u/ExpertClassic4973

Recently inherited 100k from grandparent. I have maxed out all registered accounts ($22k ish) in TFSA $8,400 in RRSP, $24k in FHSA. Most of the holding are VEQT with a little GOOG and AAPL sprinkled into the TFSA. My options are as follows:

1. Invest the remainder in a non-restored cash account (VEQT) most likely. And wait for more money to. Use towards next years contribution limits (I anticipate inheriting more).

2. Sit on the remainder in a HYSA and wait for my contribution room to open up in 2027. This is the safer play as I am unsure if I will be able to max out contributions next year based on my income alone as I am still in university.

Any thoughts or comments welcome!

Thanks