Thanks for your reply, I knew it didn't make sense to just add them up. Can you explain why to me please?
As for the .33% - these are still mutual funds but they are index mutual funds. I chose them because I didn't have a large balance and I want to contribute monthly and because, honestly, I'm afraid of trading ETFs myself.
My RESP (registered education savings plan) for my daughters is over 20,000 so I could go ETFs but since I contribute monthly I would have to change that all up, maybe contribute quarterly.