Investment Q&A

• Constellation Software Inc. (CSU $2,651.50)
  • $2,651.50 P/E (TTM): 79.49X Cap: $55.12B
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• Celestica Inc. (CLS $549.77)
  • $549.77 P/E (TTM): 55.58X Cap: $63.20B
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• Shopify Inc. Class A Subordinate Voting Shares (SHOP $180.62)
  • $180.62 P/E (TTM): 143.37X Cap: $235.54B
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• iShares S&P/TSX Composite High Dividend Index ETF (XEI $36.65)
  • $36.65 P/E (TTM): 13.77X Cap: $3.68B
  • View XEI Profile
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• iShares S&P/TSX Capped Information Technology Index ETF (XIT $73.92)
  • $73.92 P/E (TTM): 54.87X Cap: $768M
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• Aritzia Inc. Subordinate Voting Shares (ATZ $139.82)
  • $139.82 Cap: $16.13B
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• iShares Core MSCI Canadian Quality Dividend Index ETF (XDIV $40.40)
  • $40.40 P/E (TTM): 11.93X Cap: $4.74B
  • View XDIV Profile
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• TD Global Technology Leaders Index ETF (TEC $55.02)
  • $55.02 P/E (TTM): 31.1X Cap: $3.57B
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• Brookfield Corporation Class A Limited Voting Shares (BN $63.20)
  • $63.20 P/E (TTM): 84.95X Cap: $141.38B
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Q: Hello, the question is for listings only on the TSX

1: For a TFSA what would be your top 5 stocks to buy in order right now.

2: For a TFSA what would be your top 2 ETFs for growth and top 2 ETFs for dividends.

3: For a RRSP what would be your top 2 ETFs for growth and top 2 ETFs for dividends.

Thank you

Upvote 47

Read Answer Asked by Ed on April 07, 2026

• BMO Global Infrastructure Index ETF (ZGI $56.51)
  • $56.51 P/E (TTM): 11.32X Cap: $475M
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• iShares Canadian Growth Index ETF (XCG $68.18)
  • $68.18 P/E (TTM): 29.94X Cap: $160M
  • View XCG Profile
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• iShares S&P/TSX Composite High Dividend Index ETF (XEI $36.65)
  • $36.65 P/E (TTM): 13.77X Cap: $3.68B
  • View XEI Profile
  • View Questions on XEI
• Vanguard S&P 500 Index ETF (VFV $173.05)
  • $173.05 P/E (TTM): 26.01X Cap: $30.05B
  • View VFV Profile
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• BMO Growth ETF (ZGRO.T $13.48)
  • $13.48 P/E (TTM): 3.03X Cap: $78M
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Q: I am retired and have a TFSA holding 100% equities with no contribution room. My wife is going to open a new TFSA with 10K initial contribution and $400.00 monthly contribution. I am considering starting with and adding to ZGRO.T ,ZGI, ZIA, XEI, VFV. Your thoughts of this move.
Thanks
Roy

Upvote 8

Read Answer Asked by Roy on February 24, 2026

• BMO Covered Call Canadian Banks ETF (ZWB $27.21)
  • $27.21 P/E (TTM): 13.13X
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• iShares S&P/TSX Composite High Dividend Index ETF (XEI $36.65)
  • $36.65 P/E (TTM): 13.77X Cap: $3.68B
  • View XEI Profile
  • View Questions on XEI
• iShares S&P/TSX Capped Energy Index ETF (XEG $25.33)
  • $25.33 P/E (TTM): 12.58X Cap: $2.37B
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• BMO Canadian High Dividend Covered Call ETF (ZWC $21.68)
  • $21.68 P/E (TTM): 0.53X Cap: $2.19B
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Q: I was given the above five ETFs from a friend to consider adding to my portfolio. I assume the criteria of ranking the ETFs are the same as stocks, so I would like your recommendation on how you would rank these five. Also which ones amongst them five are the ones that you would strongly recommend that I should/"must" own.

Thank you.

