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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: The tax treatment of these ETFs (and typical of others) is difficult to determine. Dividends are withheld from these ETFs but are applied to the book value of the stock. We still pay for the dividend as income (with tax credits) but when the stock is sold, the capital gains are reduced by the amount added to the book value. Capital gains are taxed at 50%. Does it matter if we hold these in a RRIF or personal account? I'm retired and total dividend income is below $50k.
Read Answer Asked by Greg on April 22, 2019
Q: Are there ETF's out there that employ both Active and Passive investing under one roof, or do I have to buy one active and one passive to create my allocation to both strategies ?

Read Answer Asked by darcy on April 22, 2019
Q: Can you tell me which is better . 2.82 yield with .18 MER. Or 2.56 Y .06 MER
Thanks.
Read Answer Asked by JAMES on April 22, 2019
Q: Hi Team,

Question about income etf's, i have roughly 225k invested. I am 50 years old and have always been an aggressive investor. Usually an 80%equity to 20%income. In which etf or etf's would you allocated the 20%

Thanks
Read Answer Asked by Rino on April 22, 2019
Q: Hello. My question is regarding Management Fees vs MERs. Can you please tell me what is typically included in and MER other than Management fees as the MER is usually higher than the Management fee.

Thank you
Read Answer Asked by Alex on April 22, 2019
Q: Could you recommend one or two quality American REITS or a REIT ETF principally investing in the States? Thank you.
Read Answer Asked by richard on April 22, 2019
Q: I have recently been adding to my position in EEM. It is currently my biggest position. Should I sell EEM and replace it with IEMG due to the lower fees ? Thank you for this great service.
Read Answer Asked by Christopher on April 22, 2019
Q: I am a retired, conservative, dividend-income investor.

Q #1 = I have partial positions in CSH, CGX, PBH, TCL. Would you top up any of these positions?

Q #2 = I am a little light on Consumers. I am having trouble finding an ETF in the consumer sectors that pay a "reasonable" dividend. My ideal dividend target is > 3%, but I'd consider > 2%.

Two questions...please deduct 2 credits. Thanks...Steve
Read Answer Asked by Stephen on April 22, 2019
Q: Knowing Sapiens of 5i - 2 questions - do you think that over the next year some increase in exposure to emerging markets is appropriate and would you use VEE or XEC if so and IEMG for US dollar exposure or another US ETF - second might a reduction of exposure to Cdn banks seem reasonable over the next year (ie sell some TD and maybe some BNS) and buy some SLF or another financial Cdn equity for some greater torque - in other words do you suspect the banks may stagnate a bit over the next year and become income only to some extent - best guess please - appreciate your instincts - Ken of Yonge and Eg
Read Answer Asked by Ken on April 22, 2019
Q: Hello Peter and gang
What can you say about IHI, it seems to be pretty good over a 10 year period. Is there any other etf in the same field. Is there a Canadian version?
What are you expecting the quarterly report to be for TFII. Is this a good long term hold.
Is it time to jump into PHO. Held it before and did well. Is this a good time to jump back in.

thank you
Ken and Cindy
Read Answer Asked by cindy on April 18, 2019
Q: Dear 5i
Could you tell me the indicated GROSS dividend yield and their corresponding MER for the following ETF`s (and your source ) for the following ETF`s ; CLF , CBO , XBB , ZAG , XHY , and HYGH .
Also i`ve noticed on one sight that the management fee for CLF was noticeably higher then the expense ratio . My understanding is that the MER is inclusive of other fee`s so should always be higher then the management fee . How would you explain this ?
Thanks
Bill C.
Read Answer Asked by Bill on April 18, 2019
Q: Please provide a comparison on CPD,FIE, and XTR. My objective is dividend income and security. Can all 3 be owned ? If not which do you prefer ? Or provide a better choice ?
Many thanks,
Read Answer Asked by Luc on April 18, 2019
Q: I have significant USD in my RRSP in cash. Do you have any recommendation for a balanced USD ETF even if it’s trading in the USA that is “low” risk conservative and might expect 4 to 5% annual gains? Thanks. Peter
Read Answer Asked by Peter on April 18, 2019
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