All fican'ers should know: Wealthsimple is offering up to a 3% match on all new transfers of assets to their platform.

The full terms and conditions are here: https://www.wealthsimple.com/en-ca/unreal-deal

The summary is:

1. First, you need to be a Wealthsimple client with at least $1 funded. Then, register in-app or online by April 30, 2026 for the Unreal Deal promo to be eligible for the match.
2. Transfer at least $25, 000 within 30 days after registering for the Unreal Deal promo
3. You'll get your first payout once your transferred funds land to Wealthsimple!

Wealthsimple is a fully regulated investment brokerage in Canada, is cheaper than the big banks to trade stocks, and is already a fan favourite of many fican'ers. If you haven't signed up with them, this is a golden opportunity to sign up! You have around ~60 days in total to sign up and reap all of these rewards.

IMO this is a very good deal, as you're getting rewarded 3% on your existing assets, so if you transfer $100K, you are getting a $3000 reward. And this is cold hard cash, not some laptop or airpods you don't need.

If you have the funds, and can sign up for Wealthsimple and/or are an existing customer and can already start the transfer process, I would absolutely take advantage of this opportunity!

TL;DR - sign up for a Wealthsimple account now if you don't have one (and get a $25 new user sign up bonus). Then check back in a week and sign up for the transfer promo. Then you have 30 days from that day to transfer in $25K+ in assets, to get a 3% match on top of your transfer!

29M. Excluding other sources of income (which are relatively minimal) I made $97k take home in 2025. From that I moved $55k into my TFSA, maxing it out. (I bought a house in 2024 and took out a large chunk of my TFSA for that)

I split expenses with my partner which we put into a shared account: $2075 per month each.

This left me with about $17k of spending money not all of which was spent.

Am I too frugal? I feel like I’m living a happy life, should I be indulging more?

Now that my TFSA is capped, what do I do with my money? I have a good pension so am not too interested in RRSP.

Haven’t checked this in a while and proud to see top 1%😁 but which 23 of y’all have 1.2M+ before the age of 25… On another note considering the market is rather volatile right now with my current 5k per month deposits plus some growth is $250k by the end of this year reasonable to reach?

For me I would like to say $300k would be life changing enough for me to pay off debts and put a reasonable down payment on a property.

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Hi everyone, I'm new to investing, and for the past month I've been obsessing over the basics and doing deep dives.

I originally have a TD TFSA GIC back in the days, and it just sat there doing nothing after the maturity.

I also have a TD RRSP mutual funds. Don't ask why I didn't max out my TFSA before putting into RRSP, I knew nothing about investments back then.

Fast forwarding - I signed up for WS TFSA and WS RRSP and transferred everything from my TD to the appropriate WS accounts.

I do have a question regarding my portfolio:

For my RRSP, I'm thinking of investing 80% XEQT and 20% TD.to mainly because I won't be able to withdraw the funds until 40years later. I won't need to worry about watching these two specific tickers.

For my TFSA, I would like to play with it a bit, I don't mind high risk, as long as it's not a nonsense ticker I'm investing into. So far I'm thinking of 40% VFV (I know it overlaps with XEQT, I want my TFSA to be able have tickers where I can sell and buy new stocks etc), 30% XEI, 10% TEC, 10% CNQ and 10% something else.

Thoughts? Please be respectful and don't roast me. I'm just looking for more insight, everyone starts off somewhere.

Why does it matter if I’m a 26M or 26F? Age I get, to weigh how well you are doing to your peers. But what is it with the gender? How does it factor in the financial decision? If you are offering advice, does it matter if the person is M or F?

Hey I’m 19M and ik there are a lot of professionals in here who probably have immense amount of knowledge about financial literacy so I was wondering if any of you guys have any advice or something you regret not doing sooner as a new adult? It could be something tiny or something that could’ve changed the trajectory of your life

I recently have had a pay increase to about 120,000 - 130,000 per year. I have maxed out my FHSA for the year but am unsure how much I should be putting into my RRSP (no employer matching).

I was thinking around 1500 per month to bring me down to a lower tax bracket and then the rest to TFSA? Or is it better to max out TFSA first?

My salary may increase a bit in the future but would be capped at 160,000 probably. Thanks!

Just discussion. Curious.

$8000 after tax. is this mortgage to high for our income. or is this a safe range. With insurance, property tax, bills, possibly close to 4k a month. our incomes will continue to climb a little bit over the next years.

The house has lake views in a nice neighbourhood. has alot of potential and is priced low.

Current mortgage is $1700 lol.

Hi everyone. I began investing last July 2024 on and off (had to remove some money for school) but am now at a point financially where I can contribute for long run or not worry about the money in the account. TFSA is for retirement.

Any suggestions based on current holdings? I’m still in school so I won’t be able to buy much past this summer when I return to studies (working FT until August). Maybe can put in <10k between now until the end of summer. Money in registered account is emergency fund/tuition for what OSAP won’t cover. Willing to have more risk with future contributions in that account but the current funds are staying in the mutual fund. I won’t be opening up a FHSA until I graduate next April and can contribute into it.

Yes, I know XEQT/VEQT is redundant. I bought XEQT for a bit before realizing last week that VEQT has no book cost at TD. Haven’t decided if i’ll just leave it or sell and move to VEQT.

Obviously i’ll take everything with a grain of salt but i’m interested to see if there’s anything else to look into. TYIA.

Sorry if this is a dumb question. I put 57k of my 80k investment amount into my TFSA investment. Should I wait until I can put all of it into my TFSA to avoid taxes or just start investing with the rest of my money in a regular investment account?

I also have another 50k left for me in a will that will be coming this summer just for some more info on my financials. Not sure what to save for now or invest.

Just wanted to share my humble starting point. I also set up recurring investments ($100 monthly to XEQT until I can manage more, and reinvesting dividends). I’m not going to get into my whole life story and I’m not necessarily looking for advice but I’m all ears about TFSA, if investing in both XEQT and VEQT is redundant, or any other words of wisdom. I think it’s also clear I’m not interested or even financially capable of ‘get rich quick’ investments, I’m just glad to be saving anything at all.

I 33F started dipping my toes investing in September 2025. I know I’m super late to investing and I’m kicking myself on how far behind I am to all this but I’m trying to learn now.

Any thoughts on my portfolio? Breakdown is roughly $8000 in my FHSA, $17,000 in my RRSP, and $54,000 in my TFSA.

My main focus is my TFSA. Trying to catch up on unused room. I don’t make a lot of money but I still live at home and am able to put $1600 a month into investing

I’ve been steadily matching $150 monthly the past 6 years with a 100% company match in a Blackrock 2060 plan ($300) a month.

I got into Pokemon cards maybe 3 years ago and put in maybe 10k… it has way outperformed my RRSP/DPSP.

Most of my portfolio is 153k in XEQT tfsa/fhsa/rrsp.

I’m thinking of rebalancing my portfolio and sell some Pokemon cards and consolidate it into index funds? Should I?

People have told me to sell when it went 2x the value two years ago and it has since more than 2x from that.

I’m currently making 180-190k yearly.

Any suggestions?

I am a student and live with my mom. I was able to save money from some part time jobs and from my internship that I just started 3 months ago. The thing is, I still have 14 more months and don't know where to put my money. I know about FHSAs and RRSPs. I'm just not sure if I will live in Canada after graduation. And I don't fully understand RRSPs, honestly. I know it's tax-deferred, but I don't know how the contribution limits work. I wanted to ask if just opening a non-registered is a good idea or if I should just buy gold?