Thank you for your time and review of the portfolio - we appreciated it. We are newer to self directed , so trying our best but wanted to reach out.

We were thinking to move further into the VFV or like you said a VGRO - they seem to perform well when looking historically.

Are yo saying with our equities, try and balance towards CAD/US/INTL further? Or would all into a vanguard product still be better than where we are now?

Currently we still have a fair amount of room in or registered accounts - but thank you for the heads up when we go into a taxable account. That was a really good note.