r/tfsa

“This is TFSA Trouncers, a series that profiles how Canadian investors invest their tax-free savings accounts. Whether you’ve been successful in growing your TFSA or not, we’d like to hear from you. Please fill out this form to contribute. You may choose to be anonymous, but we do require an e-mail address and may request a screengrab of your portfolio for fact-checking purposes.”

Looking for some feedback on a 15+ year TFSA portfolio on Wealthsimple. I want higher expected returns than plain 100% XEQT by pairing modest structural leverage (~1.15x net beta) with a solid small-cap value factor tilt.

​I'm torn between two setups:

​Option 1 (3-Fund Mix)

​60% HEQL (1.25x leveraged global equity)

​20% CASV (Avantis global small-cap value)

​20% ATSX (Accelerate 150/50 long/short)

​Option 2 (Clean 2-Fund Factor)

​70% HEQL (1.25x leveraged global equity)

​30% CAUV (Avantis US small-cap value)

​

​For those holding HEQL, how do you feel about the cash borrowing drag in the current interest rate environment?

​Is ATSX’s long/short alpha worth the fee structure and lower liquidity, or is a pure long-only factor like CAUV a cleaner play long-term?

​Which of the two setups would you run for pure long-term compounding? (😅 I know just buy xeqt is popular but i want higher risk and reward)

I am very new to stocks btw, I am an engineer who just started with stocks.

I’m 17 years old M, and looking to open my own TFSA and RRSP. I have a few questions I’d like to hear a few answers to

1
From a literal standpoint, how should I open these accounts?

Through an online brokerage, through a bank, which bank, which brokerage, etc…
I’m looking for the best option for LONGTERM investing, and obviously trying to reduce fees and taxes as much as possible.

2
Are there loopholes to getting around contribution limits?

On this thread I’ve seen multiple posts of people in their early 20s with upwards of $100,000 in their TFSA accounts, and even more for RRSPs. Did they just bet all their money on penny stocks and one took off? How do these people invest so much so early

3
What do your guys’s accounts and investment strategies look like,

If you are someone with a large sum of money in these accounts how did you do it, why did you chose your specific investments, what advice would you give me as a 17 year old just getting started, I have experience in basic investing as I’ve run a TFSA under my dads name from when I was around 15 years old, but just curious on your outlooks and experience too.

Thank you!

You invest money under your parents tfsa after you max out your own fhsa and tfsa?

FYI parents have nothing contributed meaning they have 100k plus in contribution room

And this is after every year you max out your fhsa and tfsa

Was wondering if anyone had any advice on how to lower my capital gains tax. I got hit hard last year from my investment account distributions and have maxed out my TFSA and RRSP. I also know it’s a “nice” problem to have, it’s just frustrating and looking at ways to mitigate my capital gains tax bill. Thanks!

When it comes to quality, moat, dividend growth, resilience, buybacks, shareholder friendliness and longevity, what are your top 3 picks if you want sleep at night/live off dividends forever type of stocks?

J’ai un celi avec banque national et un celiapp et 2 compte non enregistré vfv et xqq me conseillez vous de rajouter xiu ou xeqt ?

Hi guys,
I’ve been eligible to contribute into a TFSA account since 2023
Today I decided to check my CRA account to be sure and it’s showing 16500, which doesn’t make any sense regardless of how I look at it.
If 2026 isn’t counted, then I should have 6500 from 2023, 7000 from 2024 and another 7k from 2025. Which would mean 20500.
If you exclude 2023, then I should have 14k and if you exclude 2025&6 then it should be 13500.

The math isn’t mathing and I’ve contributed a total of 17k so I’m so confused. I was about to add some more cash but I’m so scared to exceed my limit. My CRA account has a small warning message and Im not sure if that exclusive to all those who’ve exceeded their limits or if it’s general.
I need some advice please💜

I have about $200,000 to invest. ~109,000 could go into a TFSA.

Where is the best place(s)to invest. thinking that I will not have to withdraw it for 15 - 20 years?

Investing in ETF's

Hi, Im a 21 year old female looking at getting into investing. Ive decided that I want to open a self directed tfsa with my bank (BMO). I have $15,000 in a regular savings account that i want to invest and grow long term. I have done my research and have looked in to ETF's like XEQT, VEQT, VGRO, VFV, etc. Although i have done some research I am still feeling anxious about making the next step. So i guess im just looking for some overall advice on where/how to begin.

(I live in Canada incase that matters)

Worth it to just slam 100% XEQT? I’m 24 just transferred it to a self managed account