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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: Rick Reider is managing BRTR a new income etf. Does it pay a dividend or does it operate as a total return instrument? Are there any income etf's trading in the US that instead of paying a dividend provide capital gains instead similar in result to the corporate class structure from Horizons? Lastly does Horizons have any US dollar income etf with a corporate class structure and if so would you recommend it? Thank you.
Read Answer Asked by Ken on December 18, 2023
Q: MoneySense recommended HXT as one of the best Canadian ETFs for years, but not in 2023. Is there any concerns that the government may crack down on Horizon's Total return funds that do not pay out any dividends?
Thanks!
Read Answer Asked by Grant on November 24, 2023
Q: Good morning - can you suggest some US S & P 500 ETF possibilities along with a recommended choice. Many thanks

al
Read Answer Asked by alex on November 06, 2023
Q: My plan is delay OAS, at the same time trying to not go overboard on dividend-payers in my taxable account to limit the clawback. I'm wondering if adding REITs instead tend to help that situation.

Generally speaking, is the payout from Canadian REITs such as GRT.UN and DIR.UN in a form that is beneficial in that regard? Is there a CAD ETF that invests in the U.S. that might also be a good idea?

I hope this doesn't come across as tax advice.
Read Answer Asked by James on October 21, 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
Q: For tax efficiency in a non registered account do you recommend HXS and HXQ over ZSP and ZNQ. For US dollars do you like HXS.U and HXQ.U.
For a long term hold what are your thought of HXT in this account?
Thanks
Read Answer Asked by Anna on September 13, 2023
Q: Good morning,

I'm looking at buying an ETF that tracks the S&P 500 for my TFSA account and am considering VFV.CA.

Withholding tax is a concern and given that VFV.CA holds US stocks, would there be a withholding tax on any of the dividends distributed and if so would you kindly recommend a few other similar ETFs that track the S&P 500 where the withholding tax is not a concern. Thank you.
Read Answer Asked by Francesco on August 16, 2023
Q: For tax reasons, I want to buy some ETFs or stocks in my unregistered account, that pay little or no dividends. Which of the Horizon's total return ETFs would you recommend at this time? HSAV seems to be really unstable and I am concerned it could be a money loser in the short term. I read in the G & M that the manager of Langsford Wealth Counsel in Oakville has been buying HXDM with better valuation than the US. Thanks!
Read Answer Asked by Grant on July 13, 2023
Q: Hello Folks:

We are seniors who would like to place 200,000 from a 1,300,00 investment account (all stocks) into a top rated Canadian based S&P 500 index fund. Another good alternative may be Berk. B. shares. Growth is more than income as they will reside in our TFSA accounts. I do understand Vanguard & Berk. B. good options, however have little practical knowledge; particularly with taxation issues.
You folks are truly amazing!!!!
brian
Read Answer Asked by Brian on June 09, 2023
Q: If held in a TFSA, I believe RSP would be exposed to an American withholding tax. If this is the case, can you recommend a Canadian based equivalen that wouild not?
Read Answer Asked by richard on January 05, 2023
Q: I am wondering what your thoughts are on annuities for a retiree, assuming no need to leave wealth on passing. Also assuming two scenarios: (1) putting all one's money in annuities, and (2) a small portion to ensure not ending up homeless while investing the rest in high risk growth stocks. Okay let's add a third one, a well balanced portfolio all in equities a little light though on dividends, with a floor protection of annuities. Talking about a straight life annuity, nothing fancy. Thank you.
Read Answer Asked by William on November 25, 2022
Q: I want to invest in the S&P 500 in my unregistered accounts with HXS. Are you comfortable holding this total return ETF? Are there any known government issues with total return ETFs - I recall the Fed Government challenged these in the past? In registered family accounts I plan to use VFV and/or ZSP - do you prefer one over the other? For safety, would it be a good idea to use both?
Thanks!
Read Answer Asked by Grant on November 15, 2022
Q: Hello,
I am trying to understand how Horizons S&P 500 Index ETF tracks the index. At the moment I'm typing this message, the S&P 500 sits at 0% daily change, SPY at -0.03% while HXS is at -1.09% and HXS-U is at -1.08%. Why do we see such significant deviation from the index in $3.5B ETF with very high trading volume and close spread between bid and ask? Thanks.
Read Answer Asked by Michael on July 13, 2022
Q: Seeking clarity on corporate class etfs. Does this structure exist using US dollars and does it exist in the US? Is there any other provider other than Horizons? Does the structure result in dividends being reinvested in the etf thus becoming taxable as a capital gain when the etf is sold and therefore not taxable as dividend income while the etf is held? So does this structure assist an investor who wishes to reduce income for tax purposes during the period the etf is held? THANKS
Read Answer Asked by Ken on June 06, 2022
Q: Dear 5i
The above noted ETFs are the ones i commonly use in my RRSP , TFSA and non registered accts .
CDZ and ZLB are used for CDN content and the rest for US content.
I believe there is probably some redundancy in these and was wondering which ETFs could be left out .
Which ETFs would you use for RRSPs , which for the TFSAs and which for the non-registered acct .?
Thanks
Bill C
Read Answer Asked by Bill on May 25, 2022
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