Q: I am retired but with a small consulting business that has cash sitting in an investment account. I have some concern about the valuation of the current markets and looking to invest with some tilt towards safety realizing nothing is guaranteed. I think ETFs may add a small amount of safety. With that in mind, I am looking at the following ETFs: XUT, XSU, XST, VIDY, TECH, TEC, JXI:US, FEQT with a slightly higher position in FEQT.

I would greatly appreciate your comments/thoughts and suggestions for improvements.

Thanks for this super service!

Q: I'm looking for an ETF that complements my VDY. In particular I'd like yield with some growth, and fairly defensive. I don't mind which is greater, yield or growth. I've spotted VIDY, and it looks good, and might complement my VDY in that it is similar but EX North America. I suppose the yield is not Div Tax Credit, so if there is a Canadian ETF that complements VDY, in the sense of holdings, I'd consider that too. But the Tax Credit is not essential, so a US complement (sold in Canada) might work also. So complementary to VDY in terms of geography or holdings would be good.

Q: Hi Peter and 5i Team,

I need to raise some cash and plan to sell/reduce in a non-registered account to accomplish this. Of the stocks and ETFs addressed in this question, please rank them in the order that YOU would sell/reduce, starting with the ones to sell/reduce first. If any holdings are an outright sell, please indicate. For example, we've held BYD for a long time and have a decent gain, but it's short-term performance has faltered somewhat.

As always, thanks for your insight.