I would appreciate any opinions or advice on this approach. Thank you.
— Rick
TTP has a five year annualized return of 15.26% and we would be very comfortable with it as a base. We are unclear from the question whether one wants only Canadian ETFs, or Canadian-traded ETFs only. We will assume the latter and suggest ZSP for US exposure, VIU/VEE for international, and XCS/ZSML for Canada/US small caps. We think such a set up would cover all sectors and market caps, as well as most countries. XBB, XHY, CBO could be suggested if bonds are required, and VBAL could be a one-stop-shop suggested ETFs. In terms of deployment, we would suggest, for simplicity, a consistent dollar purchase over a series of seven to eight months. This will allow for some volatility in the markets and will ensure a decent (but not perfect) average purchase price.