Q: I have been doing monthly periodic purchases of VGG since January 2025. I clearly picked wrong (as usual) and should have gone with VHG (hedged version). I continue with monthly periodic purchases (even though my investor fear says not too), but should I switch and start purchasing VGH instead ? Am I cancelling out any future returns by doing so ?
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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.
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iShares Russell 2000 Growth ETF (IWO)
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Vanguard FTSE Developed All Cap ex North America Index ETF (VIU)
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Vanguard U.S. Dividend Appreciation Index ETF (VGG)
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Hamilton Enhanced Multi-Sector Covered Call ETF (HDIV)
Q: Could you suggest for a RSP portfolio, starting from a cash balance of 150K, an array of 5 ETFs, covering Canadian and US/International sectors.
Would VGG selling in CAD qualify for the exemption of US taxes, or does it need to be a US traded ETF to qualify.
Take as many questions credit as needed.
Thank you.
Would VGG selling in CAD qualify for the exemption of US taxes, or does it need to be a US traded ETF to qualify.
Take as many questions credit as needed.
Thank you.
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iShares S&P/TSX Canadian Dividend Aristocrats Index ETF (CDZ)
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Vanguard U.S. Dividend Appreciation Index ETF (VGG)
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Invesco BuyBack Achievers ETF (PKW)
Q: Good day! Could you please recommend a couple of income etfs with a bit of growth for an unregistered account? Etfs with no ROC please and a reasonable expectation of preservation of capital.
Thanks in advance!
Thanks in advance!
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iShares S&P/TSX Canadian Dividend Aristocrats Index ETF (CDZ)
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Vanguard U.S. Dividend Appreciation Index ETF (VGG)
Q: What do you recommend for an ETF or actively managed fund which holds high quality (blue chip) stocks, and pays out some dividends?
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iShares Russell 2000 Growth ETF (IWO)
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iShares Canadian Growth Index ETF (XCG)
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iShares Core S&P/TSX Capped Composite Index ETF (XIC)
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iShares S&P/TSX SmallCap Index ETF (XCS)
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Vanguard U.S. Dividend Appreciation Index ETF (VGG)
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Vanguard U.S. Total Market Index ETF (VUN)
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Vanguard Growth ETF (VUG)
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iShares Core Equity ETF Portfolio (XEQT)
Q: Looking of some growth ETF suggestions for my non-registered account, hold for at least 5 years.
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BMO Equal Weight Utilities Index ETF (ZUT)
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iShares S&P/TSX Canadian Dividend Aristocrats Index ETF (CDZ)
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Vanguard U.S. Dividend Appreciation Index ETF (VGG)
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Vanguard Dividend Appreciation FTF (VIG)
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Vanguard Global Minimum Volatility ETF (VVO)
Q: After a "crack", and during a potentially persistent bear market, could you suggest some US and Canadian dividend ETFs ( whether standard, enhanced,or even cover call etfs if indicated ),that could maintain more stable revenues during uncertain economic periods ?
Q: Is there any withholding tax on an ETF like VGG in a TFSA when you sell it?
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BMO S&P 500 Index ETF (ZSP)
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iShares Core Canadian Universe Bond Index ETF (XBB)
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iShares S&P/TSX 60 Index ETF (XIU)
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Vanguard FTSE Developed All Cap ex North America Index ETF (VIU)
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Vanguard FTSE Emerging Markets All Cap Index ETF (VEE)
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Vanguard U.S. Dividend Appreciation Index ETF (VGG)
Q: Hi. I recently transferred $20,000 into my RRSP Direct Investing account. I would like to invest the money into some quality ETFs, perhaps three or four. I know you are not clairvoyants, however based on geo-politics and recent tariff threats, which ETFs (either Canadian, American or other parts of the world) would you invest in at this particular time. It would be for a 2/3 year hold. Thanks for the advice in advance.
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BMO S&P 500 Index ETF (ZSP)
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iShares Core Canadian Universe Bond Index ETF (XBB)
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iShares S&P/TSX 60 Index ETF (XIU)
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Vanguard U.S. Dividend Appreciation Index ETF (VGG)
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Vanguard Balanced ETF Portfolio (VBAL)
Q: A friend is several years from retirement and is in this (quite good) finanical situation: a teacher who will get an Ontario Teachers' indexed DB pension, CPP and OAS. Owns a modest home in Toronto with no mortgage. No dependents. No debt. Can supplement income after retirement by continuing to teach at about a 20% course load. These income sources would more than cover her living expenses.
