Q: Hi 5i.

I have transitioned from 55 stocks to 25 hybrid (ETF (16) & keeper stocks (9)) 3 months ago, based on 5i Stock & ETF Growth/Balanced portfolios. Sleep better.

Question: Given 'Ya can't time the market', can one successfully/intelligently tweak holdings a bit based on current economic conditions?

Example: Given USA-China trade war risk, move 20% (VEE, VTI, VVL, XEF, AYX) to (ZAG, XBB, CLF, HFR, ENB). If market goes down -2%, swap half back. Another -2%, swap back remaining half; otherwise, do nothing. Do this at most say 3 or 4 times a year.

Am I just kidding myself that ETFs can be used differently than individual stocks?
I did buy more (VVL, VEE) with available cash when they went down -3% (last week) from when I bought them, with little emotion. Just felt 'smart'. Or am I deluding myself?

Thank you for your continued wise advise for 6+ years.

Q: Good Morning, I have been watching ZAG and XBB in order to deploy cash. Not sure when is a good entry point? I know we cannot time the market but what would you suggest I should look for (e.g.. off it's 52 wk high, net asset value etc). Which one would you prefer ZAG or XBB. Thank you. Heather

Q: Hi Team,

Question about income etf's, i have roughly 225k invested. I am 50 years old and have always been an aggressive investor. Usually an 80%equity to 20%income. In which etf or etf's would you allocated the 20%

Thanks