Investment Q&A

Q: I hold the following High dividend players: CALL, DGS, GLCC, HDIV, HMAX, HPYT, QQCC and QQQY. Can you please rate these as safest and best for growth. I am down on HMAX, HPYT and QQQY. I hold so many as I am leery to place all dollars on one player. Or are there some I should sell.

Q: Hi Peter and 5i Team,

I’m wondering why, for all periods (3 month, 6 month, 1 year, YTD, 3 years, and 5 years) MNT beats both CGL and CGL.C even though the M.E.R. Of MNT is slightly higher than the other two. Is MNT a good way to get some gold exposure in these turbulent times? Thanks as always for your insight.

Q: DYNF— iShares U.S. Equity Factor Rotation Active ETF (not in your data base). Does this ETF look promising to you going forward ? Based on information in the fund sheet , this ETF is a diversified and tactical exposure to style factors via a factor rotation model. ETF.com says “... The [ETF] model allows securities to be included in multiple equity style factors rather than being solely assigned to a single style factor”.

DYNF has performed very well over the years. It has a 5-star rating from Morningstar based on past performance; Morningstar rates it ‘bronze’ looking forward. I don’t expect the ETF to deliver returns similar to what returns of the past ten years. Nevertheless, in your opinion is this ETF a worthy addition to a portfolio? Unfortunately, my ‘portfolios are overly aggressive and lack dividends, so this ETF is may not be the best. I assume however that since the manager uses several different factors, DYNF may well continue to surpass the S&P 500. Is the above a logical or wrong-headed assumption? If you have better suggestions please advise (US or Europe only) :sab:

Q: Is there any daylight between XAW and VXC? Any difference in hedging? I see the fees are similar and XAW has slightly higher distributions.

Q: Can you suggest any Commodity ETF's that track the S&P livestock index, or food index? Do you think that they could provide increased returns due to tariffs, or possibly other disease and weather related events that may affect global food supply?

Q: I'm looking to invest in the healthcare sector for income and am considering HHL or LIFE. Which one would you recommend and why?

Q: help ? what happened to this fund today.its down to 0. thanks brian

Q: Hello 5 I,

Just wondering the best avenue to invest it Bitcoin or Etherium directly. I dont want to do the whole wallet route and want to hold in my brokerage account. With that said is there a product that directly moves with the ETH and Bitcoin? Are either of them buys in your eyes? Thanks

Q: Hi 5i,
What's your best choice for an ETF to park some money in a safe place that will get better returns than a high interest savings account. Previously I had some in the ETF CASH but I understand that some governmental changes have resulted in these types of ETFs delivering lower return than previously.
Thanks!
Murray

Q: Can I get your thought on DLR/DLR.U vs. SGOV or BIL for parking $300K in US cash for a 4 months period? The yields are very close and additional consideration for DLR/DLR.U is that the distributions are paid every 3 months, so the holdings can be sold prior to ex-dividend date to get capital gains instead of income.

Q: Hi,

1) Is there an advantage to holding PHYS:CA vs. PHYS:US? How do they stack up with currency fluctuations?

2) Is there any risk with PHYS:US trading on a US exchange if the US goes crazy about Canadians investing in the US? Would it be better to hold PHYS:CA?

Thanks for the help. Michael

Q: What is the best way to invest in gold?

Q: In your answer to a previous question you suggested Gold was a good place to protect from inflation and the general crazy going on with Trump and Tariffs.
Can you suggest an ETF. I really don’t want to hold producers

Q: Hello Team, I am currently sitting on cash in my FHSA, I would most likely be looking to use these funds in the next 5 years. What is your recommendation?

Q: Based on the current market situation, what level of cash would be apropriate to have ?, and if wait and see it is the best approach now , what is the best parking place for cash ?

Q: Hi,

This is my first question so I hope I am doing it right.

I recently transferred a small pension to a LIRA because of the amount time before retirement (20+ years). I feel like 70% VGRO because of it's holding diversity and with 30% VFV to raise my risk but not all the way to a VEQT risk. Is this a responsible train of thought?

Also, do you recommend a dividend ETF as well because reinvesting dividends the only way I would be able to farther contribute to a LIRA or is that even necessary?

Q: Looking for a place to park a large part (500k) of a 90 year olds networth not wanting any income but hopefully a capitol gain even or better with the rate of inflation at the time of selling.

Q: Thinking about starting a position in ZWE for exposure to Europe. Your thoughts on timing and the fund would be appreciated.
Thanks Steve

Q: Hi, I want to park some USD in a US bond ETF that is super safe. Right now I have it in RBC RBF2014 and it is getting 3.9%. If I could get a better rate and it is really safe could you recommend something better?

Q: Thanks for your advice on greater than 10% covered call ETF's in a Trump tariff world .... Of the ones you { and the one I chose HPYT } I am leaning toward a combination of HBND and HPYT for bonds. UMAX for a non volatile stock ETF, and XYLD for US exposure .....

However I am not well versed on bonds . Could you explain the differences between the two ETF's ? I have noticed that they peaked in mid September and declined since. HPYT has declined by 10.65% and HBND by 12.66% ..... What market conditions account for the price action between September and now ? I have no idea what bond durations are or what the significance of a " long " bond is but I am curious why HBND has had the bigger decline of the two ? ..... If HPYT is the less volatile of the two I'm inclined to go for the juicier dividend ..... Please explain the differences between the two ETF's and what circumstances will effect one over the other ? ..... I'm inclined to make my bond ETF purchases now and my stock ETF purchases after the tariff announcements . Would you endorse this strategy ?

Also UMAX isn't really a utility ETF . It is Communication Services 23.2%, Pipelines 22.0%, Industrials 23.6%, and, Utilities 31.2% ..... Is this something I should consider ? Or do you still put it in a defensive category with a minimum of volatility potential ? ......{ I like the juicy 14% dividend but unsure how 5i evaluates it in a Trump tariff world } ..... Thanks for your terrific service ......