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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: In my RRSP I would like to take a long term, very low maintenance approach. For this reason I have it all in index funds. I have a 30 plus year time horizon. Which funds would you recommend here? I currently have $60,000 invested in VFV, VUN, VGRO and XAW. Looking to front load these with $2000/ mo for the next 3 years and then stop contributing as I will be "semi-retiring." I'm 29 for context
Read Answer Asked by Danielle on May 11, 2021
Q: Can you suggest a few good ETF’s which should form the basis of one’s portfolio.

Also please suggest ETF’s for specific applications like..... high risk/ growth, dividend, US equities, Canadian equities, dividend stocks, tech stocks, emerging markets ..... and your choice of basket of ETF’s which a person could use to build a portfolio ( with % allocations)
Read Answer Asked by HARRY on May 10, 2021
Q: Hi gang, have $200,000.00 canadian to invest for 2-3 years. Just want to invest 50-50 Canada-USA. Would like to be as safe as possible. Some stocks and some ETF. If possible dividend paying one. Thanks
Alnoor.
Read Answer Asked by Alnoor on April 28, 2021
Q: Is there a set/portfolio of ETFs you would recommend for a medium risk investor to ”set and forget” forever? What % allocation would you attribute to each? Timeframe would be for 25+ years.
Read Answer Asked by Mike on April 21, 2021
Q: Hi,

I'm a medium risk investor with a 5 year time frame.

Can you recommend 3 US ETFS to cover the whole US Market?
And 3 to cover the whole CDN market?
and 1 ETF to cover the international market?
Read Answer Asked by Graeme on March 30, 2021
Q: I have recently transferred my RSP as cash to a LIRA account in another institution. This is a substantial number waiting for investing. In less than 2 years I will need to start transferring to RIF.
I have a few questions
1. What is a period of time you recommend to spread the purchasing of investments.
2. In the meantime, I would like to park cash buying a short-term ETF. Should I get one such an ETF or more to reduce the risk? Which ETF or RTFs would you recommend: ZCS, XSB, VSB, or other?
3. I am looking to have a 50/50 mixture of growth and income. Can you list several stocks, bonds, ETF etc. you would recommend to purchase at this time?

I appreciate your recommendation.
Casimir
Read Answer Asked by Kazimierz on March 15, 2021
Q: As a follow-up to my question last week on interest rates up/down, please also advise which funds/ETFs perform best when interest rates move in either direction.

Thanks again.
Read Answer Asked by Arthur on March 08, 2021
Q: These 2 funds look quite attractive, comments, can you suggest anything else?
Read Answer Asked by Pat on March 02, 2021
Q: Hi guys!

Can you please recommend some alternatives/additionas to XTR? I'm looking for high dividend with also an (as high as possible) degree of diversification. Essentially, a couple choice income picks if I were to only choose 1-3 ETF for an entire dividend-based portfolio. This is in relation to my previous question where I was looking to do something relatively safe with ~60k over 2-3 yrs. Thanks!
Read Answer Asked by Andrew on January 18, 2021
Q: Hey guys, i'm looking for a recommendation for a TFSA, around 30K, that I would like to see moderate growth (5-10%) with a 2-4 % dividend yield, CDN equities, no real time horizon, just better than sitting in a checking account.
My initial thought was a couple banks (BNS and TD) + 1-2 utilities ( recommendations?) + a CDN dividend paying ETF ( once again, recommendation ?)

I realize you can not personalize advice but a list that I can consider would be helpful.

Thanks
Paul
Read Answer Asked by PAUL on January 13, 2021
Q: Hi 5i Team
I would like to invest in a Canadian ETF that follows one of the Canadian Indexes. I am retired and looking for some yield (3%) and returns that an index would give me. Any good suggestions.
Kevin
Read Answer Asked by Kevin on January 07, 2021
Q: Whats are your thoughts on the following sets of ETFs ?

Set -1

iShares Core S&P U.S. Total Market Index ETF (XUU)
Vanguard High Dividend Yield ETF (VYM)
Invesco QQQ (QQQ)

set-2

XEC, XEF, XIC, VUN
Read Answer Asked by Kapil on December 29, 2020
Q: Can you please recommend a couple of ETFs for an RESP with a six year time frame? Thank you!
Read Answer Asked by Susan on December 28, 2020
Q: Hi,
I hold ETFs (VRE XEC XEF XIC VUN) in my TFSA and RRSP. follwoing questions
1) Are there tax considerations /US-dividend withholding for any one of those?
2) Also, any specific considerations to use TFSA vs RRSP to invest in these ETFs? for example VUN should be used in RRSP.
3) are they good ETFs to investing in long term (8 to 12 years) for growth and income?

Thanks..
Read Answer Asked by Kapil on December 17, 2020
Q: Hi, if I hold ZDV, VDY or XIC in a TFSA are there any tax implications whatsoever. Do I need to keep track of ACB? Thanks.
Read Answer Asked by Gary on November 17, 2020
Q: I am helping my niece set up with ETF. She is holding the below funds right now. Can you please advise their fees and which ETF would you suggest replacing them with? Is there a site where you can check the mutual fund fees and performance?

PH&N LifeTime 2045 Fund
RBC Canadian Equity Fund
RBC Balanced Fund
BLK Balanced Index
Capital Global Equity
BLK US Equity Index

Thanks for your help
Hector
Read Answer Asked by Hector on November 12, 2020
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