Q: I have a well diversified RRSP which has me set. However, I would like to make more that 1.6% interest in my non-registered account. Can you recommend 2 ETFs for my non-registered account to make some travel/leisure money over 1 year?
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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: Hi
I've read that XTR is the income portfolio benchmark. My question is, and I'm assuming it is Canadian focused having not looked into it yet, is there a US equivalent ? If there is, would having a position in both be overkill?
Thanks
Mike
I've read that XTR is the income portfolio benchmark. My question is, and I'm assuming it is Canadian focused having not looked into it yet, is there a US equivalent ? If there is, would having a position in both be overkill?
Thanks
Mike
Q: I am looking to take a position in this fund .
Does this fund go up as a rule when the overall market go down
How are the monthly distributions for tax purposes calculated. If I take a position now I would not be taxed at year end for the months that I did not hold the fund or are taxes applied at year end for the full year to all holders regardless of when the fund was purchased.
Thank You
Al Mississauga
Does this fund go up as a rule when the overall market go down
How are the monthly distributions for tax purposes calculated. If I take a position now I would not be taxed at year end for the months that I did not hold the fund or are taxes applied at year end for the full year to all holders regardless of when the fund was purchased.
Thank You
Al Mississauga
Q: you'd just respond to martin on benchmark of income portfolio is XTR.
My sense is that not a good benchmark with more than 45% of fixed income product (xfr, xhb) plus 4% HY and 4% pref (reflecting well your investment in cpd and xhy). Please comments
My sense is that not a good benchmark with more than 45% of fixed income product (xfr, xhb) plus 4% HY and 4% pref (reflecting well your investment in cpd and xhy). Please comments
Q: Hi 5i
Looking for your thumbs up or thumbs down on XTR as a one stop shop around which to build a retirement portfolio.
Any similar recommendations if XTR wouldnt be your first choice?
Thanks!
Looking for your thumbs up or thumbs down on XTR as a one stop shop around which to build a retirement portfolio.
Any similar recommendations if XTR wouldnt be your first choice?
Thanks!
Q: Hello ! What is the benchmark of the income portfolio ?
Thanks, great work,
Martin
Thanks, great work,
Martin
Q: Please comment on XTR as an source of income and diversification ie, is it a good retirement holding?
Morningstar classifies it as a high risk ETF-do you agree? Would it move downward say like an XHY if the market declines? Is the distribution safe?
What types of taxation is applied given its a mixed bag of holdings and therefore what account would you favor to hold it in?
Thanks
Jeff
Morningstar classifies it as a high risk ETF-do you agree? Would it move downward say like an XHY if the market declines? Is the distribution safe?
What types of taxation is applied given its a mixed bag of holdings and therefore what account would you favor to hold it in?
Thanks
Jeff
Q: I hold HBF in a non registered account 5%. Based on total return I’m barely above water. It’s good for income , 7%, . I’ve been investing mainly in quality dividend stocks and have done quite well on dividend income and growth. Mainly investing in CO’s that have a history of increasing dividends, aristocratic family. This is the only etf in the portfolio. Any suggestions as to a replacement?
Q: Hi, Could you tell me if XTR and MFT would compliment each other, or is there some or too much overlap between the two, or in other words is there much correlation, thanks?
Q: Hi
I'm trying to reduce the risk in my TSFA with the intent of using ~$60K towards a down-payment for a new home in mid-2020. My plan is to sell most of the current investments and invest the money instead in a much safer income generating ETF, though I'm open minded to where I could invest instead. I've done pretty well on (some) of these investments, but am prepared to sell the winners and losers and cut my losses to move forward and decrease my risk. I'm most concerned about having to sell at an even greater loss when we are ready to buy next year. I've listed my current investments.
Are any of current investments worth holding into for the next 16 months instead of selling now and which ETFs you would consider buying?
I'm planning to sell:
BBU.UN (no loss/gain), CM (up 3%), EMA (up8%) IAN (up200%), XEC (down 5%), LB (no loss/gain)
I'm planning to buy instead XTR.
Please take as many credits as you think fair.
I'm trying to reduce the risk in my TSFA with the intent of using ~$60K towards a down-payment for a new home in mid-2020. My plan is to sell most of the current investments and invest the money instead in a much safer income generating ETF, though I'm open minded to where I could invest instead. I've done pretty well on (some) of these investments, but am prepared to sell the winners and losers and cut my losses to move forward and decrease my risk. I'm most concerned about having to sell at an even greater loss when we are ready to buy next year. I've listed my current investments.
Are any of current investments worth holding into for the next 16 months instead of selling now and which ETFs you would consider buying?
I'm planning to sell:
BBU.UN (no loss/gain), CM (up 3%), EMA (up8%) IAN (up200%), XEC (down 5%), LB (no loss/gain)
I'm planning to buy instead XTR.
Please take as many credits as you think fair.
Q: Regarding Jean-Yves XTR question on 22Feb2019, which account should XTR be "best" held in, Non-registered, TFSA or RRSP/RESP, USD non registered, or USD TFSA account? The holder would be 67 year old retiree receiving a DB pension, CPP and a pittance of OAS supplemented with the casual odd bit of cash but reportable income?
Q: When the "XTR" etf is part of a non-registered account (not RRSP nor TFSA ) : 1) Are the dividends from any US ETFs included in XTR submitted to a taxation within XTR (so before any payment of dividends by XTR) ? 2) Is it the same for Canadian dividends included in ETFs within XTR? 3) In such case, for US dividends, can this be considered like a “double taxation” at the end? 4) What is the percentage of taxation of dividends from a US ETF included in XTR , if taxed before XTR distributions ? Regards Jean-Yves
- iShares S&P/TSX Canadian Preferred Share Index ETF (CPD)
- iShares Diversified Monthly Income ETF (XTR)
- iShares U.S. High Yield Bond Index ETF (CAD-Hedged) (XHY)
Q: I hold about 3% in XHY and CPD in a registered account. I'm wondering if selling those and moving to XTR would be a prudent move? XTR adds diversification beyond the two I currently hold.
