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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: As per your recent guidance, with interest rates plateauing, ZRE seems to be bottoming. What would be your opinion re moving some money from VFV, and putting it in ZRE. VFV has done very well and is scheduled to do well in the future. Do you recommend this kind of movement of fixed income from one group to another. Thanking you for the great guidance you have always provided.
Read Answer Asked by Vinod on July 18, 2023
Q: Hi Peter, Ryan, and Team.

Would you endorse a switch from ZLU to VFV? When I look at the sector breakdown of ZLU, I notice that ZLU is heavy in sectors that probably should currently be under-represented, and very light in sectors that should have higher concentration. And of course, the MER of 0.08% for VFV is better than ZLUs of 0.30%.

ZLU is held in our Margin account, and VFV is already held in our RRIFs.

Thanks as always for the timely advice.

Read Answer Asked by Jerry on July 10, 2023
Q: Good morning 5i:
Next year I will be retiring, and currently I have the outlined stocks in my RRSP, I'm happy with all of them, I think I would like to sell some of them (or trim down, slowly -no rush) and buy stocks/etf that will provide resilience , some yield, and perhaps some growth , can you please provide me with some ideas, 3 or more , I was thinking BN, add more to VFV.
Please use as many credits as required.

THANK YOU for all your help.
Read Answer Asked by Fernando on June 15, 2023
Q: What are your top etf recommendations to purchase now given we are officially in a bull market, the latest cpi numbers are encouraging & the fed is possibly done?

Or is this too late and FOMO is leading me at the wrong time into investing more funds now?

Thanks.

Read Answer Asked by Donald on June 15, 2023
Q: Hello Peter,
Thanks for your service. My renewal is coming up and yours is the only service i plan to renew.

For the three index funds, over a 5 year comparison, VFV out performs all , SPY 2nd and XSP is the last ... Why such a discrepancy? Am I better off with VFV going forward? Thanks
Read Answer Asked by umedali on June 12, 2023
Q: Hello Folks:

We are seniors who would like to place 200,000 from a 1,300,00 investment account (all stocks) into a top rated Canadian based S&P 500 index fund. Another good alternative may be Berk. B. shares. Growth is more than income as they will reside in our TFSA accounts. I do understand Vanguard & Berk. B. good options, however have little practical knowledge; particularly with taxation issues.
You folks are truly amazing!!!!
brian
Read Answer Asked by Brian on June 09, 2023
Q: Could you recommend a moderately aggressive portfolio suitable for a young person with a reasonably long time horizon (5 to 10 years)? Cash available is quite small at $2,500.00.

Today we harvested profits on SHOP and closed out two equity positions being held. We wish to still gain from above average growth however it is time to diversify and take on less risk.

Thank you
Read Answer Asked by Terry on May 09, 2023
Q: Good afternoon,

I am starting a RESP for our grandsons: one born in 2021, the other born in 2023.

To maximize the CESG grant I contribute just over 2500$/year.

How would you suggest to invest the funds ? 2 or 3 index funds?
Would you include a NASDAQ -100 index fund such as XQQ, ZQQ or HXQ or even XIT (Canadian tech ETF)?

I would appreciate your guidance.
Kind Regards
Read Answer Asked by Elaine on April 26, 2023
Q: My Grandsons are 3 &1 old. They have 43% ZUT, 35% VFV, 21% ZWB and 0.9% BTCC.in their present RESP. I am looking for thoughts for the coming year deposit.
My thought are add to VFV (not enough now to reinvest),add a Reit ETF like TGRE or add an telecom ETF. I can not find a telecom ETF in Canada so maybe an alternative would be T.
All thoughts would be much appreciated.
Thank you
Read Answer Asked by David on March 22, 2023
Q: Hello, I'm 58 and debt free as of today. I have a small retirement savings in RRSP as well as LIRA. I have started a Questrade account with only one ETF, HHL, harvest Healthcare because of the good dividend. Should I continue with this one ETF ongoing or do you think I should look at other ETF's? I am happy with the projected return over the next few years but am open to hearing any suggestions that would improve my overall position? Thank you in advance.
Read Answer Asked by Domenic on March 10, 2023
Q: Our daughter has secured a great job and is now in a position to invest in TSFA and RRSP's. I'm thinking she should start out investing in ETF's. Can you please recommend your favourite ETF's for each, would you also diversify to include some foreign exposure at this time ?
Read Answer Asked by Gord on February 09, 2023
Q: Dear 5i,
If one were to hold VFV and VSP for an infinite period of time and assume MER's were the same and effects of currency were neutral.
Is it reasonable to assume VFV would outperform VSP by approximately 1% because of hedging costs? If not, can you help explain.
Read Answer Asked by Ian on January 30, 2023
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