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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 a GIC coming out with an auto reinvestment rate of 3.75%. I would like to buy 5 stocks as well as 5 elf's or .......? that pay at least 5% and are reasonably safe with possible capital gains. This will a total of 10 investments of 10k each. I think that we can do much better than 3.75% and would appreciate your recommendations or suggestions! Thanks, James
Read Answer Asked by JAMES on October 08, 2024
Q: Please recommend a Canadian low volatility dividend etf
I am primarily interested in income with possibility of some growth
5-10 year horizon
Many thanks
Read Answer Asked by Peter on October 08, 2024
Q: Hi, I am wondering what percentage split one should have between long term bonds and short term t-bills on the cash side of their portfolio. I realize that it is somewhat an individual choice, but can you give me a ballpark kind of split. My investments are presently 70% equities, and 30% cash equivalents. Thanks
Read Answer Asked by Greg on October 07, 2024
Q: Hello 5i Team

Is there a comparable product to HSAV available on the Canadian Market?

I am looking for an "accumulating" type ETF to accumulate funds on a monthly basis for annual expenditures (i.e. rrsp contributions, tfsa contributions, income tax installments etc).

I currently hold HSAV for other purposes.

I cannot transfer funds from non-registered accounts into rrsp/tfsa monthly as I make the annual contribution(s) on Jan 01.

Ideally I would use money market mutual funds for this purpose, however RBC Direct Investing charges 1 % fee on MMF purchases (seems rather excessive for MMF).

Thanks
Read Answer Asked by Stephen on October 07, 2024
Q: It is my understanding that VFV's holding is VOO, which has some withholding tax implications. ZSP holds the individual stocks, so no withholding tax. Am I correct or has VFV changed. If I'm correct I believe ZSP is a better product for Canadians.
Read Answer Asked by Cheryl on October 07, 2024
Q: I currently own ZEB, ZUT AND ZDV for income. I'm considering to add one of either XEI or XDIV or sell my holdings and consolidate into one of either XEI or XDIV. Please advise whether adding or consolidating is better and which of XEI and XDIV is the better one. Please take as many credits as required.

Thanks 5i !! Ken
Read Answer Asked by Kenneth on October 07, 2024
Q: Hi 5i Team
What would be the tax implication of holding these two etf on non-register account? Are they both subject to the 15% witholding tax and if they are is it better to keep it in a USD account to avoid currency risk and better liquidity?
Read Answer Asked by Danny on October 07, 2024
Q: Greetings. Seeking a TSX traded in Cdn dollars ETF non-hedged that holds as a majority of its portfolio US equities the likes of AMZN AVGO MSFT PALO ALTO NETFLIX GOOG META NVDA or most of them and similars since wishing to sell a variety of these types of equities currently held as hedged CDRs in a registered account. Methinks the CDN dollar is destined for a fall at some point so wishing to remove CDR hedging. Please comment if this doesn't agree with your view aside from the difficulty in predicting currency moves. Thank you for any suggestions.
Read Answer Asked by Ken on October 06, 2024
Q: Hi 5i Team,

Based on the webinar that Chris presented it appears that the equal-weight S&P 500 has lagged compared to the market-weight S&P 500. Based on this I suspect you would recommend having some exposure to the equal-weight S&P 500? If so, what would be a good ETF that you would recommend or are there any individual stocks within the equal-weight S&P 500 that you think might have a bit more upside than the average?

Thanks as always,
Jon
Read Answer Asked by Jonathan on October 04, 2024
Q: What hedged in $CDN ETF would you recommend to replace TINF? Would you consider CIF or ZGI?
Read Answer Asked by Ron on October 03, 2024
Q: What are the chances that an individual stock picker outperforms a mix of VOO, VUG, and QQQ over the long term (20 years)? What factors could influence one's ability to do this?
Read Answer Asked by steve on October 03, 2024
Q: Good Monday Morning to all at 5i!

I have both of there ETFs and have had them for a while. They are both underwater and I was wondering about their future prospects since interest rates are falling. Do they have a chance of seeing an upside???

Cheers,

Tamara
Read Answer Asked by Tamara on October 02, 2024
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