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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: I have some cash parked in HSAV and noticed that, for the past month, the trading there follows the same pattern, the price is up during the morning and mid-day and then drops at the end of the day. As a result, the price remained practically the same for the past month and the difference between the NAV and price is now down to only 20c. I am wondering what's going on with this ETF? Looks like some investors are doing massive selling there, do they know something I don't? Is HSAV is still you preferred "cash parking" ETF for people in high-tax bracket?
Read Answer Asked by Helen on December 03, 2024
Q: CALF (81 %) has led IWO (50 %) and IJT (59 %) in 5-yr returns, yet has fallen behind the other 2 in 1-yr returns (about 11 % vs 30+ %). Can you please provide a reason for that and also comment on which might do better in the next few years? Thank you.
Read Answer Asked by D on December 02, 2024
Q: I'm planning on purchasing some additional US investments in my RRSP. I already own QQQ, which represents approximately 38% of my US holdings. I was planning on dividing the remaining 62% between SPY and VTI. I'm described as a growth investor with a 5-7 time horizon before possibly beginning withdrawals. May I get your thoughts on this division? Should I consider cutting back on QQQ to redistribute to the other two? The US represents 45% of my overall RRSP holdings.
Read Answer Asked by bernie on December 02, 2024
Q: Would you happen to know about a Canadian ETF that tracks the Canadian stock market minus gold, and another that does the same but minus all mining?
Read Answer Asked by Federico on December 02, 2024
Q: I have xhy.ca in my unregistered account and am down about 20%. Does it make sense to sell this and buy HPYT or HBND or are these totally different products?
Read Answer Asked by john on December 02, 2024
Q: good morning - I have done well adding to VOO over the past two years. I recently took a position in IWO, anticipating a broader economic increase. What do you think about pruning VOO and adding to IWO? Or adding to a different US ETF?

thanks
Read Answer Asked by alex on December 02, 2024
Q: Watching Bermans call. He suggests the midcap space in the US will flourish with Trump.
I have done quite well with VUN. What is your opinion re the large cap space vs the midcaps in the next 4 years.
Do you think this is so and with extra cash in my RRSP, would you just stick with the large cap ETF or go with the small cap ETF.

Which of the large cap ETF would you choose, VFV with a lower MER over VUN?
Is XMC your choice for the mid cap ETF?

Thanks
Jeff
Read Answer Asked by JEFF on December 02, 2024
Q: I am retired and live full time in Canada. I use Norbert’s Gambit to buy US stocks for my US account. The alternative is buying US stocks from my Canadian account and paying extra conversion fees coming and going.
Does this strategy make sense?
I use the Gambit for exchanging $20000 or more.
When purchasing a Canadian etf of US stocks what are the conversion fees charged typically; would they be the same or different than if an individual was buying each stock on his own
Thanks for your advice
Much appreciated
Read Answer Asked by Peter on December 02, 2024
Q: Out of these four, which one do you think would have the best return over a 3 to 5 year time period? Looking for something "safe" and steady.

Thanks
Read Answer Asked by David C. on December 02, 2024
Q: Hello 5i,

Could you please expand on an answer to V on the 20 stocks to purchase today if you were to start over? We are assuming that stocks/ETF’s are equal weight and the recommendation is considered a growth portfolio. If not, please elaborate. We were also surprised to see Prudential on the list.

If you were 70+ would you alter the list slightly?

If you were in your mid 30’s and 40’s now and have limited funds (30k-70k) would you recommend purchasing all the stocks/ETF’s equally and expand over time or are there specific stocks/ETF’s that would be considered a “starter pack”?

Thank you so much for your website and advice.

D&J
Read Answer Asked by Jerry on November 30, 2024
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