Newcomer investment setup

I’m 30M, moved to Canada from Europe and now in Toronto. I started a new job in Feb (~$120k). No debt right now, but I’ll need to buy a car soon (most likely down payment + financing).

I’m currently transferring about ~$150k CAD to Canada from savings/previous investments. One constraint: I’ll owe ~20k CAD in taxes back home in 2027, so I want to keep that money safe/liquid.

Back home I mainly held:

• employer RSUs (sold ~90% now)
• a few ETFs (S&P 500 / all-world / gold / some US bond ETF — all sold)

I’m still learning the Canadian account setup (TFSA/RRSP/FHSA/non-registered, etc.). So far I opened a TFSA with Wealthsimple and contributed the full $7k for 2026, but it’s just sitting in cash. I’m thinking of putting the TFSA 100% into XEQT and leaving it alone, but not sure if I should diversify more.

Current rough plan:

• Keep some cash in a HISA (RBC HISA or Wealthsimple Cash/chequing) for emergencies + car purchase
• Keep the ~20k tax money somewhere safe/liquid
• Max TFSA every year (XEQT or similar)
• Invest the rest in a non-registered account (mostly broad ETFs)

Questions:

1. Is 100% XEQT in TFSA a reasonable “set and forget” move if I’m fine with volatility, or would you add something else (bonds, another equity ETF, sector tilts like AI, etc.)?
2. Best place to park the ~20k tax money + near-term car fund: HISA vs WS Cash vs CASH.TO vs something else?
3. As a newcomer, does it still make sense to prioritize TFSA first, or should I look at FHSA/RRSP before putting a lot into non-registered? (No employer RRSP match, and I’m not sure I want to buy a home.)
4. Ideally, what would a good account order + portfolio look like for ~$150k?

Appreciate any advice (and if I’m missing something obvious, please tell me). Thanks!