19M, any advice?
My target is for long term growth and investments. I am currently a student studying software engineering and I invest when i get my co-op paycheques or sometimes part time paychecks.
Long-term wealth building is the main goal, 20+ year horizon — I'm 19 so full equity, no bonds, no income plays. Core is roughly 60% global equity through VFV, XEQT, and QQC giving me US large cap, global diversification, and Nasdaq tech exposure, then ~20% international through XEF and ZID for developed and India emerging markets, ~9% Canadian financials via ZEB, and smaller satellite positions in SHLD, CNQ, ZCN, and 3% ZGLD as a non-correlated ballast. Overall philosophy is buy-and-hold index investing with a tilt toward sectors I have conviction in, contributing ~$100/ETF per paycheck and letting compounding do the work in my TFSA. That said, I'm also open to some short-term high-risk plays for aggressive growth on the side — just keeping that separate from the core long-term strategy