Q: Retried and have a diversified stock and bond portfolio that I live off. Not tending to the portfolio as much as much as I have in the past and wish to simply my life. I am thinking of selling most of my portfolio and buying "all in one ETFs". Would you advise selling all and buying only one of the above ETFs or " diversifying" by splitting into all three above or even more ETFs to avoid risk of illiquidity in the event of a need to a large amount of cash. Please elaborate on any other risks in a strategy, such as company reputational risk, in allocating a very large percentage of the portfolio to only one or three such ETFs.

Q: Do you have any preference re these balanced all-in-ones?

Q: Hi, I’m looking for 2 ETF’s suggestions, that is mostly out of Canada, as all my stocks are on the TSX. ( RY,ENB,BN,CSU,etc.) Looking at a mix of U.S. and other countries. Retired so has to be somewhat conservative with a 2%+ dividend while I wait. Could be a balanced etf for a little growth and safety. I was looking at TGRO, as an example, but maybe it is too much risk? your thoughts, thanks