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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: This fund which was a great fund years ago will shortly be converted into a lower MER fund which I appreciate. However, this got me to look closer at recent performance which I don't think has been very good. I am considering switching it to something else. Can you recommend an ETF or another fund that would be a good replacement. We don't have a lot of foreign exposure other than this fund and a Mawer fund (MAW102) but we are otherwise very diversified in individual stocks.

Read Answer Asked by Earl on March 30, 2022

Q: Do to a few errors/mistakes in switching brokerages, I ended up removing these from an RRSP and TFSA accounts and left them in limbo in a non- reg account. I am aware of the serious overlap among the RBF266, XDV,CDZ and XIU. (They were in separate accounts at one time). If I should consolidate, what are your thoughts? What stays and what goes? If I were to begin selling and adding stocks, I was thinking BAM.A and ?Twenty year time frame. Have maxed TFSA.
Cheers and thanks,
Paul

Read Answer Asked by Paul on February 07, 2022

Q: My unregistered investment account has a 50% core of VEQT and 5 equally weighted satellites; CEW, VGG, XSU, ZEO and ZQQ. I am considering overweighting CEW and ZEO. Do you think this is a good idea, would you use some of the other satellites or just stick with equal weighting. I would like to maximize the return without unduly increasing the risk. Thank you

Read Answer Asked by Richard on January 09, 2022

Q: I hold the US portion of my portfolio in my RRSP. It represents roughly 20% of my total investment. I do not need to convert to RRIF for another 5 years and at that time will be taking the minimum required.
I currently hold ZQQ; ZPAY; ZDY; ZWH; ZSP.
I am thinking of switching my holdings to the following in roughly equal amounts: ZPAY; VUN; ZSP; ZNQ; XSU.
The objective is to get better coverage of the total US market through XSU and VUN. Maintain coverage of S&P 500 through ZSP. For Tech switching to non hedged via ZNQ. ZPAY will still provide good income with perhaps some downside protection through its options strategy.
Your thoughts and recommendations of alternatives.
The rest of my portfolio in my Non-Registered account and TFSA follow a mixture of your 3 portfolios which by the way have provide me with a return of 12 - 15% in the past 6 plus years.

Read Answer Asked by Bruce on September 08, 2021

Q: To get some exposure to small caps, I invested in MAW150 late last year; I wonder if XSU has done better in the same time frame. If so, any idea why? And if so, would you switch to XSU? I intend to hold for what I see as the medium term, 2-3 years. Thanks!

Read Answer Asked by Leonard on February 11, 2021

Q: I bought ZEC, ZEM & XSU Dec. 24 . They have all done very well & amount to about 7.5% of my portfolio. I wanted to add XAW &/or XMC. Should I replace XSU with XMC or keep both? Will there be too much duplication with these ETF funds? I'd appreciate your comments on these changes.Thanks ,as always. Really enjoyed your "battle of the ETF funds".
Dave

Read Answer Asked by Dave on February 08, 2021

Q: Looking for some guidance on my US equity holdings. All of my US holdings are in the above ETFs in my RRSP accounts. The US portion represents 21% of my total investment portfolio. Generally I look for a balance between income and growth with dividends used to supplement my pension income. I have 9 years before I have to RIF.
I had held VGG and VUN until recently when, based on one of your answers to another persons question, I switched to ZSP as it has a slightly better return, lower MER and higher Tech weighting. Also more friendly tax structure. I also picked up ZUP at that time for more yield but might be ready to sacrifice that holding for one with more growth or simply add it to the other holdings to keep it simple.
Could I have your opinion on my holdings and any suggestions for improvements and why. I am looking for good overall diversification across the US market with a view to a balance between income and growth. Would like to keep my holdings in CAD.

Read Answer Asked by Bruce on June 04, 2020

Q: Hello,

I am wondering what your thoughts are on the eventual recovery? We won’t know 100% until the virus plays out further but best guess, what do you think a recovery will look like?

My thoughts are that once the virus is under control we may see a quick turnaround in the equities market due to the economies ramping back up, but I am concerned that if this virus continues to provide more questions then answers we may be stuck in a longer downturn.

Keeping the recovery in mind, what are your thoughts on picking away at a Russell 2000 position over the next few weeks/months and what effect will a rising loonie (if Russia and SA work through this spat) have on the dollar hedging. Is it best to buy the Canadian version or the US version with this drop in the loonie and hopefully the eventual recovery in it.

TIA

Read Answer Asked by Gerald on March 13, 2020

Q: Hello Peter and colleagues
I am trying to develop a simple but effective portfolio. What would be your opinion and recommended percentages on a simple portfolio including these ETFs: XIC, VFV, VXUS
Would you recommend adding more ETFs while keeping it simple? and if so, what would be the percentage of each. Do you recommend replacing VFV with VTI? and why?
Please deduct as many points as needed.
Thanks

Read Answer Asked by Hassan on December 06, 2019