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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: Which do you prefer to invest today: TLT or preferred stock ETFs. For preferred stock ETFs, could you suggest a few? Please explain the reason. Thank you.
Read Answer Asked by David on November 07, 2023
Q: hi,
looking through the 5i model income portfolio, these entities are all down in share price. for an investor looking for income and growth (both capital appreciation and dividend growth to keep up with inflation over long term ), are all these a buy today? any a sell? any others in the income portfolio you are more interested in today?
cheers, chris
Read Answer Asked by chris on September 18, 2023
Q: Income account needs some diversification. Was looking at REITs and pref's. In today's environment which would be your favored ETF's for income and some possible growth? Thanks Ron
Read Answer Asked by Ronald on August 22, 2023
Q: I listed in descending order securities that under performed since their 2022 highs. Please rank the securities in order of the best chance to recover their losses when we get back to the risk on mode. Thank you
Read Answer Asked by Richard on July 25, 2023
Q: Hi 5i Team,

I am looking to create a dividend portfolio of 15 positions yielding around 6%. My plan is to weigh these positions equally in a non-registered account. A good number of these equities are in your income portfolio but I just wanted to get your opinion if you would swap any of these out or add anything else?

Acadian Timber
Fiera Capital

Thanks in advance for your help!
Read Answer Asked by David on June 14, 2023
Q: I own prefered share ETFs in a diversified revenue/dividend RRSP portfolio.those ETF are at loss(10-20%) and at a lowest annual stock value.I did believe that those ETF would bring a least , a certain stability,wich is obviously not the case.I shall keep those ETF if there were a reasonnable probability of returning to previous values (+10%..),and sell them if more downtrend is expected.In this perspective,your impression as "hold","sell"(or eventually "buy" !)will be greatly appreciated.
Read Answer Asked by Jean-Yves on April 12, 2023
Q: hi, can you illustrate your investment thesis for both of these ETF's in the income portfolio. please specifically include what you believe to be the catalyst(s) for the share price to increase. CPD has a long track record of deteriorating share value (approximately half of share value at inception 2007 ) CVD less so ( down just under 20% from 2011 ). could you also compare the "yield" of both over the years, so we can see if the interest/payments have offset share price declines in a meaningful way. cheers, chris
Read Answer Asked by chris on February 23, 2023
Q: Hi,

Based on the questions pertaining to taxable dividends, and managing an income portfolio for my elderly parents, is there a substantial difference in tax treatment, if the above funds are held in a cash account? I was fortunate enough to get DIR.UN into a TFSA and am slowly moving AW into a TFSA as well. Do I take out the growthier names in the TFSA’s and move in the ETF’s or just let them go in a cash account?
Read Answer Asked by Kelly on February 06, 2023
Q: I am looking for ETFs that trade on the TSX with a yield of at least 4-5%. From the income portfolio, I see CPD (preferreds) / CVD (convertible) / XHY (US HY) / ZRE (REITs), and I am also aware of ZWU (Utilities) / ZWB (Banks).

Are there any others that don't have much overlap with the above that you would recommend?
Read Answer Asked by Alexander on January 31, 2023
Q: Hello Peter,
This question is relating to your holdings in your Income Model Portfolio. Are all the income declared from these investments qualify for dividends tax credits? Or are they treated as normal income like interest income from GICs and would be subject to our normal tax rate?

If it is taxed at our marginal rate, would you recommend holding these investments in a RRSP account?
Many thanks,
Read Answer Asked by Roger on December 13, 2022
Q: Hi Guys,

I want to add to my Preferred shares. I currently own ZPR.

Would you suggest adding to ZPR or add CPD as a new ETF for diversification. My main goal is income and safety of capital.

ZPR pays a 5.89% dividend ($.54) and CPD pays 5.45% ($.60). CPD's dividend seems to be a bit more volatile.

Thanks for the input.

Read Answer Asked by John on December 07, 2022
Q: hello 5i:
We hold the Pimco Monthly Income Fund as our sole Global Fixed Income contributor. We are not displeased with it, but wonder if you favour another ETF, or mutual fund, that could replace it, or complement it. We would probably expect at least a 4.5% distribution. Ideas?
Paul L
Read Answer Asked by Paul on November 28, 2022
Q: Hi Everyone at 5i!
I am a new retiree and hold these three ETFs as part of my income portfolio . They have all dropped in value , due to increased interest rates and the market in general. These are my really long term holds unless you foresee a problem with this idea.
Read Answer Asked by Tamara on October 27, 2022
Q: I am currently down on the following stocks and etf's and am considering buying more in order to average down. Are there any of the following that you would not purchase at this time?
Read Answer Asked by James on August 11, 2022