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Apart from the amusing snark & hostility here, I am still none the wiser regarding my original question, which has nothing to do with the assumptions about me supposedly about to kick the bucket (I am 51) or swimming in cash. Will drop by again soon to see whether anything has changed or not.

Sorry, I don't understand these replies. Where in my post did I say I want to get my "CPP and RRSP or TFSA and retire" or that I have "too much time and money to burn"? Can anyone explain please? Thank you again.

(I apologize for this longish post. I hope someone has patience to read it and offer some suggestions, thanks!) Background: I am not a new immigrant. I've been in Canada for almost 30 years. I've had a couple of good permanent jobs earlier (all Toronto), then I went on to manage my own small...