Thanks....
Thanks....
- iShares Core MSCI All Country World ex Canada Index ETF (XAW)
- iShares Core Canadian Short Term Bond Index ETF (XSB)
- iShares Diversified Monthly Income ETF (XTR)
- iShares S&P/TSX Canadian Dividend Aristocrats Index ETF (CDZ)
Q: Hi 5i,
A portfolio construction question. I've selected a mix of XTR (36%), XSB (7%), CDZ (17%), XAW (19%), and then a mix of laddered GIC options (17%) and a small cash holding (4%). This is for a family member's portfolio, retired, needing income, security, and modest growth (in that order).
This ends with an allocation of approx. 55% equities and 45% fixed income/cash, and 69% Canada, 22% USA, and 9% Global.
This mix also generates distributions/dividends almost dead on 4%/year, so following the 4% withdrawal rule more or less allows for not needing to sell anything to cover cash flow needs.
Wondering if you could comment on the ETF selections and overall structure with the understanding of course that its always a highly personal decision. More just want to know if you have better ETF or security selections for this scenario...
Thank you so much!
Ryan
A portfolio construction question. I've selected a mix of XTR (36%), XSB (7%), CDZ (17%), XAW (19%), and then a mix of laddered GIC options (17%) and a small cash holding (4%). This is for a family member's portfolio, retired, needing income, security, and modest growth (in that order).
This ends with an allocation of approx. 55% equities and 45% fixed income/cash, and 69% Canada, 22% USA, and 9% Global.
This mix also generates distributions/dividends almost dead on 4%/year, so following the 4% withdrawal rule more or less allows for not needing to sell anything to cover cash flow needs.
Wondering if you could comment on the ETF selections and overall structure with the understanding of course that its always a highly personal decision. More just want to know if you have better ETF or security selections for this scenario...
Thank you so much!
Ryan
- iShares Diversified Monthly Income ETF (XTR)
- iShares S&P/TSX Canadian Dividend Aristocrats Index ETF (CDZ)
Q: Hi 5i team,
I have 817k in a LIRA to invest. This is a portion of my retirement money that I will rely on for income. I still however would like some growth too. I was thinking 50% in VFV and the balance in a high yield dividend paying etf. Your thoughts and could you please recommend a high yield dividend paying etf. Thanks for your amazing insight!
Glen
I have 817k in a LIRA to invest. This is a portion of my retirement money that I will rely on for income. I still however would like some growth too. I was thinking 50% in VFV and the balance in a high yield dividend paying etf. Your thoughts and could you please recommend a high yield dividend paying etf. Thanks for your amazing insight!
Glen
Q: Lately my capital investment in ZPR has been decreasing. This forms part of my income investment portfolio. I am thinking on making a switch. Which investments would you recommend for income with a little potential growth as a replacement.
Thank you,
Bob
Thank you,
Bob
- iShares S&P/TSX Composite High Dividend Index ETF (XEI)
- iShares Diversified Monthly Income ETF (XTR)
Q: In a recent posting you replied that you favoured both for high dividend etf. If you had to choose one over the other, which one. I hold both in equal amounts.
Q: age 80, have large amount to invest, looking to make up low risk portfolio that doesn't require constant watching
Q: Assume for the moment that I believe that the current market has just experienced a pull back as opposed to being at the start of a longer downward trend (bear market, recession, ...).
I have about 25% of my portfolio in income generating, relatively diverse, ETFs (xhy, xpf, xtr, ...) but I don't currently need the cash flow. These fell more or less in line with the TSX - in some cases less.
I feel like now would be a good time to move these ETF holdings to solid individual companies that have done worse this year (BNS -20%, TD -18%, ctc.a -23%, etc.) and in a recovery period should do better than the ETFs.
Your thoughts on this strategy?
I have about 25% of my portfolio in income generating, relatively diverse, ETFs (xhy, xpf, xtr, ...) but I don't currently need the cash flow. These fell more or less in line with the TSX - in some cases less.
I feel like now would be a good time to move these ETF holdings to solid individual companies that have done worse this year (BNS -20%, TD -18%, ctc.a -23%, etc.) and in a recovery period should do better than the ETFs.
Your thoughts on this strategy?
- iShares Diversified Monthly Income ETF (XTR)
- iShares S&P/TSX Canadian Dividend Aristocrats Index ETF (CDZ)
Q: Hello 5I,
I will be retiring in 3 to 4 years and I would like to know if the following ETF would provide a suitable diversification while reducing volatility and providing a monthly income to compliment my pension.
50% CND: CDZ/XTR/XEI/PDF/ZRE
30% United States: ZWH/ZDY
20% Intl: ZWE/ZDH
Feel free to add/remove ETFs as required
Finally, would you limit the exposure to each ETF to 15%?
Thanks
Sylvain
I will be retiring in 3 to 4 years and I would like to know if the following ETF would provide a suitable diversification while reducing volatility and providing a monthly income to compliment my pension.
50% CND: CDZ/XTR/XEI/PDF/ZRE
30% United States: ZWH/ZDY
20% Intl: ZWE/ZDH
Feel free to add/remove ETFs as required
Finally, would you limit the exposure to each ETF to 15%?
Thanks
Sylvain