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@mamadacca Always have been using questrade!

@mamadacca TFSA - With the most aggressive Vanguard ETF (100% stocks, 0% bonds) :)!

@asmodea Awesome, thank you so much for the detailed response! I plan to use all of John's spreadsheets before putting any money in! Appreciate all the help again!

@asmodea Oh and lastly! Just to double check I'm not crazy.... The book Millionaire Teacher and The Value of Simple mentioned about rebalancing atleast once a year. We shouldn't time the market and only rebalance once a year, correct? For example, if the market will crash in Jan 2022-...

@asmodea Ah that makes a lot more sense, thank you!!

@asmodea Thank you for taking the extra effort by sharing the video! > For example the rate for VGRO (or XGRO) would be about 4.5% + .24% = 4.74%. Why are we adding the management fee back though? Shouldn't it be subtracting the management fee since it's part of the MER. So for example, if...

@asmodea Awesome! thank you so much! I think ~1.7million by 70 is correct now! Although, I didn't mind being a multi-millionaire by 70 https://gyazo.com/9ce1ef95badd1ae022a1352b52166327 > When people do these comparison I urge them to also think about how the extra will affect their...

@asmodea Thank you so much for the detailed response!!! Definitly agree with you, out of sight out of mind :)! I'm definitely leaning on all-in-one ETFs for simplicity and the reasons you stated. Out of curisoity I wanted to figure out how much money I'll "lose" if I were disciplined about...

@asmodea A follow up! do you personally ever suggest having DIY / individual ETFs compared to an all-in-one ETF like XBAL? After reading: https://www.canadianportfoliomanagerblog.com/vanguards-hip-new-asset-allocation-etfs/ I know they essentially yield the same results! But I also came...

@asmodea Makes sense, thank you for all your help!!

@philtheolus Got it! thank you for everything! appreciate it!

@asmodea Thank you so much for sharing the resources!! A few followups! > If you will be making regular contributions I definitely will; monthly if it makes a difference. The hybrid approach is interesting and I'll keep it in the back of my mind! > at you use Questrade and Blackrock’s...

@philtheolus Oh and a small followup, as my portfolio gets larger in size, is there a situation where I should start making my own individual ETFs such as (and ditch all-in-one ETFs like VGRO): XIU = Canadian Stock Index XBB = Canadian Bond Index XIN = International Stock Index XSP = U.S...

@shekinah1978 Thank you for clarifying that up! I got it mixed up!

@philtheolus makes sense! than you :)!

@electropterodactyl Thank you for clarifying!

@philtheolus Thank you! I looked into it and it sounds promising! The MER'S are roughly the same and from a quick glance it looks like there is no commission fee. However, Questrade seems to be popular choice, is there something I'm missing from Questrade compared to Vanguard?

Asking because after reading a few posts made year(s) ago, I'm wondering if the MER & Commision changed this year. TFSA Contriubtion Room : 23,500 Portfolio: 10% index bonds, 90% index funds (split evenly between U.S, CA, International Market) I plan to rebalance my portfolio once a year. I...