Looking for advice re: reallocation of money in ETFs.

Hi all,

I'm looking for some advice here. I'm 40 years old, and have a fairly healthy investment portfolio. About 450k in available funds. Some (maybe 80-90k) in mutual funds, which have done fine. I am looking to put the rest of the money in ETFs. I started investing in ETFs only a year ago, when I threw 90k into VFV, and just recently threw another 40k into XEQT.

I removed all my money from ETFs just yesterday as I started reading more and more about this AI bubble. In particular, the VFV makes me more anxious due to its allocation.

I know the general advice is that time IN the market is more important than timING the market.

I'd like some advice though about how to reinvest my money into ETFs which could predictably hit maybe around the 9% annual interest earned benchmark, while also reducing the risk of that money dropping hard and therefore lengthening the time it takes for me to retire.

The ETFs I've been looking at are XEQT, VGRO, TGRO. Any and all advice is appreciated. Is XEQT diversified enough on its own that all my money could go into it? I might be talking about 400k in ETFs I'd like to invest in the next week or so.