Q: Good afternoon,

I have around 18k in my FHSA currently all cash, I'm looking for some investment options to allocate that cash to but not sure of the best practice. I'm looking at purchasing my 1st home in 8-12 months. Would it be best to invest the 18k in different ETFs? Should I allocate 1/3, 1/3, 1/3? What would you recommend as diversification as well as some ETF's you think would be appropriate for my current situation.

Thanks!

Q: Can you explain the differences between money market funds PSA and CIB238? Which generally provides the better rate of return? Looking for somewhere to park money when not in use. Which would you recommend?

Q: I'm comparing Psa and Hisa etfs and it appears Psa has a slightly better monthly payout. Am I correct? Thanks John