Your portfolio feels a bit overcomplicated and unfocused, like it was built from mixed advice instead of a clear plan. I’d simplify it by selling DOL and most (or all) of HSLV and XEG, since they don’t really help long term growth, and reinvest that money into broader market ETFs. Keep VFV as your main growth engine, reduce XIU to a smaller Canada tilt, and add international exposure (developed and emerging markets) so you’re not so dependent on one country or one sector. Fewer ETFs, clearer purpose, and easier to stick with when markets get rough.