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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 working with your Portfolio Tracking tool, which is absolutely great, and it's telling me I should hold more bonds. Okay, that's clear enough, but what I'm unclear about is the number of Bonds (ETFs) I should hold. I know it's not really your thing, but is there a recommended bond portfolio you would recommend (for someone about to retire)? Also how important is it to hold international bonds VS only Canadian ETFs? Any advice is truly appreciated. Thanks as always for all your great work!
Read Answer Asked by Michael on February 19, 2021
Q: In his question, Rajiv mentioned that QBTC was at a 6% premium to NAV. While QBTC has sold at a premium (up to 20% in early Jan) on Feb. 18 at end of day, per the 3iQ website, NAV was $74.47 and closing price was $70.49. This is a discount of 5.34%, not a premium. Intraday, the discount appeared to be even higher, perhaps due to selling pressure as people transferred to the Purpose ETF.
Read Answer Asked by David on February 19, 2021
Q: QBTC dropped 6% today and it still trades at a 6% premium to NAV today. With the advent of BTCC, do you see the premium disappear almost immediately? I was wondering if it made sense to exit QBTC right away while the premium still exists; and invest in BTCC. The capital gains tax hit per unit for me is currently equivalent to $7 or 10% of the unit price today. Capital gains would have to be paid sometime and does it make sense to pay it from the premium that would dwindle over time? Or do you think the premium would still exist and it is better to defer the gains for now?
I also see that 3iQ have an approval for a bitcoin ETF. How would that play into the equation?
Regards
Rajiv
Read Answer Asked by Rajiv on February 19, 2021
Q: Setting up RESP for grandkids 7 and 8. Probable 10-year hold. Thinking of probably 3 ETFs ? - accept moderate risk - Can. or US - Suggestions?? Thanks Jim
Read Answer Asked by jim on February 18, 2021
Q: In a RSP holding ZAG, ZEA, ZSP, and CDZ could you please suggest a couple etfs I could add that would provide a little more torque. Minimum holding period is 5 years.
Read Answer Asked by Warren on February 18, 2021
Q: I’m looking at Hydrogen & Clean Energy ETF’s. Can you rank these 3 BLDP, FCEL, & BE ? Also looking at ICLN ETF. What are your thoughts on all 3 as well as the ETF. Thanks.
Read Answer Asked by Derek on February 18, 2021
Q: If you had to pick 5 ETFs to fill an RRSP, for an investor with a 20+ year timeframe, which would you choose? To add a little context, mid 30's with a TFSA geared towards growth and I am comfortable with risk in that account. I also have a business account where I hold blue chip dividend paying stocks. Comfortable with risk in the RRSP as well but trying to find the sweet spot in between these two accounts.
Read Answer Asked by Mackenzie on February 18, 2021
Q: I currently own only VA for international exposure and will be buying XEF. Would it better to sell VA and buy VEE or buy VEE as well and hold all 3 ETFs ?
Thanks
Read Answer Asked on February 18, 2021
Q: Recently I read John De Goey's Sept 2020 MoneySaver 'Portfolio Insurance' article. His custom-built inverse notes moderate risk by moving in the opposite direction of the market. He advises his clients to use them for up to 40% of their portfolio. Are there preferred Can and US ETFs that do the same thing, and what would your thoughts be about their use?

I have tried to moderate risk by building RRSP, TFSA and to a lesser extent, the unregistered accounts around all-in-one ETFs (VGRO, VBAL and VNCS) using specific growth or income stocks and bonds to augment the ETFs according to the type of account. The US side follow the same pattern but with themed ETFs (ARKK, ARKF, IHI, VIG, VDC, IWO, VHT, SPY). According to Port Analytics, I am sitting at approx 70% stock, 20% income, 8% cash and 2% diversified.

My thanks.
Read Answer Asked by David C. on February 18, 2021
Q: Hello,
I am considering moving about 10% of my unregistered portfolio into international (developed market and emerging market) bonds.
I'd greatly appreciate your thoughts on this move -- as some are saying the bonds are even more of a potential bubble than equities -- and which specific bond ETFs you might recommend (ie: EMB for emerging markets).
As always, many thanks in advance! Aaron
Read Answer Asked by Aaron on February 17, 2021
Q: What do you think about replacing standard global equity etfs with similar etfs that are ESG screened? Obviously values are personal but any other considerations. Are there good options for this in Canada?
Read Answer Asked by Chris on February 17, 2021
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