Investment Q&A

• iShares Core MSCI EAFE IMI Index ETF (XEF $45.00)
  • $45.00 P/E (TTM): 11.57X Cap: $14.73B
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• iShares Core MSCI EAFE IMI Index ETF (XEF.U $32.16)
  • $32.16 P/E (TTM): 11.57X Cap: $76M
  • View XEF.U Profile
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Q: Good morning.

I have a sizeable amount of US dollars in my TFSA and RRIF accounts and intend to add international investments with that money. I can either just purchase the XEF.u with the US money or go thru the Norbert Gambit process to convert to canadian dollars and then buy the XEF ETF. My question is which would you recommend and also buying XEF.u in my TFSA which I believe is a Canadian listed ETF would there be a 15% US withholding tax on the dividends.

Many thanks.

Upvote 3

Read Answer Asked by John on August 27, 2025

• Huntington Bancshares Incorporated (HBAN $15.90)
  • $15.90 P/E (TTM): 11.64X Cap: $23.19B
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• Citigroup Inc. (C $96.10)
  • $96.10 P/E (TTM): 13.89X Cap: $176.91B
  • View C Profile
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• Goldman Sachs Group Inc. (The) (GS $786.78)
  • $786.78 P/E (TTM): 16.85X Cap: $238.17B
  • View GS Profile
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• JPMorgan Chase & Co. (JPM $307.97)
  • $307.97 P/E (TTM): 15.43X Cap: $846.84B
  • View JPM Profile
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• KeyCorp (KEY $17.56)
  • $17.56 Cap: $19.25B
  • View KEY Profile
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• Morgan Stanley (MS $155.13)
  • $155.13 P/E (TTM): 17.18X Cap: $247.63B
  • View MS Profile
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• PNC Financial Services Group Inc. (The) (PNC $185.22)
  • $185.22 P/E (TTM): 12.59X Cap: $73.61B
  • View PNC Profile
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• Regions Financial Corporation (RF $24.56)
  • $24.56 P/E (TTM): 11.29X Cap: $22.56B
  • View RF Profile
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• iShares U.S. Regional Banks ETF (IAT $49.94)
  • $49.94 P/E (TTM): 11.65X Cap: $594M
  • View IAT Profile
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• Citizens Financial Group Inc. (CFG $50.25)
  • $50.25 P/E (TTM): 14.97X Cap: $21.24B
  • View CFG Profile
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• BMO Covered Call US Banks ETF (ZWK $24.35)
  • $24.35 P/E (TTM): 12.52X Cap: $311M
  • View ZWK Profile
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Q: With interest rates potentially going lower in the US I was wondering about your crystal ball thoughts on where this ETF might peak this cycle ? I bought in when it cratered a couple years ago.

Upvote 2

Read Answer Asked by STEVE on August 27, 2025

• CI Galaxy Ethereum ETF (ETHX.B $19.92)
  • $19.92 Cap: $732M
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• Fidelity Advantage Bitcoin ETF (FBTC $53.78)
  • $53.78 Cap: $1.58B
  • View FBTC Profile
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• Fidelity Advantage Ether ETF (FETH $74.55)
  • $74.55 Cap: $99M
  • View FETH Profile
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• ISHARES BITCOIN TR (IBIT $65.81)
  • $65.81 Cap: $93.26B
  • View IBIT Profile
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• Fidelity Wise Origin Bitcoin Fund Beneficial Interest (FBTC $101.05)
  • $101.05 Cap: $23.02B
  • View FBTC Profile
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• ISHARES ETHEREUM T (ETHA $32.18)
  • $32.18 Cap: $17.41B
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• Ishares Bitcoin ETF (IBIT)
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• 3iQ Solana Staking ETF (SOLQ $22.78)
  • $22.78 Cap: $289M
  • View SOLQ Profile
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• Purpose XRP ETF (XRPP $12.10)
  • $12.10 Cap: $88M
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Q: What are your preferred vehicles to hold crypto currency (bitcoin, ethereum, xrp) without holding the digital key personally? Please touch on risk levels, growth prospects. Deduct as many questions necessary.

Upvote 6

Read Answer Asked by Joel on August 27, 2025

• Global X S&P 500 Index Corporate Class ETF (HXS $94.53)
  • $94.53 Cap: $5.11B
  • View HXS Profile
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Q: If I was to hold the TSX listed HXS in a cash account and the value exceeded $100,000 would I be obligated to file a T1135. Thanks.

