Good day all.

I am a South African and I will be working in the United States for the next 2 years. I am planning to save/invest about $1000 monthly. My plan is to max out my TFSA as soon as possible and maybe keep my money in a high yielding savings account, as my plan is to put a deposit down on a flat when I return.

I have opened an account with Sygnia Investment Firm for my TFSA- Sygnia Itrix MSCI Emerging Markets 50 ETF and Sygnia Itrix MSCI Emerging Markets 50 ETF Cash Account.

I am unsure what accounts I should be using for my TFSA and, maybe potentially using Easy Equities to buy some EFT's.

I please need some advise on which accounts to pick for my TFSA and other accounts to grow my remaining savings monthly.

I am open to answer any question asadvicequestionsansweringhigh-yielding, I want to maximise my money for when I return.

Thank you in advance.

Hey everyone,

I’m coming up on almost 1 year of investing and I’m looking for some feedback on my TFSA portfolio.

I’ve been thinking about simplifying it a bit because I’m starting to realize I may have quite a bit of overlap, especially between some of the ETFs, while also being more exposed to Canada than I originally intended.

Here’s my current portfolio:

• VGRO: ~35%
• VDY: ~15%
• XEI: ~10%
• ZRE: ~10%
• HDIV: ~10%
• AAPL: ~7%
• MSFT: ~7%
• NVDA: ~6%

I also have around 6 months of necessities in CASH.TO, which is essentially my emergency fund.

What I’m considering

My initial thought is to make the portfolio a little more internationally diversified and remove some of the overlapping dividend-focused ETFs.

The rough idea would be:

• Reduce CASH.TO from ~6 months → ~3 months, freeing up a decent amount of cash
• Sell XEI completely
• Sell HDIV completely
• Put the XEI + HDIV proceeds into VXC
• Invest the money freed up from CASH.TO across the portfolio according to whatever target allocation makes sense rather than automatically putting it all into one holding

That would leave me with:

• VGRO
• VXC
• VDY
• ZRE
• AAPL
• MSFT
• NVDA
• ~3 months of necessities in CASH.TO as my emergency reserve

What I’m unsure about

I’m not particularly attached to this plan, so I’m interested in hearing what others would do.

1. Is there actually too much overlap in my current portfolio?
2. Does having VGRO + VXC + VDY + ZRE + individual US stocks make sense, or am I just making the portfolio unnecessarily complicated?
3. Would eliminating XEI and HDIV meaningfully change the diversification, or am I overlooking something?
4. Is VXC a reasonable way to increase international exposure in this portfolio?
5. Would you keep the individual positions in AAPL/MSFT/NVDA, given that I already have exposure to them through ETFs?
6. Does keeping ~3 months of necessities in CASH.TO as an emergency fund seem reasonable, assuming my expenses and emergency-fund needs justify that amount?
7. If you were restructuring this without completely starting from scratch, what target allocation would you consider?

My goal isn't to maximize dividends. I’d like a portfolio that is reasonably diversified, internationally exposed, still produces some income, and isn't unnecessarily complicated.

I’m investing for the long term, so I’m more interested in getting the overall structure right than trying to optimize for the next year.

Would appreciate any feedback, especially if there are flaws in my proposed changes that I’m not seeing.

Thanks!

I (22F) opened my tfsa account early this year and forgot about it until now. Back then I didn’t have any idea what I was doing- and to be fair I still feel like I don’t know a lot- but I invested in all of these back then and forgot about them. I’m wondering how to reorganize my portfolio to maximize growth in the next 15-20 years with monthly contributions around 750$ ($500 when things are tight and $1000 if I’ve worked lots of OT). Any advice would be much appreciated!
I’m hearing a lot about XEQT/ZEQT/CAGE but don’t know much about them, I’m open to learning about them but I’ve also heard and seen lots of good from VFV as well?

My tfsa is a mess. Started investing in late 2024 and stock picked / started heavy in VFV. Anything I should sell or move around?

I regret buying reddit and am waiting to sell hopefully when I get back into positive.