Upvote 3

Read Answer Asked by Victor on February 17, 2026

• iShares Canadian Financial Monthly Income ETF (FIE $10.36)
  • $10.36 P/E (TTM): 13.37X Cap: $1.31B
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• iShares S&P/TSX Composite High Dividend Index ETF (XEI $36.65)
  • $36.65 P/E (TTM): 13.77X Cap: $3.68B
  • View XEI Profile
  • View Questions on XEI

Q: Hi gang, 66 year old dividend investor here. I own both FIE @ 6.57% of my portfolio and XEI @ 5.1%. The big difference I see is that FIE holds 18.99% Canadian preferred and 9.1% Cdn Corp bonds. FIE also has a much higher MER at .74% vice .22% for XEI. Both hold all the big banks. Both have dividends roughly the same and pay monthly. I'm up considerably with both.
I'm wondering if I should sell XEI and dump into FIE. Would it be worth it to save the .22% MER on XEI and not pay the MER on both. Or should I just carry on with both. Thanks for your thoughts, Bill.

Upvote 3

Read Answer Asked by William on February 05, 2026

• BMO Covered Call Utilities ETF (ZWU $11.66)
  • $11.66 P/E (TTM): 16.4X Cap: $2.08B
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• iShares S&P/TSX Composite High Dividend Index ETF (XEI $36.65)
  • $36.65 P/E (TTM): 13.77X Cap: $3.68B
  • View XEI Profile
  • View Questions on XEI
• Harvest Utilities Leaders Income ETF (HUTL $19.61)
  • $19.61 P/E (TTM): 14.98X Cap: $502M
  • View HUTL Profile
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• iShares Core 40/60 Moderate Allocation ETF (AOM $48.87)
  • $48.87 P/E (TTM): 20.05X Cap: $1.72B
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• BMO Monthly Income ETF (ZMI.U $10.48)
  • $10.48 P/E (TTM): 1.99X Cap: $29M
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• iShares Core 60/40 Balanced Allocation ETF (AOR $67.45)
  • $67.45 P/E (TTM): 9.75X Cap: $3.46B
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Q: I am wanting to sell most of our equity exposure in spouse's RSP and my RRIF (a lot of equity exposure in TFSAs and cash accts). Looking at various fixed income/less risky options. Have perused your past income questions. For various reasons I like HUTL, ZWU and XEI for CAD, and ZMI.U for USD. Would prefer another one or two USD options. Could I get your assessment of the options I have indicated, and if you folks have other options (particularly for USD) I would welcome those. TIA.

Upvote 4

Read Answer Asked by Bob on January 23, 2026

• iShares Canadian Select Dividend Index ETF (XDV $42.92)
  • $42.92 P/E (TTM): 12.96X Cap: $2.34B
  • View XDV Profile
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• iShares S&P/TSX Composite High Dividend Index ETF (XEI $36.65)
  • $36.65 P/E (TTM): 13.77X Cap: $3.68B
  • View XEI Profile
  • View Questions on XEI
• iShares S&P/TSX Canadian Dividend Aristocrats Index ETF (CDZ $43.33)
  • $43.33 P/E (TTM): 16.81X Cap: $1.15B
  • View CDZ Profile
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• Vanguard FTSE Canadian High Dividend Yield Index ETF (VDY $68.59)
  • $68.59 P/E (TTM): 12.53X Cap: $7.12B
  • View VDY Profile
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• iShares Core MSCI Canadian Quality Dividend Index ETF (XDIV $40.40)
  • $40.40 P/E (TTM): 11.93X Cap: $4.74B
  • View XDIV Profile
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Q: Would you please recommend some high dividend ETF for low risk. It can be either only Canadian stocks or mixed with US and Canada. May thanks

Upvote 12

Read Answer Asked by kwokwai on January 08, 2026

• iShares S&P/TSX Composite High Dividend Index ETF (XEI $36.65)
  • $36.65 P/E (TTM): 13.77X Cap: $3.68B
  • View XEI Profile
  • View Questions on XEI

Q: Hey everyone, I’m developing a Canadian portfolio with XEI as the core. XEI is heavy into energy and financials so as part of my core it will only be 40 to 50 percent of the entire Canadian portfolio. If you could help me by picking stocks from your three portfolios to round out the portfolio it would be greatly appreciated! It really doesn’t matter how many stocks you pick as it’s $10 a trade and will be in the portfolio for a long time (hopefully). The only consideration is that it pays a dividend.

