Investment Q&A

Q: Hi 5I
What is your opinion of this BMO Broad Commodity ETF?.
Would you scale into it here?
Thanks. Cheers

Upvote 2

Read Answer Asked by Hans on October 30, 2025

• iShares Core MSCI All Country World ex Canada Index ETF (XAW $53.01)
  • $53.01 P/E (TTM): 21.38X Cap: $3.80B
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• Vanguard FTSE Developed All Cap ex North America Index ETF (VIU $45.12)
  • $45.12 P/E (TTM): 23.36X Cap: $8.28B
  • View VIU Profile
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• Vanguard FTSE Emerging Markets All Cap Index ETF (VEE $46.82)
  • $46.82 P/E (TTM): 6.13X Cap: $3.41B
  • View VEE Profile
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• iShares MSCI ACWI Ex US Index Fund (ACWX $69.76)
  • $69.76 P/E (TTM): 14.94X Cap: $8.48B
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• Vanguard Total International Stock (VXUS $78.47)
  • $78.47 P/E (TTM): 9.02X Cap: $121.79B
  • View VXUS Profile
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• SPDR EURO Stoxx 50 ETF (FEZ $66.65)
  • $66.65 P/E (TTM): 58.85X Cap: $5.23B
  • View FEZ Profile
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• Vanguard FTSE All-World ex-US ETF (VEU $76.58)
  • $76.58 P/E (TTM): 10.49X Cap: $54.62B
  • View VEU Profile
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Q: I need to add more global allocations to my portfolio. Can you suggest three Canadian and three U.S. ETFs?

Upvote 2

Read Answer Asked by Roy on October 30, 2025

• iShares Russell 2000 Growth ETF (IWO $345.49)
  • $345.49 P/E (TTM): 22.82X Cap: $14.30B
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• INVESCO QQQ Trust (QQQ $619.55)
  • $619.55 P/E (TTM): 30.59X Cap: $412.31B
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Q: Thank you for your time.

I have some money to invest in my TFSA.
Should I be looking at an ETF in the Nasdaq 100, the Russel 2000 , an International or emerging market for potential upside?
Could you please supply a few suggestions.
I am in my 70s and this money will be left to my children.

Dave

Upvote 3

Read Answer Asked by David on October 30, 2025

• iShares S&P/TSX Canadian Preferred Share Index ETF (CPD $13.89)
  • $13.89 P/E (TTM): 7.14X Cap: $1.05B
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• BMO Covered Call Canadian Banks ETF (ZWB $25.38)
  • $25.38 P/E (TTM): 11.7X
  • View ZWB Profile
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• Vanguard Canadian Short-Term Bond Index ETF (VSB $23.50)
  • $23.50 Cap: $1.35B
  • View VSB Profile
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• Global X Cash Maximizer Corporate Class ETF (HSAV $116.86)
  • $116.86 Cap: $1.91B
  • View HSAV Profile
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• BMO Money Market Fund (ZMMK $49.88)
  • $49.88 Cap: $5.66B
  • View ZMMK Profile
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• Harvest Canadian T-Bill ETF (TBIL $50.04)
  • $50.04 Cap: $112M
  • View TBIL Profile
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Q: In the current environment, of the above etfs, in a taxable account, where would you cash for a 1 year hold for 1) low risk; 2) moderate risk ? Is there another vehicle you like better ? Thank you.

Upvote 3

Read Answer Asked by Paul on October 30, 2025

Q: I am trying to reduce risk in my TFSA. I am 76 years old. What do you think of AGF GLOBAL SELECT FD CL F(808) as an option? Do you have other suuggestions for this strategy? What would be an appropriate percentage of bond exposure in a TFSA for someone of my age with a moderate tolerance for risk?

Upvote 3

Read Answer Asked by Ron on October 30, 2025

• Global X Cash Maximizer Corporate Class ETF (HSAV $116.86)
  • $116.86 Cap: $1.91B
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Q: The price of HSAV is the same as 2.5 months ago and the premium shrunk to 0.14%, which seem to be extremely low considering the tax advantage of HSAV. Is it because there are a lot of sellers and nobody wants to keep money in cash these days? Does it have something to do with the CDN$? Or there are other reasons for such a poor performance of this fund lately?

Upvote 3

Read Answer Asked by Andrew on October 28, 2025

• First Trust NASDAQ Clean Edge Smart Grid Infrastru (GRID $156.38)
  • $156.38 P/E (TTM): 53.06X Cap: $5.33B
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Q: With ETF's would you suggest to best take advantage of the expected growth in demand for electricity and it's infrastructure?

