RE:Crypto ETF! If you hold bitcoin on your own wallet and try to buy/sell, you will pay for the blockchain transaction to move from the wallet to the exchange and then for the buy/sell spread with your trading platform. So for example, Shakepay would cost you about 2% from the market cost of bitcoin, AND the gains would be taxable (Public Service Announcement: you have to tell the taxman about your crypto capital gains in a non registered account!). So the 1% MER in a bitcoin ETF held in a TFSA where any gains are tax free is a good deal.