Investment Q&A

Q: Would you consider XXM (First Asset Morningstar US Value Index Etf
CDN Hedged) as a suitable hold regarding the U.S. market. XXM.B is the unhedged version. If not, do you have another choice.

Thank you.
Denis

Q: In discount brokerage account, where do you suggest investing cash balances that will be deployed over the short medium term. I generally use HISA offered by equitable bank and b2b laurentian bank (0.8 to 1 % return with no transaction fee). Do you or 5i suscribers have any alternative with better return. Thank you.

Q: Do you have any recommendations for Agricultural ETS's for income? (10 year hold)

Q: What is your opinion on XFA which selects stocks based on momentum, quality, value and small cap size. Could you please suggest a balanced portfolio using smart etf's. Do you think this is a good strategy? Thank you for all you advice.

Q: Can you tell me your favorite ETFs for USA income growth - Looking for stability with focus on income growth - I have 10 years horizon - thanks

Q: I am thinking about replacing MAW102 in my RRSP with a combination of ZWE
and ZDI or MAW150 ( Global Small Cap Fund) to enhance income with some
growth. What is your opinion of this change? Joe

Q: what are your favourite ETS's for Gold. and What is your favourite ETF to short the USA and Canadian markets...

Q: Re form 1135 is zqq in my non registered account to be counted when reporting ? James

Q: I am not quite clear on tax implications for the following scenario. Could you please confirm (or not !) if I am correct or if there are other implications ?

If, in a Non-Registered Account, I hold a Canadian-domiciled ETF or Mutual Fund that owns a mix of Canadian, U.S. and possibly other international companies, then:

1) 15% of the U.S. company dividends will be withheld by the U.S. (Or whatever equivalent withholding tax if non-U.S.but international) This amount is reported at year end through the Fund/ETF, and reflected on the tax slip I receive from my brokerage. When I fill out my return, I can then apply for a foreign tax credit which means I should get back all the tax that was withheld.
2) The portion of dividends from the Canadian companies held by the Fund/ETF will be eligible for the Dividend Tax Credit but NOT the portion from the U.S. or international companies.

Thank you for your help !

Q: I am not comfortable purchasing individual stocks in a small account, with my go to name being ZEB, can you recommend any others that provide the diversification? I'm thinking the US indices hedged back to CAD, is that a good idea and which ETFs would you recommend in that case?

Q: I have about 110,000 dollar that I will be investing in your balanced portfolio and the etf ViG. About 45,000 dollars will be in a non registered account and 65,000 in TFSA. I am avoiding RRSP because I have a good pension. My tax person said that I would save tax by putting the non dividend equities to the non=registered account. I plan to leave the investments in for 7-8 year As well will vig be taxed at a higher rate because it is non-Canadian if it is in the non-registered?

Q: Hi, I have a small position on Coty ( previusly held P&G). But this transfer has not fared so well down 20%. Wondering if I should hold onto to this or move to a small cap etf like IWO or IJR. Thanks. Shyam

Q: I have a note from you wrt to CPD so am aware of its rate reset properties - which should be positive in the anticipated rising rate environment. However, I have not followed prefs before and wondered how they might perform should we get a significantly negative equity market, and - additionally - whether the managed version might do significantly better in those circumstances. Appreciate your opinion. Thanks.

Q: Hi I would like your thoughts on this ETF. I have some cash I would like to park for 1 to 2 years. Do you this as a reasonable option. Thanks

Q: I have no gold in any of my 3 portfolios. I feel that I should have gold exposure. Could you recommend a stock that I could hold for the rest of this year. I would like to see some dividends with a gold stock.

Q: Hello 5i team. I'm new here.
With volatility perhaps increasing soon, but not wanting to be entirely out of the market for next 100 days, which U.S etf, would you recommend, ZPW(put write), ZWH(covered call), ZLU(low volatility)or other ?

Q: Hi Team,

I have the following Allocation:
08% Growth Portfolio
17% Balanced (Model Portfolio)
45% Income Portfolio

This makes a current 70% in Canadian Companies and 30% in cash. The Stocks are held in RRSP portfolio, and I would like to put the remaining 30% into Non_Canadian Dividend/Growth Income area. Can you recommend which ETF's might be able to round out the remaining 30% for me?

Q: We have an RESP with $24000 set up for our grandchildren and would like to have 2 or 3 investments. We thought about CBO & HPR. Would these be appropriate or can you give us some better investments. Thanks. We appreciate your expertise.

Q: I was thinking of using this etf to give some downside protection to my portfolio. What are your thoughts on this? If you think this is okay, what % of my portfolio should I allocate to this?
Thanks

Q: Hi 5i,
My partner and I are 60 yrs. old, both newly retired with no pensions. 50% of our portfolio is in banks (one in the US), the rest in renewables and the occasional tech stock.
We are thinking with Mr. Trump now in office, we should probably look at gold. Presently we have no gold, even though I see comments that 4-6% of your portfolio should be in gold. What would you suggest for us? Stocks, bullion? If stocks, which ones and percentage of each would be valuable.

Thank you!