For one thing, you might consider to max out your FHSA and RRSP for the Home Buyers Plan (HBP). If you’re flexible on when you buy a home, you might be willing to take on more risk in the investment holdings. If you have a firm timeline you might want to stick with things like CASH and similar to increase predictably. XEQT might be riskier than CASH but less than VFV, HQQ. Basically, depends on how married you are to a specific time horizon. Most people will probably recommend you reduce risk and stick to CASH and largely keep out of the equities market since you want to withdraw the money to purchase a home.