100k$ in RRSP to invest

Core Insights - The article discusses the top underlying holdings of various investment funds, highlighting the significant presence of technology and financial companies in their portfolios [1][3]. Group 1: Top Holdings Overview - The top holdings in the Select Aggressive Growth fund include NVIDIA Corp (3.1%), Microsoft Corp (2.4%), and Royal Bank of Canada (2.1%), with a total of 17.9% from the top 10 holdings [1][3]. - The North American Value Fund features Royal Bank of Canada (4.4%), Toronto-Dominion Bank (3.9%), and iShares S&P/TSX Global Gold Index ETF (2.7%), totaling 26.2% from its top 10 holdings [1][3]. Group 2: Comparison with Other Funds - The VEQT fund has a slightly different composition, with NVIDIA Corp at 3.26%, Apple Inc at 2.80%, and Microsoft Corp at 2.68%, showcasing a diverse range of tech and financial stocks [1][3]. - The XIC fund, focused on Canadian exposure, lists Royal Bank of Canada at 6.88%, Shopify Subordinate Voting Inc at 5.88%, and Toronto-Dominion at 4.59%, indicating a strong emphasis on Canadian financial institutions [1][3]. Group 3: Cost Efficiency - The article suggests that investors can create a portfolio of 3-5 funds with a management expense ratio (MER) significantly lower than current funds, potentially around 1/10th of existing charges, while maintaining a similar underlying portfolio makeup [1][3].