skip to content
  1. Home
  2. >
  3. Questions
  4. >
  5. HMAX: I am a retiree in my 70s and my wife and I are considering downsizing to one floor living in a condo. [Hamilton Canadian Financials YIELD MAXIMIZER TM ETF]
You can view 1 more answer this month. Sign up for a free trial for unlimited access.

Investment Q&A

Not investment advice or solicitation to buy/sell securities. Do your own due diligence and/or consult an advisor.

Q: I am a retiree in my 70s and my wife and I are considering downsizing to one floor living in a condo. And we might rent a higher end unit vs. buying. To fund the rent I am considering putting a considerable sum - seven figures - into HMAX from the proceeds of the house sale. This is entirely separate from my investment portfolio which is diversified. While you obviously can't comment on such a personal decision what can you tell me about the history of the Hamilton funds and their owners and can you comment on the covered call strategy and Hamilton's abilities to apply it. Any other upsides or downsides are welcome. Thank you.
Asked by Kim on March 27, 2026
5i Research Answer:

While we cannot personalize responses, and each individual investor has their own unique risk tolerance levels and ability to take risks, one positive factor about HMAX is that it does not use leverage. Hamilton is fairly new but it is growing fast, its total AUM is still fairly small though ($2B to $2.5B AUM). Its high yield ETFs were launched around 2023, but in terms of size and scale they are very small compared to a large name like Blackrock, Vanguard, any of the Big 6 Banks. Hamilton has a credible team that is specialized in options though, and for HMAX, it writes covered calls on about 50% of the portfolio, and often at-the-money, which does not allow for as much upside potential as other covered call ETFs, but focuses more on the income side. 

The high yield of HMAX is nice, but this strategy can underperform in rising markets, and some of the distributions may be Return of Capital. It also has over 75% of its holdings in the Big 6 banks. We are OK with the name, but it is quite new, the AUM is about $2.0B, and we would be highly cautious on position sizing. We would prefer an approach of diversifying across several different ETF issuers and strategies.