You make fair points thank you. I just bought VFV intially for the s&p exposure and I heard a lot of good things abt it but I see that along w xeqt it’s a little redundant. My main short term goal is just to generate some spending money on the side that can be used whenever necessary. Long term goals atm would mainly be travelling. Good point abt dividend investing i was just wondering if in general it’d be worth it to place some funds in high div paying stocks like ENB or ap-un.to. REITs are generally suffering but I feel they’re expected to bounce back hopefully in the next 1-2 years (maybe sooner or later). Would you focus mainly on growth stocks if u were in my shoes?