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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: Conservative investor, given where markets are trading....and Trump. Seeking a 4+% yield with reasonable safety of principle in mind. In a 50/50 fund, what percentage of fixed income would you place in ZLC. Might a better approach be to just raise the total equity allocation instead by adding some US holdings, like ZWH for example? I realize you don't know all my details, just looking for a general comparison. Fantastic service, thanks.
Read Answer Asked by Curtis on February 10, 2026
Q: Early last year we invested 25% of our cash into the listed ETF's. We have another 50% of our cash in GIC's and 25% in an assortment of stocks. As you know they pay good dividends and we experienced good capitol gains growth on some of them last year, others were up marginally. We are looking at these as long term holds for income and would just like your thoughts on our choices. Would you recommend a different mix of ETF's.
Thanks Ron
Read Answer Asked by Ron on January 26, 2026
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: 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 am an 80 year old income investor with some growth. I have $20,000 to employ. The above is a list of my losers out of 50 winners in a portfolio of mostly the Income Portfolio plus 15 yield maximizer ETF's like UMAX. Should I:
1. wait for your monthly advice before acting
2. distribute evenly accross the losers
3. add to the winners
Any other suggestions would be appreciated.
Please take as many credits as needed.
Thank you
Read Answer Asked by STANLEY on March 17, 2025
Q: Good Morning

I would like to increase my US position in my RRSP. I currently cover this US exposure through VBAL(core position) VFV approx 4.5%, Legacy positions of ZLU and ZWH approx, 3%, totaling approx. 31% US. My thoughts were to replace ZLU/ZWH and increase VFV and add EQL to gain broader exposure to US market. Would this give me a good exposure without over duplication? I am retired and 65 and would like a balanced plus approach. Your thoughts or other ideas would be appreciated.

Thank you,
Mike
Read Answer Asked by Mike on January 24, 2025
Q: Best of the Season to all at 5i,

Please advise your most well thought of covered call ETFs. Leveraged and unleveraged.

Thanks very much.



Read Answer Asked by Dave on January 03, 2025
Q: Good Morning,

Please advise your top 5 covered call ETFs with associated yields, brief descriptions and a degree of growth potential.

Thanks very much.
Read Answer Asked by Dave on September 16, 2024
Q: hello 5i:
I'm looking for an ETF with attributes similar to ZWH, but with more an international flavour, so not purely a US focus. Suggestions?
thanks
Paul L
Read Answer Asked by Paul on July 23, 2024
Q: Looking for an ETF that you feel would be a good candidate for growth plus a fairly high dividend (5% or more).
Thank you for your good service, looking forward to your answer.
Earl
Read Answer Asked by Earl on July 10, 2024
Q: Just opened a new TFSA. Looking for advice on how to invest the 15K. I am retired and would like a yield of 7% or higher while at the same time protecting the capital (I do hold PSA in my RRSP account and it offers ~5% limited risk return ... so if I can't get at least 7% from something else then why bother). I'm thinking an ETF might be the best route for diversification. I want to avoid ETF's with high ROC,"higher" risk, etc. Not adverse to covered calls. Any words of wisdom for me ?
Read Answer Asked by Randy on June 10, 2024
Q: Retiring income investor. Do you have a preference between ZWH and HYLD? HYLD has a significantly higher yield but not sure if I'm missing something as far as risk/stability or fees. Also, would you have a concern holding both VFV for growth as well as HYLD for income?
Read Answer Asked by Samir on April 01, 2024
Q: All different holdings, but what would be your order of preference (based on expected total return) with the next 12 months in mind. Thanks as always, great service.
Read Answer Asked by Curtis on March 06, 2024
Q: I have this covered call ETF in my LIF account for income and am wanting to switch to a non covered call US dividend ETF can you give a recommendation? Thanks
Keith
Read Answer Asked by Keith on February 16, 2024
Q: Hello, just wanted your updated opinion on HLIF to generate income. I would also appreciate another choice of covered call ETF with more history and with which you would be comfortable for maximum income without undue risk. Thanks.
Read Answer Asked by Martin on June 08, 2023
Q: TXF Vs EIT.UN. Which would you prefer for overall total performance ( appreciation and dividend) over a holding period of 3-5 years. Or if any other preferences. Thanks
Read Answer Asked by RUPINDER on May 07, 2023
Q: Hi, is there a cdn etf equivalent to jepi, schd and divo?
Read Answer Asked by pietro on December 29, 2022
Q: I have the above ETF,s in my TFSA in roughly equal weights along with a number of stocks. Is there sugnifcat any over lap here? Where would add first or all equaly? I know your not a fan of covered call ETSs. Any suggested changes or additions?
Read Answer Asked by Henry on November 23, 2022
Q: As STIP and TIP have ceased to pay their previously excellent distributions, I have been looking for alternatives with similar distribution, diversification and volatility characteristics. XHY seems a valid choice; however, can you comment/provide alternatives? Thanks.
Read Answer Asked by David on November 23, 2022
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