Investment Q&A

Q: Hi Ryan and Peter,
My question is of a general nature and concerns a problem many seniors are having with portfolio construction. I'm 70 years old, have a defined benefit pension which, along with my wife's defined plan, covers our monthly commitments. We are underinvested in the fixed income part of our portfolio but because of the lack of returns on bonds and GIC'S, are hesitant to commit a large portion of our savings to this sector.
As with many seniors who have their monthly expenses covered by pensions, we need guidance as to what percentage of our funds should be in fixed income. What percentage do you think is appropriate and could you suggest a few specific investments.
If you believe, as I do, we would be better off investing in Canadian Blue Chip companies that offer relatively safe growing dividends, could you suggest several such companies.

Thank you in advance for your much appreciated guidance.

Q: What do you think about replacing a combination of VGH and ZQQ with a single holding in ZUQ--you gotta love the sound of "high quality". thanks Gary

Q: In addition to 19 specific U.S equities in my portfolio, I would appreciate your opinion on the following which I also own, including comments on any apparent duplication, and suggested additions.
BBH; FEZ; 1WO; SCTY; KRE; XLK; XLF. Thank You.

Q: Can I hold VUN in my TFSA without tax implications or do I need to hold it in my non registered account?

Q: Could you suggest a Canadian dollar hedged US high dividend, covered call ETF or combination of ETFs to replace ZWH. Thanks.

Q: Hi- which CDN $ non hedged European equity ETF's would you recommend and what are there total expense rations and yields. Would you recommend buying before or after the Brexit vote?
Thanks.

Q: Is it time to add to XBM (global Base Metals Index ETF)?
Thank you

Q: I've been considering a 3-ETF portfolio composed of the following.
35% CDZ
45% ZWH
25% ZWE
Comments please.

Q: I am looking to invest about $200K (non registered) for a minimum of 5 years into a moderate growth couch potato type portfolio. I am 5 years from retirement. I am considering the following portfolio and would like to know if you would agree with these ETFs and distribution.
XIC or VCN 25%, VUN 25%, XEF 20%, XEC 5%, VAB 15%, CBO 10%

Q: Do CDZ and HXT etfs together constitute reasonable Canadian equity diversification, or are there serious overlaps or omissions? Thank you

Q: Hello i asked an earlier questin about an etf for the u.s. Market and you replied with vun. I didn't specify, however that i was looking for an unhedged version. Would the corresponding unhedged version be VTI? I sent a version of this question in earlier but i fear it has got lost. Thanks for the great information!

Q: Hi Folks
With jitters in Europe regarding Brexit, would this be a good time to initiate a position in ZWE. Yield is close to 8%. How secure do you consider the dividend?
Thanks again
Guy R.

Q: Is the etf VE okay in my cash savings (taxable) account? There is no more room in my TFSA.
Based on my research, the inception date for FEZ is Oct 15, 2002. The inception date for VE is June 30, 2014. Loblaws became buyable on the stock market January 18, 1956. What is the similar date for GUD? From, Patti.

Q: If Brexit happens, I suspect ETFs like FEZ and EZU will take quite a hit (they already are). If that happens do you think these 2 would be good to pick up at bargain rates? Are there other ones you would prefer?

thanks,
Paul

Q: This is a follow up to your responses on these Bond funds (XSB CBO). Which would you prefer, and why? CBOs market value seems to erode over time versus XSB. Is this a concern?

Q: Your thoughts about ETF : BXF ( 1-5 y Ladder Gov Strip Bond)
Is it worth it to add in a portfolio instead or with CBO ?
Thank you.
P.

Q: I have some cash parked to build a house and am wondering if I should keep this as cash or invest these in bonds to get some interest. If the latter, what do you think of 50% in XSB and 50% in XGB?

Q: I have some US $ sitting in my RRSP account which I am looking to invest. Preservation of capital is important and I am looking into this preferred share etf. Your thoughts please.

Q: I have made some good gains on XCS(24%) and XIC (10.5%) from the market runup from January. Thanks to your article about small caps stocks from last year. Now I am wondering if I should take the gains, wait for a sell off and buy in again. With most of my stocks I never time the market and its all buy and hold but with XCS and perhaps XIC I am considering taking profits. Or mayble I should just take profits from XCS..Note that the holdings are in a registerd account so tax is not an issue. Your opinion is most valued. cheers, Shyam

Q: Your opinion for this stock is appreciated.Thanks.Ebrahim