Investment Q&A

Q: Greetings 5i Team:

I'm looking to make upgrades to some RBC Funds in my wife's accounts. Deduct as many credits as needed.

Can you suggest:

1. A general tech ETF of the same ilk as RBF 620 Global Technology Fund,

2. For that matter, can you suggest a (preferably Cdn dollar) cyber security ETF.

3. A substitute for RBF 615 US Equity Fund.

4. A substitute for RBF 617 US Midcap Fund (with the idea that small caps might actually catch a bid this year).

5. A healthcare ETF, preferably in Cdn dollars.

Thank you, you're much appreciated!
Pete in Calgary.

Q: XLB and ZLC are my primary bond holdings. With the rather abrupt steepening of the yield curve, would you recommend selling both of these and replacing them with shorter term funds ? If so, which funds would you recommend ?

Thanks,
Mark

Q: I would like to add to my bond holdings. I am considering adding to my XHY and BND holdings. I would appreciate your opinion on adding to these and would you have other recommendation?
Thank you.

Q: Does 5i have a perspective on total weight a investors portfolio could have holding respective ETFS for

: SP500 QQQ DJI RUS 2000 and TSX ...... 1.5-2.5% each ?
(10-15% total)

Q: I just noticed this ETF sold off hard on December 30,couldn’t find out why ,do you have any thoughts on this ETF would this be a good entry point or a red flag …Thanks and Happy New Year.

Q: I have set up A RESP for my grandchildren 18 months old (twins) and am thinking of investing in VIU. Would you agree with this approach for a long term hold? I have already invested in ZSP and XIC. Thank you.

Q: So for those who aren't comfortable with an equity growth tilt or who may fear that after 3 strong years of performance 2026 may not provide the positive results many are forecasting, Innovator has in additioin to their buffer etf menu some dual directional etfs including DDSQ tracking the S & P for 3 months with a 5% inverse cap/buffer with a cap range of 3.1% - 3.85% and DDTJ a one year dual directional etf also starting to trade Jan 2 which has a 10% inverse cap/buffer and a cap range of 12.24% - 13.74%. Since I no longer believe in the tooth fairy I am hopeful you can look at these dual directional opportunities, break them down into simple understandable terms confirming what indeed they are designed to achieve for the investor over 3 and 12 months respectively both on the upside and downside and whether their goal is realistic. Finally would you recommend them in any way as worthy for investors seeking upside in an up tape though with a cap as well as providing positive returns in a down market and if both of those outcomes are achievable what are the caveats. Seasons greetings!!

Q: Wishing 5i team a Merry Christmas and a Happy New Year.

Is there ILCV, IEV and REMX ETF in CDN Dollars.

Thanks for the excellent service

Q: Hi, just starting to look at the bond market, do not want anything to do with U.S. tax filings. Would like like your three recommendations for Canadian bonds. Do you have a Canadian equivalent for BND? (Low mer and nice yield) also corporate bonds eg.XCB could you touch on risk compared to your three recommendations.
Thanks, happy, healthy New Year

Q: What do you think of covered call options ETF? In which circumstances you would recommend them? And in such a case what are the three you would recommend?

Thank you in advance and best witches for the new coming year....

Q: Morning
XGD has done well in 2025
Please comment on possible return for 2026
Thank you

Q: Happy New Year all!

I would appreciate your recommended top 3 ETF’s for investing in the Indian economy. Consider moderate or low risk only, focusing on best expected performance over the next 5 years.

Thanks as always,

Dave

Q: I've seen conflicting MER numbers depending where I look. From 0% to .71%. Can you tell me what the correct MER costs are for U,UN?

Thanks,

Mike

Q: Any reason for the drop in price of this ETF over the past few days? It normally doesn’t bounce around too much.

Q: Do XUSF and ZXLF track the same index in the U.S. ? If a Canadian listed ETF is just owns the US ETF (which actually owns shares), is there a double MER being charged ?

Q: NLR I invested in this ETF some time ago and rode it up to its high of high of $168.12. I have now given back half of my gains. Is it time to sell?

Q: Can you please provide the 5Y Total Return Performance for FCCM, Fidelity Canadian Momentum ETF and provide your data source name. This ETF says it rebalances quarterly but I could not find exactly when it does. Can you please tell me the 4 rebalance dates per year.

Q: Your thoughts.

Q: Please recommend a USA small cap etf

Q: Hello 5i team,
I have held HBND since Feb 24 and it has been on a steady slow decline (along with the payout) ever since. I think you mentioned that lower interest rates are always better for this ETF. In light of the US lowering there rates in the coming year, will this be good for HBND?

Net assets is currently 212 M according to there website. Do you have any knowledge if this is growing? I am asking this because although the payout is decreasing, it is still pretty good and would not want this ETF to close down like what happened to HYI.

Thank You,
Andrew