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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've been asked to help my 20 yo niece with her recently opened TFSA and hard-earned $21K contribution. Sticking with ETF's and CAD in these early days of her investing journey, I'm asking for your thoughts on best CDN ETF representations for SP500, Nasdaq 100, Dividend Growth (USA), Small Cap Growth (USA), TSX 60 and International developed large cap. I'm thinking a 70/20/10 allocation USA/CDA/INTL, would you find this appropriate? Thank you.
Read Answer Asked by Tony on March 20, 2026
Q: I am ~ 25% underwater with BCE and Telus; the former has cut its dividend and the latter is expected to follow suit. What is your opinion on selling both holdings and buying HBND for about twice the dividend income. I realize this is purely an income play and no capital gains are likely.
Read Answer Asked by Jean on March 20, 2026
Q: Hi, I’m starting to slowly invest outside of North America because Canada is a little too layed back, and government is not very aggressive, they would rather just tax us.( my opinion), and the U.S. is what it is right now, and markets do not like uncertainty.
I started with VIDY for now, but I see that about 20% is in Japan, I don’t think this is bad but it is quite a bit.
My question for future buying, is country specific that important? And could you list 5-6 countries outside NA that are your favourite to invest in.
Thanks
Read Answer Asked by Brad on March 19, 2026
Q: Any thoughts on this ETF for income? Nice yield and low fees.
Read Answer Asked by Samir on March 19, 2026
Q: Dear Peter et al:

I know portfolio allocation is personal based on one's risk tolerance and age Cobo etc.,
Let us say that I decide personally to keep 50% in a defensive part,
can you give 3-5 ETFs for this defensive part of the portfolio?
Does Covered Calls ETFs play a role? Do Bonds play a role? Should one focus on solid dividend players.
I know from reading literally thousands of Q&A they all play a role! What I struggle is what percentages one should allot for each of these buckets:)
Capital preservation with mild to slightly moderate risk! Is that asking for too much?!
Read Answer Asked by Savalai on March 19, 2026
Q: Hello! Thank you for all you do. Tax prep this year was an eye opener. I would like to simplify my life. I would like to simplify my US holdings for tax purposes by selling the individual companies an holding an ETF in Canadian funds which hold top blue chip US companies. I no longer want to keep record of exchange rates when buying and selling US stocks years later. Can you recommend some that have a low MER and a good yield?
Read Answer Asked by Lucy on March 19, 2026
Q: My RRSP has a roughly 50/40/10 split between core compounders, defensive holdings, and income holdings. I will not need any of the money for at least five years. What do you think of the split? Could I please get your top stock and ETF recommendations for an RRSP today? Also, what do you think of FIE, ZRE, and covered call ETFs in an RRSP? Thanks.
Read Answer Asked by Kim on March 18, 2026
Q: Retried and have a diversified stock and bond portfolio that I live off. Not tending to the portfolio as much as much as I have in the past and wish to simply my life. I am thinking of selling most of my portfolio and buying "all in one ETFs". Would you advise selling all and buying only one of the above ETFs or " diversifying" by splitting into all three above or even more ETFs to avoid risk of illiquidity in the event of a need to a large amount of cash. Please elaborate on any other risks in a strategy, such as company reputational risk, in allocating a very large percentage of the portfolio to only one or three such ETFs.
Read Answer Asked by MANFRED on March 18, 2026
Q: Hello and appreciate all your insight. I have raised a fair amount of cash in my portfolio and was wondering what would be a safe way to invest it but still have immediate access to it if needed. I would like to have access to it for opportunities that arise but at the same time would like to earn something on it with very minimal risk in the current environment. Thoughts?

Thank you
Read Answer Asked by Rodney on March 18, 2026
Q: Is the USCF Summerhaven Dynamic Commodity Strategy worth a small portion of my portfolio or should I be looking at other Commodity-oriented funds like DBA or WEAT. I am a retired income-oriented investor with somewhat of a need for more diversification.
Best regards,
David
Read Answer Asked by David on March 18, 2026
Q: I have a fairly diversified portfolio, except for tech/AI. Can you recommend four or five ETFs for that sector? Thanks
Read Answer Asked by steve on March 18, 2026
Q: DRNZ ARE YOU A FAN OF THIS ETF? IS IT THE BEST DRONE ETF AVAILABLE?
Read Answer Asked by Paulette on March 17, 2026
Q: Hi,
I'd like to get a better return on the Cash sitting in the Canadian Account. I don't want to lock it into GICs now as I would like the flexibility to use it until I get a better sense of where we're going with all of this. I looked at CASH.TO Global X High Interest Savings ETF and HSAV.TO Global X Cash Maximizer Corporate class ETF. Mgmt fees and MERs are lower on CASH and the yield is a bit higher but it has tax implications whereas HSAV has slightly better performance and deferred tax. Once our taxes are filed there may be a bit more contribution room left in the TFSAs but it won't be much.

Any opinions? Any thoughts on what I can do with the US Cash?

Thanks!
D
Read Answer Asked by Dawn on March 17, 2026
Q: Today, Thursday, March 12, Ian Tam in the business section of the globe and Mail recommended 14 Canadian ETFs that offer an mote against global uncertainty. One of the ETFs was WSRI among other ETFs that are low volatility. I wasn’t surprised by the low volatility ETFs, but I was surprised to see WSRI among this list. I looked up WSRI but I couldn’t find anything special to indicate that it has a mote against global uncertainty or is any better than other S&P 500 ETFs such as ZSP. Can you shed some light on this?
Read Answer Asked by Mary on March 17, 2026
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