The original poster has basically never invested before. Suggesting he go to an online DIY platform to do some growth trend timing while watching his Sortino ratio is not particularly helpful in my opinion. In fact in this case I would not be opposed to him sitting down with a bank employee even for some rudimentary planning and advice before being steered into their highest MER balanced fund. The few hundred dollars in fees they might end up paying would be money well spent for advice on TFSAs, asset allocation, diversification, professional management, etc and having a point of contact to ask follow up questions. Maybe after a year or two they could consider setting up a DIY account but a bit of actual guidance would be ideal.
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