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Investment Q&A

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

Q: I have a GIC maturing shortly in my RIF. Would like to keep the funds in some type of income/reasonably secure investment, but am having trouble accepting current GIC rates. I have been looking at ZAG, but admit that PAYM has also caught my eye. Could you compare these two and comment on your preference and why (other suggestions are welcome). Also, any comment on where interest rates might be heading over the next or so.

Thank-you
Read Answer Asked by grant on November 07, 2025
Q: I recently transferred my TFSA to a discount brokerage. CIF843 was part of this and then converted to CIF823 (non-trailing). I believe you are not in favour of mutual funds - nor I. Your opinion of this one? And a more attractive/similar ETF? Thanks, as always.
Read Answer Asked by James on November 07, 2025
Q: Good Afternoon. I'm still searching for an international etf that suits my needs, that being a 65 y/o retiree who is more concerned with income, albeit with some growth. Most I have looked at have relatively low yields, around 2% or so. Is there such a thing as a high yield international etf? Are there any that use covered calls? Would also prefer hedged to CAD. Cheers.
Read Answer Asked by Neil on November 07, 2025
Q: I don’t have any international ETF. Can you please suggest 2 to 3 ETF

If you need to buy one ETF which one would you recommend to buy.

Thanks for your excellent service
Read Answer Asked by Hector on November 06, 2025
Q: A question was answered today in which you endorsed 6 ETF's for a passive approach to portfolio construction. If you were to add three additional ETF's to this mix that provided more aggressive exposure to sectors that you liked, what would they be?
Read Answer Asked by philip on November 06, 2025
Q: Hello, I am comparing SCHF (Schwab International Equity ETF) vs
VXUS )Vanguard Total International Stock Index Fund ETF Shares) for
a core international long term hold in my TFSA. I noticed that SCHF is not in your database. Please give my your opinion on these two etfs.
Read Answer Asked by STEVEN on November 06, 2025
Q: Hello!
Now that I’ve reached the age of RRIF withdrawals, I’m looking more closely at income and therefore at covered-call ETFs.
I understand that these instruments don’t fully share in the upsides, but the income of ETFs like EIT, TXF and ZWU is pretty solid.
I’ve also been looking at UMAX its unbelievable 14% yield, but I also see that the unit price has declined quite dramatically over the last few years.
So questions are, how do you feel about these ETFs for income? And if you’re okay with them, which would you recommend?
Thanks for all your help
Michael
Read Answer Asked by Michael on November 05, 2025
Q: Hi, I am asking your thoughts on Ninepoint money market ETF NSAV.NE It does not appear to be in your library. How does it compare to HISA's and other money market funds?
Thanks
Read Answer Asked by Greg on November 04, 2025
Q: Hello,
The etf is not listed on your site but was wondering what you think of it. The symbol is VOLT, Tema Electrification ETF. I would appreciate your thoughts. Thank you.
Read Answer Asked by umedali on November 04, 2025
Q: I currently hold the above ETFs in a RESP and wonder if I should add any other ETF or this is good enough and just keep adding to these ones. Money not needed for 9 years.

Thanks
Read Answer Asked on November 04, 2025
Q: I am a bit confused with BMNR. I was under impression that this is a leveraged Etherium play, and expected the stock amplify the changes in Etherium price. However, when I look at the price changes for the past 2 months, as of today Nov 3, the ETHA is down 13% while BMNR is up 7% since September 1. Can you explain this anomaly please? Do I misunderstand the business model of BMNR?
Read Answer Asked by Nikita on November 04, 2025
Q: Saw this on Business Insider, don't have a subscription so don't know what it is, or if it's worth investing in?

"There's an ETF perfectly positioned for the AI-data-center boom, and it's poised to crush the S&P 500"

Thank you.
Read Answer Asked by Ross on November 03, 2025
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