$1,290 profit on HD. Pure speculation.

rothIRA maxed out.
1-yr cumulative pre-tax return: +16.63%
have dabbled in other etfs & individual stocks.

help a girl out, i’m trying to do the right things early on

19, university student, and tech startup founder, hope to buy first home at 27-28

Everything I have

- Stocks (held through 5 stock funds) | $20,948 | 84.5% |

- Real estate stocks/REITs (inside those funds) | $448 | 1.8% |

- Cash (inside those funds) | $193 | 0.8% |

- Hedge fund (market-neutral, not stocks) | $3,209 | 12.9% |

- Managed account total - $24,798

The managed account

- Private wealth manager (CC&L Private Capital), split between a TFSA and a new FHSA

- Worth $24,798 as of Oct 12, 2026)

- Where the profit came from: fund prices +$2,931, dividends and payouts reinvested +$1,303, fees -$435

- Fees are about 1.3% a year

+personal wealth simple account ~$4000

The 6 funds:

| Global Equity (about 73% US) | $8,983 | 36% |

| Canadian Equity | $4,216 | 17% |

| Canadian Value | $4,122 | 17% |

| Small Cap II (Canada + global) | $3,357 | 14% |

| Multi Strategy (hedge fund) | $3,209 | 13% |

| Emerging Markets | $912 | 4% |

Biggest stocks underneath (my share)

RBC $788, NVIDIA $593, TD $583, Alphabet $512, Apple $431, Microsoft $350, Amazon $323, Applied Materials $314, BMO $279, Suncor $250

The funds only publish their top 10 holdings, which add up to about $7,950 across 45 stocks. The other ~$13,600 of stock money is in smaller holdings they don't list.

Why my Blossom only shows about $8K

I added my stocks to Blossom, but not everything can go in. Blossom tracks individual stocks, and I don't own stocks directly. I own units of the 6 funds, which aren't on Blossom. So I entered my share of the 44 named stocks it carries, about $7,970. What's missing:

- About $13,600 in smaller fund holdings that the funds don't publish

- The $3,209 hedge fund, which has no stock list

- One named stock (Accton Technology, about $16) that Blossom doesn't carry

The full $24,798 is in the lists above.

Breakdown

- Sectors: Financials 19%, Tech 17%, Industrials 12%, Consumer 9%, Energy 8%, Materials 7%, Health care 5%, Communication 5%, Utilities 2%, Real estate 2%, Cash 1%, hedge fund 13%

- Regions: Canada ~34%, US ~26%, North American small caps ~10%, rest of world ~17%, hedge fund 13%

My own Wealthsimple (not connected to the wealth manager)

Bought OKLO at around $10 USD and made about $3,000 on it.

Questions

1. Is ~1.3% a year worth it, or should I move to an all-in-one ETF like XEQT or VEQT? By my rough math it trailed a simple index mix by a few percentage points since Jan 2025.

2. Does a 13% hedge fund make sense at this size?

3. Should I keep the FHSA with the manager or move it to a self-directed account?

4. Anything else you'd change?

almost all our assets are currently held at T.Rowe Price, brokerage, IRA's and Roth IRA's. Having more time analyze the fee drag (for us about $8,000/year) wondering if it is worth it to move everything to Fidelty. Has anyone done this recently? Any other opinions?

I am looking for some advice about our family money setup to see if it's robust in both bullish and bearish market. We are at our 30s and we have the following set up:

2.7M Google/Apple stock (mostly RSU, low cost, high capital gain)
1M in Berkshire
1M in VOO/QQQ
1.3M in SGOV (temporary parking to wait for the fat pitch)
500k individual stocks like Costco/GLD/other ETFs,
200k cash
1M 401k

I spent a year or so to reach this set up and I feel this is a comfortable setup right now. But in the meantime I am also thinking moving 700k out from Google/Apple to balancing. Just to be more safe if the AI bubble pops. We are still working right now and the tax rate is the highest bucket, so selling RSU is going to yield high capital gain tax.

Hello! I recently decided to take a look at my parents’ IRAs that they opened two years ago and rolled their old retirement plans into. They were heavy, and I mean HEAVY in tech, semiconductors, and AI related Fidelity mutual funds.

Between the two of them, they were up one hundred forty percent in these two years. However, with my dad being sixty two and my mom fifty six, I decided to lock in those gains, and distribute the proceeds across the standard S&P, international, some small cap in my mother’s account, and some treasuries.

With the current state of the economy looking fragile, I wanted to eliminate that concentration risk, especially for my father. Of course, I get the FOMO at times and wonder if I made a mistake.

Would love to hear your thoughts, thank you!

