DOL
DOLLARAMA INC
stock TSE

Not a financial advisor. Good job on the return and maxing out your kids resp each year. Seriously good job. There are a few considerations and things I would do:
\- take your beating in T and cash out. This frees up $5ish k. I’ll take some flack for typing this but hey, how many years has this company been facing structural debt and persistent headwinds? If your horizon was 20+ years I would still sell it while others would let it ride. But your horizon is 8years….i doubt you’ll break even on it.
\- you are heavy in one sector: banks. You could consolidate into 1 or 2.
\- trim your winners (including from DOL). This is especially true for your oil cyclicals: SU and ALA. ensure you lock in the profits from these.
\- use your new capital from selling T and trimming your winners to target a safe broad index fund (x/vgro then to v/xbro when they’re almost 18) Why? Your horizon is 8 years. You need to shift your risk profile to cushion any downturns. A financial advisor could be handy in this situation to map out the next 8 years. Since you’re over the magical $100k line you would likely qualify for a free session with your banks advisor.
\- finally turn off drip. Allow your divys to pool and buy whole shares of whatever broad market fund you go with.
Good luck,

Not a financial advisor. Good job on the return and maxing out your kids resp each year. Seriously good job. There are a few considerations and things I would do:
\- take your beating in T and cash out. This frees up $5ish k. I’ll take some flack for typing this but hey, how many years has this company been facing structural debt and persistent headwinds? If your horizon was 20+ years I would still sell it while others would let it ride. But your horizon is 8years….i doubt you’ll break even on it.
\- you are heavy in one sector: banks. You could consolidate into 1 or 2.
\- trim your winners (including from DOL). This is especially true for your oil cyclicals: SU and ALA. ensure you lock in the profits from these.
\- use your new capital from selling T and trimming your winners to target a safe broad index fund (x/vgro then to v/xbro when they’re almost 18) Why? Your horizon is 8 years. You need to shift your risk profile to cushion any downturns. A financial advisor could be handy in this situation to map out the next 8 years. Since you’re over the magical $100k line you would likely qualify for a free session with your banks advisor.
\- finally turn off drip. Allow your divys to pool and buy whole shares of whatever broad market fund you go with.
Good luck,