Upvote 6

Read Answer Asked by Mark on December 17, 2025

• iShares S&P/TSX Composite High Dividend Index ETF (XEI $36.65)
  • $36.65 P/E (TTM): 13.77X Cap: $3.68B
  • View XEI Profile
  • View Questions on XEI
• Vanguard FTSE Developed All Cap ex North America Index ETF (VIU $46.73)
  • $46.73 P/E (TTM): 1.18X Cap: $9.69B
  • View VIU Profile
  • View Questions on VIU
• Vanguard U.S. Dividend Appreciation Index ETF (VGG $105.56)
  • $105.56 Cap: $2.33B
  • View VGG Profile
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• iShares Core MSCI Canadian Quality Dividend Index ETF (XDIV $40.40)
  • $40.40 P/E (TTM): 11.93X Cap: $4.74B
  • View XDIV Profile
  • View Questions on XDIV
• Fidelity Canadian Momentum ETF FCCM (FCCM $11.33)
  • $11.33 P/E (TTM): 19.02X
  • View FCCM Profile
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Q: these ETFs are my main yield workhorses. Can you suggest others to compliment them?

Upvote 7

Read Answer Asked by Mark on November 25, 2025

• BMO Canadian Dividend ETF (ZDV $30.34)
  • $30.34 P/E (TTM): 0.72X Cap: $1.63B
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• iShares Canadian Select Dividend Index ETF (XDV $42.92)
  • $42.92 P/E (TTM): 12.96X Cap: $2.34B
  • View XDV Profile
  • View Questions on XDV
• iShares S&P/TSX Composite High Dividend Index ETF (XEI $36.65)
  • $36.65 P/E (TTM): 13.77X Cap: $3.68B
  • View XEI Profile
  • View Questions on XEI
• Vanguard FTSE Canadian High Dividend Yield Index ETF (VDY $68.59)
  • $68.59 P/E (TTM): 12.53X Cap: $7.12B
  • View VDY Profile
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Q: What are the best return Canadian dividend etfs you can recommend?

Upvote 13

Read Answer Asked by Kim on November 11, 2025

• Philip Morris International Inc (PM $163.95)
  • $163.95 P/E (TTM): 21.7X Cap: $255.21B
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• Enbridge Inc. (ENB $70.86)
  • $70.86 P/E (TTM): 21.74X Cap: $154.63B
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• Brookfield Renewable Partners L.P. (BEP.UN $45.55)
  • $45.55 Cap: $30.97B
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• North West Company Inc. (The) (NWC $51.48)
  • $51.48 P/E (TTM): 18.17X Cap: $2.45B
  • View NWC Profile
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• BMO Canadian Dividend ETF (ZDV $30.34)
  • $30.34 P/E (TTM): 0.72X Cap: $1.63B
  • View ZDV Profile
  • View Questions on ZDV
• iShares S&P/TSX Composite High Dividend Index ETF (XEI $36.65)
  • $36.65 P/E (TTM): 13.77X Cap: $3.68B
  • View XEI Profile
  • View Questions on XEI
• iShares S&P/TSX Canadian Dividend Aristocrats Index ETF (CDZ $43.33)
  • $43.33 P/E (TTM): 16.81X Cap: $1.15B
  • View CDZ Profile
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• Vanguard FTSE Canadian High Dividend Yield Index ETF (VDY $68.59)
  • $68.59 P/E (TTM): 12.53X Cap: $7.12B
  • View VDY Profile
  • View Questions on VDY
• Vanguard U.S. Dividend Appreciation Index ETF (VGG $105.56)
  • $105.56 Cap: $2.33B
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• British American Tobacco p.l.c. (BTI $56.17)
  • $56.17 P/E (TTM): 31.06X Cap: $121.17B
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Q: I want to start drawing some yield income from my TFSA.
What would be your top 5 etf or stocks?Good yield,Low to Moderate risk.
Thankyou

