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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 will be simplifying my RRSP portfolio whereby it will be mainly comprised of ETF's that can give growth as well as income that i can use to draw on when RRSP are converted to RRIF.

Can you provide me ETF's / Index funds suggestions for:
S& P 500 index
Global large cap index ex USA
Dividend appreciation index ( large cap) for Canada and US

Thank you
Read Answer Asked by Mario on September 10, 2025
Q: I currently hold these 4 ETF's in a RRSP account. Is there any other ETF that you would add to this list?
Read Answer Asked on August 28, 2025
Q: I have a cash account with CDN stocks and CDRs. I am retired but will not need to dip into this account for at least 5 years. I am thinking of converting all the holdings into 5 or 6 etfs, all in CDN$, to reduce my time managing this account, while still holding the probability of a reasonable amount of growth.
I have not yet started the switch over but at the moment my list is : XIU and WXM for 30% Canadian; ZSP, XQQ and FCMO for 60% US; and VE for 10% other.
The usual questions about the overall strategy, alternative/better ETFs to hold, or other suggestions.
Thanks
Elliott
Read Answer Asked by Elliott on August 21, 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: My son currently has Meta (META), Nebius (NBIS), Amazon (AMZN), and EIF Corp (EIF) in his TFSA, plus an ETF (ZSP) for some diversity. It’s a small portfolio but he really wanted to hold some individual stocks and not just ETFs. Would you be comfortable adding Nvidia (NVDA) and Axon (AXON) at current prices? They are two of my favorite stocks in my non-registered account but I know the prices have really run up. Would you have any better suggestions? Thanks.
Read Answer Asked by Kim on August 07, 2025
Q: My son is 20 yrs old just opened a TFSA has $15K to invest for 10+yrs, Looking for high growth, Fairly risk tolerant, Can you please suggest how many and what Stocks/ETF's to invest in (US and/or Canadian) to get started? Thank you.
Read Answer Asked by Shane on July 31, 2025
Q: I am coming into a $50,000 gift from aging parents, and would like to invest for my 10 month old son’s education. I want long term growth until he needs the money (probably 18 years or so). Would you recommend 100% ZSP or some other ETF? Also, should I buy in one shot as soon as I have the money ?
Read Answer Asked by John on July 25, 2025
Q: Hi,

I set up an unregistered account for my wife several years ago with the following ETFS, with the thought that it would be relatively easy to maintain:

VGG
ZSP
ZCN
ZIU

In looking at it today, I'm wondering whether I have too much overlap. I can't remember what my logic was for these four ETFs! I should have written it down as my memory doesn't work so well anymore.

Does the above work ok? Or would you slim it back? And add VIU?

Thanks,
Robert
Read Answer Asked by Robert on July 24, 2025
Q: My daughter's portfolio consists of the above stocks (CSU, ENB ,IFC, ISRG, SIS, SHOP, WSP, ZSP). She likes to hold good stocks for along time. She Is comfortable with moderate risk and has a long runway for investment. She has money to invest and would like to add stocks which would improve the balance of her portfolio. Could you suggest a few stocks to help her achieve her goal. She is not adverse to owning 1 or 2 higher risk growth stocks. Thank you for your help.
Read Answer Asked by jacques on July 23, 2025
Q: I asked a question last week but it must have got lost. This is a follow up question regarding my question about if you could only hold 3 ETF's what would they be. You answered ZSP, XIC and ZNQ. Can you please explain the rational for owning both ZSP and ZNQ. Is there not a lot of overlap between the two? And if I were to hold only these # ETF's can you also explain why you wouldn't include another international exposure ETF? I believe ZNQ is currency hedged which usually means higher fees. Is there another option to ZNQ that isn't hedged with a lower MER?
Thank you for your service.
Read Answer Asked by Cheryl on July 22, 2025
Q: I am building a small non-registered portfolio to provide income with modest capital appreciation. Your thought on these 4 ETFs or other suggestion.
Read Answer Asked by Roy on July 21, 2025
Q: Hello 5i Team,
Looking to add more broad-based U.S. exposure to a non-registered account. With the recent strength of the Canadian loonie to the US dollar, would you recommend buying a Canadian-dollar traded ETF like ZSP, or converting Canadian funds to US dollars and investing in SPY (or something similar)?
Many thanks,
Brian
Read Answer Asked by Brian on July 14, 2025
Q: Good morning 5i,

With your vast experience with ETFs, im looking for 2 US ones?

1) market cap weighted ?

2) Equal weighted ?

thanking you in advance

SG
Read Answer Asked by Stephen on July 11, 2025
Q: I would like to help my 12 year old granddaughter with a RESP. Can you recommend a few choices?
Read Answer Asked by Denis on July 07, 2025
Q: If you were only to buy 3 ETF's and a couple of high convictions stocks. Which 3 ETF's would you pick. No fixed income please.
Read Answer Asked by Cheryl on July 04, 2025
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