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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: What are your favorite markets outside of the US to invest in today.I am looking for three or four ETFs to hold for the next 5-10 years for international diversification.

Thanks for the excellent service that you provide for the small investor!
Have a great day!!!
Read Answer Asked by Thomas on February 12, 2026
Q: Can you give me the pros/cons of adding any of these to my TFSA. If so, which one(s) would be best if the goal is somewhat secure dividend yield.
Read Answer Asked by Graham on February 11, 2026
Q: would it be duplication to own both ZDV and CDZ in the same unregistered account? should I go with the highest yielding one? I note that CDZ holds more financial, could that be a drawback going down the road?
Read Answer Asked by steve on February 11, 2026
Q: These ETFs advertise on their website annualized yields of between 10.5% and 11.7% which seems very attractive using covered calls and leverage at a management fee of .65%. Do the covered calls generate that much income to increase the yield as well as the leverage? Also does the yield include a significant return of capital?

Thanks for your great service!!
Read Answer Asked by Bryan on February 11, 2026
Q: Hi 5i.

Thank your for this service.

I am looking an re-balanicng my etf portfolio for my kids.

Would you think these ETF and allocations are ok for 20 years for my kids

Zag 5%
QQC.F 15%
VDY 15%
VIU 10%
VEE 5%
VFV 40%
XFN 10%

Total 100%


Thanks for your guidance.


Read Answer Asked by CARMELO on February 11, 2026
Q: Hi,

I have all of my international equity in XEF with a small amount of VEE. I noticed that IDV has performed extremely well this past year and better than XEF. Can you please explain why?

And are the two different enough that it would make sense to own both or is this too much diversification with both being broad market ETFs?

thanks
Read Answer Asked by Everett on February 11, 2026
Q: Have an RRSP currently holding 2 bank positions (BMO and NA) that represent 11% of the portfolio Also hold XIU and XIC that total 15 percent of the portfolio and CDZ that is roughly 10 % of the portfolio.
Thinking of adding BNS or selling the two banks and buying ZEB. Which is better option given the other ETF’s ?What percentage holding in the banks would be appropriate?
Also should portfolio hold both XIU and XIC or should they be combined into one of the two. And if so how does this affect the direct holding in the banks? Perhaps not needed at all? Would appreciate your comments.Thanks.
Read Answer Asked by John on February 11, 2026
Q: To balance my portfolio what bond etfs and other fixed income would you recommend currently, give CAD And US options?
I have accumulated quite a lot of USD from good returns and I am seeking to broaden my exposure to non US stocks (e.g. Europe) are you okay with buying the US equivalent ETFs or do you recommend converting back into CAD?
Read Answer Asked by Mark on February 11, 2026
Q: Could you give me your opinion on which you prefer out of this list ? If one was to combine 3 or 4 of these what would be a good combination ? You may take more than 1 credit if you wish.
Read Answer Asked by Pierre on February 11, 2026
Q: A couple of days ago I asked a question about what ETFs you like that focus on industrial, manufacturing in Canada, USA and outside North America. As I noted I am looking for funds that are in Canadian dollars [ hedged or non hedged ]. You responded with ZIN, XLI, EUAD, & EXI. Except for ZIN these are in USD. What do you suggest in Canadian dollars.

Thank you

Paul
Read Answer Asked by paul on February 11, 2026
Q: What ETFs do you like in the industrial, manufacturing space in CAD? Please provide for 1} Canada 2] USA and 3 } outside North America.

Thank you

Paul
Read Answer Asked by paul on February 10, 2026
Q: You scared me this morning in your answer to Benoit . The first line in your answer was .... " These ETFs use an ultra-short option strategy. " ..... I own QDAY and was under the impression that they used a zero day " Call " option strategy on the Nasdaq . I can find nothing on their website indicating they use any kind of " short " strategy never mind " ultra short " .... Please explain ? I am not interested in shorting the Nasdaq . If that is what it is doing it will be sold immediately .....
Read Answer Asked by Garth on February 10, 2026
Q: Conservative investor, given where markets are trading....and Trump. Seeking a 4+% yield with reasonable safety of principle in mind. In a 50/50 fund, what percentage of fixed income would you place in ZLC. Might a better approach be to just raise the total equity allocation instead by adding some US holdings, like ZWH for example? I realize you don't know all my details, just looking for a general comparison. Fantastic service, thanks.
Read Answer Asked by Curtis on February 10, 2026
Q: Sometime ago, there was a question requesting your suggestions about ETF's for a young person just starting to invest in a TFSA. Unfortunately, I couldn't find it.

Wondering about ZWC and XUS (50/50) for my 19 year old grandson's first investments in his TFSA but any other recommendations would be appreciated.
Thanks as always for your assistance. It is appreciated.
Read Answer Asked by Thomas on February 10, 2026
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