Thanks

Phil

Upvote 3

Read Answer Asked by philip on October 28, 2025

• INVESCO QQQ Trust (QQQ $619.55)
  • $619.55 P/E (TTM): 30.59X Cap: $412.31B
  • View QQQ Profile
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Q: Good morning 5i
You recently answered a question from a member asking how to set up an etf portfolio in which you mentioned holding QQQ as well as a US s&p etf and a couple of outside North America etf’s. It got me thinking about my own mix. I am retired and hold voo as well as vwo and a European etf. I also hold a few teck stocks such as nvidia, shop, google directly at full weight. Because of this i didn’t want to put too many of my eggs in the Technology basket, thus avoiding QQQ, thinking that i have enough exposure with voo and my individual holdings. Do you think that it would be prident to hold more QQQ?
Thanks

Upvote 4

Read Answer Asked by joseph on October 28, 2025

• iShares 1-5 Year Laddered Corporate Bond Index ETF (CBO $18.60)
  • $18.60 Cap: $789M
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• iShares Core Canadian Universe Bond Index ETF (XBB $28.32)
  • $28.32 Cap: $9.24B
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• iShares U.S. High Yield Bond Index ETF (CAD-Hedged) (XHY $16.74)
  • $16.74 Cap: $967M
  • View XHY Profile
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• Vanguard Total Bond Market ETF (BND $74.43)
  • $74.43 Cap: $146.76B
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Q: I am all equities in my RSP and RIF portfolio. Although a solid blue chip list of Cdn, US, some international, I would like to mitigate risk by adding one or two bond etf's (cdn dollar). These can be Canadian bonds or a combination NA and global. Please offer one or two...and are we looking at shorter duration or longer in light of current interest rate environment/future outlook. Ideally 4%+ yield

Upvote 8

Read Answer Asked by Harry on October 27, 2025

• iShares S&P/TSX Canadian Preferred Share Index ETF (CPD $13.89)
  • $13.89 P/E (TTM): 7.14X Cap: $1.05B
  • View CPD Profile
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Q: What role can a Preferred Share ETF play in an income portfolio? With the current values of the bank stocks would it be reasonable to move some of the bank monies into a Preferred Share ETF to take advantage of the higher payout? If so which ETF would you recommend?

Upvote 6

Read Answer Asked by Reg on October 27, 2025

• BMO Mid-Term US IG Corporate Bond Index ETF (ZIC $18.74)
  • $18.74 Cap: $3.64B
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• Lysander-Canso Broad Corporate Bond Fund Series A (LYZ811A $11.05)
  • $11.05 P/E (TTM): 8.9X Cap: $10M
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Q: Hi,

Can you please comment on this fund and suggest any alternatives in the ETF world with similar exposure but perhaps lower fees? If a similar ETF exists, what would you recommend?

Thank you. Michael

Upvote 4

Read Answer Asked by Michael on October 27, 2025

• PIMCO Monthly Income Fund (Canada) Series A (PMO005 $12.73)
  • $12.73 P/E (TTM): 3.6X Cap: $2.10B
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• PIMCO Monthly Income Fund (Canada) (PMIF $18.41)
  • $18.41 P/E (TTM): 3.54X Cap: $4.11B
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Q: Hi,

Could you please compare and contrast the risk, rewards and performance of these two funds? Which do you prefer and why?

Many thanks. Michael

Upvote 3

Read Answer Asked by Michael on October 27, 2025

• iShares S&P U.S. Mid-Cap Index ETF (XMC $36.89)
  • $36.89 P/E (TTM): 19.87X Cap: $612M
  • View XMC Profile
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• iShares Core S&P Mid-Cap ETF (IJH $69.43)
  • $69.43 P/E (TTM): 19.87X Cap: $107.88B
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• BMO S&P US Mid Cap Index ETF (ZMID $51.68)
  • $51.68 P/E (TTM): 20.43X Cap: $298M
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Q: I own ZMID, and like its holdings and its exposure to mid-sized American companies, but find it a little illiquid.

Are there any other ETF's that cover the same market cap of American companies that is a bit more liquid? I know of XMS and it is much more liquid but it is hedged...know you prefer unhedged when possible...

Upvote 3

Read Answer Asked by Jeff on October 27, 2025

Q: Opinion on Direct Indexing by Wealthsimple ?
Worth it for after-tax returns ?

Upvote 3

Read Answer Asked by Martin on October 27, 2025

• Harvest Global Gold Giants Index ETF (HGGG $99.32)
  • $99.32 P/E (TTM): 30.57X Cap: $58M
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• Harvest Tech Achievers Growth & Income ETF (HTA.B $20.87)
  • $20.87 P/E (TTM): 32.92X Cap: $7M
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Q: What's your opinion on these two for someone in their 70s? and right now are they a buy at current prices?

