I'm also in Canada and I follow the passive investing Couch Potato approach which I've converted to pseudo code here - https://news.ycombinator.com/item?id=1152

I'm also in Canada and I follow the passive investing Couch Potato approach which I've converted to pseudo code here - https://news.ycombinator.com/item?id=11528787 https://news.ycombinator.com/item?id=11528787. That said if investing doesn't interest you just use a Robo advisor like Wealth Simple (Toronto based). You will pay maybe 0.2% more in fees but your performance will be the same as the couch potato approach, and you'll never need to think about investing.