u/probaly64

I’m curious how everyone approaches their RRSP.

A lot of people seem to treat it as a place to hold cash or GICs, while others use it to invest in ETFs, index funds, individual stocks, bonds, or mutual funds. Since investments inside an RRSP can grow tax-deferred until withdrawal, it seems like there are quite a few different strategies depending on your goals and risk tolerance.

For those who actively invest, what has your experience been? Do you prefer broad market ETFs, dividend stocks, growth stocks, or something else? If you keep your RRSP mostly in cash or GICs, what’s your reasoning?

There’s no right or wrong answer—everyone’s financial situation and risk tolerance are different. I’m just interested in hearing how others think about using their RRSP for long-term investing and what you’ve learned along the way.

Gold has been on an incredible run, yet platinum still seems surprisingly undervalued by comparison.
It makes me wonder whether platinum is being overlooked as a long-term investment. Historically, platinum has often traded at a premium to gold, but for years now it’s remained well below gold’s price despite being rarer and having important industrial uses.

If gold continues to price in economic uncertainty, inflation, and central bank demand, could platinum eventually play catch-up? Or has the market fundamentally changed because of shifts in industrial demand and EV adoption?

I’m not saying platinum is guaranteed to outperform or that anyone should rush out and buy it. I’m just curious whether this is one of those assets that the market is ignoring until sentiment changes.

What do you think? Is platinum a value opportunity for the next 5–10 years, or is there a good reason it’s still lagging while gold keeps breaking records?

Gold has been on an incredible run, yet platinum still seems surprisingly undervalued by comparison.
It makes me wonder whether platinum is being overlooked as a long-term investment. Historically, platinum has often traded at a premium to gold, but for years now it’s remained well below gold’s price despite being rarer and having important industrial uses.

If gold continues to price in economic uncertainty, inflation, and central bank demand, could platinum eventually play catch-up? Or has the market fundamentally changed because of shifts in industrial demand and EV adoption?

I’m not saying platinum is guaranteed to outperform or that anyone should rush out and buy it. I’m just curious whether this is one of those assets that the market is ignoring until sentiment changes.

What do you think? Is platinum a value opportunity for the next 5–10 years, or is there a good reason it’s still lagging while gold keeps breaking records?

Lately, gold has been climbing while many people are still focused on stocks, real estate, and AI. Historically, investors often move toward gold when they’re worried about uncertainty, inflation, debt, or the possibility that financial assets are priced too aggressively.

When I look around today, I see several areas that people believe can only keep going up: AI valuations, expensive housing in many markets, and massive expectations around the private space industry. None of these are guaranteed to fail, but history shows that whenever everyone believes an asset can only rise, risk tends to build beneath the surface.

Housing affordability is already stretched for many buyers. Companies are spending billions on AI with the expectation of future profits that may take years to materialize. The space industry has incredible long-term potential, but expectations can sometimes outpace reality in the short term.

Gold doesn’t generate earnings or rent, so when investors choose it over productive assets, it often reflects a desire for safety rather than growth. That doesn’t automatically mean a recession or market crash is coming, but it may suggest that some investors are becoming more cautious.

I’m not saying everything is about to collapse. Markets can stay expensive longer than people expect. But it’s worth asking whether we’re approaching another period where asset prices need to reconnect with what people can realistically afford and what businesses can actually earn.

Curious to hear everyone’s thoughts. Is the rise in gold simply inflation and central bank buying, or is it an early warning that parts of today’s economy have become too dependent on optimism?

If you’re on the fence about buying a home right now, seriously consider waiting.

Prices have already started coming down in many areas, and there are still several factors putting downward pressure on the market. Affordability remains one of the biggest issues. Even households with two average incomes often struggle to qualify for or comfortably carry today’s mortgage payments, especially with higher interest rates and rising living costs.

The job market has also become less certain in many sectors, making people more cautious about taking on large amounts of debt. At the same time, recent changes to government policies are expected to slow population compared with the rapid increases seen in previous years. That could reduce the pace of housing demand, particularly in markets that were expecting continued growth.

Another thing to consider is supply. During the housing boom, developers launched a large number of projects, and many homes have already been completed or are still under construction. In some neighbourhoods, you’ll also find vacant homes and investor-owned properties. If demand softens while supply continues to increase, prices could remain under pressure.

I’d be especially cautious about pre-construction purchases. If resale homes are already declining in value, paying today’s pre-construction prices could mean taking on additional risk, especially if market conditions change before the project is completed.
No one can predict the market with certainty, but rushing into one of the biggest financial decisions of your life because of FOMO rarely ends well. Buy when the numbers make sense for your income and long-term plans—not because someone tells you prices can only go up.

What do you think? Are we still in the early stages of a correction, or do you think the market has already found its bottom?

Am I the only one looking at the GTA market and wondering who’s still paying $750k for old detached houses that need another $100k–$200k in renovations?

Some of these homes are 50–80 years old, with outdated electrical, plumbing, roofs, windows, and insulation, yet they’re still listed like they’re luxury properties. In my opinion, many of these houses would be worth closer to $350k based on their actual condition—not the land value or years of market hype.

With higher interest rates, affordability issues, and more inventory coming onto the market, it feels like prices still haven’t fully adjusted to reality. I think buyers who aren’t in a rush should stay patient. Markets move in cycles, and it wouldn’t surprise me if detached homes continue trending down before finding a true floor.

Curious what everyone else thinks. Are we still in a pricing bubble, or do you believe these valuations are justified?

Am I the only one looking at the GTA market and wondering who’s still paying $750k for old detached houses that need another $100k–$200k in renovations?

Some of these homes are many years old, with outdated electrical, plumbing, roofs, windows, and insulation, yet they’re still listed like they’re luxury properties. In my opinion, many of these houses would be worth closer to $350k based on their actual condition—not the land value or years of market hype.

With higher interest rates, affordability issues, and more inventory coming onto the market, it feels like prices still haven’t fully adjusted to reality. I think buyers who aren’t in a rush should stay patient. Markets move in cycles, and it wouldn’t surprise me if detached homes continue trending down before finding a true floor.

Curious what everyone else thinks. Are we still in a pricing bubble, or do you believe these valuations are justified?