Investment Q&A

• BMO Aggregate Bond Index ETF (ZAG)
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• iShares Core Canadian Universe Bond Index ETF (XBB)
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• Vanguard Canadian Aggregate Bond Index ETF (VAB)
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• Mackenzie Core Plus Canadian Fixed Income ETF (MKB)
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Q: I'd like your assessment of MKB versus aggregate bond etfs like XBB, ZAG, and VAB. Has MKB performed better than the listed etfs? If it has performed better then is it because the etf has taken on additional risk to achieve the higher return? How might one incorporate MKB into the bond portion of their portfolio? Is it worth the higher fees?

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Read Answer Asked by Robert on February 16, 2023

• ISHARES TRUST (XT)
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• Amplify Cybersecurity ETF (HACK)
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• ROBO Global Robotics and Automation Index ETF (ROBO)
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• First Trust NASDAQ CEA Cybersecurity ETF (CIBR)
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• GLOBAL X FDS (BOTZ)
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Q: Hi 5i team,

I am seeking to invest in AI and Cyber security funds. Could you please recommended some ETF names? My time horizon is 10+ years.

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Read Answer Asked by Hale on February 16, 2023

• CI Energy Giants Covered Call ETF (NXF)
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Q: NXF is an ETF with oil producing companies with billions of profits. Is there significant increase in dividends for these ETFS?

Majority are making policy decisions to gradually move to non-fossil energy sources.

What is your opinion on this fund that provide healthy dividend at the same time cognizant of environmental progress they are making

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Read Answer Asked by Ritwik on February 16, 2023

• iShares iBoxx USD High Yield Corporate Bond ETF (HYG)
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• SPDR Bloomberg High Yield Bond ETF (JNK)
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Q: Hi,
I would be interested in your thoughts on these two ETF's. The high yield makes me think: higher risk - would that be right? If not terribly risky, then I am wondering if there is potential for either of these to rise nicely in a market with a sustained / established bullish bias? Open to any other suggestions you may have, but this would be for a growth oriented investor in a TFSA account, who is already overweight in tech stocks. Thanks!
Dawn

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Read Answer Asked by Dawn on February 16, 2023

• BMO Dow Jones Industrial Average Hedged to CAD Index ETF (ZDJ)
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Q: What are the pros and cons of taking a position in ZDJ in a LIRA for a long term hold? or is there a better ETF option that you suggest I consider?........Tom

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Read Answer Asked by Tom on February 16, 2023

• Shopify Inc. Class A Subordinate Voting Shares (SHOP)
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• Lightspeed Commerce Inc. Subordinate Voting Shares (LSPD)
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• BMO ARK Innovation Fund (ARKK)
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Q: I have SHOP and LSPD in my RRSP at loss and realize it will take time to return to the plus side, so throwing caution into the wind (for the 3rd time!!!), I am thinking of selling both and replacing with ARKK.

The logic being that it could erase the loses quicker than with the other two. What do you think ... is this swap a good or reasonable idea? Should I just do one of the two or hold tight? Thanks as usual for your thoughtful advice.

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Read Answer Asked by Danny-boy on February 16, 2023

• Utilities Select Sector SPDR ETF (XLU)
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• iShares 0-5 Year TIPS Bond ETF (STIP)
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Q: Dear 5i, What is your opinion n selling STIP to raise money for XLU? As per Portfolio Analytics, my TFSA needs more Utilities, and more exposure in the USA. Thank you

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Read Answer Asked by Hali on February 16, 2023

• BMO Covered Call Utilities ETF (ZWU)
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• Hamilton Enhanced Utilities ETF (HUTS)
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Q: Interested in your thoughts on HUTS. Could you please compare it to ZWU. Which of the two would you prefer, and why?

Thanks,
Chuck

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Read Answer Asked by Chuck on February 16, 2023

• CI Energy Giants Covered Call ETF (NXF.B)
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Q: I just read your recent answer about NXF.B and would like clarification about:
"There is withholding taxes on the direct US investments held in the fund"

i thought in RRSP there would not be withholding tax, is that just on dividends and the income generated on covered calls is treated differently?

