Looking for some perspectives from the community. If someone has a mortgage with an variable interest rate around 3–4% and also has extra monthly income available, what is generally the better financial decision: - Put the extra money toward paying down the mortgage faster, or - Invest the extra money into ETFs for long-term growth? On one hand, paying down the mortgage offers a guaranteed 3–4% return (risk-free). On the other hand, investing in diversified ETFs (like XEQT, VFV, etc.) could potentially generate higher long-term returns. From a purely financial perspective, how would you approach this decision? Would you prioritize: - Guaranteed 3–4% return (mortgage payoff), or - Potential 8%+ long-term market returns (ETF investing)? Would love to hear how others think about this and what strategy you personally follow.

Hey Guys, When should someone with a relatively small portfolio (e.g., under $10K) start investing in HDIV for monthly income? My thinking is that with a smaller portfolio, the income generated from HDIV would be minimal, so it may make more sense to focus on growth ETFs like XEQT or VFV in the early stages. However, if it still makes sense to include HDIV at this stage, what percentage of the overall portfolio would be reasonable to allocate toward it? Thanks

Hey Guys, I need a suggesstion for my TFSA, Should i put 1. 100% in XEQT 2. 70% XEQT - 30% VFV 3. 50% XEQT - 50% VFV 4. Which stretegy would be best to invest every month.

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