Investment Q&A

Q: Hello,

Considering selling a combination of XBB, XLB, and ZMP and purchasing some CAP REIT. Would you see this as a good move? Or hold the bond ETFs? Looking for a longer term hold.

Thanks!

Q: Of these two etfs HYLD and HHIS how safe is the capital and which one would you prefer. Also would they be better for a RRSP, TFSA or NON REGISTERED account

Q: With stock performance possibly to be flat or down for a year or more, could you provide a list of EFTs that could capture extra upside in such a market using options
In particular I’m looking for US small/mid cap ETFs with covered calls/put options for the next couple of years in the event the market is flat to down

Also, is it possible to access a “search tool” for such an inquiry as follows:
US mid cap
CC options
In CDN dollars hedged
Defensive sectors like utilities

Q: Trading volume is good. Yield is similar to other cash savings etf but this has an advantage when held in a taxable account because it does not pay distributions. However it is trading for approx 1.5% premium. If there was no premium, I would buy it for a 9 month hold but the premium is more than half the yield I can expect for 9 months. Am I right that in my situation, pick another cash savings etf? To pay a premium is not a good idea for a cash etf no matter how good it is? What do you think? Thank you!

Q: I own some Bitcoin and would like to invest more but in my registered funds. Can you recommend an etf or CDR I could consider? Thanks.

Q: I'm looking for an ETF in the US Markets for a US Dollar Money Market Fund or equivalent with low fees. Could you recommend one or two very reputable ones?

Broadly, I came into some US dollars, and before I invest them, I'd like to put them into treasury equivalents for security until I invest into the broader market.

Q: What would cause cash to lose money ?

Q: Looking for investing suggestions for someone in there mid twenties that has a very good job and are just starting out investing, I was thinking buying a few ETFs that auto buy every paycheck through a big bank brokerage arm kind of set it and forget till they figure out if they want to learn more about investing. Also what would be a good basic investing book that teaches how RRSPs and TFSAs work? Is Gordon Pape still around, lol.

Q: Hello
I have been a moneysaver customer for many years. I noticed that the model portfolio has an inception date of 2013. Can you maybe work on another more current basket of stocks bonds given that the investing environment has changed. For example the Canadian preferred index used to be quite popular, however given that rate resets are diminishing and that we are in a low interest rate environment, there may be better alternatives

Q: What are your go to bond ETF's denominated in US dollars?

Q: Thoughts on this fund? Long term hold. Would you buy the usd or CAD version, if you'd recommend at all?

Q: Would Canadian funds such as ENCC, BANK, HMAX which hold Canadian stocks be taxed as dividend income or as capital gains income by the CRA ?
I believe that similar funds holding US stocks would be taxed as capital gains.
Thank you.

Q: What do you think of this new etf (HHIS) pros and cons. Looking forward to your thoughts

Q: Good Morning

I would like to increase my US position in my RRSP. I currently cover this US exposure through VBAL(core position) VFV approx 4.5%, Legacy positions of ZLU and ZWH approx, 3%, totaling approx. 31% US. My thoughts were to replace ZLU/ZWH and increase VFV and add EQL to gain broader exposure to US market. Would this give me a good exposure without over duplication? I am retired and 65 and would like a balanced plus approach. Your thoughts or other ideas would be appreciated.

Thank you,
Mike

Q: Hello 5i,

I have been retired for 4 years and i am now am about to turn 65. i have a DB pension from my previous employer with a bridge benefit that carries until my 65th birthday in a few months.

I have done some projections on maximizing both income over the course of my retirement. I have determined that in my case it appears that these results are optimized if i defer OAS and CPP until age 70...and i am fortunate that i can afford to do this.

At this point i am in the process of converting a enough of my investments to fixed income products to cover income requirements until age 70 (to avoid short term market volatility and help me sleep better at night). One of the products i am looking at is using laddered USD GICs as they have better returns than CAD GICs at this point. I understand you don't give personal advice but i am wondering if there are other options i should consider? Bonds for example? Other?

Thanks!!

Peter

Q: Would you consider ZIU for inclusion in a growth portfolio?

Q: Can you recommend some global ETF's in both USD and CAD?

Q: Are these Canadian income ETFs a good place to sidestep potential Trump tariffs? Do you have other recommendations?

Q: Hi 5i,

Currently have a large portion of my investments in equities and I am looking to invest in Bonds for the sake of diversification.

Could you provide your best ideas for Bond ETFs or any similar investment products that I should consider? This is for non-registered account.

Thank you.

Greg C.

Q: In the last 12 months, the canadian dollar has fallen on average about 72 cents to now under 70 cents approximately, therefore if I understood the hedge vs unhedged issue correctly, VSP should have outperformed VFV. it looks like the complete opposite in 1 year returns. Why is that ?