Murray:

1. You might want to start a new thread with the title "Canadian Newbie Investor seeks help".    Most posters here are U.S.-based.  U.S. and Canadian customers cannot typically purchase  mutual funds from each other's countries.  So most posters here will not have familiarity with the funds available through a Canadian bank--- though if you point out in your thread title you are soliciting Canadians, your fellow countrymen may be able to provide you some insight.

2.  I looked at a couple fact sheets from your link.   The couple I looked at indicated that the funds have very high expense ratios (MERs) of +2.5%.    As a U.S. investor, I would view those as rapacious expenses which come out of your pocket.  But again, I do not know if that is the norm in Canada (I doubt it) or if your bank-sponsored funds are simply being greedy (likely, as U.S. bank-owned funds are that way too).  The fact sheets I looked at also indicated only 1- or 2- rated M* stars (out of a possible 5).  Not good.

3.  You might see if  Fidelity and Vanguard market Canadian versions of their funds in your beautiful land.  If they do,  I suspect you will find better, CHEAPER options.

Good luck.