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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: Utilities. They had a strong performance in 2025. I am hearing a number of investors beating the table for utilities again in 2026 especially utilities with a strong commitment to AI.

1. Do you agree with that thesis?

2. Which 3 utility stocks CAD or USD would you recommend buying now.
3. Is there an etf that has a major composition in AI oriented utilities?

Thank you.
Read Answer Asked by Donald on January 21, 2026
Q: Hi there,

Are you bullish on commodities going into 2026? If so, do you have any recommendations for ETFs in the commodity space?

Thank you!
Read Answer Asked by Michael on January 20, 2026
Q: They say that where there is turmoil, there is opportunity. We are certainly not short of turmoil these days. I am looking for an ETF that is 2 X bull defence sector. Any suggestions would be helpful - US or Candian.........thanks
Read Answer Asked by Lionel on January 19, 2026
Q: Good evening,


1) I feel that the materials sector will do well in 2026, do you agree?

2) If yes, which of the above etf's do you think would do the best given market conditions, their holdings, etc?

Do you have any individual stocks you would recommend in the materials sector that you think would outperform the etf's?

Thanks in advance for your thoughts.


Sheldon
Read Answer Asked by Sheldon on January 19, 2026
Q: What would be your top 3 choices if you were buying Canadian ETF’s that hold USA tech companies including those with an AI focus?
Read Answer Asked by Valter on January 18, 2026
Q: My daughter is starting her TFSA. I have suggested a couch potato strategy to start - can you recommend a good all in one ETF that rebalances and any suggestions for 1-2 buy and hold Canadian stocks if she wants to try that out too.
Read Answer Asked by Graham on January 18, 2026
Q: It's almost too good to be true. I have owned HMX for 2.5 months and have a 5.82% share price gain on top of the monthly paid12% (annual) dividend. I understand that the underlying sector - financials - has been on a hot roll. Let's assume that banks were suddenly flat. How would that impact the share price performance and their ability to sustain the lofty dividend? i.e. can this potentially be a long term hold or am I just riding a wave?

Secondly how do you feel about the two sister ETFs HDIV and UMAX?

Thank you
Read Answer Asked by Kim on January 18, 2026
Q: I have a very large position in the 5 big Canadian Banks. How can I hedge my position in the event of a decline this year (and longer). Thanks.
Read Answer Asked by Murray on January 18, 2026
Q: Hello 5I team, Currently have an account at Wealth Simple. Considering investing in there Classic portfolio which is a managed holding and I would pay a .35% fee.These funds would be to increase my equity % as suggested by analytics. I would possibly choose the aggressive portfolio.Can not find any performance data. Can you comment and if you could provide a possible better option.Thanks Larry
Read Answer Asked by Larry on January 17, 2026
Q: Would like to get some guidance. I have ~$250K cash in a LIRA and would like to invest it in an ETF. I would like some guidance in terms of which ETF I should invest in. Should I invest in VFV or VOO?

In the long run, which one is a better investment choice for a Canadian, considering foreign exchange rates, MER, fund performance and dividend withholding taxes?

Based on my research a LIRA is exempt from the US withholding tax, similar to a RRSP.

Also, aside from the factors above that I’m considering, from your perspective are there any other pertinent factors that I’m missing?
Read Answer Asked by Sal on January 17, 2026
Q: There are Covered Call ETFs with mighty high yields: HPYT 18%; SMAX 10%; HMAX 10%; and HDIV 9%. These yiieds are so high that I feel there must be a downside, so my question is, what are my risks in using these ETFs as part of my income portfolio?
Thank you.
Read Answer Asked by Dennis on January 17, 2026
Q: I'm cleaning up my investment portfolio. looking for a global (balanced) ETF 3yr window.
Thx for the great service!
Read Answer Asked by LARRY on January 17, 2026
Q: I am a value dividend investor with some growth at 80 years with a 5 to ten year outlook. I am low on real esate with only ZRE.to which is doing well for me. Should I just add to this or would you please suggest another option that has a good dividend with a little growth. I do not have any material so please suggest two material stocks or ETF's with, again, a good dividend with a little growth. Thank you.
Read Answer Asked by STANLEY on January 17, 2026
Q: Hi there - I've been researching into using a laddered GIC for my fixed income portion of my asset allocation. I stumbled upon target date bond etfs which look to share some similarities to a GIC in terms of fixed maturity date. My potential plan would be to have a ladder target date bond ETF instead of a ladder GIC. What would be your thoughts on this and what would the risks be? Additionally, there seem to be many etf providers who are creating these types of products. Which would be your recommended etfs to create such a ladder, maturing in 2026, 27, 28 etc.

Thank you!
Read Answer Asked by Michael on January 17, 2026
Q: This ETF seems too good to be true,roughly 17.5% yield,up about 8.5% since inception from July of last year and if that’s not enough it pays an 18 cent distribution twice a month.
.85 % MER seems high but I guess that’s for the 25% leverage and zero day to expiry(whatever that means) I suspect.If this is like most covered call ETFs it would have limited upside would it also possibly more defensive in a correction,your thoughts on this income ETF …Thanks
Read Answer Asked by Greg on January 16, 2026
Q: Are there any listed international ETF like QQQ.us and XIT. Canadian ?
Read Answer Asked by David on January 15, 2026
Q: What is your opinion of these 2 mutual funds. I have held for years but wondering if there is a better ETF to move the funds into or just keep theses two funds. They are held in a RRSP. Thanks
Read Answer Asked by Greg on January 15, 2026
Q: Any suggestions for a technology EFT that covers United States, Canada and Global
Read Answer Asked by David on January 15, 2026
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