Investment Q&A

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

Q: Good afternoon,
I have a full position in ITA, would a switch to XLI which has 22% Aerospace & Defense be wise at this juncture for the added diversification while still having defense stock exposure or do you see defense outperforming?

Q: I’m trying to understand the risk I’m up against with investments in CASH and UCSH.U. Both have significant holdings in Scotiabank and National Bank investments. My portfolio percentage positions in these two is quite significant.

- Do you have options for better diversification of my cash holdings?

- In the event of “something going off the rails”, what impact does this have on an investor of these two investments like me in the event of a bail-in of either Scotiabank or National Bank because of these holdings within the two ETF's?

Q: As a general rule do most bond funds have a set philosophy about duration or do they simply employ funds based on what they think makes sense at that particular time?

Thank you

Q: I have very little faith in the go forward value of the Canadian dollar versus the US dollar.Whats are good equity ways to access exposure in a broad sense to the US$?

Q: Would u consider the the fundstrat etfs such as GRNY new? and DQML a buy
Are they hi risk
Can u give the performance and fees ?
Ty

Q: I’m thinking of selling all of my equities and buying market index ETFs instead.

I am wondering what are the risks of ETFs. I am aware of the risks inherent with investing in them with regards to NAV, diversification, etc.

What about the risks of the company that manages the ETF defaulting?

What about the risk of a run on the ETF where everybody wants to take out their money at the same time?

In the past, I invested in XSB and XLB in place of bonds. I must say it’s been rather a disaster since Covid. They reduced in value more than Bonds did during Covid. They were not recovering as bonds did when interest rates were increased. Nor were their interest rates as high as bonds were.

I have concerns that market index ETFs may have similar risks. Can you comment on these?

Thank you.

Q: What are your thoughts on BITCOIN. What is best way to play it or is there one.? I do not understand the future of Bitcoin Who uses it ? Do countries use it, do Corporations use it. Do Banks use it ? What is benefit of using it,

I know criminals use it extortion payments Trump and Harris were backing it. Was this because 80,000,000 U S Residents use it so they were both saying Yes to get their vote ?

RAK

Q: I have enough US cash to fund 5 -6 years of planned withdrawals. The rest of the Portfolio is equity that I will hold for the noted term.
Looking for an ETF that will pay out monthly to cash flow the payout. Your suggestions ? Should I convert to Canadian dollars at the outset and invest in Canadian ?

Q: I would appreciate you explain in clear and vulgar words in what consists exactly this etf, its interaction with the nvda stock and in which circumstances it could be envisaged to buy some parts.

I thank you very much in advance

Q: Can you share your top picks for Canadian and US ETF's that would cover the relevant sectors (e.g. tech, industrials etc.)? Please take as many credits to answer this as required.

Q: My daughter has a, no work, portfolio of these three ETFs and has averaged 24% for the past two and a half years. I have done only slightly better with my DIY portfolio - mainly thanks to you. With Trump gaining the White House would it be better to load up on VFV rather than XIC. Currently it is VFV 40&, XIC 40%, QQQ 20%.

Q: Hi Peter,
If one believes the Canadian dollar is going to be weak against the US$ for the next few years, when one buy US index ETFs like S&P 500 listed on the TSE, is it better to get the hedged or unhedged version and the reasoning behind.
Thanks.