While tangerine is okay for people who don't want to do anything, it's still far behind Questrade and learning the little you need for passive index investments. (Buy the index and done.)
TD E Series is a mid-way point, you might as well go direct to a brokerage like Questrade.
By the way, 11% is not great for 2 years. (Especially since last year had 9% growth for Can, and 20% for US). There's enough right there to tell you that you are losing large amounts.
There have been changes to the Questrade system, so buying ETFs no longer cost anything so the >50k mark is no longer necessary.