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  5. HMAX: HMAX's dividend has been slowly declining since the ETF's inception in 2023. [Hamilton Canadian Financials YIELD MAXIMIZER TM ETF]
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Q: HMAX's dividend has been slowly declining since the ETF's inception in 2023. Please offer an explanation for the decline, as well as provide your thoughts on the size of the dividend going forward. This is one of the few investments I hold strictly for the income stream and, if the dividend is likely to continue trending down, I will be moving on. Thank you.
Asked by Maureen on August 28, 2025
5i Research Answer:

While we cannot 'prove' the reason, volatility has decline over the past 18 months or so, and this has likely resulted in lower call option premiums in the financial sector. 81% of the distribution is taxed as return of capital and the manager may have some discretion as well in managing distributions. The financial sector itself is up 56% in the past two years, and there has not been many dividend cuts and in fact the opposite has occurred at most financials. The 16.5c dividend has dropped about 2c in the past two years. We cannot really predict where it is going to go. It depends on volatility, options volume/pricing, dividends and the sector as well as the market in general. But the yield remains very high for those seeking tax-advantageous income. If this is in a non-reg account, we would consider the after-tax yield here versus other alternatives before moving on.