Q: My wife has never dabbled in the markets and has often labelled it as too risky. She has tended to stay with GIC’s or higher interest saving accounts, yeilding perhaps 2-3.5% annually. However, after seeing returns on some of my equities and ETF’s she is reconsidering. While I know you cannot personalize what is best for her, can you please give your highest conviction for lower risk stocks/etf’s for an RRSP (about 130K) with a 3-5 year window. I have shown her RoR on Canoe ETF (about 8%) and HMAX (about 12%). Lower risk stocks like BN or GOOG are also being considered. Your input would be greatly appreciated. Thanks again for all the great work you do!
Brian

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?