EizenbergIf you are waiting for sub $5 on FTN then , good luck to you and you will never own.Sub $5 means no dividend , the last time it was that FTN missed 2 get it 2 divy payments and that my friend was in the mega downturn of COVID That was it , It was also when oil was a negative number and the whole market , Canada and the USA got pummeled , but look at the last 3 year recovery. Do what you want , after all it is your choice but l feel you don't have a clue about split funds and if you remember every TSX stock got whacked.The financials are the backbone of our economy and if you think anything will be immune if they crash , then l suggest you don't invest at all , go to GOVs or hide the cash under your mattress and let inflation destroy its value.Good luck in whatever you do , you will need it.