Investment Q&A

• Vanguard S&P 500 Index ETF (VFV)
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Q: What ETF would you recommend for a 1st contribution to a RESP? Long term, medium risk. I don t think it s worth buying individual companies at this stage in view of the small amount and to properly diversify. Thank you

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Read Answer Asked by Pierre on January 31, 2023

• iShares S&P/TSX Capped Financials Index ETF (XFN)
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• iShares S&P/TSX Capped Information Technology Index ETF (XIT)
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• iShares S&P/TSX Capped REIT Index ETF (XRE)
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• Health Care Select Sector SPDR (XLV)
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• Consumer Discretionary Select Sector SPDR (XLY)
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Q: If you were to consider 5 sector ETFs based on current price and future prospects, what would they be?

Please recommend your favourite ETF for each on the TSX unless it's only available in USD.

Would the beaten down USA sector (eg. XUU) be part of your thinking?

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Read Answer Asked by Kevin on January 31, 2023

• iShares Diversified Monthly Income ETF (XTR)
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• Fidelity Asset Allocation Private Pool Ser F8 (FID374)
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Q: Hi 5i
For income and some growth, I continue to hold Fidelity Asset Allocation Private Pool Series F8 (374), in a corporate account. It is the only investment in the account. I have two questions.

1) In your opinion is this still a good choice?
2) Could you suggest an alternative to replace part or all of FID374?

Thank you, Bill

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Read Answer Asked by William on January 31, 2023

Q: Are there any Chinese ETF,s that U would recommend at this time? Or is India better, although I dont much trust either country. I would look at India recommendations as well.Thanks, James

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Read Answer Asked by JAMES on January 31, 2023

• iShares S&P/TSX Canadian Preferred Share Index ETF (CPD)
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• BMO Covered Call Canadian Banks ETF (ZWB)
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• BMO Covered Call Utilities ETF (ZWU)
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• BMO Equal Weight REITs Index ETF (ZRE)
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• iShares Convertible Bond Index ETF (CVD)
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• iShares S&P/TSX Composite High Dividend Index ETF (XEI)
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• iShares S&P/TSX Canadian Dividend Aristocrats Index ETF (CDZ)
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• iShares U.S. High Yield Bond Index ETF (CAD-Hedged) (XHY)
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Q: I am looking for ETFs that trade on the TSX with a yield of at least 4-5%. From the income portfolio, I see CPD (preferreds) / CVD (convertible) / XHY (US HY) / ZRE (REITs), and I am also aware of ZWU (Utilities) / ZWB (Banks).

Are there any others that don't have much overlap with the above that you would recommend?

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Read Answer Asked by Alexander on January 31, 2023

• iShares Russell 2000 Growth ETF (IWO)
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• iShares NASDAQ 100 Index ETF (CAD-Hedged) (XQQ)
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• iShares U.S. Small Cap Index ETF (CAD-Hedged) (XSU)
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• INVESCO QQQ Trust (QQQ)
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Q: Hi Peter,

Are there any canadian CDR's for QQQ, IWO or other similiar etf's ?

Thanks

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Read Answer Asked by HARRY on January 30, 2023

• iShares S&P Global Clean Energy Index Fund (ICLN)
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• iShares MSCI India ETF (INDA)
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Q: It Looks like India is booming what etf you would recommend Also Grren Energy is the future Is It time to buy any stock for grren energywhich)or it is too early?

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Read Answer Asked by Nizar on January 30, 2023

• INVESCO QQQ Trust (QQQ)
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• Vanguard Information Technology ETF (VGT)
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Q: what would you recommend as a US IT ETF

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Read Answer Asked by GRAHAM on January 30, 2023

• Vanguard S&P 500 Index ETF (VFV)
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• Vanguard S&P 500 Index ETF (CAD-hedged) (VSP)
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Q: Dear 5i,
If one were to hold VFV and VSP for an infinite period of time and assume MER's were the same and effects of currency were neutral.
Is it reasonable to assume VFV would outperform VSP by approximately 1% because of hedging costs? If not, can you help explain.

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Read Answer Asked by Ian on January 30, 2023

Q: I am considering investing some money in the Chinese market. Can I please have your thoughts on Baba and the two ETF's noted. as well what is your overall opinion on investing in China?

