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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: Goodmorning

My Grand Daughter has the following funds in her RESP> She has sufficent funds in each to pay for all costs associated with each of the 3 years of her education. Which would you sell 1st 2nd 3rd over the next 3yrs and would you suggest selling any and if so what would you replace them with?
Thks
Marcel
Plse take 3 credits
Read Answer Asked by Marcel on February 20, 2019
Q: I hold about 3% in XHY and CPD in a registered account. I'm wondering if selling those and moving to XTR would be a prudent move? XTR adds diversification beyond the two I currently hold.

Thanks....
Read Answer Asked by Ronald on February 20, 2019
Q: I am interested in investing in this US etf SRVR which holds 45 percent of its funds in American Tower, Crown Castle, and Equinix mainly for the anticipated rollout of 5G. Bill Gates has just recently bought into Crown Castle. This etf has only been on the market since last May but has a 15 percent return to date. Can you tell me if this etf looks good as opposed to buying individual stocks as I prefer the etf basket approach. Thanks.
Read Answer Asked by Helen on February 20, 2019
Q: Hi 5i,

A portfolio construction question. I've selected a mix of XTR (36%), XSB (7%), CDZ (17%), XAW (19%), and then a mix of laddered GIC options (17%) and a small cash holding (4%). This is for a family member's portfolio, retired, needing income, security, and modest growth (in that order).

This ends with an allocation of approx. 55% equities and 45% fixed income/cash, and 69% Canada, 22% USA, and 9% Global.

This mix also generates distributions/dividends almost dead on 4%/year, so following the 4% withdrawal rule more or less allows for not needing to sell anything to cover cash flow needs.

Wondering if you could comment on the ETF selections and overall structure with the understanding of course that its always a highly personal decision. More just want to know if you have better ETF or security selections for this scenario...

Thank you so much!
Ryan
Read Answer Asked by Ryan on February 19, 2019
Q: Hi 5I,

Could you please rate the following bond ETFs.
VAB, ZAG, XBB.
I'm thinking about XBB because I can trade it for free on my itrade account.

Thanks.
Steve

Read Answer Asked by Stephen on February 19, 2019
Q: Good morning. My daughter is working in the US and is looking for low to moderate risk, low fee, ETF funds or fund families in which to invest her 401k monies. What would you recommend. Thanks.
Read Answer Asked by alex on February 19, 2019
Q: In your view, what are a few of the best ways for me to make investments in A.I. part of my portfolio over the next 15-20 years? This pertains to specific A.I. companies, but also indirect avenues of investment like ETF's, banks, etc, that have a stake in A.I. technology. I realize that this area is in flux and that you have no crystal ball here, but any guidance would be appreciated.
Read Answer Asked by Dennis on February 19, 2019
Q: I still have a large portion of my investment portfolio in mutual funds. I am disappointed with the returns and am thinking about the following change:

sell all mutual funds, move proceeds into my online trading account with the following allocation:

70% in ETFs covering:
- Canadian Market (50%)
- US Market (25%)
- International developed markets (15%)
- Emerging markets (10%)
30% in higher growth stocks (5i favorites)

I have a 15 year time horizon.
In the summer I liquidated my TFSA mutual funds and moved proceeds into the 5i balanced growth/income model portfolio.
Please provide some comments on this strategy. Is it too conservative, too aggressive? Generally, do you recommend any adjustments.
Read Answer Asked by Darrin on February 19, 2019
Q: I am wondering about the appropriateness of your Balanced ETF fund being held in either RRSP or TFSA from a tax perspective.
Read Answer Asked by Steven on February 14, 2019
Q: Greetings,

I am currently reviewing holdings as i have taken over management of my own US 401K. I generally prefer to hold the individual stocks over paying management fees, however, as I research this fund, the fees seem to be worth it in this case and i certainly like the monthly dividend as i head into retirement in the next couple of years. Your thoughts on this one?

Thanks
Read Answer Asked by kelly on February 14, 2019
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