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I am in the exact boat as you. Gold plated pension that I don't deserve and I max out the TFSA and RSP.

My pension is my "bond" component and I am 100% equity.

If I were an indexer I would simply DCA monthly into each account, maybe a 3 way split between CDN/US/Global etf or index fund.

Personally I am dividend growth investing and keep cash only if I feel there is nothing on sale or at least fairly priced. I do not keep cash at hand to satisfy an asset allocation model.

Sure we would all like to put our money where it will get the best available return but where is that?

But anyway I see nothing wrong with all equity unless you absolutely cannot tolerate swings in value.
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