Investment Q&A

Q: Peter and team:

I have done very well on both NFI and WEF (2x) in an RESP for my kids. First withdrawals will be in 2-3 years.
In your opinion should I sell both and re-invest in something less volatile, or hang on for the ride.
Also, what do you think of BMO low volatility funds (ZLB and ZLU) as options on a 2-3 year RESP.
Deduct a couple if you see fit. Thanks as always.

Phil

Q: Sentry Global REIT Fund cut their distribution at the beginning of the year. Is it still a good buy?

Q: I currently hold a 2% position and would like to increase my REIT holdings. Would you suggest a single position or an ETF ? Would you continue to hold Boardwalk ?

Q: Hello,

I am looking to get some exposure in emerging markets. I currently own only Canadian and US equity. I am looking into ETFs, more specifically; XAW, XEF, VEE, amongst others. I'm looking to invest moderate to long term.

Doing you have a preference amongst those, or other suggestions? Secondly, do you think the timing is right, especially with respects to China? And finally, which countries/continents would you have a preference for?

Thank you

Q: I have opened RRIF with the following:zwu,zwh,zdm,zue,iwo,vig,xei,bip.un,rpi.un,ccl.b,A&W,bmo,vnr jnj and otc. I would appreciate your comments as to whether these are appropriate investments. If not, your suggestions would be appreciated. Please assume that my entire portfolio is diversified.

Q: What do you think of XSB as a short term hold, six months or less? Bonds generally do well, relatively, in the summer.

Q: If I buy an country specific etf listed in the USA like the ones mentioned do I still have to pay the 15% dividend withholding tax to the Americans if the dividend is coming from non USA companies in a non registered account? Moreover, your opinion on both etf's

Q: Peter and team,
I have about 18K to invest in my daughters RESP which will be required in the following two years, and about 24K to invest in a non reg account for her to use in around two to six years timeframe. This is not money I can afford to loose so I need to invest it carefully. Some say I should be keeping it in a GIC due to the timeframe, however that will not even keep up with the cost of living.
Any suggestions please?

Q: I am re-evaluating my Fixed income holdings and looking to increase my holdings from 10% up to 20% of my total portfolio. Currently hold CBO and XHY and based on your answers to other questions am looking to add XIG and XBB.
In doing my research I notice that, with the exception of XHY, the Yields to Maturity after MER are well under 2% for CBO and XBB and around 3% for XIG, based on Blackrocks website. Given that XIG is US Bonds with Ave Maturity of 12.7 years I would think that any increase in US rates in the next few years would have a larger negative impact on this ETFs performance.
Given this info why would I not simply buy a 5 year ladder of GICs where I can get slightly more than 2% guaranteed for terms of 2-5 years with no possible loss of capital. (based on rated quoted in my discount brokerage acct.

Q: ETFs--ZPW,ZWA,ZWB..ZWH,ZWE--all yield 5-7% range . Are these ETFs a benefit for yield -- 3 yr. hold --- looking for income . Would like your assessment & thoughts

Q: For international exposure, I have some ZDM in my portfolio but should I be worried enough about BREXIT to dump it?

Q: I read an article today in the businessinsider.com by a Joe Quinlan extolling the virtues of buying stock in emerging market countries. He seems to think the upside is huge and the times to buy is now.
Would you agree with this opinion and would VEE be a good option for such an investment? With thanks, Bill

Q: I have held this in my rrif for some time as my short term Corp bond holding is this the most appropriate choice or should I be switching. This makes up most of my short term Canadian corp exposure. Thanks very much for your wisdom.

Q: I'm a conservative investor and planning on investing 60% of my Portfolio on the following ETFS.
ZLU, NMW, ZUQ, ZGQ, ZWH and FHC, what are your thoughts?

Thanks Valter.

Q: Good Morning- Wondering what your opinion is on the following - ZWH and ZWA. I am looking for a low risk income stream and trying to achieve a 5 % return. Thanks for your help. Ron

Q: I manage a part of my portfolio and have some with a wealth management firm that is strictly income. My wealth management firm has been buying a lot of ETF's lately, and I am concerned that I am paying fees to the firm as well as fees on the ETF's, and that overall it is cutting into my income more than I realize. I have been searching the internet for a site that will list the fees associated with ETF's so that I can make some calculations, but can't seem to find one. Do you know if wealth management firms get any sort of kick-back for buying ETF's, and do you (or another member) have a suggested site with fee information easily available?

Q: Could you give me your opinion on ZWE as a replacement for some idle cash and for dividend earnings in my RIF. Thanks for your advice.

Q: Hi, I have these 4 ETFs in my wife's accounts, in approximately equal weights:
XIC
CDZ
VDU
VUN

Does that look about right to you for an ETF investor?

Thanks,
Robert

Q: Can you please comment on the pros and cons of using a put write strategy to generate income, as these 2 funds do?

Thanks

Q: Morning, just wondering if there is a Canadian ETF which is focused on US industrial that you can recommend.

Thanks,
Harry