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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 a value dividend investor with some growth at 80 years with a 5 to ten year outlook. I am low on real esate with only ZRE.to which is doing well for me. Should I just add to this or would you please suggest another option that has a good dividend with a little growth. I do not have any material so please suggest two material stocks or ETF's with, again, a good dividend with a little growth. Thank you.
Read Answer Asked by STANLEY on January 17, 2026
Q: I bought VDY, primarily for the dividend, but capital appreciation has been much better than expected. Now I'm looking for a Canadian complement. I note that CDZ also contains financials and energy, but at fairly low percentages, and it seems to cover other sectors well, perhaps a bit better than VDY. Do you think CDZ would be the best complement, or is there another Canadian ETF that would fit nicely beside VDY. Again, the dividend is appreciated, but capital appreciation and low down-side risk would also be very welcome, in addition to sector balance. Thank you for all your great service.
Read Answer Asked by Gordon on January 13, 2026
Q: I am a retired investor of 60 living comfortably off my pension. I have done very well with your advice over the years, but want to be a more passive investor.. I have read many of your answers regarding etf's. I am thinking of moving my investments towards etfs in the future. For US ZSP and VGG 40% XIC/VDY Canada 40% and International 20% VIDY. Thoughts on my choices and percentages. Any other suggestions? Thank you for your great service over the years. Also any thoughts or preference between BMO vs Vanguard. Thanks Stephen Deduct a few extra credits if needed.
Read Answer Asked by Stephen on January 12, 2026
Q: Would you please recommend some high dividend ETF for low risk. It can be either only Canadian stocks or mixed with US and Canada. May thanks
Read Answer Asked by kwokwai on January 08, 2026
Q: Can you suggest a couple of low risk Cdn. ETF's with good dividend rates and with a low MER?
Read Answer Asked by Bill on December 01, 2025
Q: Let's say a conservative investor (i) wants to invest US dollars in US ETFs, (ii) wants principal protection above all, for example by investing primarily in BIL.

If this investor wants to move a little bit up the risk ladder with a view to getting more yield, by adding one or two other conservative ETFs (while continuing to hold BIL as the primary holding): what would you suggest?
Read Answer Asked by Chris on November 28, 2025
Q: What are your thoughts on the ETF SPMO? Would you see this as a reliable investment for a more growth forward investor during the long run? Would you combine this with a more stable dividend ETF to balance risk? Or would you prefer see someone invest in a Broad market ETF such as VFV. Thanks
Read Answer Asked by Kevin on November 19, 2025
Q: Hi team,

Could you come up with a list of « sleep at night » ETFs, with a 5-10 years horizon, ranking them from best to lowest potential growth and from highest to lowest risk ?

Please deduct as many credits as you see fit.
Gratefully,

Jacques IDS
Read Answer Asked by Jacques on November 14, 2025
Q: What are the best return Canadian dividend etfs you can recommend?
Read Answer Asked by Kim on November 11, 2025
Q: I want to start drawing some yield income from my TFSA.
What would be your top 5 etf or stocks?Good yield,Low to Moderate risk.
Thankyou
Read Answer Asked by Steve on November 04, 2025
Q: Hello,

Looking for the optimal ETF (or combinaison) for income and some growth with 300 k.
80 % VDY with 20% VEQT ? other suggestion ?
Thanks !
Read Answer Asked by Martin on September 23, 2025
Q: Which ETF do you feel compliments VOO the most? This would be for my RRSP. Also, I’m 15 years from retirement.

Your top 3 in order preferably?

US/CND/international/All world.. doesn’t matter.

Thank you
Read Answer Asked by Nick on August 25, 2025
Q: I'm looking for an ETF that complements my VDY. In particular I'd like yield with some growth, and fairly defensive. I don't mind which is greater, yield or growth. I've spotted VIDY, and it looks good, and might complement my VDY in that it is similar but EX North America. I suppose the yield is not Div Tax Credit, so if there is a Canadian ETF that complements VDY, in the sense of holdings, I'd consider that too. But the Tax Credit is not essential, so a US complement (sold in Canada) might work also. So complementary to VDY in terms of geography or holdings would be good.
Read Answer Asked by Gordon on August 22, 2025
Q: There is a lot of rhetoric coming out of Ottawa about going all in to boost the canadian economy with major growth projects, reduce internal trade barriers, and mitigate tariff impact. If this in fact all comes to fruition, do you think this would positively affect canadian ETF values and would this be a good time to buy into those? VDY for example.
Read Answer Asked by Rob on July 07, 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: I have above stocks in my RRSP I like to drop FFH and trim CSU LMN (i'm up 150% on both), like to add AD.UN DIR.UN or T, trying to increase my income as I'm retired, the idea is to preserve capital, is it a good time to add this new stocks ? thanks
Read Answer Asked by Fernando on May 13, 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: Looking to buy a canadian dividend etf as one of my core holdings. Do you like VDY or XDV? What are the differences? Or is there another canadian dividend ETF you would recommend?
Read Answer Asked by Carla on February 24, 2025
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