I'd say if yield is your focus FCID is one of the better options out there. However, the only difficulty there is it is not currency hedged. I find most of the higher income international funds just don't provide currency hedging.
And keep in mind, when I say that FCID is one of the better options out there, it still hasn't been all that good by any stretch. When we are looking at broad based international funds, I believe the focus should be on quality before yield.
If you're looking for A Canadian hedged international fund that covers it all, I do think XIN is one of the best out there. I would imagine, considering your age, you're looking to go for lower volatility and go to developed international markets versus emerging? If that's the case, XIN is solid.
Now, if you do want a bit of emerging market exposure, I really like ZEM.TO. You could easily mix something like ZEM, which is an emerging market ETF from BMO, with a developed market ETF in order to create a strong mix of developed/emerging coverage globally.
I try to avoid making any sort of predictions for the markets over the timespan of a year. It gets even more difficult now because of all this AI-related spending. If it works out, it is hard to see the markets not being higher over the next couple of years as this bull run continues. But if spending proves to be unwise, we could be much lower.
If one were to force me to make a prediction, I'd say we continue a solid pace of increases in 2026. I'm generally a bull most of the time, and I do feel AI spending will continue to ramp higher into 2026 and we won't quite have a clear picture as to whether or not it's providing solid returns just yet.