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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: Hamilton ETFs recently launched a new ETF - HFIN. I currently own the ishares XFN which is similar, but much larger in size and unleveraged. For a long-term hold, do you think it would be a good switch, or would you leave it as is? (It is held in an RRSP account, so taxes are irrelevant).

Read Answer Asked by Craig on February 03, 2022

Q: Hello Peter,
For an RESP today and future contributions with focus on Canada and USA, I was thinking of allocating more monies to indexes such as xic and xsp and less to sectors such as xfn or zeb , and xit. What are your thoughts? Also, i noticed that xsp has not done as well as SPY. i am assuming it is do to currency. In an RESP, I would think xsp on toronto and SPY on NYSE, both have withholding taxes.. Please comment. Thank you

Read Answer Asked by umedali on January 20, 2022

Q: Hello Peter,
With rising rates, it seems that banks, commodities and industrials do well. Can you please suggest some etfs in Canada that would take advantage of those sectors? For the banks, i am thinking xfn and zeb but unsure of the others. Also, the US banks are taking small hits. Do you think canadian banks will follow suit or are they very different? Thanks very much.

Read Answer Asked by umedali on January 19, 2022

Q: I currently have exposure to CEW, which has an MER of 0.61% and a monthly distribution yield of 3.03%. Are there any alternatives to CEW that have a lower expense ratio and higher yield?

Read Answer Asked by Shobhit on January 14, 2022

Q: Hi Team,
Could you suggest Canadian ETFs of the following sectors for Senior incomes :
1 /Reit 2/ Utility 3/Prefer 4/Bank/Financial 5/Energy.
Please deduct as many question credit as needed.
Thanks as always,
Tak

Read Answer Asked by Tak on October 12, 2021

Q: Is this ETF a safe way to invest in the banking sector in a RRIF account for income and some growth and do you believe the strategy used by this ETF can outperform other ETF such as ZWB or ZEB. Can you suggest a couple of alternatives ETF that are more appropriate for a RRIF or do you feel it is better to just own the individual banks.

Read Answer Asked by Joseph on August 04, 2021

Q: Hi group see question below unfortunately you did not answer the question completely re your favorite way to pay financials (banks , credit cards SQ, Pypl IPAY etc Thanks

is there an Etf that covers both Canadian + Us banks /financials. Thanks PS favorite way to play Financials in the present environment?. Thanks for your guidance

Read Answer Asked by Terence on January 18, 2021

Q: In your portfolio analytics, you used to have A list of suggested etfs for each sector. I cannot find this list anymore. Has it been removed? Could you please provide a list of recommended etfs for each sector. Thank you

Read Answer Asked by satish on May 15, 2020

Q: My son approached me on some advice on investing. He is just starting off. My inclination is to suggest to him to stick to ETFs. Ideally a mix of CDN, US, Bond and International oriented ETFs . I have my preferences, but would like to know what you would suggest? I am guessing he is looking at a year window to start.

Read Answer Asked by Dino on April 28, 2020

Q: Hi 5i team,
I want to buy ETFs for my RRSP to capture the eventual market recovery. I'm thinking of the utilities and banks sectors. I understand that 'covered call' ETFs are not ideal to capture market gain in an upswing. Which ETF would you recommend for Canadian utilities industry? And which one for Canadian banks? Thanks.

Read Answer Asked by Willie on March 16, 2020

Q: Please accept my apologies for what could be a request for a long-winded answer. You welcome to debit my 5i bankroll for 5 question credits in effort to better compensate you for your time.
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If possible, please provide your opinion on something I wish to term "Peak Credit" in Canada. We are all aware that Canadians are spending themselves into a life-long love affair with mortgages, lines of credit and credit cards. With Canadian interest rates at 35 year lows, the availability of loans and credit climb while region-specific real estate prices inflate to valuations that seem to defy logic. Young families in their 30's commonly have mortgage debt over $500k and barely earn the income to cover payments at today's rates.

In general, what is the mix of insured/un-insured mortgage debt on the books of Canadian banks? If wages are not keeping pace with inflation and the cost of living, how are Canadians ever going to own their own home? Are we doomed to a life of the English, where the concept of home ownership is more of a dream than it is a reality?

Do you feel banks in Canada are prepared for higher rates in the next 3yrs?

Is Canada showing the early signs of a credit bubble?

Do bank common stock investors have anything for fear?

Am I a coyote howling at the credit moon?


Thank you for your guidance. This topic should be on the minds of many Canadians.

Read Answer Asked by malcolm on March 08, 2017

Q: I have a lot of bank stocks that I have been accumulated with the dividend
reinvestment plan over the last 30 years. I do not want to sell them because it would trigger a large capital gain, besides it is adding up to a lot of dividends, with I will use in my retirement. Yes, Yes I know that I am overweight in that sector. I want to protect myself on a down turn, and don't pike the puts , because the premiums are so high.I was thinking about the huv etf, I don't fully understand it, is there "time decay" as there is with leveraged etfs.Do you think that this product will suite my goals, and or do you have any other idea's that would protect me on the downside?

thank-you and have a nice day

Read Answer Asked by auftar on April 18, 2016