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Read Answer Asked by Rob on February 15, 2023

• Hydro One Limited (H)
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• Evolve Global Healthcare Enhanced Yield Fund (LIFE)
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Q: Hi,
I have cash to purchase another dividend paying stock to add to my portfolio. Which of these would you recommend over 5-10 yrs and why?
thanks
Michele

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Read Answer Asked by Michele on February 15, 2023

• Brompton Flaherty & Crumrine Investment Grade Preferred ETF (BPRF)
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Q: HI, your though about this ETF
thanks
jean guy

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Read Answer Asked by Jean Guy on February 15, 2023

• Global X Active Canadian Dividend ETF (HAL)
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• iShares S&P/TSX Canadian Dividend Aristocrats Index ETF (CDZ)
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• Dynamic Active Canadian Dividend ETF (DXC)
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Q: I've held a full position in HAL for just over 3yrs all dividends reinvested, gain of 12%. My original plan was to hold for the longer term, DCA reinvesting any dividends. The annual portfolio turnover 78% is twice the category average for the group as per Morningstar. I'm not sure how you make better returns with that amount of trading.
Can you share your thoughts on portfolio turnover
Offer other options on this type of ETF
Regards,
Tom

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Read Answer Asked by Thomas on February 15, 2023

• Enbridge Inc. (ENB)
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• CI Energy Giants Covered Call ETF (NXF.B)
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Q: I am considering replacing ENB with NXF.B in my RRSP account. Two questions: (1) what do you think of this change considering the likelihood of increased taxation for O&G producers - i.e. "fair share tax"? (2) Are there tax implications when holding NXF.B in RRSP i.e. will I receive the stated 10% dividend or there will be some reductions due to the fact that this is CDN ETF holding non-CDN stocks?

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Read Answer Asked by Michael on February 15, 2023

• Global X US 7-10 Year Treasury Bond Index Corporate Class ETF (HTB)
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• iShares 20+ Year Treasury Bond ETF (TLT)
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• iShares 1-3 Year Treasury Bond ETF (SHY)
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Q: What would be the best way to get exposure to US Treasury Bills for inclusion in a registered account (assuming no tax hit from holding them there)?

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Read Answer Asked by Bruce on February 14, 2023

• iShares Premium Money Market ETF (CMR)
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• CI High Interest Savings ETF (CSAV)
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• Global X High Interest Savings ETF (CASH)
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Q: I believe all of these ETF’s are paying close to 3%. How do they do this?

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Read Answer Asked by David M. on February 14, 2023

• TD Q U.S. Small-Mid-Cap Equity ETF (TQSM)
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Q: I am trying to insure broad diversity across our investments and we seem to be missing the small to medium cap categories. Would you consider this to be a good way to cover this area?

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Read Answer Asked by Tom on February 14, 2023

• CI Energy Giants Covered Call ETF (NXF)
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• CI Energy Giants Covered Call ETF (NXF.B)
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Q: These two ETF's appear to have the same holdings, but NXF.B seems to have better results. Would you recommend one over the other for income purposes?

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Read Answer Asked by James on February 14, 2023

• Invesco FTSE RAFI Global+ Index ETF (PXG)
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Q: Hello,

I just received a letter stating that PXG and many other Invesco ETF's are being delisted as at April 17, 2023.

Is it more prudent to sell prior to this date or let the delisting date be the selling date? Any advantages or disadvantages?

Thanks for your help.

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Read Answer Asked by Mauro on February 13, 2023

• Vanguard FTSE Emerging Markets All Cap Index ETF (VEE)
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Q: With China sending UFOs to annoy Biden and inconvenience Justin do you feel this could cause issues with holdings in China? My only exposure is in VEE so wonder if I should sell it and buy a ex china emerging market ETF. Do you have a recommendation for a VEE replacement with no or much less China exposure.

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Read Answer Asked by Tom on February 13, 2023

• Hamilton Canadian Financials YIELD MAXIMIZER TM ETF (HMAX)
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Q: Too good to be true alert: Can HMAX consistently deliver a 13% return using call options? This is near triple the yield on some of the big six bank stocks. It's hard to believe that a 13% return can be consistently delivered. Doesn't seem real. What might the downside be to owning this vehicle? Thank you!

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Read Answer Asked by Kim on February 13, 2023