Q: I'm looking for one ETF for emerging market exposure. What would your pick be please.
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Investment Q&A
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- iShares S&P/TSX Canadian Preferred Share Index ETF (CPD)
- BMO Equal Weight Industrials Index ETF (ZIN)
- iShares Core MSCI EAFE IMI Index ETF (XEF)
- iShares S&P/TSX 60 Index ETF (XIU)
- iShares S&P/TSX Capped Consumer Staples Index ETF (XST)
- Vanguard FTSE Emerging Markets All Cap Index ETF (VEE)
Q: 5i Hello,
I have these EFTs on my RRSP and not feeling happy with them, can you suggest some possible candidates I could switch to, or just sell them all and with profits buy CSU LSPD SHOP GOOG AMZN.
Thank
F
I have these EFTs on my RRSP and not feeling happy with them, can you suggest some possible candidates I could switch to, or just sell them all and with profits buy CSU LSPD SHOP GOOG AMZN.
Thank
F
Q: I am working on setting up an RESP for my Granddaughter. We have about 10 years to grow the RESP before changing it to a more conservative approach. Looking for 3 to 5 solid Canadian ETF's - one of them being the best to track the S&P 500. What 3 to 5 ETF's would you recommend for growth and diversity? I would like to keep dividends in Canadian dollars to avoid withholding taxes. Thank you, Patrick
- iShares Core MSCI All Country World ex Canada Index ETF (XAW)
- Vanguard FTSE Emerging Markets All Cap Index ETF (VEE)
- Vanguard S&P 500 Index ETF (VFV)
Q: what International ETF's would you recommend for buying in Canadian dollars? I have no exposure in the international sector.
Thanks
Thanks
- Vanguard FTSE Developed All Cap ex North America Index ETF (VIU)
- Vanguard FTSE Emerging Markets All Cap Index ETF (VEE)
- Vanguard Dividend Appreciation FTF (VIG)
- Vanguard Total International Stock (VXUS)
- Vanguard Total Stock Market ETF (VTI)
- Vanguard International Dividend Appreciation ETF (VIGI)
Q: International ETF overlap query. I have the first four above now (more or less equal amounts) constituting 9.72% of total portfolio. Considering adding some more international exposure for geographic and currency diversification objectives, i.e. either VXUS or VIGI but wondering about the overlap with current holdings or should I just increase current holdings. Generally attempting to increase sector holdings in USA (fdn, ihi, hack, fivg, ipay, vbk), under-represented in Canada and more international geographic exposure. All are/will be in CDN & USD non registered accounts. Views?Suggestions?
Q: Hi 5i
Thanks for your sage advice during this pandemic period, I have found it very helpful.
My portfolio is pretty well balanced with a good mix of primarily Canadian stocks ( 5i) plus Cdn & US ETF's. I would like to add some exposure to the global markets, can you suggest a couple of ETF's that I should consider - either Cdn or US...
Thanks for your sage advice during this pandemic period, I have found it very helpful.
My portfolio is pretty well balanced with a good mix of primarily Canadian stocks ( 5i) plus Cdn & US ETF's. I would like to add some exposure to the global markets, can you suggest a couple of ETF's that I should consider - either Cdn or US...
- iShares S&P/TSX Capped Financials Index ETF (XFN)
- iShares Canadian Select Dividend Index ETF (XDV)
- iShares Core MSCI EAFE IMI Index ETF (XEF)
- Vanguard FTSE Emerging Markets All Cap Index ETF (VEE)
- Vanguard FTSE Emerging Markets ETF (VWO)
Q: My son approached me on some advice on investing. He is just starting off. My inclination is to suggest to him to stick to ETFs. Ideally a mix of CDN, US, Bond and International oriented ETFs . I have my preferences, but would like to know what you would suggest? I am guessing he is looking at a year window to start.
