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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: I have cash in my US$ RRSP and would like to park it in a ETF like HSAV but I don't want to be clipped by TD if I move the cash to my CDN$ RRSP account. I noticed HYGH.US in your ETF model portfolio but it is not like HSAV. Any suggestions would be greatly welcome or if HYGH is the best then please advise. Thanks again.
Read Answer Asked by Danny-boy on November 04, 2022
Q: Hi,

What do you think of these 3 ETFS (XME,XLB, XLI) for the next 2 years and, hopefully much longer? I'm hoping for a 7% position.
Would you invest in any of them?
Is there another ETF you like better?
Read Answer Asked by Graeme on November 04, 2022
Q: My Daughter has about 300K to invest. She is thinking of Vanguard Etfs.
Which ones would you suggest - in Canadian dollars and low Mers and in what proportion ?
They will be in registered accounts.

What would you suggest for an unregistered account?
And many thanks for all your helpful advice.
Connie
Read Answer Asked by Constance on November 03, 2022
Q: Do the American Muni bonds make a good investment for a Canadian taxpayer? I understand Muni bonds are tax-advantaged for US taxpayers and may not be available to Canadians (?). And/Or : What about the new I Bonds I the US, now much publicized in the US financial press, for example Barrons has an article on the new series I Bonds in its November 1 issue. Do such securities make sense for a Canadian taxpayer, assuming they are even available to Canadians? Is there an equivalent in the Canadian bond world? (Has to be available through online brokers-- instruments are not, e.g CASH and HSAV are not available at RBC-DI but one of the above is available on iTRADE)



Read Answer Asked by Adam on November 03, 2022
Q: When looking at dividend ETF performance, are reinvested dividends included, or is the stated performance capital appreciation only, e.g. Morningstar performance for CDZ shows a 3.5% dividend and a 5 year total return of 6%.
Thanks Peter
Read Answer Asked by Peter on November 02, 2022
Q: I hope to retire in about a year. I'll have a comfortable defined benefit, I've used the portfolio analysis to diversify my investments. I have a sizeable cash amount earning nearly nothing at a bank. I have contemplated GIC's but don't like the idea of having my funds locked up in the event I would like to direct it to a project or investment .
Would there be a ETF /bond that would be relatively safe that would mirror the GIC returns?
Read Answer Asked by Gord on November 02, 2022
Q: zlu follow up question, thanks for pointing out that zlu trades in USD as zlu.u
When i compare performance of those 2 ETFs using yahoo finance or questrade edge or the bmo website zlu significantly outperforms zlu.u over any time frame
If the performance was similar i would invest in zlu.u as it is in my rrsp account but in this case given the outperformance i think i will opt for zlu.
I do not understand the performance differential, assume fx must be related but it seems like too much.
Read Answer Asked by Rob on November 01, 2022
Q: Back in June I asked about moving some XSB to XLB and you suggusted stick with XSB for another 3 to 5 months. I think I should start to switch some XSB to XLB. Does this make sence or is there another long term bond fund that would be better? Holding period of 5 years or longer.

Thanks Greg
Read Answer Asked by Greg on November 01, 2022
Q: Can gou compare and contrast these 2 etfs. I've always held CDZ and paid the higher MER on the basis that research backs dividend growers performing better in the long run. However VDY seems to be performing as good or better. Considering a switch to take advantage of the lower mer and thus higher divided yield.
Read Answer Asked by Husseinali on November 01, 2022
Q: I have all three in my RRSP account. QYLD and XYLD weren't good performers this year and, to add to the misery, they reduced distributions lately. JEPI was performing much better and they kept their distributions virtually unchanged. When we get market recovery, do you expect JEPI to outperform QYLD and XYLD or QYLD and XYLD are likely to outperform JEPI as they dropped more this year? I am considering selling QYLD and XYLD and buying more JEPI. Thoughts?
Read Answer Asked by Michael on October 31, 2022
Q: Hi
If I want to have global exposure to Oil and Gas sector, NOT just Canadian or the US market, is IXC the only ETF option? Or should I buy XLE and add some other ETF which has exposure to Shell, Royal Dutch and other large European big oil cos? My search doesn't seem to yield anything that includes a nice balance between North America and European companies other than IXC. Any suggestions?

Your answers to others' questions seem to suggest that there is some more gain to be made in energy sector. (Paraphrasing here!) Hence this question. I already own XLE/XEG in different accounts.
Thanks in advance.
Read Answer Asked by Savalai on October 31, 2022
Q: Good morning, what ETF's would you advise for a new portfolio today. Mid age investor, including sector allocations please. TFSA and Non reg'd accounts

Thank you
Read Answer Asked by L on October 31, 2022
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