Q: Hello, which fixed income: ETF/Bond/GIC investments would work best under current economic conditions of lower rates coming from the US FEDS and Canada.? And, do you suggest staying short or long? .. Of course the lowest possible risk.
Thanks
Carlo

Q: I am a senior citizen now with a lower tolerance for risk and accepting of a lower rate of return on my investments for that. When interest rates increased, I invested in MM funds; now with rates going south, I am looking to get back into some more conservative stocks/ETF/Mutual funds with growth prospects.
Can you provide 5 stocks/ETF's you believe would fill this request. I am looking at Canadian but if there isa US one that makes sense, I would look at it.
As always, thanks for your advise.

Regards

Jim

Q: Retired (70 yrs old), dividend-income investor. Been meaning to ask this question for a long time. We run a concentrated portfolio of roughly 10 ETFs and 10 stocks, plus fixed income on top. Our pro-rated MER for the equity ETFs is 0.64 and for the entire portfolio is 0.38.

I use the ETFs above that are sector ETFs (like HHL, NNRG, XIT) as my proxy for the sector and am ok with the trade off of paying fees for a sector ETF instead of having lots of stocks.

I then add my individual stock selections to achieve my targeted Asset Allocation for the entire portfolio (like AD, BCE, FTS, GSY, RY, NWC, PBH, TRP, WSP, etc). I weight each of these relative to my risk tolerance.

Does this make sense to you? Does my "sector ETF" make sense, especially with a potentially large weighting in one ETF. Virtually all of my ETFs are capped at around 7% of the equity portfolio and the stocks are capped at 5% max.

Your thoughts on my strategy and on my MER....thanks...Steve