Hi, I'm looking for some advice for my father. He recently realized that his management fees were almost the same as his monthly contribution, so he is not earning much on his investments. I told him about index funds and he is interested in making the switch, but I am not an expert and I was hoping someone here could tell me if that is a good idea. What about dividends or ETF? He lives in Canada, has about $180,000 I think, I'm pretty sure it's mostly in an RRSP and maybe some of it is in taxable accounts. He's banking with CIBC, I don't know if they have any good low fee funds, or if he should switch to another bank or to Vanguard. The other thing is, he is about 15 years from retirement age, and I don't want him to put this in something where he loses a lot of money and doesn't have time to wait it out. Any thoughts are much appreciated, I'll try to add details if more are needed. Thanks Mustachians!