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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: I’m a62 year old retired investor with an excellent DB Pension and I’m working on a supplemental cash flow with my TFSAs,I have held the above stocks for about 4 years all roughly 10-12K in value and have been set up as DRIPs
My question is could you recommend another 8-10 Cdn dividend stocks($ 100K of room) I would add to this account coming from another TFSA,these could possibly have 4-6 % capitol growth and 4-6% dividend yield and in 3 years I would go from a DRIP to monthly or quarterly cash payments,I am medium risk and the sectors would not matter ….Thanks Greg
Read Answer Asked by Greg on December 04, 2025
Q: For safety's sake, and some income, can you suggest some Utilities ETFs?
Read Answer Asked by James on November 19, 2025
Q: if one is looking to preserve capital but rely on dividends in a RRIF does it make sense to use the BMO covered call group for diversification and reduced volatility. I recognize the lag on upside. But it should also help in a down market? I would also be diversified in equities in my TFSA and cash accounts. Just trying to smooth the market out. Thoughts?

Thanks Dave
Read Answer Asked by Dave on November 18, 2025
Q: I noticed this yesterday nov 13th: ZUT -2,9% , XUT - 1,5% ,the equal weight ETF being the underperformer by far ( double) on that day . I know that the " equal weight" version is probably a better choice for longer term..What utilities ETF would you suggest on CDN market and ranking your best choices !
Read Answer Asked by Jean-Yves on November 17, 2025
Q: I am retired and looking for a covered call ETF for each sector. There are so many ETF can you please give me which ETF would you recommend are best to own for covered call CDN ETF for each sector.

Is there one covered call ETF that covers all the sectors.

Please deduct credit as necessary.

Thank you for your excellent service.
Read Answer Asked by Hector on November 12, 2025
Q: Hello!
Now that I’ve reached the age of RRIF withdrawals, I’m looking more closely at income and therefore at covered-call ETFs.
I understand that these instruments don’t fully share in the upsides, but the income of ETFs like EIT, TXF and ZWU is pretty solid.
I’ve also been looking at UMAX its unbelievable 14% yield, but I also see that the unit price has declined quite dramatically over the last few years.
So questions are, how do you feel about these ETFs for income? And if you’re okay with them, which would you recommend?
Thanks for all your help
Michael
Read Answer Asked by Michael on November 05, 2025
Q: Two part question:

What are the major differences between these two covered call utilities etf's? Wondering why/how UMAX has ~2X dividend yield?

Would it be possible to suggest equivalent covered call etf(s) for US market?

Thank you.
Read Answer Asked by Tony on October 16, 2025
Q: This is a follow-up to the Sept. 11th question where you mentioned other funds that are similar to this. Could you name a couple that you would recommend please? Thanks.
Read Answer Asked by Ann on October 03, 2025
Q: Do any of the utilities held in these ETF’s offer the same kind of energy power support for the mega computers running AI applications as something like VRT in the US?

If not are there any Canadian companies that do so and would be an attractive investment in this area?
Read Answer Asked by Donald on September 23, 2025
Q: Hello, would like to know for total returns of these ETFs (ZWC, ZWU, CNCC, HCAL, ZSP, VCN, VE, XGRO, VEQT, XBAL) which is your favorite in order for each and in which account type is each best suited for. Also please give me your number 1 top pick of all Canadian listed ETFs for each account type.

Thank you
Read Answer Asked by Kim on August 18, 2025
Q: Hi, what is your preference in order of these ETFs UMAX, ZWU, ZWC or is there other covered calls that you prefer. Please place in preference order. Also in which account type would each be best suited for including your picks.
Thank you
Read Answer Asked by Di on July 02, 2025
Q: I would be interested in your professional opinion on covered call ETF's within a non registered account for a duo objective of maintaining principal and generating an income. I have ample growth investments in registered accounts. One draw back I see from. this approach is the tracking of ACB for tax purposes etc, which you don't have in registered accounts, If you have 2-3 recommendations you feel comfortable with, that's appreciated.
Thanks
As a tag on to my recently submitted question about covered call, what is your opinion and recommendations within in an RRSP?
Read Answer Asked by Steven on June 30, 2025
Q: Non-resident tax, I'm considering to reduce my percentage of U.S. contents gradually, since nobody knows what to expect from donald...
Hopefully, this eventual new tariff policy wouldn't affect RSSP .
As you notice, some of the ETF posted are all U.S, companies in the case of XHY and NHYB, they both are mainly Bonds or gvt.Bonds,how tariff could affect the two.?

Thanks again to the team

Dan
Read Answer Asked by DANIEL on June 16, 2025
Q: I normally keep individual stocks to a limit of 5% of my portfolio in a registered account. However, with ZWC being an ETF, how high do you think I could go, given that it is diversified in many stocks?

What would be an attractive price to buy into ZWC?

If ZWU is also held in the same account, how high could you go for that ETF (as a percentage of the account)? And would that affect the amount of ZWC held in the same account?

Thank you.
Read Answer Asked by Cathy on June 06, 2025
Q: I have money to invest in a registered account and do not need the funds for at least 5-10 years. I was planning to buy a GIC, but the rates for 1 to 5 year terms are only in the 3% range. Instead, I am thinking of buying ZWU with a 7% return, realizing that there is no guarantee on the ETF price, but the rate of return is significantly higher than the GIC. My understanding is that the utitilies sector is quite stable and the price of this ETF does not tend to move much.

Do you see this as a good strategy to get a higher return with relatively low risk to the erosion of my investment value, given the long time frame?

Also, what would be an acceptable price to purchase ZWU?
Read Answer Asked by Cathy on June 04, 2025
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