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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: I understand that the VOO is likely to be extremely tax efficient.
If I only had a USD NonReg account would you expect VFV and VSP to be just as tax efficient as VOO?
Read Answer Asked by Ian on May 06, 2026
Q: I've been asked to help my 20 yo niece with her recently opened TFSA and hard-earned $21K contribution. Sticking with ETF's and CAD in these early days of her investing journey, I'm asking for your thoughts on best CDN ETF representations for SP500, Nasdaq 100, Dividend Growth (USA), Small Cap Growth (USA), TSX 60 and International developed large cap. I'm thinking a 70/20/10 allocation USA/CDA/INTL, would you find this appropriate? Thank you.
Read Answer Asked by Tony on March 20, 2026
Q: Can you help me understand why one would hold a company like Amazon with a 10% return in the last 12 months and 40% increase in the last 5 years compared to an ETF like VOO with a 20% return in the last 12 months and 73% increase in the last 5 years?

Where I struggle is, why take on the added risk of holding an individual stock compared to a diversified ETF? Clearly it’s shown to out perform the individual stock.

I understand holding both are likely ideal, but can you provide a reason to not sell Amazon and add to VOO? Thank you
Read Answer Asked by Nick on March 11, 2026
Q: I am having trouble deciding between market weighted versus equal-weighted ETF's.

Is it true that equal weighted portfolios often have a higher Sharpe ratio (better risk-adjusted return) but exhibit higher volatility (roughly 10% more) than market-cap weighted ones?
Read Answer Asked by Ernest on February 26, 2026
Q: Would like to get some guidance. I have ~$250K cash in a LIRA and would like to invest it in an ETF. I would like some guidance in terms of which ETF I should invest in. Should I invest in VFV or VOO?

In the long run, which one is a better investment choice for a Canadian, considering foreign exchange rates, MER, fund performance and dividend withholding taxes?

Based on my research a LIRA is exempt from the US withholding tax, similar to a RRSP.

Also, aside from the factors above that I’m considering, from your perspective are there any other pertinent factors that I’m missing?
Read Answer Asked by Sal on January 17, 2026
Q: Can you recommend a few US-listed ETFs for a US citizen living in Canada with a Canadian investment account (to avoid problems caused by US PFIC rules)?
Mainly looking for ETFs to track the main indexes.
Thanks.
Read Answer Asked by Martin on December 15, 2025
Q: good afternoon - I'm looking for US ETF's and have held VOO for some time. Can you suggest three or four different sector ETF's you feel are worthwhile. Should I diversify or just add to VOO (which is up bigly). Many thanks
Read Answer Asked by alex on September 23, 2025
Q: Which ETF do you feel compliments VOO the most? This would be for my RRSP. Also, I’m 15 years from retirement.

Your top 3 in order preferably?

US/CND/international/All world.. doesn’t matter.

Thank you
Read Answer Asked by Nick on August 25, 2025
Q: I am looking to put a portfolio of ETF's together to provide exposure to the total US market as well as some limited International exposure. I would like some FX protection hence the inclusion of some hedged ETF's.

For the US segment - I came up with the following holdings
VOO - 50%
ZAA - 20%
ZMID.F - 10%
VIOO - 10%
VIG - 10%

For the International Segment - I am looking at ZDM

Do the ETF choices and mix look reasonable to you - any other suggestions.
Thanks
Read Answer Asked by Gary on August 11, 2025
Q: Trump’s pro-U.S. policies (tariffs, tax cuts, deregulation) are driving U.S. market growth. What would the best US dollar etf's be to take advantage of this growth. This will be held in a unregistered account. TY!

Derek
Read Answer Asked by Derek on May 20, 2025
Q: A large portion of my portfolio is VOO, QQQM and SCHD. Would you recommend buying QQQ, VOO or SCHD when they are currently available for less from their highs?
Read Answer Asked by Don on April 07, 2025
Q: Hi I currently hold VOO. Would you consider selling for COSTO with its recent decline? I understand it’s difficult to compare ETFs and stocks, but looking for the greatest growth return long term. Do you feel COSTO could drop further in this market? If so, entry point? Thank you
Read Answer Asked by Nick on March 10, 2025
Q: Can you please share your favourite ETF for Dow Jones, S&P500 and TSX

Please share in CDN dollars hedge and unhedged. Plus in USA dollars

Thanks for the great service.
Read Answer Asked by Hector on February 25, 2025
Q: Mr Warren Buffet has recently sold his entire positions in SPY and VOO.. Can you explain or help rationalize this move?

I currently hold VOO. Would you consider these ETFs a BUY/HOLD/SELL?

Thank you for your time. Cheers
Read Answer Asked by Nick on February 18, 2025
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