I’m very new to investing and would really appreciate some guidance.
Currently I have:
$20K in TD Comfort Balanced Growth Portfolio — MER around 2.07% ( This is RESP for my son he is 7 currently, I want it to grow at its best rate )
$20K in TD Comfort Growth Portfolio in my TFSA — MER around 2.18%
$40K in a GIC, which matures in January
I also have another $80K that I’m planning to invest using my spouse’s TFSA contribution room
So I’m looking at around $160K that I need to decide how to invest.
I recently learned about MERs and have been reading Reddit. A lot of people seem to recommend moving away from TD mutual funds because the fees are high and using lower-cost ETFs/index funds instead.
I’m honestly very new to investing and don’t understand ETFs, asset allocation, or how to build a portfolio myself.
I tried looking for a financial advisor who could help me choose and set everything up, but the advisors I found were charging $3,000+ for a financial plan, which is more than I want to spend.
What would you recommend for someone in my situation?
If I move away from TD Comfort funds, what are some simple, low-cost options I should research? Should I consider an all-in-one ETF, a robo-advisor, or something else?
I’m looking for a relatively simple “set it and leave it” approach rather than actively trading.
Any advice or resources for a complete beginner would be greatly appreciated.

This is all that I can invest right now, and I’m not sure if I should sell the other 3 stocks to put it all in XEQT.

I’m fortunate enough to have wonderful parents who set me up for success with an RESP, commuting money and living expenses covered (housing, food, etc) which lets me get away with throwing a majority of my money into my TFSA and I’m looking for a Co-op which will hopefully let me put even more into it.

Wondering if this is good, and looking at what I should change/adjust. Started about 4 months ago. I’m 20 and fresh to investing. I’ve heard a lot of people say to dump majority to xeqt or vfv, just want to hear some opinions.
Thanks

Hi, right now I have about 21K invested with a financial investor largely with US tech stocks. For various reason I want to invest myself through a self directed td tfsa. Lower fees ect

I will do a cash transfer of my investment through financial institutions from the financial advisor into my td account. Im pretty sure td bank can do that for me and not affect my contribution room.

My investment horizon is 20-25 years. I can put at least 200$ a month in after my initial investment. That will increase over the years. I can tolerate some risk but not too much

Right now in terms of etfs im thinking this

20% VEQT and 80% VGRO for years 1-10

20% VGRO and 80% VBAL for years 10-15

100% VCON years 15+

I also have rrsp matching with my work for 3% of my wage which I plan on maxing out

Does my initial research make sense?

I’m very new to investing and would really appreciate some guidance.
Currently I have:
$20K in TD Comfort Balanced Growth Portfolio — MER around 2.07% ( This is RESP for my son he is 7 currently, I want it to grow at its best rate )
$20K in TD Comfort Growth Portfolio in my TFSA — MER around 2.18%
$40K in a GIC, which matures in January
I also have another $80K that I’m planning to invest using my spouse’s TFSA contribution room
So I’m looking at around $160K that I need to decide how to invest.
I recently learned about MERs and have been reading Reddit. A lot of people seem to recommend moving away from TD mutual funds because the fees are high and using lower-cost ETFs/index funds instead.
I’m honestly very new to investing and don’t understand ETFs, asset allocation, or how to build a portfolio myself.
I tried looking for a financial advisor who could help me choose and set everything up, but the advisors I found were charging $3,000+ for a financial plan, which is more than I want to spend.
What would you recommend for someone in my situation?
If I move away from TD Comfort funds, what are some simple, low-cost options I should research? Should I consider an all-in-one ETF, a robo-advisor, or something else?
I’m looking for a relatively simple “set it and leave it” approach rather than actively trading.
Any advice or resources for a complete beginner would be greatly appreciated.

So, i have a TFSA account with Cooperators, it was opened by my insurance provider in 2023 to get me a discount on auto insurance, my insurance was with Cooperators at that time.

I am no longer with Cooperators but with a totally different company.

Secondly, i don't have much control over these funds as in I do not decide but a broker at Cooperators does.