- iShares Core MSCI EAFE IMI Index ETF (XEF)
- Vanguard FTSE Developed Europe All Cap Index ETF (VE)
- Vanguard FTSE Emerging Markets All Cap Index ETF (VEE)
- Vanguard Dividend Appreciation FTF (VIG)
- S&P 500 ETF TRUST ETF (SPY)
Q: IF and that is a big IF we have all missed the bottom on American larger caps should I be now focusing on US small caps and International markets? When I look at SPY and VIG all th money has jumped into American large caps and more or less erased the huge loss and pairs back some of my gains from 2019...so huge collapse gone...for now. I've topped up some VIG but missed on SPY. When I look at US small caps they are lagging and I assume this is due to the higher risk and lower volume, Same story for Europe, International and emerging markets. So my question is should I be shifting to adding IWO, XEF, and VE. I need to add some international content to my portfolio anyways as I am a bit light at 12% international ( developed) and 10% emerging markets. If you agree or don't strongly disagree what ETFs do you recommend right now ( I already hold the one mentioned). I am leaning toward a bit of IWO and larger positions in VE and XEF.
5 year window, high but slowly lowering risk tolerance, Balanced portfolio follower ( shifting slowly to income follower), overweight canada (40%) and US(40%) ,
5 year window, high but slowly lowering risk tolerance, Balanced portfolio follower ( shifting slowly to income follower), overweight canada (40%) and US(40%) ,
- BMO Low Volatility Canadian Equity ETF (ZLB)
- iShares S&P/TSX Capped REIT Index ETF (XRE)
- Invesco Canadian Dividend Index ETF (PDC)
- Vanguard FTSE Emerging Markets All Cap Index ETF (VEE)
- Vanguard U.S. Total Market Index ETF (CAD-hedged) (VUS)
- Dynamic Active U.S. Dividend ETF (DXU)
- Fidelity International High Quality ETF (FCIQ)
Q: My daughter is 27 years old and is looking to invest around $35,000 as her first investment. She is considering investing 40% in Canadian equities (ZLB, PDC, and XRE), 50% in US Equities (VUS and DXU), and 10% in International Equities (FCIQ and VEE).
As an initial investment, does this balance seem reasonable or would you have other recommendations? Is this sufficiently diversified or are there too many funds?
Thank you!
As an initial investment, does this balance seem reasonable or would you have other recommendations? Is this sufficiently diversified or are there too many funds?
Thank you!
- iShares Core MSCI All Country World ex Canada Index ETF (XAW)
- iShares Core S&P U.S. Total Market Index ETF (XUU)
- Vanguard FTSE Developed All Cap ex North America Index ETF (VIU)
- Vanguard FTSE Emerging Markets All Cap Index ETF (VEE)
Q: Good afternoon. Buy and hold investor. Currently hold 20% XUU, 15% VIU, 5% VEE in portfolio as my non-Canadian equity holdings. What would the pros and cons be of selling them and putting it all in to XAW, and would you recommend such a move? I only re-balance once a year as it is. Thanks for your reply.
- BMO MSCI Emerging Markets Index ETF (ZEM)
- Vanguard FTSE Emerging Markets All Cap Index ETF (VEE)
- VanEck Vietnam ETF (VNM)
- SPDR S&P China ETF (GXC)
Q: On the whole what do you think of emerging markets' ETF's now? Do you think one should be buying? What are your favorites?
Thank you
Thank you
- iShares MSCI EAFE Index ETF (CAD-Hedged) (XIN)
- Vanguard FTSE Emerging Markets All Cap Index ETF (VEE)
Q: I presently hod these 2 ETF's and was looking for your opinion. They are approximately 1.25% each of portfolio. Being a small amount do I add or sell.
Regards,
Regards,
- BMO S&P/TSX Capped Composite Index ETF (ZCN)
- iShares Core MSCI EAFE IMI Index ETF (XEF)
- iShares Core MSCI Emerging Markets IMI Index ETF (XEC)
- iShares Core S&P/TSX Capped Composite Index ETF (XIC)
- Vanguard FTSE Canada All Cap Index ETF (VCN)
- Vanguard FTSE Developed All Cap ex North America Index ETF (VIU)
- Vanguard FTSE Emerging Markets All Cap Index ETF (VEE)
- Vanguard S&P 500 Index ETF (VFV)
- Vanguard U.S. Total Market Index ETF (VUN)
Q: HI, I just recently made the switch from mutual funds to ETF’s and a DIY strategy and am looking to lock down 4 low cost ETF’s that I will invest in for the long term (30 + years) and leaning more toward the aggressive side for these. I am looking to take advantage of some dollar cost averaging to enter the ETF market for some broad market index ETF’s in my TFSA and was looking for you opinion of some that I am trying to choose between.
