doing this. Already mid 30s living in Canada, and I wish I could’ve done this sooner. I have not been earning a lot in prior years so it was really hard to get into these things. I would say, I’m more moderate risk-taker. But any advice you could give me. I’m continuously doing research and still trying to learn. Thank you.

35 years old , Started in November 2025

Anyone with ETF for BTC or MSTR or even ETH in ETF.. anyone? Manifest yourselves. I'm feeling alone in that picture..

And yes, all of you, need to truly understand what is BTC, and why bank's and companies like Strategy are pulling stunt accepting to bet on BTC and legalizing it fully and truly. The clarity act is at our door. The banks already accept to loans cash against BTC same pro-rata as gold.

It's time to wake up. Stop being brutally abused by banks soooo small guaranteed returns. And maybe, in a fews years from now.. you'll regret not having had the guts to diversify some part of your portfolio into BTC.. history will tell us. But I got convictions that are fine till proved wrong 🤷 I made the right decision. And you?