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@appycatholic Actually just lucky, at the age of 16 my parents put 20k away for me in it, I’m still a student but I’ve just kept chipping away at it with odd jobs.

@dcdoggins Do you have any idea how Thrive works? Do you qualify for that and do you switch between funds regularly?

23M - have a TFSA with Allan Gray that has around 150k. I recently watched a power hour on “Just One Lap” that was really informative and noticed that Allan Gray offers a large number but not all the ETF’s that I’d like to invest into that could potentially provide better returns...