Canadian Market – I am trying to choose between XIC, VCN & ZCN. They all have significant overlap and same MER so I don’t see a whole lot of difference between the three, although I am leaning towards XIU, thoughts on which one you would choose for your portfolio?
US Market – I am trying to decide between VUN & VFV. The VFV has lower MER than VUN and has outperformed VUN as of late. Smaller and mid-cap companies historically had higher volatility than the large-cap companies found in the S&P 500, and so the trade-off is potentially higher growth, for potentially more volatility if you go with a total market index like what is found in VUN. The S&P 500 has outperformed the total market index as of late so I guess the question is will this continue, I am leaning towards VFV, thoughts on which one you would choose for your portfolio?
International Developed – I am trying to decide between XEF & VIU, both have similar MER, thoughts on which one you would choose for your portfolio?
Emerging Markets – I am trying to decide between XEC & VEE for a small percentage of my portfolio, thoughts on which one you would choose for your portfolio?
These are some ETFs’ I have come across from doing build wealth Canada course and reading other materials and listening to podcasts that seem to fit my long-term outlook. I am by no means experienced in this matter and just looking to hit the ground running so If you have better suggestions for certain markets that I may have missed feel free to outline them.
Thanks
Sean
Canadian Market – I am trying to choose between XIC, VCN & ZCN. They all have significant overlap and same MER so I don’t see a whole lot of difference between the three, although I am leaning towards XIU, thoughts on which one you would choose for your portfolio?
US Market – I am trying to decide between VUN & VFV. The VFV has lower MER than VUN and has outperformed VUN as of late. Smaller and mid-cap companies historically had higher volatility than the large-cap companies found in the S&P 500, and so the trade-off is potentially higher growth, for potentially more volatility if you go with a total market index like what is found in VUN. The S&P 500 has outperformed the total market index as of late so I guess the question is will this continue, I am leaning towards VFV, thoughts on which one you would choose for your portfolio?
International Developed – I am trying to decide between XEF & VIU, both have similar MER, thoughts on which one you would choose for your portfolio?
Emerging Markets – I am trying to decide between XEC & VEE for a small percentage of my portfolio, thoughts on which one you would choose for your portfolio?
These are some ETFs’ I have come across from doing build wealth Canada course and reading other materials and listening to podcasts that seem to fit my long-term outlook. I am by no means experienced in this matter and just looking to hit the ground running so If you have better suggestions for certain markets that I may have missed feel free to outline them.
Thanks
Sean
- BMO Covered Call Canadian Banks ETF (ZWB)
- BMO Equal Weight Banks Index ETF (ZEB)
- Vanguard FTSE Emerging Markets All Cap Index ETF (VEE)
- Vanguard U.S. Dividend Appreciation Index ETF (VGG)
Q: Most of my son's assets (all tfsa) are in the etfs zwb, vgg and vee. Would you suggest substituting any other etfs at this point with an eye to catching the rebound? Thank you.
Q: Last year I took a sizeable position in VEE as one of the main parts of my foreign diversification. It has, like so much else, dropped a lot. I am wondering if the prospects for recovery in the emerging markets are not as favourable as the potential in the US or Canada, where economic resources (or the ability to backstop printed money) are stronger. As such, I am inclined to sell this position (and as you point out, harvest a tax loss) and migrate to some North America holding(s). Your comments, pls. Thanks for your excellent service.
- Vanguard FTSE Developed All Cap ex North America Index ETF (VIU)
- Vanguard FTSE Emerging Markets All Cap Index ETF (VEE)
Q: Good morning,
I have the same amount of shares in VIU and VEE as a year ago, but the quarterly dividends both recently announced are both smaller than last year's. Why is this? Have many international companies maybe cut their dividends due to the virus and it's impacts? Could this be a Vanguard decision? Thanks
I have the same amount of shares in VIU and VEE as a year ago, but the quarterly dividends both recently announced are both smaller than last year's. Why is this? Have many international companies maybe cut their dividends due to the virus and it's impacts? Could this be a Vanguard decision? Thanks
- iShares Russell 2000 Growth ETF (IWO)
- Vanguard FTSE Developed All Cap ex North America Index ETF (VIU)
- Vanguard FTSE Emerging Markets All Cap Index ETF (VEE)
- Vanguard U.S. Dividend Appreciation Index ETF (VGG)
Q: Hi,
Could I get your opinion on 2 investment paths contemplating at moment for equity portion of portfolio?
