Investment Q&A

Q: Folks i'm assisting my daughter in deciding how to allocate some cash in the market around $50K. This is new to her so she is as expected very conservative at the moment but wants to garner better income than a savings account. Thses funds are in a TFSA. I was thinking maybe suggesting 30% in SPLT, 30% in CBIL, and the rest in ZLB,XEI/XIU. Wondering what your suggestion might be.

Q: Good afternoon - the recent runup in equities has me looking to re-balance and add more bond exposure. I currently have positions in XLB, XBB and HYG. Can you suggest bond positions ( likely ETF's) in Canada and the US, please? Just add to the existing Canadian positions? What about HYG? Time to move?

Many thanks

al

Q: You prefer unhedged ETF so would ZNQ be a better choice than XQQ? This is for a RESP?

Thanks

Q: I have sold the above two companies, half of BYD and all of ATS. The purpse was to raise cash and put it into a high interest Canadian dollar savings ETF to wait out the first part of the Trump presidential version Nu. two.

Do you have an ETF that you recommend or maybe another suggestion?

Q: Should I hedge my EAFE ETFs considering that their holdings are from multiple countries? I am considering either XEF or ZDM? they seem pretty much the same except one hedges to CAD and one does not.

Q: What are your recommended non-Canadian equity ETFs?
Do you prefer US only ETFs, or worldwide non-Canadian ETFs, for a long term hold?
Is it more likely that US equities will outperform non-US, such as Europe and Japan, or is it too hard to tell?

Q: Awhile back I asked a question about the Horizon etf's , which pay in capital gains, rather than dividends. You were good enough to supply me with HXS and HXT. The HXS is the S&P 500. But, it is bought in Canadian dollars. I didn't mention it but I was looking for one that could be bought and sold in US dollars. Is there something from Horizon that can do that? Or, from another company?
thanks for the great service

Q: Is there an ETF in CAD { unhedged } that you would recommend that follows the Russel 2000?

Thanks

Q: What ETF would you consider as a proxy to BCE with the goal of getting a somewhat higher payment of either dividend or interest, within an RRSP.

Thank you

Paul

Q: I just noticed that XUU is an ETF of ETFs. Does increase the possible problems with ETFs, such as tracking errors, fees, and liquidity? Does it add further issues? Also, what are the taxation implications?

Thank you once again.

Q: My tech holdings consist of CSU, KSX, TOI, QQQ, XIT, & TEC. What other equites would you advise looking at so I am covered in all things tech related including AI, Cyber and Semi-conductors? My preference in this order is 1} ETF 2 } Mutual fund 3} Individual stocks.

Thank you

Paul

Q: Is there a safe easy way to buy these coins in Canada? what about the USA? Is it better to buy them in the US than Canada?

Other than losing money are there any other risks to look out for?

Q: In regards to 5iis respective portfolio recommendations for members - are ETFs what 5i prefers to equal the international geography allocation ?

Q: Which one do you like more for a 3-year hold?

Q: Can I have your thoughts about this ETF for a 3-year hold please?

Thanks

Q: Looking to diversify into more international equities. Trump is not fond of China, Russia is currently uninvestable (no ETFs). Are there certain countries/regions you think look good fundamentally and would likely have a good relationship with Trump? Please name a few international ETFs which you think could perform well over the next 5 years.

Q: I want to invest in Uranium ETF. I came across 4 ETF. URNM, NLR, URA and NUKZ. Which one do you recommend or do you recommend another ETF.

Thanks for the great service.

Q: What do you think of Europe and specifically of ZWP? It's been trading within the same range since March and while the yield of 6.75% is nice, it has very high MER of 1.7% and barely moves with the market. The ETF is in my RRSP. Would you replace it with something else or wait patiently for Europe's recovery?

Q: This is a follow up question to my prior question about ETF safety.

You stated “Bond funds had three very bad years. When rates moved higher, nearly every bond fund declined. In a steep market correction, few equity funds would be immune to decline as well.”

Are you saying that the money lost by XSB and XLB cannot be recovered even if rates go back to the very low rates they were at before? And this is due to a sudden market change, which caused more people to want to sell than buy these ETFs, as opposed to the fund reflecting the underlying status of their respective bond market?

In other words, are you saying that these ETFs do not accurately reflect what they’re supposed to due to inherent problems with ETFs in general? And these issues could occur in any, including large and broad, ETFs given enough market instability?

Or, are you saying this is what occurred in the short term, but the price will correct over time, so if you hold on, eventually you will not loose money more than the underlying assets?

Sorry for the long question, but I found your answer a little concerning and wanted to be specific. I hope you understand what I mean.

Q: CBIL holds Canadian treasury bills and TDB2913 is a money market mutual fund. It looks to me CBIL is safer with basically the same yield am I missing anything? Thanks