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                BMO Covered Call Canadian Banks ETF (ZWB $23.45)
    
        
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                BMO Low Volatility Canadian Equity ETF (ZLB $55.60)
    
        
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                iShares S&P/TSX Canadian Dividend Aristocrats Index ETF (CDZ $39.76)
    
        
 
            Q: Ours is a very conservative portfolio, with one third in dividend-paying equities, half of that individual stocks and half no-load funds. The latter's performance doesn't seem to justify the MER's so I would like to reduce, maybe eliminate, that cost, roughly $5,000 per year. Any thoughts you might have on how best to effect that change and what form that should take, eg less funds, more stocks and/or ETF's, will be much appreciated.