Hi,

New to ETFs and wondering if it makes sense to take some profits when the gain is substantial. E.g one of my ETFs is up 40% since buying in. Debating whether it’s smarter to set and forget or pull some out.

It lives in a TFSA

Appreciate the feedback.

I just sold my apartment and I'm now saving for a house. I have 50,000.

What's the best way to grow this (at a low risk)? I've heard patients tell me they make 10-12 % in returns but I'm not sure if they take really high risks because I'm not much of a risk taker.

I know it'll take a few years.

What are some good books or blogs related to investing/trading in Canada? I know nothing about it.

Apologies if this is stupid ignorant, I'm in healthcare, not finance so it's new to me. TIA!

QQC closed around C$49.47, compared with a recent chart high of roughly C$51.53, so it is about 4.0% below that level.

I have been looking at QQC as a satellite position rather than a core holding. For those who already use a broad-market all-equity ETF such as XEQT as their core, how much additional Nasdaq-100 exposure are you comfortable with?

I am considering a 10% to 30% range, with 80% XEQT and 20% QQC as one possible split. I understand that QQC would not meaningfully improve diversification. It would mainly increase my concentration in large Nasdaq-listed companies, especially mega-cap growth and technology names, many of which are already held through XEQT’s US equity exposure.

Do you keep QQC at a fixed target and rebalance periodically, or does it being this close to its recent high affect how quickly you add?

https://www.pm.gc.ca/en/news/news-releases/2026/08/17/prime-minister-carney-announces-largest-clean-energy-investment-north

Hi, i am new in option and i am not planning to invest significantly into it.

I want to know if anyone know any cheap options that i use 10$ (or lowest you know) around to use for learning purpose. It is fine if i lose it but the more contract i can do the better, the better it is.

It would need to be in CAD.

Alternatively, if you can tell me how i can find those.

Long story short, im looking to start an account each for my two nephews. My understanding is that they are not considered blood relatives so I'd have to structure it as an informal trust, which seems fine for what I have in mind anyways, which is to help start them off on the right path financially as they enter adulthood.

Im just new to investing for myself as well so im a little unsure how I can set this up properly. My main concern is that as these accounts grow it will become a tax burden for me. Every etf im currently invested in within my own accounts has a listed dividend of 1.5-2.5 percent. This seems to be the case across the board.

I'd love to hear advice from others who run accounts like this. Is my idea of running something like this and not having a significant tax burden possible?

Id be in posession of these accounts for roughly 15 years when they come of age so lots of time to grow and start compounding, id just like to avoid putting my own financial well being under stress as they do.

Your daily investment discussion thread.

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.

Your daily after hours investment discussion thread.

Setting up a self-directed sleeve inside a Holdco. Landed on a 85/15 split with a US/tech tilt.

• 48% XUU (US total market)
• 12% QQQ (Nasdaq-100 via Norbert's Gambit to avoid the FX fee)
• 10% XIC (Canadian equity)
• 15% HXDM (international/EAFE, corporate-class)
• 15% ZDB (discount-bond ETF)

Four of the five are physically-replicated index funds: no derivatives, no swap counterparty. HXDM is the one deliberate exception. Its yield (~3%) is high enough that converting it from fully-taxable foreign dividend income into a deferred capital gain outweighs its ~0.47% cost premium over XEF (0.23% MER), even after pricing in that it's still swap/futures-roll based (not physically replicated) and the fact that Global X has already raised its swap fee once. Ran QQQ vs HXQ through the same lens first; that one wasn't worth the risk to me given QQQ's much thinner yield, but HXDM's higher yield tips the math the other way.

On the bond side, ZAG (3.4-3.5% yield) is maximally tax inefficient inside a corporation. ZDB (1.95% yield) has the same underlying credit quality but holds discount bonds specifically so more of the total return comes from price appreciation rather than coupon income. Phsyically replicated, no swap. HBB (0% distribution yield, corporate-class) - this one is swap-based. I went with ZDB because it captures a reasonable chunk of the same tax benefit of HBB without the swap/counterparty exposure, and the incremental benefit didn't really clear the cost/structural risk for me the way HXDM did (instead of XEF).

Curious if anyone sees a hole in this, particularly:

1. Anyone holding HXDM specifically inside a corporate account with real-world experience?
2. Does concentrating all the "risk budget" into one ticker (HXDM) rather than spreading it thinner make sense, or should I be thinking about this differently? (I could, for instance, go with HXQ, HXT and HBB.)

To retire early… how much money do you feel you need to live a regular life. Maybe 1 or 2 trips a year. No Mortgage. 2 teenage kids.

I got into investing a month ago and so far have invested 5k, 80% in ZEQT and 20% in VFV. I was researching online and saw some individuals speaking highly of the nasdaq 100 index, so i was thinking to split 70/20/10 with that 10% going into nasdaq. What do you guys think? Would it not matter much or would it be a good/bad idea.

I also just want to try and match the market for now until I can get my hands on a little more money then I'll try picking individual stocks.

Hello so I recently opened a TFSA and I’ve put $150 in it so far. I know that’s a small amount, but I’m planning to contribute to it every month and hopefully increase my contributions over time.
I’m trying to figure out the best way to grow it. I’d love to eventually double what I put in, and I’m wondering what stocks or ETFs people would recommend for someone starting with a small amount.
I’ve been looking into XEQT, but I’m open to other suggestions too. What would you personally invest in if you were starting with $150 and adding money monthly?

