skip to content
  1. Home
  2. >
  3. Investment Q&A
You can view 3 more answers this month. Sign up for a free trial for unlimited access.

Investment Q&A

Not investment advice or solicitation to buy/sell securities. Do your own due diligence and/or consult an advisor.

Q: Hey 5i team!

RESP 10-15 yr hold.
Current HXQ, ZSP, XIT, XIC. ZRE.
BAM.A, CAE, BPY.UN.
ETF's are core holdings in that order been riding the recovery. BAM looking longterm. BPY.UN AND CAE are recovery plays. Bonds not needed until later on. Intl and emerging is looking to be terrible for a year or so. Possibly adding IWO.

What would be your major changes and or additions to this grouping? What would you recommend? With a shorter timeframe then some we need some solid and secure growth plays.

Thank you. Looking forward to your reply.

Read Answer Asked by John on June 25, 2020
Q: In my RESP I currently only own VGRO and now have some money to add a 2nd ETF, which ETF would be best suited with VGRO ?
Thanks
Read Answer Asked on June 23, 2020
Q: My Daughter and Son in law have some funds in savings and want to start investing, for a couple starting out with over 100k what percentage and what etfs would you suggest, when I started I was XIC 30% , XSP 40%, VEE 5% and XBB 25%. That was a long time ago and Im sure things have changed.
Read Answer Asked by Peter on June 22, 2020
Q: I have $40,000 US to invest for 5 -10 years. With half of that amount I would like to buy about four equity-based ETFs for capital appreciation. Some I have read about include QQQ , BBH, and VGT. Are these good choices? Please add other recommendations.
For the other half, I would like more income based ETFs with a sensible degree of risk, such as VIG. Please add other recommendations.
I am not interested in Canadian based ETFs but International based ETFs would be alright.
I do no previous experience with ETFs.
Read Answer Asked by George on June 16, 2020
Q: Hi

In my RRSP would it be wise to replace VGG, ZDY, and ZWH with ITOT.

Looking for lower fees and growth.

Thank you

Mike
Read Answer Asked by Mike on June 04, 2020
Q: If one was to buy some of the out of favour trends as mentioned in this article, what are some of the US and CAD ETFs that you recommend?

Many thanks!
https://www.albertbridgecapital.com/post/bubblicious
Read Answer Asked by Hua on June 01, 2020
Q: I am working on setting up an RESP for my Granddaughter. We have about 10 years to grow the RESP before changing it to a more conservative approach. Looking for 3 to 5 solid Canadian ETF's - one of them being the best to track the S&P 500. What 3 to 5 ETF's would you recommend for growth and diversity? I would like to keep dividends in Canadian dollars to avoid withholding taxes. Thank you, Patrick
Read Answer Asked by Patrick on May 12, 2020
Q: Thank you for answering my question yesterday. You guys are the best. If you could choose 5 ETF's for a 40,000 RESP for a 8 and 10 year to hold and continual buy for the next number of years - which are they?
I appreciate it,
Brent
Read Answer Asked by Brent on April 30, 2020
Q: Hope everyone is doing okay at 5i.
I am looking to build a new RESP portfolio for my young granddaughters (ages 3 and 7). I would like to build it with a mix of equities plus a few ETF's to help balance and diversify. Thinking of 10 holdings of equities and ETF's. I would really appreciate your recommendations for a mix of equities and ETF's for this RESP.
Thank you,
PD
Read Answer Asked by Patrick on April 28, 2020
Q: In the crash, the S&P SmallCap 600 and MidCap 400 have declined more than the larger-cap S&P 500. I am going to begin putting some money in the market and was thinking of going heavily in small and mid cap. With an otherwise diversified portfolio, do you see any big problem with this strategy. I believe they will pounce more than large caps and i will sell and rebalance later. Which etf',s would you consider a good match for this strategy?
Thanks
Read Answer Asked by joseph on April 07, 2020
Q: Hi,

Could I get your opinion on 2 investment paths contemplating at moment for equity portion of portfolio?

At moment my equity exposure is passively invested in IWO, VGG, VIU, VEE. I am trying to decide if I should sell off this passive postion, in part or entirety, and invest in individual beaten up securities, for example a number from your recent reports for North American exposure.

The objective would be to have a higher return 2-3 years out from this market. Not really concerned with volatility.

Thanks
Read Answer Asked by John on March 23, 2020
Q: Hi 5i,
I am not 100% clear on stock and ETF's allocations for investment plans. Take as many points as needed to answer the questions below. I apologize in advance for the length of the question.

As a Canadian investing through a Canadian site (RBC in this case), split into CDN and US sections (moved CDN funds to USD and paid the exchange), which stocks and ETF's should be allocated to RRSP (CDN or US sections), TFSA, & Non-Registered accounts?

As an example, an RBC RRSP account is split into CAD and USD segments. If I purchase VWO in USD on the US segment instead of VEE on the CDN segment do I retain the 15% withholding tax? If I purchase VWO in CDN funds on the CDN side of the RRSP, what happens to the 15% withholding tax?

Is there a tax difference when filing a CRA 1135 form. e.g if VWO or VEE are 100+k CDN value: VWO on the USD segment or VEE on the CDN segment or VWO on the CDN segment.

If a US stock has a dividend, should this ever be purchased on the CDN side of the RRSP or in a TFSA? .. e.g. CRM with a small dividend or AMGN with a larger dividend

Can you please assign the best allocations (RRSP, TFSA, Non-Registered) to examples a the bottom of the question.
e.g. Non-dividend Growth US stocks (Googl, AMZN): TFSA, RRSP
This tells me that AMZN is best in the TFSA for growth, and in an RRSP purchased in CDN or US funds is the same effect other than currency at the time of purchase.
If a stock or ETF should be in CDN or US sections can you note that as well? e.g. RRSP(CDN or US).
It is a lot to ask so limited examples below will hopefully reduce the effort.

5i recommendations
Non-dividend Growth US stocks (e.g. Googl, AMZN):
US small Dividend Growth (e.g. IWO):
US Foreign ETF (e.g. VWO):
CDN ETF with US stocks and other int'l stocks (e.g. VEE):
CDN High Dividend (e.g. CDN Utilities/Reits/ETF's):
US High Dividend (e.g. US Utilities/Reits/Medical/ETF's)
All World ETF (VT):
All World ETF (XAW):

I very much appreciate your service and time to answer questions.

Jerry
Read Answer Asked by Jerry on March 16, 2020
Q: Hi 5i team,
Looking at the broad US market index (apart from NASDAQ), which will be your top two index ETFs that will most likely provide the strongest gain and the quickest bounce when the market turns around? And why? Prefer Canadian listed ETFs if available.
Thanks.
Read Answer Asked by Willie on March 12, 2020
Looking for more? Sign up for a FREE 14 day trial! No credit card required

We invite you to sign up for a 14 day free trial of 5i Research!
Experience all the benefits and tools we have to offer; stock research, model portfolios, Q&A with our experts, and so much more. Join a community of like-minded investors today!