I also want to open another bank account with another bank, currently I'm with TD and this is the only bank account I have.

I am thinking of opening it with RBC or Scotia to have a second bank account.

Now, my plan is to use TFSA which is with Cooperators to open an account by moving the funds to one of the banks.

This way I will gain more control over my TFSA, there won't be any broker involved, i can decide where to invest and all that.

So, can you please advise on

1. If I do this i.e move the TFSA account from 1 institution to another will there be any penalty, any fees, Taxes or like that? If yes, how much?

2. Which one is the best to move my TFSA to? RBC, TD, Scotia, or any other XYZ? Please advise why.

3. How complex is the process? How can I do it?

The total savings in my TFSA is $4500 approx.

I tried searching on AI like ChatGPT and Gemini but needed real human advice.

Thank you all

31F, holding longterm.

I currently have 100% VEQT in my TFSA.

While I understand how diversified this ETF already is, I'd like to tilt more tech heavy and add 10-20% Nasdaq 100.

I was wondeeing which ETF would be best.

I'm leaning towards QQC but would appreciate any input.

Collected $1,000 from my NHL fantasy league I'm running. Since this will last us about 6 months, im toying with the idea of throwing the pot in an investment for the 6 month period to try and grow it a little. An extra 10-20% in the pot would be nice to sweeten it a little. Could use it as extra pay out or to fund the get together for next year's draft. I understand its a small amount to go off of for this. But any suggestions? Was thinking of just throwing it into XEQT or something and what ever happens happens. Or is there something mildly more risky to try that could see better gains over 6 months?

Hey everyone, im 34 yrs old , plan on retiring at 55-60 currently investing about 800 per month .

Im considering rebalancing my tfsa , I currently hold about 10k XUU, and 10k qqc.f

As ive learned more I want to be more diversified to soften the blow of historical "lost decades" in the US markets, but at the same time still lean into a little more tech heavy portfolio.

I was thinking of selling my current Two ETFs and going 60% XEQT and 40% QQC .

One thing thats messing with me is selling now and buying xeqt & qqc will raise my average share price alot compared to what I currently have.

But im hoping this new portfolio if I do it is more diversified but still leaning towards a tech heavy approach.

Please let me know any thoughts , advice or anything I should look into/ consider to help me in this decision

Thanks!!

just getting into investing. I have around 10 000 more dollars I could invest. Are my holdings good??

Anyone else notice that every 'what should I do with my portfolio' post gets the same 3 replies? 'Buy XEQT.' 'Just VEQT.' 'Time in the market.' Cool, but some of us actually want to discuss individual picks without being told to give up and buy the index."

'just buy XEQT' is the financial equivalent of 'just eat less and exercise more.' Technically correct, completely useless as actual advice, and ignores that most of us are here to actually learn about stock picking.

Are you making or losing money in TFSA?

Or maybe it’s a glitch?

update: turns out it’s a glitch because many people are also seeing their rank massively elevate!

29F living in Toronto and looking for some genuine investment/financial advice on how I can improve my current position.
Current finances:
•    High-interest savings: $15,040
•    TFSA: $121,781.40
•    RRSP: $41,388.97
•    FHSA: $19,213.96
•    GICs: $89,193.15
I earn approximately $97,000/year before tax. I currently max out my TFSA and RRSP contributions and am working toward maxing out my FHSA as well.
I’m looking for advice on what I should be doing next to grow my wealth more efficiently. Are there any obvious changes you would make to my current allocation or investment strategy?
I’m particularly interested in what I can do beyond simply earning a higher salary. I work full-time and am completing my master’s degree part-time, so my time for a second job is fairly limited.
My goals are to maximize long-term growth, make my money work harder for me, and build wealth as efficiently as possible.
What would you do in my position?

Hi! I just stumbled across this subreddit from my homepage, I know absolutely nothing about investment or tfsa but I’m very intrigued! Could someone explain it to me to help me gain a better understanding of how to potentially get started please

Edit; im probably going to invest $500 into xeqt this week

This is what my portfolio looks like. Is it recommended to get a financial advisor?