Upvote 3

Read Answer Asked by Anthony on August 27, 2025

• VanEck Vectors Video Gaming and eSports ETF (ESPO $116.59)
  • $116.59 P/E (TTM): 72.69X Cap: $489M
  • View ESPO Profile
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Q: Please provide your opinion regarding growth for this company in the next 3 years.

Upvote 1

Read Answer Asked by Terry on August 27, 2025

• VanEck Vectors Video Gaming and eSports ETF (ESPO $116.59)
  • $116.59 P/E (TTM): 72.69X Cap: $489M
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• Evolve E-Gaming Index ETF (HERO $47.64)
  • $47.64 P/E (TTM): 42.29X Cap: $19M
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Q: Please provide an opinion for this stock or your best choice for one similar.

Upvote 1

Read Answer Asked by Terry on August 26, 2025

• VanEck Vectors Gaming ETF (BJK $41.43)
  • $41.43 P/E (TTM): 26.57X Cap: $24M
  • View BJK Profile
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• Genius Sports Limited (GENI $11.57)
  • $11.57 Cap: $2.77B
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• Roundhill Sports Betting & iGaming ETF (BETZ $22.65)
  • $22.65 P/E (TTM): 54.53X Cap: $72M
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• Flutter Entertainment Plc (FLUT $249.73)
  • $249.73 Cap: $42.06B
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Q: What 2 Sports gaming companies and 2 ETF's do you recommend?

Upvote 4

Read Answer Asked by Terry on August 26, 2025

• NEOS Nasdaq 100 High Income ETF (QQQI $54.37)
  • $54.37 P/E (TTM): 33.79X Cap: $5.45B
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• NEOS S&P 500 High Income ETF (SPYI $52.15)
  • $52.15 P/E (TTM): 27.62X Cap: $5.62B
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• Simplify High Yield ETF (CDX $22.79)
  • $22.79 P/E (TTM): 1.81X Cap: $227M
  • View CDX Profile
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Q: I have a question about 111528 For our RIF/LIF accounts I am moving into more income ETFs and now hold CDX, SPYI, and QQQI. Could you give your assessment of each for income over long term. Are there better alternatives?
Thanks for all you do.

Upvote 4

Read Answer Asked by Gary on August 26, 2025

• Trez Capital Mortgage Investment Corporation Class A Shares (TZZ $0.16)
  • $0.16 P/E (TTM): 0.8X Cap: $1M
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Q: Trez Capital has suspended redemptions of it's funds. Do you have any insights as to why. Have they done this before. Is it a sign of anything to be worried about. (FYI) I almost invested in one of the funds but did not because of the many conditions attached. Are the funds a worthwhile investment?
Thanks

Upvote 2

Read Answer Asked by Reg on August 26, 2025

• Harvest Diversified High Income Shares ETF (HHIS $13.31)
  • $13.31 P/E (TTM): 41.21X Cap: $945M
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• Harvest Canadian High Income Shares ETF (HHIC $13.08)
  • $13.08 P/E (TTM): 19.61X Cap: $72M
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Q: How would you rank (HHIS, HHIC) on a scale of 1-10 for total return. Which account type would each be best suited for. Also what are the downside risk for each.

Thank you

Upvote 2

Read Answer Asked by Van on August 26, 2025

• Harvest Canadian High Income Shares ETF (HHIC $13.08)
  • $13.08 P/E (TTM): 19.61X Cap: $72M
  • View HHIC Profile
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Q: What are your thoughts on HHIC ETF for income and dividend growth.

Upvote 2

Read Answer Asked by Ric on August 26, 2025

• iShares Core Canadian Universe Bond Index ETF (XBB $28.50)
  • $28.50 Cap: $8.61B
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• iShares Core Canadian Long Term Bond Index ETF (XLB $18.98)
  • $18.98 Cap: $888M
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• iShares U.S. High Yield Bond Index ETF (CAD-Hedged) (XHY $16.66)
  • $16.66 Cap: $904M
  • View XHY Profile
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• PIMCO Active Bond ETF (BOND $93.61)
  • $93.61 P/E (TTM): 12.77X Cap: $6.07B
  • View BOND Profile
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Q: Good morning - With the market rising so nicely, it's timely for me to do some re-balancing. For fixed income, I have positions I xlb, xbb and XHY. What fixed income investments do you suggest these days. I could add to the above and/or to corporate bonds, if that makes sense. But, I am nervous about the prospects for Canadian companies as the Trump tariffs take their toll. What does your crystal ball reveal? Many thanks.

