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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: Would like a current opinion on this mutual fund?
Is the fees worth the returns or would a global ETF perform better?
Greatly appreciate your opinion.

Read Answer Asked by Paul on April 11, 2022

Q: What do you suggest using as a benchmark for sector allocations? I have been looking at global market sector exposures using the iShares MSCI World ETF (XWD). I also saw the Vanguard Total World Stock ETF (VT), which I believe has more small-cap exposure than MSCI World. If the global market is a good base to use, do you see any reason to deviate from these exposures at the moment?

I assume I shouldn't look at regional exposures the same way, the global market is heavily weighted toward US (60-70%). Would regional exposure for something like VGRO (equity only - US 43% / Canada 30% / International Developed 20% / Emerging 7%) be a good benchmark?

Read Answer Asked by Alex on February 15, 2022

Q: Just did a revue of my PORTFOLIO ANALYTICS and have a couple of questions as follows:
Under Fixed Income Defensive I have CBO, VGG & ZDI in my TFSA. Are these okay here or can be added to or any deleted?
Under International Allocations I have VXC, XAW, XEF, VEU & XWD in the TFSA. Are these okay as they are or shoud I be considering some changes?
Best wishes for the New Year and thanks for your great service!

Read Answer Asked by Terry on January 11, 2022

Q: My 25 years old son is starting a portfolio by buying all equity ETFs XSP (30%), TEC (30%), and XWD (40%) in Canadian dollars, which he intends to hold for a long time. 1. Is the selection of ETFs OK ? 2. Are there better alternatives in performance and fees? 3. Is the allocation OK? 4. Do you have any suggestion? Thanks.

Read Answer Asked by Dev on January 04, 2022

Q: I am looking to finally replace the following mutual funds held in a self admin RSP account, to equivalent ETFs.
FID269 - Fid Monthly Inc;
FID5973 - Fid Global Innovation;
FID207 - Fid Global Concentrated Equity;
RBC460 - Sel Bal Ptf
TDB2760 - Td Retirement Balance
TDB652 - Td Global Entertainment & communication
TDB976 - Td Health Science
TDB2580 Td Tactical Monthly Inc
My goal is to replace these mutual funds with long term, high yielding where possible, low MER, CDN or US $ equivalent ETFs. Please provide 2 or 3 suggestions for each. Please deduct as many credit s as need.
Thank you for all the invaluable investment help you provide.


Read Answer Asked by Mark on October 15, 2021

Q: My 35 year old daughter would like to start investing 150$ a month in an ETF. She would like to set up an automatic monthly transfer to an institution , any suggestions? thanks, JEan

Read Answer Asked by Jean on August 05, 2021

Q: hi, What yours thoughts for those Fund for 2/3% portfolio?
is it to expensive?
thanks jean guy.

Read Answer Asked by Jean Guy on February 09, 2021

Q: I have seen many articles in which advisors recommend all-in-one portfolios as core holdings. I understand the value of these portfolios given the rebalancing effect, when there is a mix of bonds and equities (e.g. VBAL, XBAL). However, I do not understand the benefit of the all-equity, all-in-one portfolio (e.g. VEQT, XEQT) compared to an all-world equity ETF (e.g. XAW, XWD). The all-equity, all-in-one portfolios are overweight Canada vis-a-vis global market capitalizations. It seems to me that the all-equity, all-in-one portfolios are "betting" that Canadian equities will outperform the rest of the world. Yet, most articles I read suggest the opposite, and recommend that Canadians invest increasingly internationally (in fact, I can not recall in the last few years any article suggesting Canadian outperformance).

It seems to me that the all world ETFs (XAW, XWD) are a better bet, but I am concerned that I am missing something given the popularity of the all-equity, all-in-one portfolios. What do you see as the advantage of the all equity, all-in-one portfolios over the all world all-equity ETFs? Why do major firms such as Vanguard and Blackrock have a Canadian overweight in their all-equity, all-in-one portfolios? For a long-term core equity-only holding, do you recommend the all-in-one portfolio (e.g. VEQT, XEQT) over the global equity ETFs (XAW, XWD)? Is there any other ETF you would recommend instead?

Many thanks for your excellent advice.

Read Answer Asked by Dale on December 21, 2020

Q: Recently, a number of firms have brought out All-in-One ETFs, such as VEQT. If an investor wishes to be 100% invested, and diversified globally, then this ETF offers the advantage of rebalancing to the ETF's geographic weightings. These All-in-One ETFs are overweight Canada given global market capitalizations.

In contrast, there are ETFs offering similar low fees which represent the market capitalization of all global equities, such as XWD or VXC (w/o Canada). These ETFs are effectively rebalancing to reflect the global market capitalizations.

For a long-term hold, which investment do you feel will do better? Is an investor better off choosing say VEQT, or VXC? These two ETFs have similar ETFs. Is there a better alternative which you would recommend?

Your insights are much appreciated and valued. Thank-you.

Read Answer Asked by Dale on November 18, 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

Q: I bought SDIV about 3 years ago and am down significantly (about 50%). Dividend income has been consistent but not enough to offset the loss in capital. Do you have a better recommendation in this space? Or do i continue to hold for the long term? thanks again! John C

Read Answer Asked by john on November 03, 2020

Q: Wondering what you think of this BMO ETF, hedged to Cdn dollars. Volume seems to be anemic. It is a world ETF, 66% US, 31% EAFE, 3.5% Canada. Would you prefer one with solely US S&P 500 companies?
Thanks
Steve

Read Answer Asked by Steven on May 21, 2020

Q: Looking at these two ETF's what is the major difference besides price? I see the MER is higher on XWD not sure which is bigger and I assume XWD has canada in it as well unlike the XAW. Can you give me your opinion on this and which you think is better long term buy and forget.
Thanks

Read Answer Asked by Kolbi on April 27, 2020

Q: Hi Gentleman,
I currently have a portfolio that I do not need to access for 10 years. Currently I have MFC4644 - $100K, XWD - $160K, ZLU - $190K and VGRO - $220K. Would you make any adjustments or other suggestions to my current holdings.
Thank you,
SF

Read Answer Asked by Steve on April 27, 2020

Q: I am looking for an international equity ETF that has a portion (+/-25%) of its holdings in technology but a good balance of other areas? thanks, Jean

Read Answer Asked by Jean on February 19, 2020