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▲ 27 r/CanadaInvesting

Hello all,

Like many others, I’ve been investing in Vanguard All-Equity ETF Portfolio (XEQT) throughout this year after spending years building up my savings. I’ve now maxed out my TFSA holding only XEQT. It's not the biggest amount but it's big for me and it's already 3% up.

At this point, I’m continuing to save regularly, but I’m starting to think more about generating CONSISTENT INCOME rather than just growth. I’ve come across discussions around income-focused options like Nexus Industrial REIT (NXR.UN), and BTB Real Estate Investment Trust (BTB.UN), which got me considering a shift in strategy. Also recently I have seen a penny stock SCD.

I don’t want to keep maxing out my TFSA every year with only XEQT, I’d like to diversify a bit and start building a steady income stream, especially given how uncertain the job market feels lately and like most people I'd rather just rely on myself rather than employers.

I’d really appreciate any advice or recommendations on how to approach this and add more balance to my portfolio.

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u/yflavus — 10 days ago
▲ 6 r/CanadaInvesting+1 crossposts

Did anyone else not realize Newton creates two separate tax entries every time you rebalance? My accountant had thoughts

So I've been holding BTC ETH SOL and rebalancing monthly for over a year. Found out this year that selling ETH to get CAD and then buying BTC with that CAD is apparently two separate events for CRA purposes, not one.

I now have 67 entries to reconcile from rebalancing alone. My accountant was not impressed.

Is everyone else just accepting this or is there a way I'm not seeing to reduce the transaction count?

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u/Playful_Climate_9501 — 4 days ago
▲ 34 r/CanadaInvesting+4 crossposts

The thing that keeps pulling me back to silver over gold right now is that the demand side of the equation has fundamentally changed in a way that I don't think is fully reflected in how people are positioning. Industrial consumption has become the dominant driver and it isn't cyclical in the way it used to be. Solar installations are locking in silver demand years in advance, the grid buildout isn't slowing down, and the Silver Institute has been reporting structural supply deficits for several consecutive years now. That gap doesn't close easily because bringing new primary silver supply online takes the better part of a decade from discovery to production.

Where I've been spending more time lately is on the producer side rather than just holding physical or streaming names. The royalty and streaming companies are great but at current valuations you're paying for safety, not leverage. And most of the junior exploration names are exactly that, exploration stories with no revenue and a long runway before they matter.

The junior producer space is where the interesting risk/reward sits right now and it's a surprisingly short list of companies that actually qualify. Sierra Madre Gold and Silver is one I've been watching closely. They just wrapped up their first full year of commercial production at La Guitarra in Mexico: $25M USD in revenue, $6M adjusted EBITDA, cash from operations positive, and revenue growing every single quarter through 2025. Plant expansion commissioning in Q2 takes throughput up 50%, a second mine acquisition from First Majestic closes next month, and Franklin Templeton and Eric Sprott are already in the register. Still under $2 on the TSX-V.

The junior producer gap in the silver market is real and there aren't many names filling it right now. This piece goes deeper on the Sierra Madre numbers and how it fits into the broader silver producer landscape if anyone wants to dig in: https://criticalmineralsstocks.substack.com/p/silver-stocks-sierra-madres-banner

u/Aggressive_Rush2357 — 7 days ago
▲ 6 r/CanadaInvesting

Best Long-Term AI Stocks & ETFs to Hold for the Next 5-10 Years?

I’m trying to build long-term exposure to AI and wanted to hear what companies or ETFs people here actually believe can keep compounding over the next 5-10 years.

Not looking for meme stocks or short-term hype trades. More interested in businesses with real advantages like chips, cloud infrastructure, enterprise AI software, robotics, data, or anything that benefits as AI adoption grows.

Would appreciate thoughtful answers with reasoning.

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u/ViewBoosters — 6 days ago