Investment Q&A

Q: What would cause cash to lose money ?

Q: Looking for investing suggestions for someone in there mid twenties that has a very good job and are just starting out investing, I was thinking buying a few ETFs that auto buy every paycheck through a big bank brokerage arm kind of set it and forget till they figure out if they want to learn more about investing. Also what would be a good basic investing book that teaches how RRSPs and TFSAs work? Is Gordon Pape still around, lol.

Q: Hello
I have been a moneysaver customer for many years. I noticed that the model portfolio has an inception date of 2013. Can you maybe work on another more current basket of stocks bonds given that the investing environment has changed. For example the Canadian preferred index used to be quite popular, however given that rate resets are diminishing and that we are in a low interest rate environment, there may be better alternatives

Q: What are your go to bond ETF's denominated in US dollars?

Q: Thoughts on this fund? Long term hold. Would you buy the usd or CAD version, if you'd recommend at all?

Q: Would Canadian funds such as ENCC, BANK, HMAX which hold Canadian stocks be taxed as dividend income or as capital gains income by the CRA ?
I believe that similar funds holding US stocks would be taxed as capital gains.
Thank you.

Q: What do you think of this new etf (HHIS) pros and cons. Looking forward to your thoughts

Q: Good Morning

I would like to increase my US position in my RRSP. I currently cover this US exposure through VBAL(core position) VFV approx 4.5%, Legacy positions of ZLU and ZWH approx, 3%, totaling approx. 31% US. My thoughts were to replace ZLU/ZWH and increase VFV and add EQL to gain broader exposure to US market. Would this give me a good exposure without over duplication? I am retired and 65 and would like a balanced plus approach. Your thoughts or other ideas would be appreciated.

Thank you,
Mike

Q: Hello 5i,

I have been retired for 4 years and i am now am about to turn 65. i have a DB pension from my previous employer with a bridge benefit that carries until my 65th birthday in a few months.

I have done some projections on maximizing both income over the course of my retirement. I have determined that in my case it appears that these results are optimized if i defer OAS and CPP until age 70...and i am fortunate that i can afford to do this.

At this point i am in the process of converting a enough of my investments to fixed income products to cover income requirements until age 70 (to avoid short term market volatility and help me sleep better at night). One of the products i am looking at is using laddered USD GICs as they have better returns than CAD GICs at this point. I understand you don't give personal advice but i am wondering if there are other options i should consider? Bonds for example? Other?

Thanks!!

Peter

Q: Would you consider ZIU for inclusion in a growth portfolio?

Q: Can you recommend some global ETF's in both USD and CAD?

Q: Are these Canadian income ETFs a good place to sidestep potential Trump tariffs? Do you have other recommendations?

Q: Hi 5i,

Currently have a large portion of my investments in equities and I am looking to invest in Bonds for the sake of diversification.

Could you provide your best ideas for Bond ETFs or any similar investment products that I should consider? This is for non-registered account.

Thank you.

Greg C.

Q: In the last 12 months, the canadian dollar has fallen on average about 72 cents to now under 70 cents approximately, therefore if I understood the hedge vs unhedged issue correctly, VSP should have outperformed VFV. it looks like the complete opposite in 1 year returns. Why is that ?

Q: I currently own the above ETFs in my unregistered account and they have performed well. I have funds to be invested in my LIF account and am considering purchasing one or more ETFs. How would you rank these ETFs for a LIF account? Would you suggest equal contributions to these ETFs? Are there other ETFs that you would recommend for a LIF account? Thank you.

Q: how can I go long with the cdn dollar without buying a futures contract, since that would require my to open a new account with a broker. looking for leverage and a long time play, how to you feel about this trade?
thanks
Auftar

Q: Good morning, would you please explain the difference between these two and do you have a preference. IWV is not on your list
Thanks, Peter

Q: Perhaps it is dumb question time, however I am struggling to understand the reported stats for UMAX. Perhaps it is an obvious answer I am missing.

As of Jan 21, 2025 the Hamilton ETF's web site says UMAX is yielding 14.67%. Just below that it shows "Total Returns (incl. Dividends)" of -4.53 for 1 month to 4.18% since inception. How is this possible without eroding the NAV (or a significant stock value loss, which I do not see based on stocks in the ETF). Scratching my head to see how this math works, as I was considering this ETF for yield in a LIF.

Thanks

Dave

Q: Seems like US banks could perform well this year. What would be a good ETF to best capture growth?

Q: I am looking to invest in food oriented companies such as groceries stores and consumer staples in both the US and Canada. It would be an expensive venture to invest in individual stocks. Are there ETF’s that you would recommend?