Upvote 6

Read Answer Asked by Steve on November 04, 2025

• iShares S&P/TSX Composite High Dividend Index ETF (XEI $36.65)
  • $36.65 P/E (TTM): 13.77X Cap: $3.68B
  • View XEI Profile
  • View Questions on XEI

Q: I had a representative from Sun Life approach me with the option of rolling my LIRA/RRIF money into an annuity, providing guaranteed, stable income for life. Would you suggest taking a portion of RRIF funds and putting it into an annuity, or instead relying on a combination of ETFs that provide dividend income and capital appreciation?

Upvote 5

Read Answer Asked by Paul on October 28, 2025

• iShares S&P/TSX Composite High Dividend Index ETF (XEI $36.65)
  • $36.65 P/E (TTM): 13.77X Cap: $3.68B
  • View XEI Profile
  • View Questions on XEI
• iShares US Dividend Growers Index ETF (CAD-Hedged) (CUD $57.10)
  • $57.10 P/E (TTM): 20.22X Cap: $244M
  • View CUD Profile
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• Vanguard FTSE Canadian High Dividend Yield Index ETF (VDY $68.59)
  • $68.59 P/E (TTM): 12.53X Cap: $7.12B
  • View VDY Profile
  • View Questions on VDY

Q: Hello,

Looking for the optimal ETF (or combinaison) for income and some growth with 300 k.
80 % VDY with 20% VEQT ? other suggestion ?
Thanks !

Upvote 1

Read Answer Asked by Martin on September 23, 2025

• iShares S&P/TSX Composite High Dividend Index ETF (XEI $36.65)
  • $36.65 P/E (TTM): 13.77X Cap: $3.68B
  • View XEI Profile
  • View Questions on XEI
• iShares S&P/TSX Canadian Dividend Aristocrats Index ETF (CDZ $43.33)
  • $43.33 P/E (TTM): 16.81X Cap: $1.15B
  • View CDZ Profile
  • View Questions on CDZ
• WisdomTree Europe Hedged Equity Fund (HEDJ $54.74)
  • $54.74 P/E (TTM): 60.67X Cap: $1.79B
  • View HEDJ Profile
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• iShares Core High Dividend ETF (HDV $132.81)
  • $132.81 P/E (TTM): 20.98X Cap: $13.20B
  • View HDV Profile
  • View Questions on HDV
• Invesco High Yield Equity Dividend Achievers ETF (PEY $21.99)
  • $21.99 P/E (TTM): 13.7X Cap: $1.04B
  • View PEY Profile
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• First Trust STOXX European Select Dividend Income Fund (FDD $18.99)
  • $18.99 P/E (TTM): 40.26X Cap: $855M
  • View FDD Profile
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Q: High-Dividend yield ETFs.

Could you list 2 in Canada & 2 in the USA?

Are there any European High-Dividend yield ETFs.?

Thank you.

Upvote 3

Read Answer Asked by Ross on September 10, 2025

• BMO Monthly Income ETF (ZMI $19.11)
  • $19.11 P/E (TTM): 1.99X Cap: $224M
  • View ZMI Profile
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• BMO S&P 500 Index ETF (ZSP $106.83)
  • $106.83 P/E (TTM): 25.8X Cap: $22.22B
  • View ZSP Profile
  • View Questions on ZSP
• iShares S&P/TSX Composite High Dividend Index ETF (XEI $36.65)
  • $36.65 P/E (TTM): 13.77X Cap: $3.68B
  • View XEI Profile
  • View Questions on XEI
• iShares S&P/TSX 60 Index ETF (XIU $49.99)
  • $49.99 P/E (TTM): 18.08X Cap: $21.96B
  • View XIU Profile
  • View Questions on XIU
• Vanguard FTSE Developed All Cap ex North America Index ETF (VIU $46.73)
  • $46.73 P/E (TTM): 1.18X Cap: $9.69B
  • View VIU Profile
  • View Questions on VIU
• BMO Growth ETF (ZGRO.T $13.48)
  • $13.48 P/E (TTM): 3.03X Cap: $78M
  • View ZGRO.T Profile
  • View Questions on ZGRO.T

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.

