Since Vanguard doesn't offer index funds to individual investors in Canada, do any other companies, preferably with overhead .2% or lower? If not, maybe ETFs of Vanguard funds are the way to go. ETFs of funds add overhead during buy/sell transactions, but this may be the price you have to pay. Luckily you will rarely sell (see below), so if you buy infrequently (but regularly) you'll be okay.
Once you find a route to index funds, start with a high proportion (90% or more) there, and then roll that proportion down and into bond funds as you age, increasing the bond percentage more rapidly as you approach retirement. This is something you revisit on a calendar basis, every few years. No emotion, you only buy and sell based on time.
Have you considered meeting with a certified financial planner? For a flat fee (only hire a CFP who charges flat fees) they can provide a lot of help and organization, like setting up that schedule of rolling over assets from index funds to bonds. It could be well worth your money and save you time and stress.
- University Of California BerkeleyBA, Philosophy, 2000 - 2002
- California Polytechnic State University San Luis ObispoMSc, Computer Science, 2003 - 2005
- University Of British ColumbiaPhD, Computer Science, 2005 - 2011
- MicrosoftSoftware Developer, 2015 - present
- Software Developer, 2011 - 2015
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