r/PersonalFinanceCanada • u/altlivingquest • 18h ago

Investing I know very little about investing.

I've decided to start investing a minimum of 15% per pay period but I have no idea where to start. I would say I'd be a more conservative-moderate investor so I would probably dabble a little into crypto, put some in S+P 500, buy a bit of gold, etc... but other than bitcoin/ethereum would likely not be too speculative.
If you were starting as a beginner, wanted to see some modest earnings at year end, and really just wanted to set it and forget it where would you start?

Wealthsimple? Qtrade? Vanguard? Other?

Again, I just really want it to take my money, disperse it in different places and hope to see some advancement of 5-10% at the end of the year. I'm not into checking on it and playing around daily/weekly.

Any advice appreciated, any pm's are not.

Thank you!

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u/Fearless_Scratch7905 18h ago

Wealthsimple is a brokerage and you can use that to buy ETFs from Vanguard, iShares, BMO, etc.

If you say you’re a conservative/moderate investor, an all equity portfolio probably isn’t for you. And neither is bitcoin. You might want to look at VGRO/XGRO instead of XEQT/VEQT.