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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: RE: Asked by Larry on August 16, 2024 -- Follow-up:

Are those not amazingly good 1-year returns for HDIV, HDIF: H DIF: 19.3%, HDIV 23.3%? Is there risk here or some other reason to be cautious? Thx.
Read Answer Asked by Paul on August 21, 2024
Q: What are the tax implications of owing the iShares Gold Trust (IAU) in RRSP and non-RRSP accounts? Is IAU treated the same as other US ETFs for Canadians, from a tax perspective?

I recently read that the US taxes gold as a collectible, at a higher tax rate than equities. Does this apply to Canadians who own IAU?

Thank you for this excellent service.
Read Answer Asked by Dale on August 21, 2024
Q: Dear 5i team.

I tried going through recent Q+A to make sense of these two ETFs.

Can you simplify for me?

1) What are the key differences of these two? The yappear to have similar holdings, just diff %.

2) Closing in on one year since inception, any more visibility to performance/cost etc?

3) Can both be held, or do you prefer one over the other?

Many thanks for your help.
Read Answer Asked by Arthur on August 20, 2024
Q: Please provide you input on the pros and cons on the difference between ETF bonds, such as RQQ, with maturity dates, vs ETF bonds, such as VAB and/or XLB, with no maturity dates. Instead of investing in GICs, which you are locked in for a period, RQQ can be bought and sold when the market opens, making it seems to be almost as good as GIC.
Thank you
Read Answer Asked by Roger on August 20, 2024
Q: Good afternoon, I am realigning my RRSP account using geographic and asset type recommendations. The asset allocator recommends that 15% of my portfolio be in fixed income. Can you please recommend a few fixed-income ETFs? Also, should fixed-income holdings be mostly domestic or include international as well? Lastly, would you consider CASH.CA part of the fixed-income component of a portfolio or simply a place to keep cash until it is directed into another asset? Thank you in advance.
Read Answer Asked by bernie on August 20, 2024
Q: If you were looking to put on a gold trade at this time, would PHYS .TO be a good choice
It is up 38% in the past 52 weeks.
Do you see a good risk/ reward upside, in gold at this time? Or is it too late ?
Would you suggest another stock or ETF for gold exposure instead of PHYS.TO?
Read Answer Asked by Indra on August 20, 2024
Q: Which of the following ETFs has the biggest potential return if interest rates continue to go down: XCB XLB ZRE
Read Answer Asked by Robert on August 19, 2024
Q: In responding to a question regarding ZSML in Nov 2021 you stated "While volume is low, it has $351M in assets, and is likely quite profitable for the bank at that level." I see that, according to TDW, it now has $166.2M in assets. At this lower level would you still see it as profitable for the bank? Are the assets lower due to investors selling units? You have indicated recently that small caps could be coming into their own, so is ZSML a good option to add to my small caps at this time? Many thanks.
Read Answer Asked by Dennis on August 19, 2024
Q: Can you compare the three and why you would prefer one over the other? And also for a retired income dependant investor how much would you consider to allocate in a portfolio? Tks Larry
Read Answer Asked by Larry on August 16, 2024
Q: Is there an Canadian ETF that covers the magnificent seven?
Thanks very much.
Dorothy McConville
Read Answer Asked by Dorothy on August 16, 2024
Q: Hello 5i Team

1 - HBB

Global X's webpage for Global X Canadian Select Universe Bond Index Corporate Class ETF (HBB) lists the following fees:

Management Fee - 0.09 % + applicable sales tax
Management Expense Ratio - 0.10 %
Trading Expense Ratio - 0.15 %
Swap Fee - No more than 0.15 %

Therefore are the maximum total fees that I would pay for HBB as follows:

Management Expense Ratio + Trading Expense Ratio + Swap Fee

0.10 % + 0.15 % + 0.15 % = 0.40 %

2 - HSAV

As HSAV is also a corporate class fund why would Global X not list a swap fee for HSAV?

Thanks


Read Answer Asked by Stephen on August 16, 2024
Q: Hi team,

Grateful for your updated views on the above stocks. Would you buy them now for strong growth ? Or could you provide better alternatives ?

Have a good day,

Jacques IDS
Read Answer Asked by Jacques on August 16, 2024
Q: With a long term view, what proportion would you allocate to each of the above to make a balanced portfolio?

Thank you
Read Answer Asked by Yves on August 16, 2024
Q: Very curious as too why you seem to support HDIV. Looking at the sell-off window between Jul 31 and Aug 7 this year, HDIV declined approx 40% more than the avg decline of the TSX, S&P500 and DOW. I fully understand at/out of money risk, but it seem leverage, which HDIV uses, is not great in market downturns. I know the window for this analysis is narrow, however it seems to show the risk of leveraged funds.
Read Answer Asked by Christopher on August 15, 2024
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