Registered accounts (TFSA / RRSP / FHSA) are intentionally kept boring，mostly broad-market ETFs, low turnover, no leverage. Their role is long-term stability and downside protection.
The non-registered account is where I take calculated risk: higher beta exposure, some sector concentration, and controlled margin usage. That separation is what drove most of the +23% YTD, while keeping overall portfolio volatility within a range I’m comfortable with.