My investment portfolio is looking so sad

The one thing I really haven’t given much attention to lately, is what mutual funds my RRSPs are invested in. As some of you may know, I have all my investments in TD Canada Trust e-funds … and here’s how my money breaks down:

63.04% CDN Money Market
34.39% CDN T-Bill
1.66% International funds
0.91% Canadian funds

Obviously this is not a very balanced portfolio. Just before the market crashed last summer, I transferred most of my money into the Money Market account, which turned out to be a really smart move. I lost a minimal amount of money … and because I just left my money in the MM and T-Bill accounts, I also avoided the crash in January.

But now that I’ll be investing a lump sum of $3k (portion of tax refund), and $300/monthly, I should really have a game plan. So last night, after looking over my portfolio and my options with TD, I decided on the following distribution for the lump sum, and going forward:

33.3% International funds
33.3% US funds
33.3% Canadian funds

I plan on using my RRSPs for the First Time Home Buyer’s Plan … whenever it is I decide to buy (not for a year at least), so until then, my money is in low-medium risk funds.