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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: Hello Peter and team,

Is there a tax efficient way to have US exposure in a taxable account? Would you recommend a ETF? Trying to get more US exposure in my sons portfolio and the taxable account is quite a bit larger than the RRSP's and TSFAs (both maxed) so if we want more US exposure, it has to be in the unregistered.

Thank you,

Wes
Read Answer Asked by Wes on November 18, 2019
Q: 1. Could you please recommend stock or etf for global or USA real estate exposure. Well diversified TFSA, conservative investor.
2. Could you also please suggest how to reduce exposure in C Cyc space. and increase in Industrial. In C Cyc currently own own MG and NFI ( C Cyc / Industrial) and WSP in Industrial.
Thank you
Read Answer Asked by Hali on November 18, 2019
Q: I did research on this ETF and like what I saw
1) 5 star MS ranking
2)Excellent performance
3)Good bid/ask spreads
4)Invests in some oversold sectors and I like their holdings

Although it's small in size, liquidity seems good (level 2) and I think it would be a good complement to VFV, ZLU.

May I have your analyis and recco on whether you think this is a potentially strong acquisition. Or, do you have anything better?

Thanks

Sheldon
Read Answer Asked by Sheldon on November 18, 2019
Q: Hi Team,

I am trying to help a family member with a simple solution for investing in stocks in their RRSP account. Im leaning towards VT due to no withholding taxes but I would like your opinion as well. Im thinking currency diversification is a good thing with VT too as there are other Canadian holdings (XDIV) in their TFSA.

Thanks
Read Answer Asked by Keith on November 15, 2019
Q: hi guys thinking about buying an etf would like a clarification on the fees that are charged and when and how they are paid and to whom thanks as always
Read Answer Asked by michael on November 15, 2019
Q: For the moment, I'm satisfied with each of the CDN and US holdings in my portfolio. But I have nothing that is non-North American. So I'm planning to invest about $50,000 which would be 10% of my current portfolio. I haven't tracked international equities very much and am looking for recommendations. What do you think about purchasing individual stocks ... intending LT (5+ year) hold? Could you suggest 4 or 5 stocks I might look at? Asia? Europe? etc. Finally, if you're not keen on investing in individual stocks, can you recommend a few international ETFs for me to research? Thanks very much. (5i is an awesome resource for me).
Read Answer Asked by RANDALL on November 15, 2019
Q: Hello 5i team, I am slowly reducing my exposure to equities for two reasons: position my portfolios ( US + CDN) for a possible recession or slowdown and also, I am 66 year old and my portfolios are 80% equities.
I have taken small positions to above bonds ETFs.. May I have your comments and also, would you recommend short/long or medium bonds and treasuries? As well, do you have other recommendations for someone my age? Thanks CR
Read Answer Asked by Carlo on November 14, 2019
Q: Portfolio Analytics suggests we increase our US and International allocation to 35% and 25% (Currently much lower in both) and also decrease our equities and increase our fixed income to achieve a 60/40% split . (Currently we are at 85/15%). Looking at XBAL as a simple way to help achieve this, using some cash and proceeds of TSGI which I plan on selling soon. Any concerns or other suggestions ?
Thanks as always.
Read Answer Asked by Alexandra on November 14, 2019
Q: Have $20,000.00 sitting in a LIRA account. Please recommend 3-4 ETFs that I can hold for the next twenty years. and drip (no bonds) would like to double every 10 years. Would Dividend Growth ETFs a good choice over that time frame or just growth stock ETFs?
Thanks Cec
Read Answer Asked by Cecil on November 14, 2019
Q: Hello 5i
I have CLF at 6% weight, the highest of the portfolio. I am tired of seeing it constantly dropping over these many years. Would it be of a benefit to exchange this for XLB with the higher dividends and what appears to be an up trend over time? I am 73 with a 60 /40 split, value investor seeking dividends holding some growth equities among the blue chips.
Thank you
Stanley
Read Answer Asked by STANLEY on November 13, 2019
Q: Hi,

Looking for a long term hold, preferably lo-volatility and some growth. I own the banks, AQN, BAM, and ZQQ. Can you recommend your top two picks and why?
Read Answer Asked by Graeme on November 13, 2019
Q: Hi 5i team: I am looking to add to my portfolio an International ETF ex Canada (in US dollars), I want to get more ex-Canada diversification. Am leaning toward XAW:U (shares Core MSCI All Country World ex-Cda) as it seems to get high marks from the research I have done. Could you suggest another 2 or 3 as alternatives in US dollars. What do you think of VT ? Thanks as always for your guidance.
Steve
Read Answer Asked by STEVEN on November 13, 2019
Q: RE: Nov 12, 2019 Q: I found your response to Leonard’s question regarding which accounts international ETFs are best placed quite interesting.

When both (a) VWO's extra withholding tax and (b) VEE's better return than VWO (longer term - 7 years) factors are considered together, which has produced the best 'real' return (and be likely to in the future)?

VEE vs VWO Performance (approx):
- VEE: Dividend: 2.8% 7-Year: +36.9% YTD: +9.2%
- VWO: Dividend: 2.7% 7-Year: +5.5% YTD: +7.6%

Thanks!
Read Answer Asked by Paul on November 13, 2019
Q: What is your opinion on newer ETFs that are basically high interest savings account? I'm referring specifically to Purpose High Savings Interest ETF and CI First Asset High Interest Savings ETF. Is there any risk here or do they pay such low interest rates that just holding cash or a cashable GIC would be preferable? Thanks.
Read Answer Asked by Paul W on November 13, 2019
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