Upvote 4

Read Answer Asked by alex on August 26, 2025

Q: What is your opinion on the Hamilton day max ETFS. SDAY / CDAY. Pretty new for much data or performance history.
Who / when would an investor benefit from these compared to regular enhanced yield ETFs?

Upvote 1

Read Answer Asked by Kyle on August 26, 2025

• Vanguard FTSE Canadian High Dividend Yield Index ETF (VDY $57.46)
  • $57.46 P/E (TTM): 5.96X Cap: $4.79B
  • View VDY Profile
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• Vanguard S&P 500 ETF (VOO $609.61)
  • $609.61 P/E (TTM): 27.89X Cap: $693.23B
  • View VOO Profile
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• iShares Core S&P Mid-Cap ETF (IJH $64.49)
  • $64.49 P/E (TTM): 19.03X Cap: $98.74B
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• Vanguard Total International Stock (VXUS $73.27)
  • $73.27 Cap: $84.17B
  • View VXUS Profile
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Q: Which ETF do you feel compliments VOO the most? This would be for my RRSP. Also, I’m 15 years from retirement.

Your top 3 in order preferably?

US/CND/international/All world.. doesn’t matter.

Thank you

Upvote 8

Read Answer Asked by Nick on August 25, 2025

• Invesco Aerospace & Defense ETF (PPA $155.19)
  • $155.19 P/E (TTM): 17.45X Cap: $6.71B
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• iShares U.S. Aerospace & Defense ETF (ITA $209.12)
  • $209.12 P/E (TTM): 22.22X Cap: $11.96B
  • View ITA Profile
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• SPDR S&P Aerospace & Defense ETF (XAR $243.94)
  • $243.94 P/E (TTM): 5.83X Cap: $4.64B
  • View XAR Profile
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• iShares Global Industrials ETF (EXI $170.98)
  • $170.98 Cap: $1.03B
  • View EXI Profile
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• First Trust RBA American Industrial Renaissance ET (AIRR $96.40)
  • $96.40 P/E (TTM): 26.06X Cap: $5.69B
  • View AIRR Profile
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• Global X Defense Tech ETF (SHLD $68.28)
  • $68.28 P/E (TTM): 40.83X Cap: $5.18B
  • View SHLD Profile
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• Select STOXX Europe Aerospace & Defense ETF (EUAD $44.85)
  • $44.85 P/E (TTM): 179.88X Cap: $1.21B
  • View EUAD Profile
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Q: I'm looking for an industrial US or global ETF in USD. I searched and discovered the aforementioned ETFs, which include defense ETFs. Which one or two ETFs would you recommend for diversification, and why? What proportion of my portfolio should consist of defense/industrial ETFs?

Upvote 5

Read Answer Asked by Dev on August 25, 2025

• Hamilton Canadian Financials YIELD MAXIMIZER TM ETF (HMAX $15.21)
  • $15.21 P/E (TTM): 9.31X Cap: $1.67B
  • View HMAX Profile
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Q: HMAX ETF pays a dividend of 12%, payout ratio of over 200%, reduces the asset value by the overpayment and unit value is also increased. We would apreciate your comments on the prospects of this ETF and their trading history.

Thanks for your valuable insight.

Thomas

Upvote 7

Read Answer Asked by Thomas on August 25, 2025

• iShares Core Canadian Universe Bond Index ETF (XBB $28.50)
  • $28.50 Cap: $8.61B
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• PIMCO Active Bond ETF (BOND $93.61)
  • $93.61 P/E (TTM): 12.77X Cap: $6.07B
  • View BOND Profile
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Q: I do not have bonds in my portfolio but would like to add some balance to my well diversified stocks only portfolio. Interested in Canadian and possibly US bonds. What would you recommend to start considering..

