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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: Do I really need gold (XGD)?

I know 5i regards gold as an insurance/flight-to-safety hedge, but over ~ 10 years of investing, gold (XGD) has only lost me money. So, based on:

(a) http://money.cnn.com/2017/04/19/retirement/retirement-savings-gold/index.html and
(b) May 08, 2017 - Asked by Harry 'you can use TIPS securities under ticker TIP',

I'm considering replacing all my XGD (2.2% of portfolio; keeping RTM and ZCL in Basic Materials sector) with TIP ETF (10-year returns: TIP: +13.2%, XGD: -30%).

Would very much value you thoughts on this. Thank you.
Read Answer Asked by J Carl on August 01, 2017
Q: Hi 5i,

I'm thinking on adding ZWH 5%-10% to my RRSP to cover my US exposure. This is for a income portfolio.
My portfolio now consist of 50% GIC's and
5% in each of the following stock.. BNS,EMA,ECI,ENB,SRU.UN,BCE.
10% in CDV.
Can you suggest another ETF that would fit better then ZWH? Or would you consider ZWU a better position. I see 5i income portfolio doesn't have any US equity holdings.
Would the US dividend be tax excempt within the ETF?

I look foreward to your answers.
Thank for all the excellent info!!
Read Answer Asked by Stephen on August 01, 2017
Q: Your portfolio review was helpful and appreciated. Am gradually tweaking our savings re diversification. Presently no healthcare. Am mulling a 3 - 5% (of equity) stake. We can do this in either Cdn or US$. The US healthcare sector is our preference. If we use our Cdn$, it appears you favour ZUH? Can you recommend an equivalent etf if we use our US$? I'm also hoping for your thoughts on whether now even the time to take a position in healthcare (given the current confusion down south) or would we be better off just to add this cash to our SPY or XSP. Thanks for your help.
Read Answer Asked by Bill on July 28, 2017
Q: I have seen my investments total value in US stocks and non hedged ETFs going down lately, although individual stock price are doing OK.
I know it is very difficult to predict currency fluctuations, I would like your view and recommendation on how to protect my portfolio. Is buying hedged ETFs is the solution and what about your view on the Canadian dollar against the US $ and the Euro.
I value your opinion
Raouf
Read Answer Asked by Raoul on July 28, 2017
Q: Hi,

I've just converted a significant amount of cad to USD. This is cash I plan on deploying in the event of a market correction. In the mean time, I am looking for a usd vehicle to park my cash, with the primary goal being capital preservation. Do you have any suggestions? I was thinking something like horizon's HFR etf-does something équivalent exist for USD? Please advise if such an etf exists, and what your preferred vehicle would be.

Thank you
Karim
Read Answer Asked by Karim on July 28, 2017
Q: Hello 5i
Our foreign equity holdings are CBQ at 5% and VEF at 4% both held in rsp's. (also have US holdings of 12%) Blackrock has sent out notification that CBQ will be terminated on Sept.27 this year. Would you please suggest a replacement.
Thank you
Les
Read Answer Asked by Les on July 27, 2017
Q: Hi Peter and Company,

I currently have a position on RY, TD and BNS and I am thinking of moving some money from Canadian banks to US banks. So of the three aforementioned banks that I currently hold, which one would you take off the table and is there a U.S. bank that you can recommend?
Cheers,
Harry
Read Answer Asked by Harry on July 27, 2017
Q: I hold small weightings in cdz,zwc,zwh,zwe as well as holdings in Canadian utilities. I am thinking of replacing cdz with either zdh or cyh to increase my international holdings. Would you please look under the hood of zdh and cyh and would you recommend this move or do you have another recommendation?. Thanx. Great service.
Read Answer Asked by Steve on July 26, 2017
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