Investment Q&A

Q: I'm moving away from 30 equities to and few ETFs. What do you think of a portfolio made up of SPY 30%, XIC 30%, VIU 20%, and VAB 20%? Or would you rather XEQT 80% and VAB 20%?

Q: I am considering gradually switching from an all equity portfolio to these six ETFs at the following percentages: XGRO 20%, VBAL 20%, ZSP 15%, SPY 15%, XIC 15%, and VIU 15%. I have been happy with my returns but am thinking more conservatively.
1. What do you think about this mix, are there any you'd suggest a replacement for?
2. What would your educated guess be for an annualized return over the next 10 years?

Q: I have around 35% cash to deploy in my TFSA, with a long term time frame in mind. I currently have positions in XIC (16%) and VFV (10%). Looking to add and diversify with another 2-3 ETF's. Could you list a few suggestions?

Q: Could you give me your opinion on which you prefer out of this list ? If one was to combine 3 or 4 of these what would be a good combination ? You may take more than 1 credit if you wish.

Q: I have U.S. dollars to invest and am looking for an ex- North America fund like VIU which you often suggest. How about VXUS? Can you suggest a better option? It has a 3% divided yield and an mer of .05%?

Thank you during these times of tumult.

Q: What percentage of a portfolio do you think should be non North American? Does that change if portfolio size is 500k, 2 mil, 5 mil?
Do you recommend fund or etf or individual stock, for someone with no knowledge and only buy stocks based on your recommendations? Which fund or etf?

Q: This fund has done well over the last few years but historical really up and down. It shows a 9% dividend -is that correct? Could you let me know how high risk it is, and if you would recommend it as part of a basket of international ETF's? Is there others you prefer that you think would do better over the next few years and any in Canadian dollars? Currently I only own ZDI.
Thank you!

Q: I have a LIRA account and don’t plan to make any withdrawals for the next 15 years. I’m looking for “buy-and-hold” stock and/or ETF investment ideas that would suit this long-term timeframe.

I’m open to a mix of individual stocks and ETFs, across both Canadian and U.S. markets. Given the long horizon, I’m comfortable with experiencing periods of market volatility.

Any additional suggestions on how you would approach this situation if it were your own account would be greatly appreciated.

Thank you

Q: Hi, I was made aware of a gap (The "Korea Gap") in my international ETF strategy based on your ETF Update model portfolios that I believe is worth sharing.

The "Korea Gap" occurs when an investor mixes ETF providers that use different index benchmarks (specifically MSCI and FTSE). Because these two providers categorize South Korea differently, an investor can inadvertently end up with 0% exposure to the world's 10th-largest economy.

MSCI (Used by iShares XEF): Classifies South Korea as an Emerging Market. Therefore, it is excluded from XEF (Developed Markets).

FTSE (Used by Vanguard VEE): Classifies South Korea as a Developed Market. Therefore, it is excluded from VEE (Emerging Markets).

The result is if you hold only XEF and VEE, South Korea effectively disappears from your portfolio!

In 2025, this meant missing out on the massive "HBM (High-Bandwidth Memory) Craze" led by Samsung and SK Hynix, which drove the KOSPI to record highs.

Portfolio Combo | Provider | Where is Korea? | Avg. MER
XEF + VEE | Mixed | Missing (0%) | 0.24%
XEF + XEC | MSCI | XEC (Emerging) | 0.25%
VIU + VEE | FTSE | VIU (Developed) | 0.24%

I'll personally be replacing my VEE with XEC to hold the MSCI Blackrock combination.

In the XEF + XEC combo, South Korea makes up about 12-13% of the Emerging Markets (XEC) slice. In the VIU + VEE combo, it makes up about 5-6% of the Developed (VIU) slice. This means the iShares combo actually gives you a "heavier" bet on Korea.

Q: Happy New Year! I have held ZQQ:CA for several years and am looking switch to an unhedged fund that covers the Nasdaq 100. Is this a good time to switch or given that the US dollar is under pressure right now should I wait to make this switch? Is there an ETF you would recommend in the same category?
I am also overweight in Technology and underweight in International holdings. I hold DSG which has been in decline over the past year and was considering a swap for EUAD for the next five years. Other considerations you may suggest would be appreciated.
Thoughts?
Thank you
Dan
PS. I may have not pressed submit on a previous version of this question…. !! If so apologies for the duplication.

Q: My current allocation to International markets go as this: EEM 5% XEF 5% EFA 3%. I would like to raise my exposure through CAD. What level of International exposure do you suggest for 2026 and what ETF would you use? Would you buy China? India? Europe? Asia? or stay the course with the current geography?

Thank you for your advised opinion.

Yves

Q: Hi,

I have $50,000 to invest in my TFSA for 2026.

Could you provide your top 5 ETFs to invest in for US/Canadian, Top 3 foreign ETFs. and Top 3 dividend ETFs.

Holding for approx. 10 years. Risk level Moderate to high.

I have an ETF in SMH that has 108% ROI in the last 2 years. Would you advice on putting more cash into SMH?

Thank you

Q: I have set up A RESP for my grandchildren 18 months old (twins) and am thinking of investing in VIU. Would you agree with this approach for a long term hold? I have already invested in ZSP and XIC. Thank you.

Q: My portfolio by region is Canada 58%, US 37%, International 5%. It is recommended that I put my international to 25%. What are 5 stocks/ETF's that you would recommend that would increase my international exposure? Industry-wise, I am heavy on financials and energy already, and I prefer a balanced portfolio. Thanks!

Q: You have mentioned Japan increase in interest rates (just announced this morning at 25 bps) and carry over trade as one of certain key risks for 2026. Is purchasing VIU the wrong investment decision with such risk on the immediate horizon? VIU has Japan as top geographic holding at 24%.

Q: I have both VIDY and VIU. How similar are they? Should I keep both for a long term hold? If I kept only one, which should I keep.
Thank you for your excellent advice.

Q: I'm thinking of shifting some money out of S&P500 index and into XSU / EQL / VIU so I'm not so overpositioned in tech and whatnot. Good idea? Thoughts?

Reasoning:
XSU - smallcaps should outperform at somepoint?
EQL - same stocks but more equally weighted
VIU - north am excluded (also own ind stocks in cad and us)

Q: A follow up question on portfolio construction. I’ve decided to try and get more dividends while I wait for capital appreciation inside my TFSA.

So the portfolio will be 20% International holding FLVI and VIU. 45% Canadian and will hold XDIV and CDZ. The 55% US will hold SPYD, VYM, HVD and all 11 sectors through Vanguard or ishares.

I’m looking to collect some dividends while I wait for capital gains and realize I will not get full dividends on the US ETFs. What are your thoughts on this set up, is there anything to improve either with diversification or higher dividends? Appreciate your service.

Q: Hey 5i, I would like your suggestions on portfolio construction for a retired individual. Basically I would like your suggestions for percentage breakdown between Canada, US, and international. My plans for international is just buying VXUS and calling it a day. For Canada I’m buying ETFs XDIV and CDZ. For the US I’m going to buy the 11 sectors (including REITS) through ETFs, either Vanguards or ishares. So I would like your suggestions on percentages put to the 11 sectors in the US for a retired individual. Thanks so much and what a great service you have!

Q: Is VIU actively managed? What or who determines weightings in each international country ? Or is it just by stock screening that certain countries get a higher percentage weighting? Finally, if VI is the hedged version, what is it hedged against ? The Vanguard website says USD but this ETF is ex North America.