“They’re not licensed professionals. If you speak to 2 different reps, you’ll get 3 different opinions.”

You don’t know that. Some initial reps may not be professionaly designated but it’s pretty naive to think that calling the CRA will result in you getting incorrect information that will result in you misfiling.

I’ve called before and been sent up the ladder to supervisors or level 2 support who have the ability to answer more advanced questions. There is an accountant or two employed by the CRA believe it or not, and they will find someone who can give you the correct answer, they don’t just make shit up for fun.

“The underlying funds don’t track the same indexes (S&P vs FTSE vs SPDR).”

That makes total sense, agree.