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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: I am coming into a $50,000 gift from aging parents, and would like to invest for my 10 month old son’s education. I want long term growth until he needs the money (probably 18 years or so). Would you recommend 100% ZSP or some other ETF? Also, should I buy in one shot as soon as I have the money ?
Read Answer Asked by John on July 25, 2025
Q: I asked a question last week but it must have got lost. This is a follow up question regarding my question about if you could only hold 3 ETF's what would they be. You answered ZSP, XIC and ZNQ. Can you please explain the rational for owning both ZSP and ZNQ. Is there not a lot of overlap between the two? And if I were to hold only these # ETF's can you also explain why you wouldn't include another international exposure ETF? I believe ZNQ is currency hedged which usually means higher fees. Is there another option to ZNQ that isn't hedged with a lower MER?
Thank you for your service.
Read Answer Asked by Cheryl on July 22, 2025
Q: Hi 5i team,

I currently hold a large position in Whitecap Resources (WCP), which pays a consistent monthly dividend. While I enjoy the steady income, the position has grown too large and is throwing my portfolio out of balance. I’m also increasingly concerned about the company-specific risk, especially being concentrated in the Oil & Gas sector.

I’m looking for a safer alternative that still provides monthly income — ideally a dividend-focused ETF with a yield reasonably comparable to Whitecap, but with better diversification and lower volatility.

Are there any dividend ETFs or other options you would recommend for reliable monthly income without being overly tied to one sector?

Thanks in advance for your guidance!
Read Answer Asked by Mark on July 09, 2025
Q: Seeking 5i advice regarding investing approx. $600,000 into Canadian ETFS for income and balanced approach. Considering TD Canadian Equity Index, for perhaps $100,000..
Could I please have your recommendation for the remaining amount.
Thanks in advance for your help
Rick
Read Answer Asked by Rick on July 03, 2025
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
Read Answer Asked by Hector on June 16, 2025
Q: Good morning all. Could we please have your viewpoint on the above ETFs. TQCD seems to have the best total return over 5 years (according to Koyfin). Do you think this position can be maintained over the coming years?
Read Answer Asked by Roger on June 10, 2025
Q: 1. For a Canadian dividend ETF, do you prefer CDZ or XDIV. CDZ has a much higher MER.
2. What would be 5 Canadian dividend stocks that you would purchase today if I choose not to proceed with one of the above ETFs ?
Read Answer Asked by Thomas on June 10, 2025
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
Read Answer Asked by Jimmy on June 04, 2025
Q: Good day! Could you please recommend a couple of income etfs with a bit of growth for an unregistered account? Etfs with no ROC please and a reasonable expectation of preservation of capital.
Thanks in advance!
Read Answer Asked by K on May 30, 2025
Q: After a "crack", and during a potentially persistent bear market, could you suggest some US and Canadian dividend ETFs ( whether standard, enhanced,or even cover call etfs if indicated ),that could maintain more stable revenues during uncertain economic periods ?
Read Answer Asked by Jean-Yves on April 23, 2025
Q: What ETF would you buy to be long the market in this volatile environment (moderate risk - some income if possible)? If you can suggest 3 with a brief comment that would be great. Thank you.
Read Answer Asked by Pierre on April 10, 2025
Q: Could you please provide your top 5 Canadian ETFS and top 3 dividend Canadian ETFs.  Rank the ETFs as well
Read Answer Asked by Don on April 08, 2025
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?
Read Answer Asked by Carla on February 24, 2025
Q: I would like to create a portfolio (10 years and more) for a non-profit organization. The return objective is 5% or more. The amount to be invested is $40,000. Is it possible to achieve this objective with ETFs? Which ETFs should I buy for this account?
Or should I pick a few names from your Balance Equity portfolio?
THANKS
Read Answer Asked by Serge on February 23, 2025
Q: Would appreciate your ETF suggestions for a non-registered account that provides some growth and reasonable (3% + ?) dividends that qualify for the Canadian Dividend Tax Credit. This is new money going into an existing account that has no capital losses available (yet!). Current holdings are BAM, ENB, EIF, ZUT, VDY . Have other registered accounts with diverse equities. Looking for something that is not too volatile & would like to keep the number of total holdings at no more than 7. Could increase or replace ZUT &/or VDY if recommended. The ETF landscape is very challenging to wade through !
Read Answer Asked by Alexandra on February 18, 2025
Q: Can you name a handful of ETF options for long term holds in my son's RESP account. Growth, dividend, and balanced. Looking for exposure in Canada and USA. I don't want the headache of managing stocks for this portfolio. I'd rather have something that I can just buy and not look at it for 15 years until he needs it.
Read Answer Asked by Harrison on February 10, 2025
Q: It is rare that I ask this question coming from an 84 year old senior, but all the above equal weighted ETF's are presently in my TFSA and can't decide how to invest for the 2025 contribution. Which ETF I should I be adding to the above list or should I be adding a new one that is not in the portfolio?
Also are any of those listed that do not belong in a TFSA?
Thanks for your usual great service.
Read Answer Asked by Terry on January 29, 2025
Q: Hello Peter,
I tried to balance growth and income as well as dividends (no with holding tax in RRSP for US stocks but there is in TFSA), and hence, can you let me know if these make sense for a mid 20s person starting off to have a more growth in TFSA and more income in RRSP.
TFSA: veqt, vgg, and xfn and maybe xic ( veqt has cdn exposure so thought i would exclude xic )
RRSP: vbal, zuq, xic, and xuu all of these trade on tsx. Much appreciated.
Read Answer Asked by umedali on January 21, 2025
Q: Hi 5i!

A question for a friend looking for a new investment instead of csav and cash as interest rates are reduced.

He already have XQQ and ZSP.

1. He is looking for an etf of canadian dividends stocks, do you have a suggestion?

2. What would you propose now for lower risk tolerence?
Read Answer Asked by Francois on December 20, 2024
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