First Paycheque Investing System in Canada (TFSA + XEQT)
A strong investing habit starts with a repeatable paycheque workflow. This page gives you a simple “money-in, XEQT-buy, review” process.
Disclosure: I may receive a referral bonus if you sign up.
Set this up once
Use Wealthsimple recurring deposits so every pay cycle funds your investing plan.
Get Your $25 BonusThe paycheque split (starter version)
- Essentials: fixed bills + groceries
- Buffer: emergency savings
- Investing: recurring XEQT contribution
Use percentages that fit your real budget. If unsure, start lower and increase gradually.
5-step operating system
- Paycheque lands in chequing.
- Auto-transfer to investing account within 24–48 hours.
- Recurring XEQT buy executes.
- Log contributions once monthly.
- Review every quarter and adjust.
Why this works
- Reduces emotional timing decisions.
- Keeps strategy tied to cash flow.
- Makes progress measurable.
Internal links
- Wealthsimple for Beginners (Canada): Start in 15 Minutes
- Wealthsimple TFSA for Beginners
- XEQT in TFSA vs RRSP: Where Should You Hold It? Complete Guide for 2025
Keep it boring
A boring paycheque system usually beats a brilliant but inconsistent strategy.