I have an $18,000 loan at 0% interest till December. I already have the money to pay off the loan but thinking about putting the money in a brokerage account all FXAIX then pay it off. Thoughts? Pushback?

Hi everyone. I have received a 400K settlement. I would love some ideas on how best to invest and reduce taxes. I currently have two investmentproperties with mortgages. And one principal residence with mortgage. I have 100 grand in room in both mine and my husband's tfsa's. What should we put in the tfsa's? Also for the other 200k where should I put it so that it would be best sheltered by taxes. I have a pension so I don't think an rsp is best. My husband could do an rrsp. What mix portfolio? I'd like to do a higher risk. I'd like to retire by 55 which is in about 13 years. Index VFV XIU XQQ Dividend growth... thoughts? TSX:GSY TSX:IMO TSX:POW TSX:BEP.UN (TSX:VDY) TSX:XEI (TSX:CDZ)