Thanks very much for the sound advice and cautions, GCR. I've worked out what we need on a monthly basis using the 300 Rule and have also been following a number of personal finance sites, including Simon Brown's Just One Lap, for a while. He gave an interesting talk a while ago on investing in ETFs within the framework of a TFSA. I definitely have a lot more reading and studying to do to find the best option/s. We own our own property and have rental income coming in, but we need to diversify our assets. We do already have a financial advisor, but quite frankly, the fees are nibbling away at our nest egg. BTW, I have no intention of retiring at 65 myself, but my husband has to retire from his fulltime teaching job (Dept. of Education policy). Thanks again.