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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: Morning
Which etf would you recommend for US exposure and why. Please rate them from 1-4
Also thoughts on XEQT for all round exposure
Thank you
Read Answer Asked by Michael on April 09, 2024
Q: Dear 5i
I`m sure i`ve asked this question before but i cannot find your answer to this question .
Do you have to include ETF's that are Canadian listed that hold US stocks such as HXS and ZSP as part of my foreign reporting re foreign assets on my taxes ?
Also i have 3 ETF's that apparently have Trust or Partnership income (ZLB,CDZ,ZSP ). I have not received this notification before from my brokerage firm so i'm assuming this is a relatively new structuring of these particular ETF's . That said , is trust and partnership income taxed more or less than other forms of income ? Are you taxed on this income derived from capital gains , dividend or interest income ?
Bill C
Read Answer Asked by Bill on March 04, 2024
Q: There are a number of Canadian based NASDAQ100 and S&P500 ETF's. Which NASDAQ100 and S&P500 ETF would you prefer, or would be "best", for a TFSA account, and why? Would investing within an RRSP or in a non-registered account alter your selections and if so, why would that be? Thanks.
Read Answer Asked by Bruce on February 09, 2024
Q: Good morning,

I am looking for the best ETF to hold in my TFSA account that follows the S&P 500 index along with the reasons for your particular preference?

I understand that since HXS does have any distributions, there is no withholding tax to be concerned with which is an advantage. On the other hand, due to the distinct tax efficient structure of HXS, the MER on the HXS is higher than VFV and other similar ETFs that track the same index.

Given that both ETFs track the same index is there a clear winner for a TFSA account?

Thank you and I'll await your sage advice.
Read Answer Asked by Francesco on February 01, 2024
Q: Hi Guys

It seems during the last year that the Mag7 have really had their time in the sun. I am wondering if there might be some rotation out of these names. Wondering where you thought the best returns would be over the next few years in a S&P 500 type ETF:

1) XSP - iShares Core S&P 500 Index ETF
2) An Equal Weight S&P 500 Index like Invesco S&P 500 Equal Weight Index ETF, 3) or or something like the Vanguard Dividend Appreciation ETF.

What ETF would you think would do the best


Read Answer Asked by Stuart on January 29, 2024
Q: I read somewhere that if you had just maxed out your TFSA contribution each year with an S&P 500 ETF, such as ZSP, then you would have well over $200K in your account by now.

Is there a website where you can input a security on a given date, and it will show you the value of that security today as if you had bought it on that given date?

Read Answer Asked by Robert on January 23, 2024
Q: Good morning,

I own a substantial amount of MAW 108 in my Non Registered, TFSA and RRSP accounts.

After reviewing the numerous questions relating to VFV ETF and closely examining the annual performance of MAW 108 over the last 15 years, it is clear to me that VFV ETF has performed much better on the whole over a long period and that VFV or HXS would have been a better choice .

Given that there would be substantial capital gains tax incurred by replacing MAW 108 with VFV ETF or HXS ETF in my Non Registered account and therefore not an appealing option, what are your thoughts on:

Q1. Replacing MAW 108 with VFV or HXS in my TFSA and RRSP accounts;

Q2. Are there any withholding tax considerations in holding VFV or HXS in my TFSA and RRSP accounts?

Q3, Is VFV your preferred recommendation over HXS ETF, ZSP ETF, XUS ETF for holdings in a TFSA and RRSP account?

Thank you and I will await your usual sage and valuable advice.
Read Answer Asked by Francesco on January 17, 2024
Q: Hello, I am helping my 25 year old daughter put together a sleep at night portfolio. She is not a hands on or active investor.

She has about $ 100K and of these selections which ones would you suggest? And, what else would you recommend?
in Addition to Canada, I want US exposure with ZSP, especially with the potential growth of AI.
Read Answer Asked by Carlo on January 16, 2024
Q: I am looking to add exposure to the US market in my TFSA. I currently own ZSP and ZNQ and would like to add an ETF listed on the Cdn exchange that would balance my exposure to the Mag 7. I have seen you recommend EQL which I am considering however is there another ETF that would broaden my exposure beyond the S&P 500. Perhaps to include some mid and small cap stocks?
Also would you expect that mid and small caps will outperform given where we are in the market cycle?
Read Answer Asked by Bruce on January 16, 2024
Q: Good morning - can you suggest some US S & P 500 ETF possibilities along with a recommended choice. Many thanks

Read Answer Asked by alex on November 06, 2023
Q: I don't have any ETF's and I would like to have one of Canadian stocks and one for US stocks. What do you think of the above etf's or could you suggest another one for each of the markets.
Thank you Dorothy
Read Answer Asked by Dorothy on October 24, 2023
Q: Regarding your very quick response to my question yesterday where you stated "Capital gains are treated the same as Canadian gains, but must be converted to C$ for tax purposes." ZSP is a Canadian listed equity in Canadian dollars so I assume that I will not need to make any conversion when taking a capital gain? If I alternatively buy HXS (or HXQ) will capital gains be treated as Canadian only?
Thank you.
Read Answer Asked by Dennis on October 17, 2023