Upvote 12

Read Answer Asked by Roy on July 21, 2025

• iShares Core S&P/TSX Capped Composite Index ETF (XIC $54.21)
  • $54.21 P/E (TTM): 18.19X Cap: $28.49B
  • View XIC Profile
  • View Questions on XIC
• iShares S&P/TSX Composite High Dividend Index ETF (XEI $36.65)
  • $36.65 P/E (TTM): 13.77X Cap: $3.68B
  • View XEI Profile
  • View Questions on XEI
• iShares S&P/TSX Canadian Dividend Aristocrats Index ETF (CDZ $43.33)
  • $43.33 P/E (TTM): 16.81X Cap: $1.15B
  • View CDZ Profile
  • View Questions on CDZ
• Vanguard FTSE Canadian High Dividend Yield Index ETF (VDY $68.59)
  • $68.59 P/E (TTM): 12.53X Cap: $7.12B
  • View VDY Profile
  • View Questions on VDY

Q: Is there any ETF that qualifies for dividend tax credit. If there is please share few of your favourite ETF.


Thanks for your great service

Upvote 7

Read Answer Asked by Hector on June 16, 2025

• iShares S&P/TSX Composite High Dividend Index ETF (XEI $36.65)
  • $36.65 P/E (TTM): 13.77X Cap: $3.68B
  • View XEI Profile
  • View Questions on XEI
• iShares S&P/TSX Canadian Dividend Aristocrats Index ETF (CDZ $43.33)
  • $43.33 P/E (TTM): 16.81X Cap: $1.15B
  • View CDZ Profile
  • View Questions on CDZ

Q: Hello

Just curious to how much overlap is there between CDZ and XEI? Is there a need to own both or can you just hold one. If only one which one do you prefer?

Jimmy

Upvote 5

Read Answer Asked by Jimmy on June 04, 2025

• iShares Core S&P 500 Index ETF (CAD-Hedged) (XSP $72.13)
  • $72.13 P/E (TTM): 25.68X Cap: $14.88B
  • View XSP Profile
  • View Questions on XSP
• iShares S&P/TSX Composite High Dividend Index ETF (XEI $36.65)
  • $36.65 P/E (TTM): 13.77X Cap: $3.68B
  • View XEI Profile
  • View Questions on XEI
• iShares S&P/TSX 60 Index ETF (XIU $49.99)
  • $49.99 P/E (TTM): 18.08X Cap: $21.96B
  • View XIU Profile
  • View Questions on XIU
• iShares Core MSCI Canadian Quality Dividend Index ETF (XDIV $40.40)
  • $40.40 P/E (TTM): 11.93X Cap: $4.74B
  • View XDIV Profile
  • View Questions on XDIV

Q: hi
I’m trying to build a simple ETF portfolio with TSX & S&P500 exposure so that’s it’s easy to add during dips.
For the S&P500 i’m thinking XSP.
Not sure what to do about the TSX. Undecided on XIU, XEI or XDIV. I realize the composition of each is different. Energy, Financials, Utilities etc. What would you do?
Thanks

Upvote 3

Read Answer Asked by Carlo on April 15, 2025

• iShares S&P/TSX Composite High Dividend Index ETF (XEI $36.65)
  • $36.65 P/E (TTM): 13.77X Cap: $3.68B
  • View XEI Profile
  • View Questions on XEI
• Harvest Diversified Monthly Income ETF (HDIF $9.05)
  • $9.05 P/E (TTM): 21.64X Cap: $504M
  • View HDIF Profile
  • View Questions on HDIF

Q: What do you think of these two etfs looking at the charts hdif has done better then xei and pays double the dividend. With a dividend over 10% is it safe which one would you prefer for a dividend investor.

