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Haha. I don't know anything about getting a mortage - just turned 20 a while back.

Anyways, here's a little summary of my investing life thus far...

Started investing in 2005, with no newsletter/advisor whatsoever.

Savings are in the low five digits (in Canadian currency) with 33% of my total portfolio in RRSP/GICs. I happened to lock in better rates than are currently available and I will be released from my non-RRSP GIC in a year. I am in a self-directed RSP account, but will not be adding more funds until it becomes more worthwile...

Word of advice...just try and find a high interest rate savings account as opposed to getting a higher rate via a GIC. Unless you have a horrible propensity to spend, the advantages afforded through a GIC are virtually negligible - i.e. may not be able to redeem, slightly higher.

The rest of my portfolio is completely in equities/funds(which are equities).

Of "the rest of my portfolio", 10% CEF (closed-end fund) emerging markets. May add 5% index fund soon if I can find a good one.

Currently 10% cash position due to trailing stops (so far, they've saved me a lot of money).

I'm with BMO Investorline - even though the commissions are pretty outrageous. I figure I don't "trade" so I'll stick with it for now. Their website is down so I can't exactly figure out my portfolio allocation. I have all of my bank accounts with BMO, so I feel no hassle in transferring money between Investorline and my regular bank acccounts.

Don't pay any banking fees :) Student plan and all.

Anyways, portfolio allocation:

15% Emerging market fund
10% Cash
65% Small/Med-Cap Equities
10% Large-caps

As for my small/med-caps, I'm probably 1/3 in natural resource stocks, 1/3 energy, 1/3 random tech/other stocks that I come across.

Risky? Speculative? That's pretty much my portfolio. Oh, the wild highs and lows...


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