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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: If you were setting up a diversified unregistered account for yourself from scratch using US ETFs today, for a long-term hold:

How would you approach this?
What would ETFs would you pick?
What percentage would you put in each?

Please charge multiple questions as needed. Thanks very much.
Read Answer Asked by Chris on July 18, 2025
Q: what is the annualized return of SPY, QQQ and XIC over the last 20 years. I thought I read an answer where you said the S&P only was 2% including dividends which seems too low.
Read Answer Asked by Cheryl on July 10, 2025
Q: Hi Gang
What are your top 4 tech ETFs

Thanks Mike B
Read Answer Asked by Mike on July 09, 2025
Q: Have had XCD for years and done ok. I’m looking to trim/replace on theory consumer spending is not as robust and there are etfs in better sectors going forward. Can you name a few sectors and best etfs that will be better performers going forward.
Read Answer Asked by Craig on July 08, 2025
Q: Hi 5i
My grandson lives in U.S. and has a recent inheritance. He is asking what ho might invest in for a quite long term hold. I am suggesting a Nasdaq ETF, a S&P ETF and north American banks/financials ETF. What would be your top picks in these categories?
Read Answer Asked by Guy R. on July 07, 2025
Q: If you were only to buy 3 ETF's and a couple of high convictions stocks. Which 3 ETF's would you pick. No fixed income please.
Read Answer Asked by Cheryl on July 04, 2025
Q: Hi team. A few months ago I asked about the best stocks and/or ETFs for my 32 year old son to invest $12K of RRSP $. We didn't get to this yet.... In the past you recommended a few ETFs. What would you recommend today. I'll help him get this invested through a self directed plan next week. Thank you!
Read Answer Asked by Kathryn on July 03, 2025
Q: Good afternoon! I am a newbie to this site and am so excited to be part of the 5I community! My parents have been enjoying 5I for many years and are so thankful for the portfolio advice and great stock recommendations! I have now setup my portfolio and ran into some issues with the portfolio analysis. The P/E for some holdings seem inflated eg QQQI is 65. How is P/E calculated? And long-term expected return of current portfolio?

Thanks! Kevin
Read Answer Asked by Kevin on June 20, 2025
Q: Can you please comment about ETFs that short the QQQ. I see that SQQQ has a market cap of $2.78B compared with $651M for PSQ; is SQQQ the best choice at 4x the size? SQQQ and PSQ apparently pay high dividends, is that really the case? Finally, with QQD's market cap of only $59M, is this ETF just too small to consider?
Thanks!
Read Answer Asked by Grant on May 20, 2025
Q: can you recommend a canadian ETF that invests in Tech or would you prefer an American ETF
Read Answer Asked by hal on April 28, 2025
Q: What ETF would you buy to be long the market in this volatile environment (moderate risk - some income if possible)? If you can suggest 3 with a brief comment that would be great. Thank you.
Read Answer Asked by Pierre on April 10, 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: GRNY ETF by Tom Lee. Can you give us your thoughts? Underperformance this week. He is the eternally optimist but seems to have a decent understanding of what is impacting the markets. Let me know you thoughts.
Read Answer Asked by Don on April 07, 2025
Q: My mortgage is coming due at a much higher rate than it has been for the past 5 years, so given the current economic uncertainty, I’ve decided to sell half of my unregistered portfolio to pay it off. I understand this will incur tax, and I’m prepared for that. Here are my holdings—please advise on the optimal order of selling to ensure the remaining portfolio is defensive, particularly against tariffs and economic uncertainty. I'm open to the cheese slicer method across some or all stocks. Please deduct credits as you see fit. Thank you!
Read Answer Asked by Kim on February 25, 2025
Q: Hello, 1.How does one protect them selves from large market crashes?
2. If one were to start a portfolio with only index funds, etfs which are the ones you would suggest. Maximum 5 etfs. Thanks.

Shyam
Read Answer Asked by Shyam on February 19, 2025
Q: I am looking at VTI or QQQ for a long term hold in my RRSP. I have read that value has outperformed growth over the long term, so VTI would be better as it’s a large-cap blend instead of growth ETF (QQQ). Do you expect growth to outperform value or vice versa over the next 25 years?
Read Answer Asked by Austin on February 18, 2025
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