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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: Using above 2 for Canada and USA
Can you suggest ETF for Asia
Read Answer Asked by Pierre on February 27, 2026
Q: Grandson has $2000 to start investing with. Looking for up to 4 possible ETF’s for him realizing he has a long timeline growth would be preferred.
Thanks
Read Answer Asked by Dale on February 25, 2026
Q: Goodmorning

what are your top 2 EFT that follow the S&P 500 and what are your 2 top EFT that follow the TSX?
THKS
Marcel
Read Answer Asked by Marcel on February 24, 2026
Q: I'm moving away from 30 equities to and few ETFs. What do you think of a portfolio made up of SPY 30%, XIC 30%, VIU 20%, and VAB 20%? Or would you rather XEQT 80% and VAB 20%?
Read Answer Asked by Lyle on February 18, 2026
Q: I am considering gradually switching from an all equity portfolio to these six ETFs at the following percentages: XGRO 20%, VBAL 20%, ZSP 15%, SPY 15%, XIC 15%, and VIU 15%. I have been happy with my returns but am thinking more conservatively.
1. What do you think about this mix, are there any you'd suggest a replacement for?
2. What would your educated guess be for an annualized return over the next 10 years?
Read Answer Asked by Lyle on February 17, 2026
Q: I have around 35% cash to deploy in my TFSA, with a long term time frame in mind. I currently have positions in XIC (16%) and VFV (10%). Looking to add and diversify with another 2-3 ETF's. Could you list a few suggestions?
Read Answer Asked by Kolin on February 13, 2026
Q: This is a follow-up question regarding XIC/XIU. In your response you said that you preferred XIC over XIU because it is more diversified. This seems to be at odds with the portfolios outlined in the ETF publication where XIU is the preferred option. Somewhat confused. Could you provide some rationale please. Thanks
Read Answer Asked by John on February 13, 2026
Q: Have an RRSP currently holding 2 bank positions (BMO and NA) that represent 11% of the portfolio Also hold XIU and XIC that total 15 percent of the portfolio and CDZ that is roughly 10 % of the portfolio.
Thinking of adding BNS or selling the two banks and buying ZEB. Which is better option given the other ETF’s ?What percentage holding in the banks would be appropriate?
Also should portfolio hold both XIU and XIC or should they be combined into one of the two. And if so how does this affect the direct holding in the banks? Perhaps not needed at all? Would appreciate your comments.Thanks.
Read Answer Asked by John on February 11, 2026
Q: Hi Peter and 5i,
For someone starting out in an RRSP with $13K to start and then monthly contributions.
I'm looking at one of the following:
1. XAW ($10K) and XIC ($3k)
2. VEQT
3. Other suggestions from 5i.
4. Once it reaches >$50k then start adding individual stocks.
Thank you for your answer and other possible suggestions.
Read Answer Asked by Dennis on February 02, 2026
Q: Would have any concerns or recommendations for a retired senior with a employment pension. Having a total portfolio consisting of xuu.ca, xaw.ca and xic.ca?

Thanks
Read Answer Asked by Brian on January 29, 2026
Q: I have just started an RESP for my grandson and will be contributing the max $2500 per year. What would you recommend as my first stock purchases.
Thank you
Read Answer Asked by Marty on January 26, 2026
Q: I was planning on adding some or all of these to an RRSP and /or an RESP.
Any issues or better ideas. I am thinking ETF's and one or two blue chip.Thanks,Paul
Read Answer Asked by Paul on January 22, 2026
Q: I am a retired investor of 60 living comfortably off my pension. I have done very well with your advice over the years, but want to be a more passive investor.. I have read many of your answers regarding etf's. I am thinking of moving my investments towards etfs in the future. For US ZSP and VGG 40% XIC/VDY Canada 40% and International 20% VIDY. Thoughts on my choices and percentages. Any other suggestions? Thank you for your great service over the years. Also any thoughts or preference between BMO vs Vanguard. Thanks Stephen Deduct a few extra credits if needed.
Read Answer Asked by Stephen on January 12, 2026
Q: Hi,

I have $50,000 to invest in my TFSA for 2026.

Could you provide your top 5 ETFs to invest in for US/Canadian, Top 3 foreign ETFs. and Top 3 dividend ETFs.

Holding for approx. 10 years. Risk level Moderate to high.

I have an ETF in SMH that has 108% ROI in the last 2 years. Would you advice on putting more cash into SMH?

Thank you
Read Answer Asked by Don on January 06, 2026
Q: Hi Gang
What are your top 5 etf. At this time
Thanks Mike B
Read Answer Asked by Mike on December 23, 2025
Q: I would appreciate your guidance on investing available cash in my portfolio. I recently sold my NVIDIA holdings, and as a result, approximately 50% of my RRIF investments are currently in cash, and about 5% of my non-registered (open) investment accounts are also in cash. I currently hold VFV, VGRO and XIC in my open account along with approximately 20 equities. I do not currently hold any ETFs in my RRIF account. My objective is to fully invest this cash before the end of 2025. I would appreciate your recommendations on the following:
• Top five investment ideas (ETFs and equities) suitable for my RRIF account, and
• Top five investment ideas (ETFs and equities) suitable for my non-registered (open) account,
with the following parameters in mind:
• Investment horizon: 5 to 10 years
• Risk profile: Moderate
Thank you in advance for your assistance. I value your research and look forward to your recommendations. Best wishes to you and your team for the Holiday Season, and warm regards for a healthy and prosperous New Year.
Read Answer Asked by Don on December 22, 2025
Q: Everyone, if your portfolio was only ETFs how many would you have and what would they be? Clayton
Read Answer Asked by Clayton on December 03, 2025