Hi! Is it considered optimal if a 100K investment is allocated as shown below and why or why not? Is it better to lump sum this amount or DCA or a bit of both? Is it safer to invest in ETF's and riskier to invest in individual stocks?
TFSA - 40% VOO + 35% QQQ + 5% EEM.
Non-registered - 20% VT.
I appreciate it if you read this, thank you!