For a more conservative approach, the creator suggests an all-in-one balanced ETF like ZBAL, FBAL, or CBAL, which provides exposure to North American and international markets along with bonds.
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The creator discusses four ETFs that they believe will help them retire in 12 years. They explain that ETFs...

The creator discusses four ETFs that they believe will help them retire in 12 years. They explain that ETFs offer a more diversified and simplified approach to investing compared to individual stocks. The ETFs mentioned are Vanguard S&P 500 Index ETF (VFV), BMO MSCI Emerging Markets Index ETF (ZEM), Vanguard FTSE Canadian High Dividend Yield Index ETF (VDY.TO), and an all-in-one balanced ETF like ZBAL, FBAL, or CBAL.
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The creator recommends the Vanguard FTSE Canadian High Dividend Yield Index ETF (VDY.TO) for exposure to Canadian financial and energy companies, offering stable dividends.
The creator is bullish on emerging markets and recommends the BMO MSCI Emerging Markets Index ETF (ZEM) to tap into countries like China, Taiwan, and India.
The creator highlights the Vanguard S&P 500 Index ETF (VFV) as a core holding for its broad market exposure to the top 500 US companies.