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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: Hey there guys. Wondering about appropriate allocation for my rrsp for longterm holdings (using etfs). Focused on low cost, and good diversification, geographically especially. Keeping in mind my tfsa will be almost exclusively Canadian stocks and ETFs. So for the rrsp 50% VTI, 40% SPDW, 10% HXT. I know spdw holds a bit of Canada too. Thanks for your amazing work, it is very much appreciated,
Jer in Ottawa
Read Answer Asked by Jeremy on March 18, 2019
Q: Good day team ,looking for advice on dividend fund or etf for rsp.i have agf series q interpipeline and sentry energy funds for longer timeframe i have 10 g to ad not sure on what ,thanks for all the great help my investments choices are better since joining your team
Read Answer Asked by Norman on March 18, 2019
Q: I have read your recent ETF and Mutual Fund Update with great interest. The forecast growth numbers for the ETF industry are truly impressive. On the surface, ETFs would appear to be a magic bullet for individual investors who wish diversification at low cost.

Over my lifetime, I have seen a number of financial trends/theses, which start with very strong growth. However, after a period of time, these trends invariably collapse and end badly for the "buy and hold" investors. Do you see any possibility of this occurring for ETF investors? What risks do you see for (conservative, retired) investors who have a portfolio of ETFs as opposed to a basket of diversified, dividend aristocrats? Have you seen any analyses which look at the long-term impact of this trend (i.e. what will happen in the markets if most people buy ETFs and not individual stocks? What risks does this trend pose to individual investors?). Thank-you for your insightful advice.
Read Answer Asked by Dale on March 18, 2019
Q: A lot of research and writing has addressed the reality that it is *very* hard for an active fund manager/stock picker to beat the indices on an after-fee basis.

But what about the bond market? Does 5i know of a body of research/evidence that explores whether or not over time, an active bond trader/manager could beat a passive bond index fund such as XBB/VAB/ZAG? Should I go passive or active with my fixed income allocation? Which actively managed fixed income ETFs do you like, if any?

Thank you.
Read Answer Asked by Walter on March 18, 2019
Q: Hi 5i, As a mid 70's couple our portfolio must be changed to be more div. focused to match our monthly RRIF's. The noted positions and portfolio weight are all under 2% yld. Please suggest some or all to be sold or reduced, in what order, while still having some growth intact.
Thanks.
ATD.B 6.5,IYT 3.7,DIS 2,INCO 1.4,L .8,GUD .8,PHO .6,COV.5,TSGI.3,ZUH5.4,VUN 4.7,VXC 4.6,VGG 1.1,XHC .9
Read Answer Asked by Peter on March 15, 2019
Q: Hi, 60 year old investor. Wanted to get your thoughts on a portfolio consisting of about 11% each of zlb, xiu, wxm, zqq, zsp, zlu and ~ 33% zag. Won’t need the money for about 5 years. Thanks, Mike
Read Answer Asked by Michael on March 15, 2019
Q: Are you aware of a mutual fund or ETF that's main focus is to screen for high roe stocks?
Thanks
Read Answer Asked by Curtis on March 15, 2019
Q: I am building an ETF portfolio with 10 below ETF. I know there are overlap stocks. Am I overweight in any given sector? I will be planning to buy below ETF over the next few months. Can you please advise if my asset allocation is ok. Do you think I need to own all below ETF or just increase Allocation and own few ETFs. This will be my Total Portfolio.

FTSE Emerging Markets All Cap Index ETF 7.19%
iShares Core S&P 500 Index ETF (CAD-Hedged) 18.16%
iShares Core S&P U.S. Total Market Index ETF 21.25%
Vanguard FTSE Global All Cap ex Canada Index ETF 11.76%
BMO NASDAQ 100 EQUITY HEDGED CAD IDX CAD 11.43%
First Trust Cloud Computing ETF
3.04%
FDELITY MSCI INFO TECH 3.08%
iShares U.S. Medical Devices ETF 3.57%
ISHARES NASDAQ BIOTECHNOLGY ETF 2.39%
iShares Russell 2000 Growth ETF 2.10%

Thanks for the great service
Hector
Read Answer Asked by Hector on March 14, 2019
Q: I'm interested in this ETF for the international portion of our portfolio because I like the dividend yield as well as the countries it is invested in. But it is very small and only recently opened by Vanguard in August with very low trade volumes. What happens to investors money if an ETF folds? What are your thoughts on this ETF? Are there other ETF's with similar yield and country diversification?
Read Answer Asked by Lisa on March 14, 2019
Q: I have a very good gain this year and my technical are telling me we will be probably in a sideways or slightly down market until the fall and I am looking at a combination of zwh and zlu to put the harvested gains. my question is where they fit in my portfolio either in a registered account or non registered acct. if you could help me with this small problem it would be appreciated. thanks for the great service...gene-
Read Answer Asked by gene on March 13, 2019
Q: I hold HBF in a non registered account 5%. Based on total return I’m barely above water. It’s good for income , 7%, . I’ve been investing mainly in quality dividend stocks and have done quite well on dividend income and growth. Mainly investing in CO’s that have a history of increasing dividends, aristocratic family. This is the only etf in the portfolio. Any suggestions as to a replacement?
Read Answer Asked by Roy on March 13, 2019
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