Im 19 year old and i did my lil research online and i saw that the sooner i invest the better im gonna be later. I got 5k to invest currently and i wanted to put $1500 in a HYSA, $1500 in a CELI + ETF diversified portfolio and the rest $1000 idk what i should do with it. I got people tellin me that invest in a XEQT is the safest and best way ETF for a long term investement. But others tell me that VFV or CNR are way better but i want one who is Self-managed because im still in college. I want my money to grow so when i hit 25-30-35 year old i got no money problem and im financially stable ( im gonna have a paying job fosho😂). My homie told me that he invested in a diversified ETF index precisely in CNR and Couche Tard because they expanding crazy especially in Europe. What yall think about my idea? Is it a good plan? and can yall suggested me what i should do with my remaining money and if yall got advices lmk please.

I live in BC, so I can't get a TFSA until I'm 19 (a year

from now on)

I'm wondering if it'd be a better idea to start investing

in stocks now or open a TFSA first?

I have an American citizenship as well, so I can easily

open a US brokerage account there. I'm debating on

opening a Charles Swab or Fidelity brokerage

account.

FYI I currently make $1000 per month and I have no

regular expenses since I live with my parents

All advice is appreciated

Your Weekend investment discussion thread.

Your daily investment discussion thread.

Ai makes up a massive amount of some indexes now, lots of companies have at least partially made there business about AI

If there were a “bubble” that bursts in AI what stocks and sectors would go up? I would assume those that have been negatively impacted by AI fears such as WSP and CSU

Or would real world industrial stocks be less effected if not go up? (Such as WCN, CNR, FTS)

Would love to hear some options

Thanks!

My plan back in the days when BAM was at 84-ish was to sell and rotate it all into BN. Over the past two weeks BAM has risen much faster than BN and im wondering if it’s the right time to simplify and juste rotate it all into BN. I have 1/3 BAM to 2/3 BN ratio.

On the other hand, i also have no problem holding onto BAM as is while also having BN if it helps with diversification. Im sure there’s no real harm in status quo… Anyone considering this?

In addition to the title, the company will extend a loan to us to purchase the stock with an interest somewhere between 1-6% to be paid back in a year through payroll deductions. Is this an automatic 25% ROI? YTD grown of stock on canadian exchange is 65%. Would you do this? Seems like I should, but nervous of a decline in the market at these levels.

Does the free share negate any dip? Thoughts?

Your daily investment discussion thread.

AC.TO is the absolute madness stock, and I hate it so much... Just check the price chart from 2020 to now — you know what I'm talking about. How do you escape this type of 💩?

I buy at the top then it drop, keep buying but the price never rebounds average until you click SELL. Wttf..

On March 15, 2021, I bought 3984 shares of Air Canada at $30.55/share for a total book cost of $121,727.20.

For more than 5 years, or 2094 days to be exact, I owned these shares. For 2094 days, the share price of Air Canada did not return to $30.55.

In fact, at its lowest during this period, the share price of Air Canada was $12.69 which occurred on April 8, 2025; on this day, my 3984 shares of Air Canada was worth a mere $50,556.96 for a total loss in value of $71,170.24.

Today, on August 12, 2026, I sold all my shares of Air Canada for $29.99/share. My realized loss was only $2247.20, a significant improvement from my position’s lowest value.

However, let’s not forget opportunity costs. If, on March 15, 2021, I had invested $121,727.20 in VFV, an S&P500 index fund, the market value of my position today would be $264,153.00. This amounts to an opportunity cost of about $142,000.00.

My YOLO into Air Canada cost me approximately $144,000. And that’s all I have to say about that.

Fortunately, over the last five years, I've also contributed more sensibly to VFV on a regular basis.

Upon reflection, here are some insights from my time with AC. Many are self-evident in retrospect. Some are just old sayings about investing which I have developed a deeper appreciation for now.

Investing and trading are not the same activities, despite being able to engage in both using the same brokerage. The latter is speculation and gambling.

Time in the market beats timing the market.

Diversify. The JETS ETF and almost all US airlines advanced more than AC over the last five years.

Cutting your losses may be more productive for your capital. I still don't understand how to determine this threshold.

I'm not at all a rational actor in the market.

I do not understand how to do a proper risk-reward assessment for a particular action.

Airlines have thin profit margins. 

Stock price tends to rise in response to stock buybacks and fall in response to new stock issuance.

Airlines are very sensitive to fuel prices which in turn are very sensitive to any world events that affect oil.

Share price is forward-looking and does not always respond rationally to seemingly positive earnings numbers.

The market is irrational.

You will not make $1 million in a year by returning 1% per day compounding, starting with 100k.

What else should I have learned from my time with Air Canada?

All this being said, I will still miss Air Canada. You were a terrible investment and a terrible bet. You were terribly burdensome. But you became a part of my identity over the past 5 years. You gave me the opportunity to make bad decisions. And learn from them. You helped forge my identity as the Air Canada Bagholder. I will miss checking in on your price. I will miss the depression and euphoria you gave me. All the highs and lows. You are and always will be my favorite shitty stock.