At moment my equity exposure is passively invested in IWO, VGG, VIU, VEE. I am trying to decide if I should sell off this passive postion, in part or entirety, and invest in individual beaten up securities, for example a number from your recent reports for North American exposure.
The objective would be to have a higher return 2-3 years out from this market. Not really concerned with volatility.
Thanks
Could I get your opinion on 2 investment paths contemplating at moment for equity portion of portfolio?
At moment my equity exposure is passively invested in IWO, VGG, VIU, VEE. I am trying to decide if I should sell off this passive postion, in part or entirety, and invest in individual beaten up securities, for example a number from your recent reports for North American exposure.
The objective would be to have a higher return 2-3 years out from this market. Not really concerned with volatility.
Thanks
- Amazon.com Inc. (AMZN)
- iShares Core MSCI All Country World ex Canada Index ETF (XAW)
- iShares Russell 2000 Growth ETF (IWO)
- Vanguard FTSE Emerging Markets All Cap Index ETF (VEE)
- Vanguard FTSE Emerging Markets ETF (VWO)
- Vanguard Total World Stock ETF (VT)
Q: Hi 5i,
I am not 100% clear on stock and ETF's allocations for investment plans. Take as many points as needed to answer the questions below. I apologize in advance for the length of the question.
As a Canadian investing through a Canadian site (RBC in this case), split into CDN and US sections (moved CDN funds to USD and paid the exchange), which stocks and ETF's should be allocated to RRSP (CDN or US sections), TFSA, & Non-Registered accounts?
As an example, an RBC RRSP account is split into CAD and USD segments. If I purchase VWO in USD on the US segment instead of VEE on the CDN segment do I retain the 15% withholding tax? If I purchase VWO in CDN funds on the CDN side of the RRSP, what happens to the 15% withholding tax?
Is there a tax difference when filing a CRA 1135 form. e.g if VWO or VEE are 100+k CDN value: VWO on the USD segment or VEE on the CDN segment or VWO on the CDN segment.
If a US stock has a dividend, should this ever be purchased on the CDN side of the RRSP or in a TFSA? .. e.g. CRM with a small dividend or AMGN with a larger dividend
Can you please assign the best allocations (RRSP, TFSA, Non-Registered) to examples a the bottom of the question.
e.g. Non-dividend Growth US stocks (Googl, AMZN): TFSA, RRSP
This tells me that AMZN is best in the TFSA for growth, and in an RRSP purchased in CDN or US funds is the same effect other than currency at the time of purchase.
If a stock or ETF should be in CDN or US sections can you note that as well? e.g. RRSP(CDN or US).
It is a lot to ask so limited examples below will hopefully reduce the effort.
5i recommendations
Non-dividend Growth US stocks (e.g. Googl, AMZN):
US small Dividend Growth (e.g. IWO):
US Foreign ETF (e.g. VWO):
CDN ETF with US stocks and other int'l stocks (e.g. VEE):
CDN High Dividend (e.g. CDN Utilities/Reits/ETF's):
US High Dividend (e.g. US Utilities/Reits/Medical/ETF's)
All World ETF (VT):
All World ETF (XAW):
I very much appreciate your service and time to answer questions.
Jerry
I am not 100% clear on stock and ETF's allocations for investment plans. Take as many points as needed to answer the questions below. I apologize in advance for the length of the question.
As a Canadian investing through a Canadian site (RBC in this case), split into CDN and US sections (moved CDN funds to USD and paid the exchange), which stocks and ETF's should be allocated to RRSP (CDN or US sections), TFSA, & Non-Registered accounts?
As an example, an RBC RRSP account is split into CAD and USD segments. If I purchase VWO in USD on the US segment instead of VEE on the CDN segment do I retain the 15% withholding tax? If I purchase VWO in CDN funds on the CDN side of the RRSP, what happens to the 15% withholding tax?