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Read Answer Asked by Brian on January 30, 2023

• Invesco Optimum Yield Diversified Commodity (PDBC)
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Q: Can you please suggest the best Canadian equivilents to PDBC and DBC and or other ways to play commodities preferrably through etf's in Canada to avoid complicated year end tax issues. Thanks for your help.

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Read Answer Asked by Ian on January 27, 2023

• BNS Tiered Investment Savings Account A (DYN6000)
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Q: I am using this high interest savings account (about 4% ) to hold money for RRIF (monthly)withdrawals. if I am correct there is no trading fee as with PSA etc. Is this the best way of managing this issue?
Thanks for your help Tom

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Read Answer Asked by Tom on January 27, 2023

• iShares Core Canadian Short Term Bond Index ETF (XSB)
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• iShares U.S. High Yield Bond Index ETF (CAD-Hedged) (XHY)
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Q: In these times where the financial health of companies are being put to the test, are bond funds like XHY, which hold 60% BB grade bonds and 30% B grade bonds, something that a wise investor should be pulling out of?

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Read Answer Asked by Kevin on January 27, 2023

• Amplify Cybersecurity ETF (HACK)
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• First Trust NASDAQ CEA Cybersecurity ETF (CIBR)
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Q: After recent developments in Ukraine-Russia war, Russia now treating NATO as a direct enemy, so we are are going to see significant escalation in cyber war activities, meaning more money is going to be spend on cyber security. To capitalize on this, I would like to invest in one of these three cybersecurity ETFs. I am leaning towards BUG because it has higher concentration of security names, two other ETFs have many cloud/infrastructure holdings (e.g. Cisco, Cloudflare, etc.) that have little to do with cybersecurity. Yet, BUG is the smallest out of 3 ETFs and it has very high average P/E ratio... Which ETF do you recommend and what's you reasoning for the choice? Thanks.

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Read Answer Asked by Michael on January 26, 2023

• Global X Lithium & Battery Tech ETF (LIT)
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Q: Wondering…..what would be your recommended route for investment in battery metals … stocks, ETFs ?

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Read Answer Asked by Catherine Ann on January 26, 2023

• Vanguard S&P 500 Index ETF (VFV)
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Q: Within a TFSA is the dividend of VFV:CA (Vanguard S&P 500 Index ETF) subject to a withholding tax?

Thank you.

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Read Answer Asked by Sandra on January 25, 2023

• iShares S&P/TSX Global Base Metals Index ETF (XBM)
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• Global X Copper Miners ETF (COPX)
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• Global X Copper Producers Index ETF (COPP)
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Q: I believe in copper investments for long term for various reasons.What would be your choice concerning copper mining stocks ETF,I noticed that COPP holds mostly CDN stocks and COPX is quite diversified geographically.Any other copper mining stock ETFs suggested ?

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Read Answer Asked by Jean-Yves on January 25, 2023

• BMO Equal Weight REITs Index ETF (ZRE)
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• iShares S&P/TSX Capped REIT Index ETF (XRE)
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Q: How do you think REITS will do in 2023? What would be your preferred ETF? Thank you.

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Read Answer Asked by Michael on January 25, 2023

• NVIDIA Corporation (NVDA)
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• Advanced Micro Devices Inc. (AMD)
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• iShares PHLX SOX Semiconductor Sector Index Fund (SOXX)
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• Aehr Test Systems (AEHR)
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Q: I'm primarily a growth investor with a tolerance for risk. I do not have any semi-conductor companies in my portfolio. I was considering AMD or NVDA but I'm not wondering if AEHR might be good play to consider since it does chip testing. It does seem to be growing revenue quickly and surprising the market with it's earnings. What comments/advice do you have wrt to how I should think about the chip players including the high tech testing play that AEHR offers? Thanks!

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Read Answer Asked by Marc on January 25, 2023

• Toronto-Dominion Bank (The) (TD)
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• iShares S&P/TSX Canadian Dividend Aristocrats Index ETF (CDZ)
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• Purpose High Interest Savings Fund (PSA)
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• Global X High Interest Savings ETF (CASH)
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Q: I have an RESP for my nephew who is in grade 12 now and attending a college in the fall. His parents are not great savers, and I don't have children, so I'm fine to subsidize his education. I currently hold only CDZ and TD in the RESP and would like to add some additional cash soon.

What's your advice on how to proceed? Do I add to one or both, or would I be better to invest in CASH or PSA.

Thanks,
Robert

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Read Answer Asked by Robert on January 25, 2023