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My friends and I when we go out

🤷♂️ But it was on time

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My company matches 3%. Is that low or on par?
Thoughts on XT?
Anyone else long on AMT?
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No problem at all, I monitor them all from Mint
I have multiple accounts for different uses and track them in Wealthica.
Would highly recommend for fellow Canadians. Made the switch from Mint 3 months ago and never looked back!!
Chief
Personal preference in my opinion. I have 90 percent at fidelity, emergency fund at ally and some cash at chase. So really everything other than cash at fidelity. It is nice to be able to see all investments together under one login in. Only benefit I can see to having multiple brokerage is if you think it is safer in case one gets hacked or a system at one crashes.
I have gone back and forth on this one.
My reasoning for spreading out across a few accounts is if some calamity occurs and one of the institutions is hacked, becomes insolvent, or otherwise takes a turn for the worse, not all of my liquid net worth ends up lost in translation.
Might just be the doomsday prepper in me.
Totally reasonable approach to split it up. It’s never been easier with platforms available to aggregate information.
It just adds more things for you to keep track of. Regardless you can use a platform like Personal Capital or Mint to track all your accounts and record a growth log for your records.
I have it that way too. But, during tax time, my CPA charges by each tax form, I.e. more accounts I have, more the no. of tax forms, so tax preparation ended up being really high. So, I started consolidating in 2020 and planning to have no more than 3 financial institutions I work with. Having said that, the issue I described is not an issue if you prepare taxes yourself.
I don’t think it’s frowned upon. I would just find it terribly obnoxious to keep track of. If that doesn’t bother you then keep what you Iike