She also has an RSP that is currently managed by a financial advisor and holds mutual funds. Friend is asking if she should leave the advisor due to fees and his very conservative management. The RSP has underperformed the markets for an extended period. He sold her holdings at COVID bottom "to avoid further losses" and has said that "at her age" (about 60) she should stay away from equities and hold money market funds or bonds. Since my friend is not financially sophisticated, but is interested in learning, I am thinking a self-directed RSP holding several ETFs might be an alternative for her. Could you suggest three to five ETFs that would provide more growth potential in the 8 to 10 years before mandatory RIF conversion.
She also has an RSP that is currently managed by a financial advisor and holds mutual funds. Friend is asking if she should leave the advisor due to fees and his very conservative management. The RSP has underperformed the markets for an extended period. He sold her holdings at COVID bottom "to avoid further losses" and has said that "at her age" (about 60) she should stay away from equities and hold money market funds or bonds. Since my friend is not financially sophisticated, but is interested in learning, I am thinking a self-directed RSP holding several ETFs might be an alternative for her. Could you suggest three to five ETFs that would provide more growth potential in the 8 to 10 years before mandatory RIF conversion.
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Enbridge Inc. (ENB)
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Canadian Natural Resources Limited (CNQ)
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Intact Financial Corporation (IFC)
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WSP Global Inc. (WSP)
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TFI International Inc. (TFII)
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Vanguard U.S. Dividend Appreciation Index ETF (VGG)
Q: I need to raise some money and own these stocks in an investment account, VGG is about 50% of the account.
I would like to sell 1 or 2. In your opinion which 1 or 2 should I sell?
I would like to sell 1 or 2. In your opinion which 1 or 2 should I sell?
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BMO S&P 500 Index ETF (ZSP)
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Vanguard U.S. Dividend Appreciation Index ETF (VGG)
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SPDR S&P 500 ETF Trust (SPY)
Q: Hello 5i Team,
Currently building out a small portfolio for my son, with a VERY long time horizon (30 years +). Looking to add U.S. exposure, but instead of picking individual names, I thought I would do this through an ETF or two. Was considering putting 50% of the US exposure into SPY, and the other half into VGG. An alternative to SPY would be ZSP, which I can buy in Cdn. dollars in Toronto. Your thoughts on this strategy and the allocations?
Thanks very much!
Currently building out a small portfolio for my son, with a VERY long time horizon (30 years +). Looking to add U.S. exposure, but instead of picking individual names, I thought I would do this through an ETF or two. Was considering putting 50% of the US exposure into SPY, and the other half into VGG. An alternative to SPY would be ZSP, which I can buy in Cdn. dollars in Toronto. Your thoughts on this strategy and the allocations?
Thanks very much!
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BMO MSCI USA High Quality Index ETF (ZUQ)
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BMO S&P 500 Index ETF (ZSP)
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BMO S&P/TSX Capped Composite Index ETF (ZCN)
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iShares Canadian Growth Index ETF (XCG)
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Vanguard FTSE Canadian High Dividend Yield Index ETF (VDY)
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Vanguard U.S. Dividend Appreciation Index ETF (VGG)
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Vanguard Balanced ETF Portfolio (VBAL)
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Vanguard Growth ETF Portfolio (VGRO)
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Vanguard All-Equity ETF Portfolio (VEQT)
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iShares Core Balanced ETF Portfolio (XBAL)
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iShares Core Growth ETF Portfolio (XGRO)
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iShares Core Equity ETF Portfolio (XEQT)
Q: Following up on Harrison's RESP question from February 10th, I'm seeking advice on ETF recommendations for my grandson's RESP. He turns two in March 2025, giving him approximately 16 years until he'll need the funds.
I appreciate your ETF recommendations, particularly the split between Canadian and US markets (VGG, ZSP, ZCN, XCG, VDY). I'm also considering ZUQ (BMO MSCI USA High Quality Index), but I'm wondering if it's too similar to ZSP? Your thoughts?
I do not like CDZs holdings as much.
You also mentioned two balanced ETFs in your response (XBAL and VBAL). The fixed income allocation is approximately 40% for these balanced ETFs. In contrast, XGRO and VGRO have a fixed income allocation of around 20%, and XEQT or VEQT have no fixed income. What I like about these allocation ETFs is they have some international exposure.
