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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: Recently I sold units in FID6000 in my grandson's RESP because of its poor year to date performance and high MER. We did book an overall gain of 130% over a 3 year period. The RESP account owns a variety of income producing positions. that have modest gains. I am looking to invest in something growth oriented, with maybe a 3 to 5 year horizon ahead. I am considering splitting between one or two ETFs listed above and possibly TOI. Do you expect further growth from TOI?. Opinions on ETF's please. Moderate risk OK. Canadian currency only account.
Read Answer Asked by Maureen on November 04, 2021
Q: Expectations of sooner-than-expected rate increases have pushed short-term yields higher in recent days. If so, interest rates could be headed up faster than thought, with dismal consequences for stock prices and real estate speculators. Can you suggest a Canadian Bond EFT that would be suitable during this period of inflation? Cheers.
Read Answer Asked by Ronnie on November 03, 2021
Q: Looking to put some money into fintech space which company or ETF would you recommend
Read Answer Asked by mike on November 03, 2021
Q: The short duration bond ETFs like these have declined in last few months with possibility of increased rates. If these are held for five years, would there still be loss of principal, if interest rates stay higher than today. I was assuming if bonds are held to maturity, there is no loss of principal. Hopefully, my question makes sense.
Read Answer Asked by Sudhir on November 03, 2021
Q: I would like to invest 50 thousand in a etf or two investing outside of Canada. Please give a couple o f recommendations and a specific country or investment idea you would consider attractive at this time as well. I already own US banks through ZBK as well as Alibaba. Do you consider XID attractive at this time? THANKYOU I have been well pleased with 5i over the years and consider your advice a good investment.

Read Answer Asked by John on November 03, 2021
Q: What are the similarities and differences between the TD Canadian Index fund (e series) and XIU? The TD fund is based on the Solactive Canada Broad Market Index. XIU is based on the S&P/TSX 60 Index. After reviewing materials I'm not sure of the similarities and differences. Please explain.

Thank you for your ongoing excellent commentary on questions. I review questions and answers daily. It's a little after one year after signing up, and I am a much, much better investor because of your service.
Read Answer Asked by Robert on November 02, 2021
Q: Hi 5i, I started my stock market investing in March 2020 in order to get 'skin in the game'. I am a daily learner whose investing personality is that of an 'individualist'. I have determined my investing goal to be for income (mostly through dividends) and growth (for capital appreciation). I have found lately that my risk tolerance feels lower due to increasing volatility, talk of market decline/crash, increasing inflation, shortages, rising rates etc. As a result I would like to cash in the individual stocks I own that have given me good capital appreciation and replace them with ETF's and/or Index Funds. Income and growth plus diversification to my portfolio is my objective here. Since I hold more than enough physical precious metals and an emergency stash in US dollars I feel I have enough insurance/hedge against a worst case scenario happening in the economy. Please comment on these following ETF's. I am also open to other suggestions you might have as well. Please note that my entire TFSA is in my brokerage account so taxes are not an issue for me. Thanks

ZCN BMO S&P/TSX Composite Index
CIC CI First Asset Canadian Bank Income Class
ZWB BMO Covered Call Canadian Banks
RIT CI First Asset Canadian Banks
ZDV BMO Canadian Dividend
CDZ iShares Canadian Aristorcrats
XRE iShares Capped REIT
XEC Emerging Markets ETF

P.S. I assign an equal dollar amount for each investment in my portfolio. The ETF part of my portfolio are for long term holds.
Read Answer Asked by Lucy on November 02, 2021
Q: greetings - as i move into retirement i have been taking a hard look at some of my portfolio. I inherited this stock many years ago and really haven't look at it too hard because of the nice US dividend. I need both us and cdn income in retirement. Given the high dividend how much risk is there. What are the downsides of continuing to own?

Thanks
Read Answer Asked by kelly on November 02, 2021
Q: Please name half dozen of your top choices for an income portfolio.
Read Answer Asked by Roy on November 02, 2021
Q: I am looking for monthly income. So far I am considering ZEB, KEY, PPL, and either HHL-B or HHL-T. Your opinion on those, and any suggestions you have, please.
Read Answer Asked by James on October 29, 2021