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@alfiano Yeah those are some good points

@rjozen TFSA - would just buy 10X Total world, it's what I do. There is significant US exposure. I am unsure about the percentage exposure in the UK. I would not bother with anything local in my TFSA, but that's just a preference thing. I do have some money in a REIT and some in a Satrix...

@born94 There is overlap in 3.1 and 3.2, I'd just dump it in the world etf. Also serious overlap with your US stock picks. Nvidia is also overvalued and at an ATH because the market feels like they are great because of this AI stuff, yet other stocks are being downgraded because of AI hype...

@leonariver I suggest contacting them and asking. There might also be a way to download your transaction history which should clear things up. Is it not possible that you bought more items with that 21k? That could be where the money has gone. Unfortunately with so little info no one but you...

@icemasterpt An ignorant statement.