Personally, I would recommend that you spend less time listening to your friendly, neighbourhood advisor and more time studying the model portfolios at
www.canadiancouchpotato.com
And, keep your fees as 'little' as possible.
Buy, hold, and prosper!!
Note: Many advisors will not recommend low fee ETF's because they are not licenced to sell them.
Either you can keep the money in your portfolio or you can pay a lot of it out in fees that really add up year after year after year, ad nauseum.
And remembver that many advisors are primarily mutual fund salespersons.
If you use an advisor at all, make sure that he or she is a 'fee only' advisor who charges you for their time but does not receive ongoing renumeration from the products that they promote to you.