u/Driekusjohn25

I am looking for some option for lower risk ETFs to add to my portfolio for money I may need in 2 to 5 years. My remaining portfolio are ETFs such as XEQT and companys that have a higher risk profile. In my research I have found.

• VCNS - Vanguard Conservative ETF
• XBAL - Ishares Core Balanced
• XBB - iShares Core Canadian Universe Bond Index ETF

Any others that are worth looking at?

I am getting closer to retirement but really struggling to determine what the best options are for drawing down multiple income streams whilst minimizing tax and avoiding pension clawback.
Are there any effective options that take the following into account?

• CPP, Pension
• Defined Benefit Pension
• TFSA, RRSP
• Non-Registered Investments