I've never done ETF.
I have pension so I don't need any cad stocks/ bonds.
The goal is Max growth for the next 20-25 yrs, except in rrsp because it can't grow too much and clawback on my oas
Will have another 45k cash to invest a yr from now
Im thinking
100% qqc:ca for 30k in rrsp
80% qqc:ca tfsa
20% zsp (sp 500) for tfsa
I'll Max out tfsa every yr
Is this too aggressive for a 40 yo who'll retire in the next 20 - 20 yrs?