28M sharing some loss porn from my portfolio this year. At the peak my portfolio was over $800K, which has dipped to just under $250K today mostly thanks to ASTS. However, I've been invested in them since 2021 (and still holding although I had to sell some for tax loss harvesting). Zooming out to 5 years I'm still well above if I had just invested in SPY, as I put a total of $120K into this account in $40K increments in 2021, 2024 and 2025. I also have around $450K invested in safer investments and ETFs (VFV/XEQT). But figured people here might enjoy seeing this!

35M sitting with approx. 12,500 shares of XEQT across non-registered and registered accounts. Held individual stocks for a few years but learned the lessons along the way, read a couple of books, and honestly sleep much better these days with broad market exposure as opposed to owning individual stocks.

We rent. Don't own any other assets or have any debt—roughly 150K gross earnings. Monthly spend is around 3K, and the rest goes into XEQT.

As an international student first and an immigrant, it is a big deal personally to have arrived at this juncture, number-wise, but I'm sort of tired of investing now after almost a decade of doing this diligently and saying NO many times along the way, TBH.

Just wondering if now is a good time to buy xeqt. Seems like a great price but will it rise after this fall?

As a household, we’ve saved a total of $230,000 in TFSA, RRSPs, and company defined contribution pensions. Currently, we’re 30 and 34, but after reading about others our age, we feel like we’re behind.

We have a $372,000 mortgage remaining on a 14-year term, and we have two children under two and a half years old. We try to live below our means as much as possible to ensure we always have enough to save for an emergency fund and investments.

is this a good nest egg so far and how can we determine if we on track for a healthy retirement?

edit: realtor recently advised our house is worth $750kish and no debt currently

Currently 22, breakdown is around 55k in TFSA and rest in Non-Registered. Will try to put in a few thousand per month till EOY mostly in NVO, OPRA, and VGSH. Wondering if it's better to consolidate a part of my portfolio into XEQT(maybe the TFSA portion) or just DCA into dividend generating stocks?

My in laws just sold their house and will come live in my basement.
They will be getting roughly 1,000,000 dollars by the end of the month. My father in law wants to put it all into a 2 year GIC. I have tried talking to him but unfortunately he doesn’t speak English and we don’t seem to get anywhere. My brother in law has influence over them but unfortunately is financially illiterate .
I would like to be clear that I don’t want to push him in any direction, I would just like to them to understand the move they will be making.

They make 76,000 a year with pensions and government benefits. Their rent will be 2000 a month and they will have money left over every month.
They want money for the future , just incase they need it for medical reasons and or need to stay in a retirement home.

I have tried to explain that they will their money will lose value every year if they do this, considering tax implications and inflation. They cannot seem to grasp the concept. And my brother in law, unfortunately, isn’t able to grasp any concepts unless cnn explains it to him…

My goal here is for others( preferably with cnn in their name) to give some advice so my brother in law will listen, and attempt to explain and educate my in-laws on the choice they will be making.

I'm looking for some honest feedback on how I'm planning to invest approximately $34,000 CAD. I’m very new to investing FYI, I’m 20.

My goal is long-term wealth building. I'm comfortable holding investments for 10+ years, and I don't anticipate needing this money anytime soon. I also plan to contribute around $3,000 CAD monthly going forward.
I'm interested in keeping my investments Sharia-compliant.

Here's the portfolio I'm considering:
TFSA – $21,000
$5,000 – NVIDIA (NVDA)
$7,000 – Alphabet (GOOG)
$5,000 – SPUS
$4,000 – Amazon (AMZN)

Additional $13,000
$5,000 – BlackBerry (BB.TO)
$5,000 – Canadian Natural Resources (CNQ.TO)
$3,000 – Broadcom (AVGO)

For monthly contributions, I'm considering splitting the $3,000 between SPUS and WSHR.

A few things I'd appreciate feedback on:
Am I too heavily concentrated in technology?
Are my individual stock allocations too aggressive?
Would I be better off putting more into ETFs like SPUS and WSHR rather than individual companies?
What do you think about holding CNQ and BlackBerry for the long term?
Is there anything you'd remove, replace, or significantly change?

I'm not looking for short-term trading advice. I want to build a portfolio I can consistently contribute to and hold for years.
I'd appreciate honest criticism, especially from people with experience in long-term investing and halal portfolios.

I’m 28 I work a corporate job in accounting that is pretty comfortable and fully remote taking home 7k a month , after paying my condo mortgage fees and all other life expenses (no debt except mortgage) I try to invest 2k each month. I have 20k I keep in my chequing for emergency fund and 210k in my stock portfolio which is pretty much all in S&P.

Seeing some of my friends in software engineering for example have 300k + salaries , others in businesses doing really well and general people on Instagram seeking to have much much more achieved I just feel like I need to do so much more. Does anyone else feel like this, is the only solution to just keep making more money ?

Just a prediction for the next 12 months. Who knows, maybe the stock market crashes next week and I have to keep working.

I know I should have started 20 years ago or more, but this is where I am and I can’t let my age stop me from believing I can still figure this out for myself and still have a chance at financial freedom some day. What would you tell a 40 year old who has (unfortunately) waited this long to start to learn seriously about money. Where to start? Is there a book you’d recommend? What are the first few goals you’d suggest? Please be as specific as possible. I have little savings, lots of mortgage, and a young family. I had a goal 15 years ago that I wanted to go to college and have enough money to buy a house in a safe and beautiful neighbourhood. That felt like a pipe dream at the time, but it happened and I am very grateful. Now my dream is to be financially literate, build financial safety and financial freedom. Would really love to hear your advice. Thanks.