Upvote 3

Read Answer Asked by dave on August 25, 2025

• BMO Canadian Dividend ETF (ZDV $25.82)
  • $25.82 Cap: $1.31B
  • View ZDV Profile
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• BMO Equal Weight Utilities Index ETF (ZUT $26.25)
  • $26.25 P/E (TTM): 17.76X Cap: $797M
  • View ZUT Profile
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• iShares Core MSCI Canadian Quality Dividend Index ETF (XDIV $34.48)
  • $34.48 P/E (TTM): 10.27X Cap: $3.08B
  • View XDIV Profile
  • View Questions on XDIV
• Hamilton Canadian Financials YIELD MAXIMIZER TM ETF (HMAX $15.21)
  • $15.21 P/E (TTM): 9.31X Cap: $1.67B
  • View HMAX Profile
  • View Questions on HMAX
• Hamilton Utilities YIELD MAXIMIZER TM ETF (UMAX $13.65)
  • $13.65 Cap: $937M
  • View UMAX Profile
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• Evolve Canadian Utilities Enhanced Yield Index Fund (UTES $9.53)
  • $9.53 P/E (TTM): 18.38X Cap: $184M
  • View UTES Profile
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Q: Hi,

I’m a real estate investor and I love monthly distributions—HMAX and UMAX felt a lot like collecting rent. However, after realizing a significant portion of their payouts is ROC, I’m exploring alternatives that offer high dividends, low ROC, DRIP eligibility, and potential capital appreciation.

My horizon is 20+ years. Could you suggest 2–3 ETF ideas in Financials and Utilities that fit this profile in the Canadian market ideally or global.

Thanks,

Upvote 3

Read Answer Asked by Richard on August 25, 2025

• Apple Inc. (AAPL $247.66)
  • $247.66 P/E (TTM): 37.22X Cap: $3.67T
  • View AAPL Profile
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• Amazon.com Inc. (AMZN $220.07)
  • $220.07 P/E (TTM): 32.98X Cap: $2.34T
  • View AMZN Profile
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• Broadcom Inc. (AVGO $356.70)
  • $356.70 P/E (TTM): 82.81X Cap: $1.68T
  • View AVGO Profile
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• Meta Platforms Inc. (META $715.70)
  • $715.70 P/E (TTM): 25.59X Cap: $1.79T
  • View META Profile
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• Microsoft Corporation (MSFT $514.05)
  • $514.05 P/E (TTM): 37.46X Cap: $3.82T
  • View MSFT Profile
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• NVIDIA Corporation (NVDA $188.32)
  • $188.32 P/E (TTM): 52.18X Cap: $4.57T
  • View NVDA Profile
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• INVESCO QQQ Trust (QQQ $602.01)
  • $602.01 P/E (TTM): 36.04X Cap: $386.70B
  • View QQQ Profile
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• Taiwan Semiconductor Manufacturing Company Ltd. (TSM $302.89)
  • $302.89 P/E (TTM): 38.1X Cap: $1.57T
  • View TSM Profile
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• iShares U.S. Tech Independence Focused ETF (IETC $102.86)
  • $102.86 P/E (TTM): 43.03X Cap: $941M
  • View IETC Profile
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• Roblox Corporation Class A (RBLX $128.24)
  • $128.24 Cap: $88.90B
  • View RBLX Profile
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Q: Hi Team,

What are your thoughts on Fidelity Global Innovators ETF (FNN-T)?
Would you consider it a buy at the moment?

Are there any similar funds in the same category or style that you would recommend instead?

Thanks very much for your insights,

Jacques IDS

Upvote 6

Read Answer Asked by Jacques on August 22, 2025

• Vanguard FTSE Canadian High Dividend Yield Index ETF (VDY $57.46)
  • $57.46 P/E (TTM): 5.96X Cap: $4.79B
  • View VDY Profile
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• Vanguard Dividend Appreciation FTF (VIG $215.41)
  • $215.41 P/E (TTM): 24.54X Cap: $93.48B
  • View VIG Profile
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• CI Canada Quality Dividend Growth Index ETF (DGRC $45.59)
  • $45.59 Cap: $746M
  • View DGRC Profile
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• Vanguard FTSE Developed ex North America High Dividend Yield Index ETF (VIDY $38.41)
  • $38.41 P/E (TTM): 7.01X Cap: $851M
  • View VIDY Profile
  • View Questions on VIDY

Q: I'm looking for an ETF that complements my VDY. In particular I'd like yield with some growth, and fairly defensive. I don't mind which is greater, yield or growth. I've spotted VIDY, and it looks good, and might complement my VDY in that it is similar but EX North America. I suppose the yield is not Div Tax Credit, so if there is a Canadian ETF that complements VDY, in the sense of holdings, I'd consider that too. But the Tax Credit is not essential, so a US complement (sold in Canada) might work also. So complementary to VDY in terms of geography or holdings would be good.

Upvote 4

Read Answer Asked by Gordon on August 22, 2025