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Investing regularly outside of a RSP every month doesnt seem financially viable for me as there is a fee for every purchase on the FSMOne app, is there a RSP that i can get into that would auto reinvest the dividends earned? possibly for ETFs/UT, and in the US market.
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You could consider using a robo-advisor. Most of them have portfolios that re-invest the dividends. The costs are already factored in the fees they charge.