Investment Q&A

Q: Are there any similar funds to this. ? I have 800.000 to invest. Is it safe to invest it all in one fund? Minimum 4 years to retirement. age 67.

Q: Further to my previous question on these etfs. if I buy these etfs and they over time accumulate gains from distributions. And I then sell some units for income is my gain or loss solley dependent on wether I sold above or below my purchase price or could I in fact sell for my exact purchase price and still have a cumulative gain from distributions from the swap? Also in your opinion would these funds as start ups be a poor way for a retired person to avoid income as to gain on oas and gis ?

Q: I currently hold a global infrastructure f class mutual fund (CIBC Renaissance ALT062)in registered acct's. It has had poor resent performance with a big drop at the end of 2017. Cause?( It has a 15% investment in UK and top holding in Eurotunnel). Could you recommend an ETF or company as a suitable replacement. Also, would it provide more choice and liquidity if I converted to US dollars?

Q: I am retired and have over the last year built a somewhat diversified portfolio that is geared toward income. I own 1000+ shares of the following of stocks and ETF’s.
Stocks : AQN, ENB (2K), BEP.UN, CVE, RY, SLF, BCE, CPG, IPL,NGD,BT,TD (U.S.),GE (U.S.)
ETF’S: ZEF,ZWE (3k),ZWU, CYH, REEM (2K),MFT (3K), XTR, ZMI (2), ZWP, ZDM, ZPW,ZWH.
I am presently holding an additional 45% in cash and feel that I am lacking in US exposure. I am thinking of purchasing either HEA or ZDY. I like the yield of HEA (6.46%) vs ZDY (2.96%). My question is should I be worried that there is not a lot of daily volume with HEA, in fact some days none. 2. How does someone go about buying 20,000 shares of an ETF with very little daily volume? Is there another ETF(income) that pays a minimum of 3% yield with a broad US exposure that you would recommend? Please note this is for a 5-7 year hold. Any help would be greatly appreciated.

Q: what would you think of the following strategy?
instead of paying the high MER of ZLB i buy the top ten stocks listed under ZLB in the proportions listed and then at the end of each year I readjust to match their new top ten? i know this would involve some trading costs but even if all ten would have to be replaced (not likely) i would still be ahead. anything i am missing?

Q: Dear 5i
What ETF`s would you recommend for a TFSA account with regards to CD and US equities ( re the TSX ).
Thanks
Bill C

Q: In this time of low returns for bonds and GICs, preferred shares are an option. Currently they have been under some pressure, like the rest of the market, but I would welcome your suggestions for a few Canadian preferred shares that are rate BB or above, with a decent quarterly dividend.
Thank You.

Q: Hi 5I,
I own the following stocks (approx 1K shares of each).
AQN,BCE,ENB(2K),BEP.UN,RY,SLF,CPG,IPL,NGD - U.S. - TD, BT & GE. My ETF's are anywhere from $1k-3K shares of each of the following:
ZEF,ZWE (3K),ZWU,CYH,REEM (2K),ZMI(3K),CYH,MFT (3K),XTR,ZWP,ZDM.ZPW,ZWH. - Also holding approximately 40% cash. I feel my portfolio is lacking U.S Exposure. Which of one HEA or ZDY would you recommend and what kind of weighting? I am retired and as you can see my portfolio is heavily weighted for monthly income. Looking at a 5-7 year hold. Any other suggestion would be greatly appreciated.

Q: I'm rebalancing my RESP holding. As far as A US etf would you prefer purchasing VIG or is there a Canadian listed etf similar to vig that you would prefer?

Q: What's your opinion on this allocation: 40%HSX, 35% VCN.TO and 25% VRE.TO for a medium risk TFSA portfolio?

Q: Is there a short term money ETF that trades in the US that also trades in CDN that can be used to transfer money back and forth? I am thinking of ETFs like PSA in Canada or FLOT in US.

Q: I am a new retiree and interested in income, with some growth. What ETF or ETFs would you recommend for a non-registered account? Thank you.

Q: i am looking to add this in my TFSA as I have no health care stocks and I think it is a good time to enter this sector,your opinion would be valued

Q: Do you recommend US-based, Total Return Index ETFs (which use total return swaps) for TFSA to avoid US withholding tax on dividends? For example HSX.

Q: For an investor looking for some direct exposure to India with a long term outlook, would you prefer FIH.U or INDY or do you have a different top pick? What about IFN which seems to have an indicated dividend yield of 13.4% Would be held in a registered account.

Q: How is it that Zimbabwe can pay a dividend beyond (by quite a bit) what the underlying holdings seemingly pay. Does the covered call element really make up the difference or are they returning my capital in part?

Q: I hold a substantial position in VEE as part of my international allocation. While it is priced and trades in Canadian dollars, its core holding is VWO which trades in US dollars. I already have enough US dollar exposure, and welcome the added diversification between the Canadian dollar and local emerging market currencies. However, adding VWO into the mix has me confused as to how F/X exchange rates will affect the performance of VEE. Will any F/X impact to VEE be limited to the relative exchange rates between the Canadian dollar and emerging markets, or does the US dollar somehow play into this?

Q: Investments in emerging markets might make sense at this stage.
What would be your assessment? Would you have another recommendation?
Thank you, Team!

Q: I have a question about fixed income ETFs and the bond market. Is this the time to be putting large sums of money into fixed income ETFs like ZAG, VAB and ZCM? What risk do these ETFs pose in a rising interest rate environment? Should one even be concerned with the price fluctuations over a month, 6 months or a year?

Q: i have about $500,000 to invest for 10 or more years. i don't need income from it. in order to keep it simple and be able to easily rebalance every six months or so, i am considering investing in only 3 etfs, as suggested by the canadian portfolio manager.
1. do you see any problems with this strategy? (i already have another portfolio in individual stocks.)
2.would ZAG be preferable to the suggested ZDB?
3. would ZLB be preferable to the suggested VCN?

thanks in advance. take whatever number of points necessary.