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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: Hi , Starting my 5 month old grand daughter's RESP. After reading all your other suggestions to other members, I am thinking of VEQT for the diversification of world markets and VUG for that extra torque and US dollar exposure. Would you add anything else here or suggest otherwise? I thank-you in advance. Sam
Read Answer Asked by sam on April 09, 2021
Q: Could provide an opinion on these ETF - ZDY/ZGI - read a Morningstar report on each and their opinion is they are underperforming peers.
Can you provide examples of better performing ETFs to replace them.
Thanks
Read Answer Asked by Reg on April 09, 2021
Q: Hi,

In my RESP's fixed income/cash allocation, I hold CMR, CBO and HFR.

With a rising rate environment I'm thinking of switching the CBO share into HFR (although the laddered aspect of CBO mitigates problems a bit). And with CMR stopping their distributions, I thought of switching out of that too. Does this logic make sense or would you prefer having both CBO and HFR for diversification purposes? Thanks!
Read Answer Asked by Steven on April 09, 2021
Q: Would you have an opinion on the Global X FTSE Southeast Asia ETF? I already have VWO and would like to add more Emerging Markets, less some China - which seems to dominate VWO. I also do own ZID which gives me exposure to India.
Read Answer Asked by James on April 09, 2021
Q: Is there any advantage to using ETFs rather than mutual funds in our fixed income portfolio? Presently, we have 35% in fixed income with DFA231, DFA 603, PM0 205 & LYS801F.
Read Answer Asked by Bradley on April 09, 2021
Q: I am interested in adding more international exposure. Over time, in a haphazard fashion I developed portfolio weights of 4% in ZEM, 2.5% in MAW150; and 1.5% in DXG. To my untrained eye they offer diversity, for growth & stability, to different markets, etc What is your view of these 3 holdings? Would you add to each? Delete any? Due to political risks from trade tensions etc, I am inclined to avoid too much of an exposure to China. Thank you for your excellent service.
Read Answer Asked by Leonard on April 09, 2021
Q: I have been looking at these two ETFs. The top 10 holdings in VDY look like buy and hold companies. It seems a bit heavy on banks so really wondering about your short-term outlook on CDN banks for the rest of the year?

HGRO has had a good run in 2020 and certainly not expecting as spectacular in 2021, but do you think it will continue to do reasonably well (your thoughts would be greatly appreciated please? I realize you do not have a crystal ball).

Do you think the combo of these two would be a good idea say 50:50? The idea would be for growth as remainder of portfolio is with you balanced ETF model portfolio.

Thanks so much.
Read Answer Asked by Danny-boy on April 07, 2021
Q: Hi guys - you've mentioned a few times that the market has shifted from growth to value recently. Assuming we can't time the market with any consistency over the long term, how could someone who is dollar cost averaging take advantage of theses rotations in the future from an ETF perspective? Would it make sense to buy VUG (growth) and VTV (value) and actively purchase more when one fund is considered "down"? Is there a strategic way to determine which fund you would allocate more dollars to with each monthly purchase? Thanks for the guidance.
Read Answer Asked by Marc on April 07, 2021
Q: Hi group how would you play the green energy space -ICLM or? also what is your top pick in the EV space and why - appreciate your views
Read Answer Asked by Terence on April 07, 2021
Q: First a comment, I went through the paper on fantom distributions, have invested for 25 years and never heard of it before? If you do your own taxes like me, I would just say the CRA is getting double tax on my etf’s.
On that note could you advise on a couple of global etf with small or no exposure to Canada, as I would like to diversify to USA and other countries. Dividends would be nice but not necessary. Would be for 7+ years and may add to yearly as funds are available.
Thanks
Read Answer Asked by Brad on April 07, 2021
Q: I'm interested in investing in renewable energy companies by way of ETFs. Would you consider now to be a good time to start positions in ETFs based on your short and long term views for the sector. Secondly, what would be you favourite choice for an ETF that represents the Canadian renewable sector and one for global exposure to the renewable sector.
Read Answer Asked by Les on April 06, 2021
Q: The Brazilian Real currency took a big hit since COVID started and with the countries' recent events, the pain likely is not over quite yet. I wanted to know if there were an ETF that would give me access to a potential recovery of the country's economy as well as their currency's recovery (as it is now 4.54$ real for 1$ Canadian or 5.71$ for 1$ USD ). I currently do not own any emerging market ETF for my locked in RSP. I have seen EWZ recommended a few times on here and wanted to know if it was a good option for this goal or if 5i had better recommendations as of today. And would a 5% allocation be too much? Thank you!
Read Answer Asked by Michael on April 06, 2021
Q: How do you think the European markets will do vs the US markets going forward 5+ years? Do you think the US market will outperform Europe or would you be in both markets? If so, what would the % split be?
Thanks for your service?
Read Answer Asked by Ozzie on April 06, 2021
Q: Would JEPI be appropriate for US income and some growth with low volatility. What are pros and cons of this investment?

Thank you
Read Answer Asked by Raj on April 06, 2021
Q: I am helping a grandson (age 22 in medical school) set up a TFSA with a small initial investment in one ETF. I am trying to choose between an international ETF (XAW or VXC) or a Canadian ETF (XIU). What would you suggest?
Many thanks.
Judith
Read Answer Asked by Judith on April 06, 2021
Q: I am interested in investing a portion of my portfolio USA market. It seems to me that the safest way to do this is through good quality ETFs with minimal dividend payout. Their stock market is far too large for me to consider managing individual stocks.
It is my preference not to buy a broad market index with thousands of stocks, rather to purchase ETF’s covering specific sectors that together more or less cover the major components.
At this time, which ETFs would you choose for ...
1.Health Care
2.Industry
3.Cyclicals
4.Value
5.Small Cap
6.Technology. ?
Financials and Resources are well covered in Canada.
Thanking you in advance.

Catherine
Read Answer Asked by Catherine on April 06, 2021
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