Investment Q&A

Q: I own equal amounts of these bond funds in an RSP. While CBO has a 2.3% return over the last year, and is considered one of 5Si"s "core" holdings, I am thinking that I should retain this position. XSB is off about 1% in the last 12 months, and its return over the last 5 years is dismal. XSH has about a 0.4% return in the last 12 months , with a 3 year return of 2.1%. Is there a benefit to selling any or all of these positions, and purchasing higher yielding bond etf's? If I were to sell, should I seek US or Canadian bonds fund, and which specific etf's might you recommend?
Thank you for your consistently good advice.

Q: Is there any single ETF with significant holdings in Japan,India and China?
Thank you,
Philip

Q: Can you please give me your thoughts (or alternative recommendations) on the following Funds for a 64 year old heading into retirement within the next year.

RBC Select Balanced Portfolio - Series A . (RBF460)
EdgePoint Cdn Growth & Income Port Sr A (CAD). - (EDG188)
EdgePoint Global Growth & Inc Port Sr A (CAD). - (EDG180)
PIMCO Monthly Income A (CAD). - (PMO005)

Please deduct as many credits as required.

As always, thank you for your invaluable service.

Micheal

Q: Can you give me your thoughts on the following BMO mutual funds for a 40 year old who holds them in equal weights? Please deduct as many credits as needed. Thank you!

BMO Retirement Balanced Portfolio
BMO Global Small Cap Fund Series A
BMO Global Energy Class A
BMO SelectTrust Equity Growth Portfolio

Q: Thinking of selling my CDZ and VUS and replacing them with Mawer 106,108 and 150.Or selling CDZ and keeping VUS and buying Mawer 106 and 150.Or do have another US ETF or fund that you like.Thanks Paul

Q: Just curious. CBO is off 6% in my fixed income, what will take or will it get back to a positive position, its a long term hold in portfolio.

Q: I would like your recommendation on ETF's or funds that would focus on Japan and India, preferably larger cap holdings. One or more recommendations is fine but I do want a Canadian dollar traded product as I don't want to get into the costs incurred with exchanging CDN to US.
Thanks for the sensible and steady advice you folks provide! Rob

Q: From your answer to Milan :
A diversifed portfolio of bond issuers (corps, gov, prefs, high yield) will earn a better yield and is more appropriate from a higher income need aspect. Bonds can actually see capital appreciation if rates were to decline, or even hold steady. Cash/GICs would not benefit in this case. Overall, we remain on the side of diversification. Hold a bond portfolio with various issuer types and add in some GICs and/or cash. How you weight these reflects your views and tolerance.
Could you suggest a diversified bond portfolio with various issuer types that should produce more than the 2.75% offered by Tangerine?

Q: I have about 12% of my portfolio in MSI , was thinking of reducing it to 6% & with the proceeds from the sale buying the new RBC etf RUE.Currently I don't have much exposure to the United States except indirectly through TD & SIS.Your thoughts & comments on this would be appreciated.
Thanks,
Dave

Q: I am comparing FDN, IGV, VGT,and BST - all hi tech ETFs . BST has performed the best this year and pays a healthy dividend . Aside from some Apple and Google I am barely into the US Tech sector . 1. Should I just buy "something" and hope for the best ? 2. Do you have a favourite tech ETF ? 3. Am I too late for the party ?.

Q: Though they have interesting holdings they seem to have low volume on the etf's,could you comment ?

Q: I am interested in two funds, KWEB and KEMQ, managed by Krane Funds Advisors. I would appreciate any insight you can provide as to the company's reputation in the industry.
Thank you.

Q: What would you pick as the best handful of etfs to own to build a beginner, well balanced portfolio for building up investment dollars? At what dollar amount would you see it to be more beneficial to split the money among 20-30 individual stocks rather than a few funds?

Q: I use this ETF to provide proper exposure to healthcare within my portfolio. Now it is under pressure as a result of political pressure. Would this be a good time to take profits?

Q: If I invest in this ETF using funds from my TFSA, will I have to pay tax on any capital gains because it contains US and International stocks?

Q: Hello Peter and Team,
The article;Filling in Portfolio Gaps for a Canadian Fund Investor by Ryan Modesto makes the point that passive investing in the TSX 60 ETF is not proper diversification.

The 5i Balanced Equity Portfolio is actively managed with a strategy to offer a balanced diversified approach to sector, style, market capitalization and does not aim to mirror a broad index (BE Portfolio holds 15.62% in technologies and 2.41% in healthcare).

1. An investor with risk tolerance comfortable for the BE and a time frame of over 10 years would it be advisable to add two or three positions like ZQQ (US Technology sector exposure), ZUH (US Healthcare sector) and or ROBO (robotics and artificial intelligence)?

2. Would you consider these ETF not in line with the BE strategy and would create over diversification and or not to be in risk tolerance of the BE portfolio?

Thank for the great no conflict service that you provide, Ronald

Q: I understand that NVDA is a leader in this field. Would you chase it at these prices? How can one invest in this sub-sector - individual stocks or ETFs?

Q: Hi team,

I saw your comments on the IEFA iShares ETF and was wondering if the geographical allocation of XIN is similar to IEFA? Would 5i recommend it as a suitable alternative? What benefits/drawbacks are there with regards to currency between the XIN and IEFA? Thanks. IS.

Q: Is India reasonably priced right now? If so, do you prefer INCO(consumer), INXX(infra), INDY, ZID(C$) or a combo (or something else)?
Thanks.

Q: Can you please clarify what 2 ETFs Glen was asking about today? You mentioned they are must haves
Thank you