Finally, a personal finance community where I can share my Ponzi Scheme!
In all seriousness, just plain old $VEQT for long-term and $CASH or $PSA as a HISA for <5 year time horizon purchases / savings (depending on which has a higher return at the time). Boring and effective. The latter two give a combo of interest and dividends which is taxed more favourably than an actual bank HISA with the same return.
I also use my "fun money" primarily towards psych stocks like $CYBN and $NUMI which I am long on. Finally, I'm considering putting some of my future fun money allotment into a clean energy ETF so that if I ever live somewhere with the ability to install solar panels, then I can use those funds. In the meantime, I'd be passively contributing to the progress of renewable tech. The fun money is completely separate from retirement and savings, and more to scratch that itch since I know it's not a viable long term investment strategy.
I also have a small portion each month invested into Bitcoin and Ethereum (staked) which, too, is independant from retirement/savings.