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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: First of all thank you for your excellent service. Here's hoping 2022 will be juist a good as 2021.
Question: The ETF portfolio in Money Saver showed a change from VIG to VGG. No explanation was given. Also all the ETF portfolios on the mutual fund and ETF website now have VGG. Can an explanation be provided please? It appears that the expenses are the same but the dividend is much higher for VIG.
Stanley

Read Answer Asked by STANLEY on January 12, 2022

Q: Just did a revue of my PORTFOLIO ANALYTICS and have a couple of questions as follows:
Under Fixed Income Defensive I have CBO, VGG & ZDI in my TFSA. Are these okay here or can be added to or any deleted?
Under International Allocations I have VXC, XAW, XEF, VEU & XWD in the TFSA. Are these okay as they are or shoud I be considering some changes?
Best wishes for the New Year and thanks for your great service!

Read Answer Asked by Terry on January 11, 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: Hi, currently holding these Cad ETFs in RSP. What would be the best equivalent ETF's to buy in the US if I were to convert my holdings to USD and buy the US ETF. Looking for equivalent exposure with lower MER, better tax efficiency, etc... I've included some of my choices, would these be the best ones to switch to? Other ETFs are welcome if I haven't listed them below. Thanks and Happy holidays, looking forward to a great 2022!

VGG to VIG
XEF to either VXUS/VEA/IEFA
VEE to VWO
ZUH to either XHC/VHT/XLV
VUN/VUS TO VOO

Read Answer Asked by Keith on January 03, 2022

Q: Hi, I'm looking to save and invest $X every week into the market. I could either:

1) Buy etf's as there is really no commission on the purchases
2) Buy individual stocks as the funds accumulate. Commission is only ~$5, what would be the minimum $ amount to invest so that it's worth it?

If I were to choose option 1, what would be your two or three ETF choices for either dividend growth or pure capital gains growth. Same for option 2, what two or three individual dividend growth or growth stocks would you choose to allocate capital to every week or two?

Thanks!

Read Answer Asked by Keith on November 16, 2021

Q: In my grandchildren RESP I currently own IWO and VRO. I would like to add a third ETF, which would be better VGG or ZQQ? Money not needed for 12 years. At what $ amount would you start to invest in individual stocks?
Thanks

Read Answer Asked by on November 09, 2021

Q: Am wondering which of these stocks are vulnerable to climbing interest rates. For the vulnerable ones, would you please advise at what point you would consider reducing or selling them. Also, a strategy on when and how to do such an assessment would be instructive.

Thanks for your great advice. Most of your subscribers say this regularly, but they probably really mean it ! If it weren't for 5i, I'd still be holding a bag of mutual funds not knowing how big my losses were.

Whatever number of credits works

ConsCyc US:NIO
ConsDef US:CELH
ConsDef US:COST
Enrgy CPX
Enrgy AQN
ETF VGG
FinSvcs RY
FinSvcs US:V
FinSvcs SLF
FinSvcs US:MCO
FinSvcs GSY
FinSvcs BNS
FinSvcs US:BAM
FinSvcs US:JPM
Heal US:MDT
Heal WELL
Ind US:RTX
RealEst US:RDFN
Tech SHOP
Tech KXS
Tech US:MSFT
Tech US:CRWD
Tech US:U
Tech US:CRM
Telco BCE
Telco T
Util US:BEP
Util CU

Read Answer Asked by TOM on October 08, 2021

Q: About 1 year ago you provided some general guidance on a retirement portfolio and Iím wondering what changes, if any, you might recommend given another year has passed. Iím not looking for specific guidance but rather suggestions for me to investigate further given how the investing landscape has changed this past year. Retirement horizon is 5 years and the portfolio has the following holdings: ZAG(26%), ZSP (3%), CDZ(65%), ZEA(6%). We have a large cash position that weíre ready to deploy. First, what is your take on the viability and allocation of the current holdings? Second, what are some ETF suggestions for the cash - add to existing ETFs or do you have alternative funds youíd recommend for us to investigate. Thanks so much!

Read Answer Asked by Warren on October 04, 2021

Q: Hi
in regards to the Balanced ETF model portfolio, which ETFs that trade in USD would you recommend in place of VGG and ZSP?
I assume that both of these ETFs provide dividends and would best be held in an RRSP - is that right?
thanks

Read Answer Asked by Mary on August 16, 2021

Q: Hi Peter, Ryan, and Team,

We need to increase our US exposure and wish to do this in our non-registered account. We're considering CUD and VGG as we'd rather use ETFs. (Our broker allows us to buy and sell CUD with zero commission, and not so with VGG, but this wouldn't be a 'make or break' reason for choosing one over the other). What would your recommendation be when considering tax efficiency, performance, volatility, and other important metrics? I do like that CUD has a relatively low weight in Technology, as our Canadian holdings like CSU, ENGH, KXS, TOI, etc. have done so well, and we're now overweight in this sector, thanks to 5i. :) Also, if there are any other US ETFs sold on the TSX that you think we should consider, we'd appreciate that info as well.

Thanks in advance for all your assistance and wise counsel.

Read Answer Asked by Jerry on August 06, 2021

Q: Hi, I've sold IYW for a decent gain in a US rsp account. I would like to consider 2 US stocks with reasonable dividend. I currently hold ICLN and RBLX as US stocks. Can you suggest a few US dividend stocks or ETF to consider? Thanks.

Read Answer Asked by Dan on July 26, 2021

Q: If you were adding a dividend producing ETF to a pipeline, insurance and bank-focused portfolio (North American bias), which ETF would you use for:
a) dividend/total return
b) diversification?

Read Answer Asked by David on July 26, 2021

Q: Youíve mentioned that you generally like to keep single ETF exposure to 15%. Since VGG and VGH invest in the same underlying ETF (VIG), should I keep exposure to 15% between them, or could they each still be 15%?

Thank you.

Read Answer Asked by Alan on July 07, 2021

Q: This is a list of the ETF's in my portfolio, (I have omitted the fixed income ETF's that comprise of about 20%).

Do you see any issues with the selection? Any overlap? Perhaps there are better alternatives than the ones chosen.

Thanks for the great service.

Read Answer Asked by Robert on June 30, 2021