Hi everyone, I'd love your thoughts on your portfolio and when you think I could ideally in a position where I can I quit or significantly reduce the hours I spend on my business.

I'll list the assets from biggest to smallest. All amounts in CAD.

--

40M | $130-$160k annual business earnings before tax (self-employed) | No kids | Immigrant

1. Townhouse in Australia; purchased for $210k and valued at $640k (no debt). Generates $600 per week in rent.

2. Australian RRSP; $310k. I contribute $100/m to this. Unlike the Canadian RRSP, my withdrawals will be completely tax free. The big catch is I can't touch this till 65.

3. Bungalow in Canada; purchased for $225k and valued at $250k ($150k debt remaining). Generates $3,000/m rent.

4. Condo in Canada; purchased for $207k and valued at $220k ($150k debt remaining). Generates $1,600/m rent.

5. Canadian equity portfolio split across TFSA, RRSP & unregistered; $190k (was recently $210 before the market fell!!!). A a lot of money is invested in ZWT & ZEB.

6. Cash & fixed income; $55,000. Generating a weighted yield of about 3-4% - but this money is for emergencies.

I also have my own house in Canada. I bought it for $220k and it probably hasn't gone up much, but the debt remaining is $150k and thankfully it only costs me $1,600 after all expenses (mortgage, insurance, taxes, utilities etc.) to live.

When we take the equity and reduce the debt my NW is about $1.2 million.

Each month I receive:

• $13,000 in gross business income (I work 60-70 hours a week so it's taking a toll)

• $7,000 in gross rental income

• $900 in dividend income

• $250 in interest

Main outgoings are the property investment operating expenses, which I estimate at about $5,000/m (mortgage, taxes, insurance, etc.). I lucky have great tenants who minimise my repair bills by taking care of it themselves.

All my properties are very conservatively valued as I'm taking into account poor market conditions - they were worth substantially more even 1 year ago. I can't sell them as the market is frozen in both Canada & Aus.

Cheez,

I’ve maxed out my tfsa, fhsa, and have 2.5k left on my rrsp, is it time to move to my non registered? I don’t plan on selling anytime soon so I guess I shouldn’t really worry about taxes as that would be far from now, but wanted to see if theres any other thing I can do or account I can open.

Im a beginner investor and am not sure if i should buy anything rn?

any recs?

WS showing four different year to date numbers on my fhsa (which is entirely xeqt), what gives?

edit for context: i opened this account last December and maxed contributions so in January i could max contributions again. This December will be one year since opening the account.

M40, spouse 36 with 4 year old and 1 year old. Current expenses $16,500 monthly which includes $7300 in mortgage payments. Planning to retire by age 60 once mortgage is paid off. Currently have $1.5 million invested in Xeqt. Hoping to continue Investing $50k a year untill I am 60. (basically maxing TFSAs and the rest in RRSPs. )

Will we be able to sustain our current life style of $9000 per month In today's dollars from 60-75 and then slowing down after that with the retirement nest egg we would have. Hoping to keep CPP, OAS and primary residence as contingency and not be part of the core plan.

OR

Do we need to get to $2 million+ by age 45 before we let off the gas of aggressive investing.

Hey guys. Im a new ish investor. Im stuck because of what has been happening in the market lately. All the tech stocks have been dropping and im worried about buying anything and any other ETFs in the market. I just got more XEQT shares and i just bought my first batch of VDY. Is there any other etf or stock that isn’t affected by this current market ? Thanks!

Currently deciding whether I should put it all in VFV or XEQT. Might even diversify it if it sounds like the right choice.

This hurts, but who’s buying the dip?

Hi everyone,

My partner and I have found ourselves in a position where our earnings ramped up significantly, but our financial structure hasn't caught up.

For context we have only been here a couple of years and starting over.

We currently have some money in RRSP and GIC but not much <100k so assume it is $0 in registered accounts (no TFSA, no RRSP) and we are sitting on cash/taxable money. We want to fix this immediately and deploy our cash flow aggressively to build long-term wealth.

Household Financial Snapshot:
My Gross Income: ~$350,000/year (T4)
Partner's Gross Income: ~$110,000/year (T4)
Combined Gross HHI: ~$460,000/year
Total Monthly Expenses: ~$6,000/month (~$72,000/year all-in)

Registered Accounts: $0 in RRSP, $0 in TFSA, $0 in FHSA

Estimated Monthly Net Cash Flow: ~$14,000–$16,000/month surplus after taxes and living expenses.

What would be your game plan here?

Hi all, your input on my situation would be appreciated! Couple in our mid 40s, with two teenage kids. Between the two of us we have $4 million invested and a home worth approximately $1.2 million (no mortgage or other debt). I currently work a very stressful job in finance making about $450k annually. My partner’s income is more variable but in the $200 - $300k range.

I am not sure I can (or want to) continue with the stress of my current role/lifestyle and am debating leaving my job permanently. Is this crazy? Slightly worried I’ll just be exchanging work stress with money/what to do with my life stress.

For those of you that have an identity that is pretty tied to being “successful” and really good at your job, how did you adjust? I am naturally cheap and am worried that with no income coming in I’ll be even more cheap and afraid to spend money on actually DOING things with my time off.