Investment Q&A

Q: Hi 5i team,
Your choice between XEI or CDZ as core in a RRIF with minimum yearly withdrawal and why. What % do you recommend as core holding? 15%, 20%, 25%
What about owing both and if so, what would be the % split? Thanks

Q: My Father has finally caught on that paying the RBC +2% for their mutual funds is eroding his returns and asked for some help. He doesn't have the knowledge or temperament to jump into stocks so I am suggesting he move some investments to ETFs. He is 70, has a teachers pension and 250k of RSP "fun money" to play with. Since I view his pension as his fixed income portion of his portfolio I dont see any reason to get him into any fixed income ETFs or match your model ETF portfolio. I plan to suggest he move about 25k each into xwd, cdz and vgg for a start to get his feet wet. Then once he is comfortable move the rest into those same 3 funds ( assuming they are still on your suggested list at that time).

Any recommended adjustments to this approach in terms of ETFs or my equal weighting.

Q: Hi 5i, I'm moving money from my broker (40+ stocks, 500K) to a few ETFs (Equal Weight) , I'm considering the following ETFs: XIC, IWO, CDZ, SPY, FDN, and FIE; would you please help me choose four or five ETFs from the list, I'm looking for moderate growth, and of course preservation if capital.
Thanks

Q: Hi, would you still consider Cdz to be your favourite Canadian ETF for a person seeking a 4% dividend and a little stability, for the next 5+ years. I got full positions in financial,Heath and Tech. stock. The rest of the sectors about 1/2 to 3/4 position.
Or would you consider a different ETF. Would like to stay in Canada
Thanks,Brad

Q: What is the difference between these ETF's? Which one should I buy?
Thanks

Q: Hi Team 5I - Sooo many dividend ETF's how do you feel about ZDV and/or do you have another CDN ETF that you favour?

Q: We have an RESP with $24000 set up for our grandchildren and would like to have 2 or 3 investments. We thought about CBO & HPR. Would these be appropriate or can you give us some better investments. Thanks. We appreciate your expertise.

Q: What etf (or more than one) do you like to cover the broad Canadian market? There are so many, and they are so overweight in financials and resources. I would be most interested in one that has a lot of holdings, but welcome your opinion/advice if you think a smaller holding is more appropriate. This is for a non-registered account, so tax-deductible investment ideas are welcome.

Q: I asked this question several hours ago but did not get a response.I don't know if you respond the same day...so I am asking again. I have a non-registered account and would like to buy an eTF that is Canadian in content, to reap possible tax benefits. Can you recommend one that holds many stocks. There are so many - it is really hard to pick the one that holds the most stocks representative of all sectors. Or do you feel an S&P/TSX EFT holding just 60 is the way to go? Thank you.

Q: Hello 5i Team,

Which one of these ETF's would you prefer for a basket of diversified dividend stocks held for the long term (10-20yrs) in a non-reg account with contributions reinvested annually?

Thanks

Q: How will CDZ do in a sell off? I have about 10% in my portfolio but would like to move it to 15% - Also is there an America ETF equivalent ?

Q: I manage my husband's and my TFSA's as if they are one account so we do not duplicate the stocks in the 2 accounts and can have a reasonable size of position. We have a similar weighting of ALA, REI.UN, SIA, WSP, ZEB, BEP.UN, CGX, and HR.UN and PKI, and a double weighting of CPD and CDZ. We currently have about $110K in the two accounts and $20K of that is in cash. Can you suggest what we might add to or change in the above list, considering that we prefer income paying securities with some growth prospects and want the TFSA's to act independently of our other investments as a relatively conservative growth vehicle.

Q: I started out with I question but find I actually may have 2 or more.

I am considering replacing CRQ & CDZ in 1 account,
and replacing cdz with HEW in another account. This would account for all my TSX ETF exposure.

The questions are :
1) would you view this as a viable move
2) I noticed that HEW is a thin trader. Will I be beaten
up badly if i try to buy several hundred shares of HEW
at one time.
3) Is there an approach to buying this type of eTF (thin trader)
4) I noticed when I looked up CDZ there is a CDZ.A
and CRQ has a CRQ.A
Could you please tell me the difference in the A versions
of the ETF's .
That's it for this "question".

Thanks in advance

Q: you suggested this etf for my son.thanx.does the price move up and down with people buying the etf itself or the underlying stocks?

Q: Hi 5i. In April of 2015, you discussed Cdn Dividend ETF's, and suggested that because CDZ (iShares Cdn Div Aristocrats) focused on Co's that regularly increase dividends, that it outperforms other Cdn. Div. ETF's, particularly over the long term.
Do you still consider this view to be valid, particularly as it compares to XDV (iShares Cdn. Select Div. ETF) and ZDV (BMO Cdn. Div. ETF). Thanks T.

Q: Hello 5i
Would you please offer your opinion of a few individual holdings and other investment vehicles worthy of long-time hold and more importantly dividend reinvestment. I see your a selction of ETF you have been noting are VGG(for USA) and CDZ(for Cad). Is this the top idea or are there other ideas (individually or combination of holdings)?
The goal is to take advantage of the market ride and still feel comfortable with the investments and know more of a good investment is being purchased regularly.

Alternatively, would one just let cash build up and buy shares and units on a quarterly basis instead of utilizing a DRIP?

By example, just bought CAR.UN today. Working to determine whether it makes sense to join the drip; especially with the 5% discount of the Plan.

Thanks for your thoughts
Dave

Q: Hi Team

Which of the 2 etfs, zdv or cdz would you recommend for income ,dividend growth and some capital gains. ZDV seems to have a lower MER and higher yield. Thank-you in advance. Sam

Q: Hi,

I'm looking for an RRSP investment for my wife. What we have right now is a TD US INDEX fund. Chose this one because it has low MER and tracks the S&P 500. Can you give us other index funds that you can recommend be it US or Canadian with good performance?

Thanks,

Sunday

Q: Very useful. Do you have a suggestion for a ETF that uses both filters ( buyback and increased dividend ) to sort companys.
Great work.

Q: Hi Peter, Ryan, and Team, In today's question from Albert, where would ZLB fit into the mix? I realize that it has a lower yield than PDC, but a better long-term record than it or CDZ. Your thoughts? As always, the advice I receive from 5i is invaluable!