u/BigMouthBillyBones

Browsing on the realtor websites I am finding some incredible what seems like bargains in the Vanier for detached houses. A lovely 2 bed 2 full bath bungalow on Ducharme for 499. A similar one with beautiful landscaping and a garage on Blake Blvd for 599. Sale prices substantially lower than ask, too for example 3 bed 3 bath, two storey detached with driveway on Genest, sold for 510, asked 550 recently.

Of course they are older style, but with lots of character, hardwood floors, they are not the modern bling bling style, but they are certainly livable. I would be all over this if I were starting a family again. The big green lots with big yards are to me, more valuable than a granite counter top or stainless steel appliance that will break immediately after the warranty expires..

Yet these seem to be overlooked as new buyers at least from what I've seen prefer going outwards into the suburbs; For example that new Minto development where people lined up camped overnight for detached houses starting in the 700s. Why? I get a bigger yard - more space and a shorter commute for less money. Rental wise it's a similar story much more affordable than say, Westboro. What am I missing here?

Hello! I have saved approximately ~500 sitting in HISA. I was raised extremely poor so I live very frugally. Was always taught to never put money in stock markets because people lose everything during great depression and so on, jump from buildings. Want to retire in about 5-10 years. I currently rotate my savings across different banks to capture promotional interest periods. Some call it "churning". In a good year I can make roughly 2k per month just doing that. Of course I am taxed on it. I have a normal job which is reasonably secure. The more I've been reading about XEQT the more it seems like a no brainer. I was unfortunately in Asia when the "dip" happened a few weeks ago pertaining to the "Iran war" (going from 42 to 38 apprx) however I would have bought then, although maybe not, because I was hoping it would drop to 35 by the time I got back, but it seems to have sprung up again. Regardless however I am extremely tempted to put the money on it and just keep it there for the next 5-10 years. Theoretically I would save up more and buy incrementally as opportunities and "dips" arose throughout that time horizon. Which seems just to be on the very edge of what I've seen for long-term risk management.

Seems kind of like a no brainer, with double digit returns since XEQT inception. Very tempting. What worries me though is that I've seen a lot of people writing that there has not really been a major financial crisis since 2008-09, XEQT only founded in 2019, so we really don't have anything other than a very strong result for XEQT. I understand the basic idea that it is thousands of stocks very diversified etc. BUT with everything going on in the world I have a thought in the back of my mind like we are right around the corner from global financial catastrophe. I'm not political and I don't want to get political on here but it doesn't seem like things are going well. Is the market being artificially propped up for political reasons and will it eventually burst? I do not know, but I worry.

I was wondering is if I can get some honest impartial perspectives on what I'm going through, maybe some rational thoughts. In particular I was wondering if there is any similar "ETF" that we can compare with, previous major crashes like dot-com, and see how theoretically XEQT compared and how long recovery would have taken.

I have considered going partly in just to get a taste but then the inverse is true, I am afraid it will soar and I will lose out on further potential gains. The whole thing is very frustrating because some days I want to, some days I am against it and I keep watching the stock ticker hoping for a premonition but all I end up is being more indecisive.

Thanks in advance for any kind thoughts, opinions, and advice!