I feel so dumb when it comes to investing
Im a 32F and I’m relatively new to investing — I completed my schooling and started my career at 27yo (Oct 2020), purchased a house with 20% down with my husband in Aug 2023 (withdrawing ~30k from my RRSPs — to start repayments in 2029) and just paid for our wedding in Dec 2025.
I now feel like I have extra funds to start investing for long term growth. I am a health care professional (chiropractor) who is self employed, thus no pension, RRSP matches, company stock options, etc. I currently have only $13k in my RRSPS but I’ve started investing between $700-1000/month starting back in Feb 2026. I’d love for it to be more, but I am also currently saving for opening my own practice in July 2027 (thus, need more liquid short-term savings).
Most of the 13k is in SPY and a small portion in RBF619 (I’ll be honest — this is my brothers doing, I had/have no clue about investing and just had him put the money into something by relatively low-moderate risk).
I’m looking to start investing more into XEQT to diversify into Canadian and international markets (as well as US, of course). Should I start putting money only into XEQT? Would it also be advantageous to sell some SPY shares and buy into my XEQT — so my portfolio is ~70-80% XEQT, 15-20% SPY and remainder in the RBF619? Just curious what the best options would be more long term growth for retirement!