u/Tiny_Town_9352

Sincèrement, je veux vraiment des réponses à cette question, j’y pense toujours TOUT.LE.TEMPS. Personne peut me convaincre que c’est mieux pour le Québec d’engager des firmes de consultants à travers le monde pour éviter de payer un québécois 60-70k par années.

J’ai jamais vu ne serait-ce qu’un partie dénoncer cette tendance enrageante.

Svp des réponses :(

We start tomorrow, it’s my first semester so I’m not sure if this is normal but I have 4 classes (1 online) and moodle says instructor names are N/A and I didn’t receive any course outline from these classes. I’m in comp sci if that matters.

Went to my family doctor and told him I want to get it removed, I told him it’s very important for me and he prescribed me an ultrasound and referred me to a plastic surgeon and told me to tell them it hurts (even though it doesn’t, love that doctor). I’m 20 and do not want to spend my entire live savings on that effin surgery. I know it can be covered if 1) it hurts 2) it is caused by a condition 3) it causes severe psychological distress. Only the 3 option applies to me. I shower with ice cold water every time I leave the house so it doesn’t poke through 🤣. Did anyone manage to get it removed for free? What should I tell the surgeon?

Im 20 and want to buy a house in the next 6 years. I have about 31k wealthsimple (11 on XEQT but im in the process of liquidating everything to eventually go 30 on XEQT in the next 5 months). I am steadily putting 1k a month in XEQT as of now.

I had some placements with the bank before I started investing on my own, about 10k with a 100$ monthly reoccurring investment. I knew there were fees but I wasn’t smart enough to check 2 years ago and only remembered this account just now. The fees are a motherfucking 2.33% annually, assuming XEQT brings 7% every year then this placement would need to beat it by 33% every single year to BREAK EVEN (jeez)

I immediately called my advisor and told him I’d like to pull out everything and transfer, and the guy kept telling me that it’s good to be diversified and that I shouldn’t have everything in the same basket and that the bank has a team of people actively buying and selling stocks compared to my stale etf that will do just okay and nothing crazy.

Until then, I was telling myself that this guy is just bullshitting out of his ass but I didn’t have the heart to tell him I’m pulling out my money so the fat fucking chud that I am told myself that id tell him what he wants to hear then just call another advisor and tell them I want to pull everything out. However, right before he hung up he told me since I want to buy a house, if the bank sees that I’m a loyal customer who manages his money properly and has had reoccurring investments for almost a decade, then I’d surely get a lower interest rate from the bank. And this actually made me pause and wonder if I should just take the hit and pay the day light robbery fee of 2.33% to get a better rate on my mortgage.

TLDR: Should I keep paying a big fee on a managed investment account with my bank to get a better mortgage rate.

P.S: I know that 6 years is not a good enough time horizon for XEQT but I can live with my parents until I have enough money to buy comfortably, I am in no rush whatsoever but 6 years is the goal.

Whenever someone posts their portfolio, I often see comments telling them no reason to buy VFV and XEQT since they overlap.

However, we know the US market has been performing very well over the last decade, and we don’t know if it will keep doing that for the next year or the next decade also, so what is so wrong with holding both? If it’s stops performing that well then so be it, if it keeps performing then also so be it! I’m 20 and have about 30k in XEQT I feel like at my age I can put more in the us market, no? I have another 20k laying around spread across other ETFS (10k will go straight to anthropics when it IPOS this shit is retiring me and everyone on my street I can see the future, /s). I’m thinking the remnant of the 10k can go in VFV.

Whenever I ask advice in real life I often get told that I’m investing and that’s the important part and that I should just forget about it for the next decades, but I’m tired of hearing this sincerely. I genuinely hate working so much and I don’t care I want to retire asap. (Asap as in 30 years). I was using 6% return yearly with a monthly contribution of 1500$ which gave me 1.7M at age 50. Pretty solid. All this to say

TLDR: Should my portfolio be 25-35% VFV while the rest is XEQT?

Is see people also saying XEQT is 7% annualized return is that before reinvesting the gains? I would love to be enlightened

*I really need advice I have asked so many adults around me and I get different answers most of the time*

I am 20 and landed a job at a small company that facilitates EV charging, although the pay is very very low (22$/h), there are tons of benefits such as full insurance coverage on dental and vision, RRSP contribution, flexible PTO, fully remote (work from anywhere).

One of the many benefits is that employees who own an electric vehicle get a 400$ taxable bonus on every paycheck (250$ if hybrid), alongside with free charging at work and a free charging station at home.

I have currently been an intern for 8 months now, meaning I don’t have access to any of the benefits. Although my manager said he’s currently working in a return offer, I am making no commitment until I have signed contracts.

I own a beat up Nissan rogue that I dive one hour back and forth once a week every week. I do not know what will be my situation in 4 years, but I hope to move out with my girlfriend, so I’m wondering if it would make sense to get the car right now to get it paid off as quickly and cheaply as possible before I have real financial burdens. I’ve heard many times that if I take the deal, 1- an electric car will still be a waste of money, 2- I am bound to work at that company for a long time to make my moneys worth.

Please shoot any advice I will read all of it

I am 20 and live with my parents, I am in a position where I can keep investing 95% of my paychecks into an ETF such as XEQT. Assuming I’m able to keep putting aside 24k a year working part time alongside uni, I would have about 150-170k by 2030 if I add my current savings.

Now i hope to be able to buy a house in 2030, would it be better to pull half of my investments (or more) into a down payment to reduce my mortgage or would it be better to put the 5% minimum down payment and not touch my investments? I’m not really sure how to do the math or if there is a standard way to handle this solution.

I am 20 and live with my parents, I am in a position where I can keep invested 95% of my paychecks into an ETF such as XEQT. Assuming I’m able to keep putting aside 24k a year working part time alongside uni, I would have about 150-170k by 2030 if I add my current savings.

Now i hope to be able to buy a house in 2030, would it be better to pull half of my investments (or more) into a down payment to reduce my mortgage or would it be better to put the 5% minimum down payment and not touch my investments? I’m not really sure how to do the math or if there is a standard way to handle this solution.

I am 20 and live with my parents, I am in a position where I can keep invested 95% of my paychecks into an ETF such as XEQT. Assuming I’m able to keep putting aside 24k a year working part time alongside uni, I would have about 150-170k by 2030 if I add my current savings.

Now i hope to be able to buy a house in 2030, would it be better to pull half of my investments (or more) into a down payment to reduce my mortgage or would it be better to put the 5% minimum down payment and not touch my investments? I’m not really sure how to do the math or if there is a standard way to handle this solution.

Looking for an active clan, when I say active I mean so active it’s just a bunch of mf yappers that don’t get off, that’s what’s up