Upvote 2

Read Answer Asked by don on March 18, 2025

• iShares S&P/TSX Composite High Dividend Index ETF (XEI $36.65)
  • $36.65 P/E (TTM): 13.77X Cap: $3.68B
  • View XEI Profile
  • View Questions on XEI
• iShares S&P/TSX Canadian Dividend Aristocrats Index ETF (CDZ $43.33)
  • $43.33 P/E (TTM): 16.81X Cap: $1.15B
  • View CDZ Profile
  • View Questions on CDZ
• Vanguard FTSE Canadian High Dividend Yield Index ETF (VDY $68.59)
  • $68.59 P/E (TTM): 12.53X Cap: $7.12B
  • View VDY Profile
  • View Questions on VDY
• iShares Core MSCI Canadian Quality Dividend Index ETF (XDIV $40.40)
  • $40.40 P/E (TTM): 11.93X Cap: $4.74B
  • View XDIV Profile
  • View Questions on XDIV

Q: I sold my individual dividend stocks and am replacing them with an ETF for simplicity. How would you rate/compare these dividendETFS? Which two do you prefer? I'll put 1 in my rrsp and a another in my TFSA. I am diversified in other countries already. I'm thinking XDIV and XEI might be the safest?

Upvote 4

Read Answer Asked by Carla on February 24, 2025

• iShares Core Canadian Long Term Bond Index ETF (XLB $18.51)
  • $18.51 P/E (TTM): 8.4X Cap: $760M
  • View XLB Profile
  • View Questions on XLB
• iShares Core S&P/TSX Capped Composite Index ETF (XIC $54.21)
  • $54.21 P/E (TTM): 18.19X Cap: $28.49B
  • View XIC Profile
  • View Questions on XIC
• iShares S&P/TSX Composite High Dividend Index ETF (XEI $36.65)
  • $36.65 P/E (TTM): 13.77X Cap: $3.68B
  • View XEI Profile
  • View Questions on XEI
• Vanguard Canadian Aggregate Bond Index ETF (VAB $22.90)
  • $22.90 Cap: $7.12B
  • View VAB Profile
  • View Questions on VAB
• Vanguard FTSE Developed All Cap ex North America Index ETF (VIU $46.73)
  • $46.73 P/E (TTM): 1.18X Cap: $9.69B
  • View VIU Profile
  • View Questions on VIU
• Vanguard FTSE Emerging Markets All Cap Index ETF (VEE $48.30)
  • $48.30 P/E (TTM): 6.04X Cap: $3.98B
  • View VEE Profile
  • View Questions on VEE
• iShares Core U.S. Aggregate Bond ETF (AGG $99.61)
  • $99.61 Cap: $136.06B
  • View AGG Profile
  • View Questions on AGG
• iShares MSCI EAFE Growth ETF (EFG $119.47)
  • $119.47 P/E (TTM): 48.9X Cap: $15.36B
  • View EFG Profile
  • View Questions on EFG
• Global X High Interest Savings ETF (CASH $50.05)
  • $50.05 P/E (TTM): 13.15X Cap: $6.75B
  • View CASH Profile
  • View Questions on CASH
• High Interest Savings Account ETF (HISA)
  • View HISA Profile
  • View Questions on HISA

Q: I have $100,000 of cash in an investment account, am looking for some conservative ETF’s with 1/3 going to fixed income, same to Cdn Equity and balance to Global. Any suggestions? Given the trade war with the USA, I might sit on the sidelines for a few weeks so ny thoughts on best way to invest the cash with good liquidity. I was looking at HISA ETF’s but they are very low currently.

Upvote 5

Read Answer Asked by Paul on February 06, 2025