Considering the long-term horizon, I'm leaning towards XEQT/VEQT, which have no fixed income. My main question is whether the 20% fixed income component of XGRO/VGRO or even the XBAL/VBAL (40% fixed income) is necessary for a two-year-old’s RESP? Or are XEQT/VEQT too aggressive, considering the other ETFs mentioned?
Finally, wouldn't it be more appropriate to introduce a 100% fixed income ETF closer to the withdrawal age or perhaps three years before we start accessing the funds?
Deduct as many points as you think necessary.
As always thanks for the great advice.
Élaine
I appreciate your ETF recommendations, particularly the split between Canadian and US markets (VGG, ZSP, ZCN, XCG, VDY). I'm also considering ZUQ (BMO MSCI USA High Quality Index), but I'm wondering if it's too similar to ZSP? Your thoughts?
I do not like CDZs holdings as much.
You also mentioned two balanced ETFs in your response (XBAL and VBAL). The fixed income allocation is approximately 40% for these balanced ETFs. In contrast, XGRO and VGRO have a fixed income allocation of around 20%, and XEQT or VEQT have no fixed income. What I like about these allocation ETFs is they have some international exposure.
Considering the long-term horizon, I'm leaning towards XEQT/VEQT, which have no fixed income. My main question is whether the 20% fixed income component of XGRO/VGRO or even the XBAL/VBAL (40% fixed income) is necessary for a two-year-old’s RESP? Or are XEQT/VEQT too aggressive, considering the other ETFs mentioned?
Finally, wouldn't it be more appropriate to introduce a 100% fixed income ETF closer to the withdrawal age or perhaps three years before we start accessing the funds?
Deduct as many points as you think necessary.
As always thanks for the great advice.
Élaine
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BMO Equal Weight US Banks Index ETF (ZBK)
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BMO MSCI USA High Quality Index ETF (ZUQ)
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Global X S&P 500 Index Corporate Class ETF (HXS)
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iShares Core S&P/TSX Capped Composite Index ETF (XIC)
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iShares S&P/TSX 60 Index ETF (XIU)
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Vanguard U.S. Dividend Appreciation Index ETF (VGG)
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Global X Europe 50 Index Corporate Class ETF (HXX)
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iShares Core MSCI Canadian Quality Dividend Index ETF (XDIV)
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BMO S&P US Mid Cap Index ETF (ZMID)
Q: I have CAD to invest in Canadian-dollar denominated ETFs: (1) Canadian stocks - VGG. XIU XIC XDIV; (2) US ETFs in CAD FX - HXS ZUQ ZMID and ZBK and (3) - EU ETF - HXX. How to go about assessing one against the other. Is there a better ETF in each group you would prefer? Would appreciate guidance on which ones are keepers for long-term hold? How would you evaluate them?
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BMO S&P 500 Index ETF (ZSP)
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iShares Canadian Growth Index ETF (XCG)
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iShares S&P/TSX Canadian Dividend Aristocrats Index ETF (CDZ)
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Vanguard FTSE Canadian High Dividend Yield Index ETF (VDY)
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Vanguard U.S. Dividend Appreciation Index ETF (VGG)
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Vanguard Balanced ETF Portfolio (VBAL)
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iShares Core Balanced ETF Portfolio (XBAL)
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BMO Nasdaq 100 Equity Index ETF (ZNQ)
Q: Can you name a handful of ETF options for long term holds in my son's RESP account. Growth, dividend, and balanced. Looking for exposure in Canada and USA. I don't want the headache of managing stocks for this portfolio. I'd rather have something that I can just buy and not look at it for 15 years until he needs it.
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Vanguard U.S. Dividend Appreciation Index ETF (VGG)
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Vanguard Dividend Appreciation FTF (VIG)
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Vanguard Balanced ETF Portfolio (VBAL)
Q: Just re-asking a question from 2013 - "Hi..was wondering if there is a screener of non-eligible dividends for tax..bascially want to enusure purchasing correct ones outside of any sheltered portfolios...thanks"
Also, can you advise if VBAL, VGG, VIG have non-eligible dividends.
Lastly, pls advise if there's any way to check before stock purchase what the subcategories there will be of dividend income and interest income.
Thanks for your quick reply to my earlier questions.
Many thanks in advance.
Also, can you advise if VBAL, VGG, VIG have non-eligible dividends.