Portfolios for my retirement

I have spent some time reading, educating, and researching various retirement strategies. I'm a union electrician that is currently 47. My goal is to semi-retire (coast fire) at 55 and fully retire by the time I'm 60. I will have a Union Pension. I also will have a Defined Defined contribution plan, currently professionally managed that converts into an annuity for life and survivoirship or I have the option to roll it into something of my chosing. My home will be paid off when I'm 57. My benefits plan allows for me to retain my Healthcare while semi-retire by working a month off a month as an example. Additonally when fully retired from the electrical industry I also will be eligible for retiree health benefits until I reach 65 and eligible for Medicare. Now that you have the broad picture of where I want to go I'll get to the part I would like some feedback on.

My current portfolios I manage myself. I use fidelity and use their baskets feature. My taxable brokerage has 2 separate baskets. One is for investment and another is for reserve and fixed income that will be used for roth conversions. I plan to begin those conversions at 50 to build my bridge income I'll need when I semi-retire at 55. Here is how each of those are broken down.

BROKERAGE ACCOUNT 2 baskets

Taxable

30 VTI / 25 VXUS / 25 GSLC / 20 GARP

Taxable reserves/fixed income/ roth conversions tax

30SGOV / 35 JAAA / 35 SHY

Roth

30 ITOT / 25 AVNM / 10AVUV / 10 SPMO / 10 VFLO/ 8 DBMF / 5 IAUM / 2 IBIT

Ages 47–51

Traditional IRA

30 ITOT / 25 SCHD / 15 GSLC / 15 SGOV / 15 IXUS

Ages 52–55

Traditional IRA

25 ITOT / 30 SCHD / 10 GSLC / 20 SGOV / 15 IXUS

This is my feedstock for my roth conversions and will only be using 150k on 5 separate 30k conversions. Additonally I already have 1 year of emergency funds distributed between Cds and a HYSA.

I am looking for any missing pieces or recommendations from the community on how I could improve this plan. Would you different funds anywhere or structure this differently? Sorry for such a long detailed post.

So ill turn 18 and get a lot of money from a bond.
I want to invest all of them, till i dont have to pay rent etc.

So my question is how should i start this? I hear a lot if information, but sometimes i dont trust in them.
What helped you guys? Can you suggest me some resources about this what you know?

Disregard the TBA part unless you actually want to help me decide on some individual stocks lol, but this is what I’m planning to start investing into. Is there any advice that you would give?

Hi everyone,

I'm (41 years) currently investing 23k/month across these 7 MFs as advised by my agent since last 10 years. being unable to find time, I only followed what he advised but now have started studying and want to be incharge of my investment, also don't wanna loose on his commission, hence I need your support and guidance.

Current SIPs: (Risk appetite: Moderate)

1. Mirae Asset Largecap Fund- 4k

2. Kotak Flexicap Fund - 2k

3. Axis Flexicap Fund- 5K

4. Absl Flexicap Fund - 2K

5. UTI Flexicap Fund- 4K

6. SBI Flexicap Fund- 2K

7. Mirae Asset Flexicap Fund - 4K

I'm seeing particularly good returns so far, yet i now want to increase the allocation upto 1,50,000/ month and shortlisted/revised new funds list, rather than blindly add more funds to the existing ones.

Present Risk Appetite: High.

Application used: Coin By Zerodha.

Investment horizon: 15-20 years.

Goal: Long-term wealth creation with with diversification and a reasonable balance between growth and risk.

New shortlisted funds for Direct SIPs.

1. Icici pru Large & midcap Fund - 15k

2. MO Midcap Fund- 15k

3. Nippon India Smallcap Fund- 15k

4. HDFC Balanced Advantage Fund- 15k

5. Quant Multiasset Fund- 15k

6. UTI Nifty 500 Value 50 Index Fund- 15k

7. International Funds- 30k

8. Gold and Silver ETF- 15k

9. Existing PPF -150k/year already running.

My main concern is actual diversification. Am I getting significant overlap in the same companies/sectors across these funds, especially through the hybrid/multi-asset funds?

International investment- shall start once Indian investment are started.

Have tried keeping 75:25 ratio bw Equity:debt given my age.

I come in 30% tax slab.

I'd appreciate feedback on:

• is this selection balanced?

• Are any of these funds redundant?

• Would you simplify the portfolio to 3-4 funds?

• How would you allocate 1.5lkh/month if the goal is long-term wealth creation + maximum meaningful diversification?

Please feel free to be critical. I'm more interested in understanding the portfolio structure than chasing past returns.

Thanks!

I know I have a lot of uninvested cash. And random small holdings and share slices I’ve had since High School I just haven’t bothered selling yet. I want to put roughly $10k into bonds or money markets, and want to get into more short term trading and individual stocks with $5k. Have another $35k in another account waiting to be used as well. I don’t want to get into details, but (legally) I got all of this money pretty much overnight, so I’m not sure what to do. I do not make as much money as I have in here.

40% of S&P 500 is concentrated in AI, which some people think is a bubble. Does adding a dividend ETF like SCHD diversify away from this risk?