Investment Q&A

Q: Are there any foreign tax implications holding this in Margin/TFSA/RRIF account(s)?

Q: Hello, can you please confirm these 2 ETF would not be subject to Withholding Tax? Also, can you please recommend 2 diversified stock ETF for exposure outside Canada which would not be subject to Withholding Tax, with decent dividend and buy and forget type of security. Thank you.

Q: What would be the best Consumer Cyclical ETF in Canada & the USA to buy?

Thank you.

Q: Can you describe the growth potential of TER and whether you feel current prices are sustainable or I should wait for a pull back?

For other robotics and automation stocks and broader ETFs what would your suggestions be ? I am currently in ROBO how does it compare to the others?

Lastly, do you feel robotics and automation is one use case of AI where there is a strong business model right now? I can’t see why this sector will not increase exponentially

Q: According to Portfolio Analytics I need to increase my weightings in Healthcare and Real Estate.Please suggest,for a conservative investor,a Canadian stock or ETF for each.
Thank you

Q: Which high yield fund do you prefer between FFN and HMAX?

Q: Can you comment on these etfs from a likely return point of view

Q: I have $ 60000 to invest in my tfsa. I am retired. What 3 etfs would effectively give me a good somewhat conservative diversity especially for these chaotic times. Stability and income would be my main focus

Q: Would a combination two funds, XLV (70%) HHL (30%) be an adequate combination to cover the health care sector while enhancing returns?

Thanks in advance.

Q: I have a fairly large chunk of US cash invested in a 'High-Interest Savings Account' which earns 3.15% interest. The interest has not kept up with the loss in value of the US dollar. Can you suggest a similar kind of investment based on Euros or Swiss Francs which can be purchased through TD Direct? Or do you have a better low-risk idea for this money? (I am pessimistic about both the USD and CAD keeping their value against other currencies.)

Q: What would be the best way to invest in Canadian materials at this time?

Thanks as always.
David

Q: BROOKFIELD GLOBAL INFRASTRUCTURE ETF (TOLZ]

Your opinion, buy, maybe, no?

Thank you.

Q: Hello,
Can you please recommend 2 USD ETF equivalent to XHY? I would prefer to buy in USD for currency diversification. Thank you.

Q: In response to a question from Pat, you suggested a 10% to 12% weighting in the oil/gas sector instead of the 16.44% in the TSX. If I didn't want to buy individual companies for oil/gas, what ETF/ETFs would you suggest to make up the 10% to 12%? If more than one ETF, what percentage would you have in each?

Q: TOLZ or TOLL WHICH TO BUY?

TOLL looks better.

An ETF better than TOLL?

Thank you.

Q: Given that the market is broadening out and that I would like my portfolio to follow suit, I am thinking of switching half of my money in XUU, a market-cap weighted fund which makes up about 10% of my portfolio, to EQL, an S&P equal-weighted fund.

What would your opinion be on that?

Also, along the same line of thought, I'm considering trimming NVDIA and GOOG although the mere mention of it has my investing friends screaming "NO!". They understand the sentiment but think it's not the right time.

Q: Is WIP a worthwhile choice for inflation protection, income and diversification for a retired investor with an otherwise CMR (20%), preferred stock (FITBI 12%) and pipeline-heavy (10%) portfolio?

Q: Hi 5i, I own BUG (not in your database) since about its low in 2023 . In 2025, it has underperformed ETFs like CIBR, HACK. IHAK did not do very well either.

First question: Why the discrepancies between these ETFs performance, BUG in particular? Some bad holdings?

Second question: Is it worth to have this kind of niche ETFs if we have broader ETFs like QQQ?

Third question: I could Sell BUG for a small profit, or Hold for a bit hoping a better price, or switch to a more expensive ETF (my last choice). Your pick?

Have a good weekend.

Q: My financials consist of JPM purchased during the Covid crash for a 3.5% position { currently risen to 11.82% } which I'm considering reducing and IFC a 2.91 % position which I am considering eliminating as it has been on a slow steady slide .... So I am considering adding a bank ETF . The question is where ? Canada , the U.S., or Europe ..... The candidates are three enhanced yield covered call ETF's ..... EBNK, HMAX, and FMAX ..... Could 5i give me the annualized return { including dividends } for each for the last three years { I realize FMAX has only been around for 2 years } ? .... And also which of the three locations 5i believes is the best place to put finance investments going forward ? { and why ? } using these 3 ETF's as the options available ? ..... { This will all be inside a RRIF } ...... Thanks for your terrific service ......

Q: What are your ideas about these 2 ETF's ?