Q: I currently have only limited representation in my portfolio of International markets (a few ADR's and a few ETF's). In an uncertain world, I understand it is difficult to have a high degree of confidence in what economies may do well or poorly at present, however I would appreciate your best efforts!

I am interested in 3 ETF's that you believe would show growth >5% over the next 5 years; ones that would be suitable in a "balanced" portfolio verging on a "growth" portfolio. I already own VEE and XEF.

I would also appreciate 3 specific foreign publicly traded stocks (accessible to Canadians via ADR's or markets) that fit nicely in the "growth" category. I already own ING, RACE, ASML and NBIS.

Thanks very much for your insights.

Dave

Q: I currently hold these 4 ETF's in a RRSP account. Is there any other ETF that you would add to this list?

Q: Good morning.

I have a sizeable amount of US dollars in my TFSA and RRIF accounts and intend to add international investments with that money. I can either just purchase the XEF.u with the US money or go thru the Norbert Gambit process to convert to canadian dollars and then buy the XEF ETF. My question is which would you recommend and also buying XEF.u in my TFSA which I believe is a Canadian listed ETF would there be a 15% US withholding tax on the dividends.

Many thanks.