Lastly, pls advise if there's any way to check before stock purchase what the subcategories there will be of dividend income and interest income.
Thanks for your quick reply to my earlier questions.
Many thanks in advance.
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iShares Russell 2000 Growth ETF (IWO)
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Vanguard S&P 500 Index ETF (VFV)
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Vanguard U.S. Dividend Appreciation Index ETF (VGG)
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iShares Core S&P Mid-Cap ETF (IJH)
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Vanguard Total Stock Market ETF (VTI)
Q: I use VFV for my US stock exposure. Is one ETF enough or should I spread it out over 2 or more.
If more please provide some suggestions.
If more please provide some suggestions.
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Sun Life Financial Inc. (SLF)
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Pembina Pipeline Corporation (PPL)
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Acadian Timber Corp. (ADN)
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BMO Equal Weight Utilities Index ETF (ZUT)
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iShares Core Canadian Long Term Bond Index ETF (XLB)
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Vanguard U.S. Dividend Appreciation Index ETF (VGG)
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Dream Industrial Real Estate Investment Trust (DIR.UN)
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Canadian Imperial Bank of Commerce (CM)
Q: Good morning all; I've a two part question for you, First, the listed investments are in a RRIF. The current plan is to extract only dividend income, and have some modest stock growth.
I have funds for one more position and I'd like 3 of your suggestions that would add decent dividend income with modest growth of stock value.
Second question is about XLB. It was originally purchased as a post-inflation investment looking for some appreciation as rates declined. While Canada may get a bit more downward adjustment I believe Trump policy will be inflationary. What would be a sound replacement, meeting the dividend and growth goals for the account?
Thanks as always.
Dave
I have funds for one more position and I'd like 3 of your suggestions that would add decent dividend income with modest growth of stock value.
Second question is about XLB. It was originally purchased as a post-inflation investment looking for some appreciation as rates declined. While Canada may get a bit more downward adjustment I believe Trump policy will be inflationary. What would be a sound replacement, meeting the dividend and growth goals for the account?
Thanks as always.
Dave
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iShares S&P/TSX Capped Financials Index ETF (XFN)
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BMO Equal Weight Utilities Index ETF (ZUT)
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BMO S&P 500 Index ETF (ZSP)
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iShares Core Canadian Universe Bond Index ETF (XBB)
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iShares Core MSCI EAFE IMI Index ETF (XEF)
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iShares Core S&P/TSX Capped Composite Index ETF (XIC)
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iShares S&P/TSX Composite High Dividend Index ETF (XEI)
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iShares MSCI World Index ETF (XWD)
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iShares S&P Global Industrials Index ETF(CAD-Hedged) (XGI)
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iShares S&P/TSX 60 Index ETF (XIU)
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iShares S&P/TSX Capped Consumer Staples Index ETF (XST)
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iShares S&P/TSX Canadian Dividend Aristocrats Index ETF (CDZ)
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iShares U.S. High Yield Bond Index ETF (CAD-Hedged) (XHY)
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Vanguard U.S. Dividend Appreciation Index ETF (VGG)
Q: It is rare that I ask this question coming from an 84 year old senior, but all the above equal weighted ETF's are presently in my TFSA and can't decide how to invest for the 2025 contribution. Which ETF I should I be adding to the above list or should I be adding a new one that is not in the portfolio?
Also are any of those listed that do not belong in a TFSA?
Thanks for your usual great service.
Also are any of those listed that do not belong in a TFSA?
Thanks for your usual great service.
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iShares US Dividend Growers Index ETF (CAD-Hedged) (CUD)
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Vanguard U.S. Dividend Appreciation Index ETF (VGG)
Q: What would be the iShares equivalent of VGG:CA? Thank you
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iShares Core MSCI All Country World ex Canada Index ETF (XAW)
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iShares Russell 2000 Growth ETF (IWO)
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BMO S&P 500 Index ETF (ZSP)
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Vanguard FTSE Developed All Cap ex North America Index ETF (VIU)
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Vanguard U.S. Dividend Appreciation Index ETF (VGG)
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ISHARES TRUST (IUSG)
Q: Looking for investing suggestions for someone in there mid twenties that has a very good job and are just starting out investing, I was thinking buying a few ETFs that auto buy every paycheck through a big bank brokerage arm kind of set it and forget till they figure out if they want to learn more about investing. Also what would be a good basic investing book that teaches how RRSPs and TFSAs work? Is Gordon Pape still around, lol.