Bernie600: Also aged, retired, and 70% into ETFs.

Worth visiting Canadian Portfolio Manager website, supported by Justin Bender of PWL, whose colleague and partner, Dan Bortolotti, is the guy behind the Canadian Couch Potato. I think you'll find that PWL is not the home for triples and BlueJays's swing-for-the-fences approach. Having a research department can mean that index portfolios may be the recommended portfolio.

If you think that being young will change a person's risk principles, think again. It may give you recovery time, but is not a rationale for doing so, IMHO.