ZDY
BMO US DIVIDEND ETF
stock TSE

Here for sanity check/advice. Namely, my questions are:
1. Do I have too much US allocation for this climate. For example, should I ditch some VGRO/VEQT for XAW (or something else)?
2. Is it unproductive to hold both VGRO and VEQT?
3. Am I on track for appropriate retirements savings?
Financial goal is retirement savings. Horizon is 20 years. I would like to retire at 60 and have an annual retirement income of $50k.
I'm not including my husband in this assessment, but he has $300k invested (slightly different portfolio than mine) and will also aim to have an annual retirement income of $40-50k.
It may be worth noting that we do not own a home, however, we rent by choice and have no stress/worries about this nor a desire for home ownership. We do own a piece of land (1.5 acres in Kawarthas, non-waterfront) on which we might build a cottage at some point. If we do, our calculations will have to change.
I expect a $35k annual pension (single employer defined benefit pension plan that provides retirement income from 65 until death). I don't include OAS and CPP into my calculations.
Total investments currently $320k.
FHSA is in [CASH.TO](http://CASH.TO) and currently sitting at $28k.
RRSP is currently $184k:
* ZDY: $61k
* XIC: $123k
TFSA is $108k:
* VEQT:$45k
* VGRO: $63k
Any thoughts you can share would be much appreciated!

Here for sanity check/advice. Namely, my questions are:
1. Do I have too much US allocation for this climate. For example, should I ditch some VGRO/VEQT for XAW (or something else)?
2. Is it unproductive to hold both VGRO and VEQT?
3. Am I on track for appropriate retirements savings?
Financial goal is retirement savings. Horizon is 20 years. I would like to retire at 60 and have an annual retirement income of $50k.
I'm not including my husband in this assessment, but he has $300k invested (slightly different portfolio than mine) and will also aim to have an annual retirement income of $40-50k.
It may be worth noting that we do not own a home, however, we rent by choice and have no stress/worries about this nor a desire for home ownership. We do own a piece of land (1.5 acres in Kawarthas, non-waterfront) on which we might build a cottage at some point. If we do, our calculations will have to change.
I expect a $35k annual pension (single employer defined benefit pension plan that provides retirement income from 65 until death). I don't include OAS and CPP into my calculations.
Total investments currently $320k.
FHSA is in [CASH.TO](http://CASH.TO) and currently sitting at $28k.
RRSP is currently $184k:
* ZDY: $61k
* XIC: $123k
TFSA is $108k:
* VEQT:$45k
* VGRO: $63k
Any thoughts you can share would be much appreciated!