Upvote 6

Read Answer Asked by Danielle on October 24, 2025

• Duke Energy Corporation (Holding Company) (DUK $118.68)
  • $118.68 P/E (TTM): 18.53X Cap: $92.29B
  • View DUK Profile
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• NextEra Energy Inc. (NEE $81.98)
  • $81.98 P/E (TTM): 25.83X Cap: $170.02B
  • View NEE Profile
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• Xcel Energy Inc. (XEL $76.20)
  • $76.20 P/E (TTM): 22.56X Cap: $44.32B
  • View XEL Profile
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• Fortis Inc. (FTS $72.09)
  • $72.09 P/E (TTM): 20.42X Cap: $36B
  • View FTS Profile
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• AltaGas Ltd. (ALA $40.78)
  • $40.78 P/E (TTM): 16.13X Cap: $12.21B
  • View ALA Profile
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• Capital Power Corporation (CPX $60.33)
  • $60.33 P/E (TTM): 21.0X Cap: $9.50B
  • View CPX Profile
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  • View Reports on CPX
• BMO Equal Weight Utilities Index ETF (ZUT $25.49)
  • $25.49 P/E (TTM): 17.91X Cap: $823M
  • View ZUT Profile
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• Hydro One Limited (H $52.76)
  • $52.76 P/E (TTM): 24.81X Cap: $31.69B
  • View H Profile
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• State Street Utilities Select Sector SPDR ETF (XLU $43.17)
  • $43.17 P/E (TTM): 23.44X Cap: $21.90B
  • View XLU Profile
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Q: What is the best way to play Utilities in Canada & US? Stocks or ETFs? Which ones? Thanks!

Upvote 18

Read Answer Asked by Austin on October 24, 2025

• iShares Global Healthcare ETF (IXJ $100.17)
  • $100.17 P/E (TTM): 26.68X Cap: $4.64B
  • View IXJ Profile
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• State Street Health Care Select Sector SPDR ETF (XLV $157.86)
  • $157.86 P/E (TTM): 24.15X Cap: $41.59B
  • View XLV Profile
  • View Questions on XLV

Q: Hello team, could you please give me your thoughts on XLV and IXJ.

Interested in how they compare and if you prefer one over the other. A good entry price would also be appreciated.

Thanks as always for your advice.
Paula

Upvote 3

Read Answer Asked by Paula on October 24, 2025

• State Street Financial Select Sector SPDR ETF (XLF $54.15)
  • $54.15 P/E (TTM): 16.66X Cap: $53.20B
  • View XLF Profile
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• iShares S&P U.S. Financials Index ETF (XUSF $80.78)
  • $80.78 P/E (TTM): 16.53X Cap: $53M
  • View XUSF Profile
  • View Questions on XUSF

Q: Good morning,
What are your thoughts on this relatively new ETF in the Financial sector and are there better alternatives that you would recommend?
Thank you.

Upvote 3

Read Answer Asked by Francesco on October 23, 2025

• BMO S&P 500 Index ETF (ZSP $105.32)
  • $105.32 P/E (TTM): 25.8X Cap: $22.03B
  • View ZSP Profile
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• iShares Core S&P/TSX Capped Composite Index ETF (XIC $52.54)
  • $52.54 P/E (TTM): 20.8X Cap: $23.24B
  • View XIC Profile
  • View Questions on XIC
• Vanguard FTSE Developed All Cap ex North America Index ETF (VIU $45.12)
  • $45.12 P/E (TTM): 23.36X Cap: $8.28B
  • View VIU Profile
  • View Questions on VIU
• SPDR S&P 500 ETF Trust (SPY $690.36)
  • $690.36 P/E (TTM): 26.22X Cap: $714.92B
  • View SPY Profile
  • View Questions on SPY
• INVESCO QQQ Trust (QQQ $619.55)
  • $619.55 P/E (TTM): 30.59X Cap: $412.31B
  • View QQQ Profile
  • View Questions on QQQ
• BMO Nasdaq 100 Equity Index ETF (ZNQ $114.21)
  • $114.21 P/E (TTM): 29.23X Cap: $2.05B
  • View ZNQ Profile
  • View Questions on ZNQ

Q: If a new Canadian investor wanted to get into the North American market and use low cost index investing to achieve both diversification and simplicity what would you consider for such a portfolio. And if international exposure was desired what could be considered as additions for that.

Upvote 11

Read Answer Asked by dave on October 23, 2025

• Constellation Software Inc. (CSU $3,022.95)
  • $3,022.95 P/E (TTM): 73.44X Cap: $64.06B
  • View CSU Profile
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• SavvyLong (2X) Constellation Software ETF (CSUU $12.41)
  • $12.41 P/E (TTM): 153.08X Cap: $2M
  • View CSUU Profile
  • View Questions on CSUU

Q: I see Longpoint has started a 2X leveraged EFT specific to CSU. Can you explain how this ETF works, and where it might be appropriate in ones portfolio.
Also being a new Etf will significant conributiona / withdrawals have any effect on the price of CSU regular shares.
Thanks John

Upvote 6

Read Answer Asked by John on October 23, 2025