In my RRSP and FHSA...it's basically just VT and VEQT....my TFSA has only CC.
The reason behind it, I can't withdraw from them, so might as well just leave it on cruise control with the an all in one world index fund.
The TFSA on the other hand, I am currently using partially my distributions to supplement my income. However my strategy is that once my distributions cover my monthly expenses with a buffer, then my TFSA will go towards the more growth index oriented fund.
I mean investing is personal, you invest based on your current and future needs. I need the income now, not in 30 years....but for somebody else, they don't need to supplement their income now and can afford to wait 30 years. I just don't want to have 2 or 3 jobs, so the distributions avoids it.
