Hey everyone!

I’m 23, recently graduated university and just started investing.

I’m a firm believer in AI and tech being the future, hence why my portfolio leans heavily towards those sectors. I’m investing for the long term and plan to add more XEQT for diversification.

Would love some honest opinions on my portfolio. What would you change?

Hey guys, I’m 18 and building out my long-term strategy. Since I follow Islamic guidelines, I have to screen my investments to make sure they are Halal before buying in.

In short, I have to avoid companies that engage in:

• Prohibited Sector Activities: Banks/credit providers (revenue from interest), alcohol, gambling, pork products, adult media, or defense/weapons.
• Heavy Interest Reliance: Islamic financial standards (like AAOIFI) restrict companies whose total interest-bearing debt exceeds ~33% of their market value or whose interest earnings exceed 33% of their assets.
• Speculative Instruments: Options, short-selling, and traditional bonds are impermissible due to high uncertainty or pure interest returns.

Instead of manually sorting through stocks, I use the Wealthsimple Halal portfolio (WSHR), which automatically manages my portfolio and handles all the halal screening for me.

I’m 25M living in Canada, currently working as a cybersecurity consultant making around $80k a year. I also have one semester of school left before I finish my degree.

Financially, I’m in a ok position for my age:

$80k/year employment income

$50k invested in stocks

$30k in cash that I’m considering using to start a business or side hustle

Very low living expenses since I still live with my family. My only real expenses are related to my car.

My goal is to use this opportunity to build another source of income outside my 9–5 and eventually grow it into a legitimate business. Since I don’t have rent or many other major expenses, I feel like this is a good time to take calculated risks and invest in something with real potential before I eventually move out and have more financial responsibilities.

One idea I’ve been considering is buying and flipping cars through auctions. Buy them at auction, and resell them for a profit. However, I’m still researching how the process works in Canada and whether the margins are actually worth it after accounting for repairs, auction fees, taxes, and other costs.

I’m open to other ideas, too. Ideally, I’d like something I can start alongside my current job.

My Situation:
Income: Self-employed.
Living Situation: Living at home, so I don’t pay rent.
Expenses: I pay for my own food, clothes, and all other personal expenses (everything except rent).
Thanks.

Everyone was shitting on me yesterday…

So happy with some news that can’t be shared with anyone in real life. 700k after the market close feels surreal after basically working nonstop out of university 15 years ago. With about 100k in home equity and 100k in my cars, it truly feels like I’ve hit the target.

I grew up in a poor and frugal family, I don’t think I’ll ever shake off ingrained habits like analyzing prices on a menu and mass stocking up on groceries that are on sale. BUT I’m also looking forward to a new way of life and spending most of my leftover money after expenses and not feel bad or guilty about it!! (maybe starting January haha)

23M here, starting investing after I graduated university last year (would have liked to start earlier unfortunately but time in the market is the key hey?). I currently have an FHSA and TFSA. Planning to meet with financial advisor soon to discuss where I am at investment wise as I chose to manage both these accounts myself instead of having someone else do it for me (I wanted to learn about what goes into the investment of my money instead of letting someone else do the work). I invest small amounts ($100-$300 monthly) with occasional lump sum deposits as well.

In my Wealthsimple TFSA, I currently hold ZBAL, ZGRO, and a singular share of CASH.TO. I hold ZBAL for the moderate risk of it, I have seen some good returns with that. I began shifting my portfolio slightly more aggressively and also started holding ZGRO, my reasoning for this was the high bond percentage which has also given some excellent returns and I do want a little bit more volatility but I'm not comfortable with being extremely aggressive yet. 60% of my portfolio is now ZGRO and 37% is ZBAL.

I hold CASH.TO as it was the first ETF I was recommended to buy because of it's dividend yield but I haven't put any more than a solid $50 in it as I pivoted to focusing on my other holdings first.

My question is; am I on the right track? Am I doing anything wrong currently? I hear there is a lot of overlap between ZBAL and ZGRO so I am wondering if I need to cut down on shares of one of these and add something else to diversify.

Thanks!