Is there a tax difference when filing a CRA 1135 form. e.g if VWO or VEE are 100+k CDN value: VWO on the USD segment or VEE on the CDN segment or VWO on the CDN segment.
If a US stock has a dividend, should this ever be purchased on the CDN side of the RRSP or in a TFSA? .. e.g. CRM with a small dividend or AMGN with a larger dividend
Can you please assign the best allocations (RRSP, TFSA, Non-Registered) to examples a the bottom of the question.
e.g. Non-dividend Growth US stocks (Googl, AMZN): TFSA, RRSP
This tells me that AMZN is best in the TFSA for growth, and in an RRSP purchased in CDN or US funds is the same effect other than currency at the time of purchase.
If a stock or ETF should be in CDN or US sections can you note that as well? e.g. RRSP(CDN or US).
It is a lot to ask so limited examples below will hopefully reduce the effort.
5i recommendations
Non-dividend Growth US stocks (e.g. Googl, AMZN):
US small Dividend Growth (e.g. IWO):
US Foreign ETF (e.g. VWO):
CDN ETF with US stocks and other int'l stocks (e.g. VEE):
CDN High Dividend (e.g. CDN Utilities/Reits/ETF's):
US High Dividend (e.g. US Utilities/Reits/Medical/ETF's)
All World ETF (VT):
All World ETF (XAW):
I very much appreciate your service and time to answer questions.
Jerry
- Costco Wholesale Corporation (COST)
- FLIR Systems Inc. (FLIR)
- Gilead Sciences Inc. (GILD)
- QUALCOMM Incorporated (QCOM)
- Starbucks Corporation (SBUX)
- Suncor Energy Inc. (SU)
- Gildan Activewear Inc. (GIL)
- WSP Global Inc. (WSP)
- Descartes Systems Group Inc. (The) (DSG)
- Parkland Corporation (PKI)
- Badger Infrastructure Solutions Ltd. (BDGI)
- Great Canadian Gaming Corporation (GC)
- Kinaxis Inc. (KXS)
- Thomson Reuters Corporation (TRI)
- Alimentation Couche-Tard Inc. (ATD)
- Premium Brands Holdings Corporation (PBH)
- Shopify Inc. Class A Subordinate Voting Shares (SHOP)
- goeasy Ltd. (GSY)
- Vanguard FTSE Developed All Cap Ex U.S. Index ETF (CAD-hedged) (VEF)
- Vanguard FTSE Emerging Markets All Cap Index ETF (VEE)
- Vanguard S&P 500 Index ETF (VFV)
- Spin Master Corp. Subordinate Voting Shares (TOY)
- Alteryx Inc. Class A (AYX)
- Lightspeed Commerce Inc. Subordinate Voting Shares (LSPD)
Q: Hi Peter and Ryan,
I am looking to take advantage from the current market dip and add the the above securities and ETF to my RRSP Portfolio. My time frame is 5 to 10 years. with adding the above I will be having all the 5i balanced portfolio stocks included. In addition I am adding some ETF and other stock that I think it can help my portfolio. Appreciate you advise of which stock look good at this time to buy (please rank). Is there any of the list I should avoid. Do you have other suggestions for good quality stocks and ETF (in the US and Canada) that have a good growth potential.
Thanks,
YR
I am looking to take advantage from the current market dip and add the the above securities and ETF to my RRSP Portfolio. My time frame is 5 to 10 years. with adding the above I will be having all the 5i balanced portfolio stocks included. In addition I am adding some ETF and other stock that I think it can help my portfolio. Appreciate you advise of which stock look good at this time to buy (please rank). Is there any of the list I should avoid. Do you have other suggestions for good quality stocks and ETF (in the US and Canada) that have a good growth potential.
Thanks,
YR
- iShares Russell 2000 Growth ETF (IWO)
- iShares Core MSCI EAFE IMI Index ETF (XEF)
- Vanguard FTSE Emerging Markets All Cap Index ETF (VEE)
Q: Hi, I have a bunch of cash looking to deploy in this carnage. I'm a bit underweight in international and emerging markets, however I'm a bit worried about putting new money into these markets compared to the US market when markets do bounce back. How would you recommend I deploy new $ into international, emerging markets, and US/CAD markets over the next few months?