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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 one already has a 10% weighting in ITOT would an additional position in a small cap fund be warranted? Which ETF is preferred for small cap exposure and why - IJR or IWM? It appears IJR has outperformed on all timelines. Is this due to its more concentrated approach? Is there a global small cap etf that is recommended?

Read Answer Asked by Matthew on June 02, 2023

Q: What are the Can ETFs that cover the main US ETFs, like SPY? And what are their mers?

What are the advantages of using these Canadian versions?

Do you still require W-BEN forms if you buy these?

Thanks for all your help.

Read Answer Asked by Mark on October 28, 2021

Q: My sister just pulled out of Questrade's Robo account to a self-directed account. She planned to buy basic 4 index ETFs in order to keep things simple (XIC for Canadian (30%), XUU for US (35%), VIU for Europe (20%), and VEE for emerging markets (15%)).

However, when the funds appeared, we found two thirds of it was in CAD and one third in USD. It seems inefficient to convert it back to CAD and buy those funds. So we're thinking of buying the US equivalent ETFs for XUU and perhaps VIU and VEE.

Can you give us the US equivalents of these funds. If you have any advice on our strategy here or the funds I've mention (eg. whether iShares or Vanguard is preferable in these areas) feel free to add your wisdom which I so much value as a member.

Read Answer Asked by Kevin on August 09, 2021

Q: Hi,

I'm a medium risk investor with a 5 year time frame.

Can you recommend 3 US ETFS to cover the whole US Market?
And 3 to cover the whole CDN market?
and 1 ETF to cover the international market?

Read Answer Asked by Graeme on March 30, 2021

Q: What is your view on a core portfolio of the following ETFs: IEMG (12%), IEFA (23%), ITOT/ VFV (40%). The US ETFs would be in RRSP to minimize fees and withholding taxes while VFV would be in a TFSA. Both accounts would be supplemented with individual stocks from the 5i balanced/growth portfolios and a select few US stocks (CRWD, U, SQ, PINS, PLTR, NVDA) for Canada/growth exposure. Do you prefer Vanguardís comparative US ETFs over the ones mentioned or are you largely indifferent? Thanks!

Read Answer Asked by George on February 09, 2021

Q: Hi

In my RRSP would it be wise to replace VGG, ZDY, and ZWH with ITOT.

Looking for lower fees and growth.

Thank you


Read Answer Asked by Mike on June 04, 2020

Q: Hi
Would it be a wise to replace the 4 mentioned above with ITOT in my RRSP.

Thank you Mike.

Read Answer Asked by Mike on June 02, 2020

Q: Hi Peter & 5i,
Which of these 2 ETF's would you prefer and why, or if you have any other that is better, would be much appreciated. Thanks for your wonderful service. Stay safe. Ivan

Read Answer Asked by Ivan on May 28, 2020

Q: Hi Peter, Ryan and 5i,
Could you please give me a list of at least 5 US Listed ETF's (Total Market) for a Lira account with at least 10 year hold.
Thanks as always for your expert advice. Ivan

Read Answer Asked by Ivan on February 11, 2020

Q: From a tax perspective, does it make a difference where I hold XUU? I'd like to put it in a non-registered account but I'm wondering whether there is a tax benefit to put it in my RSP.


Read Answer Asked by Robert on January 20, 2020

Q: I've read that total market ETF's such as ITOT include a component of unprofitable small caps that can cause a drag on performance. It was recommended instead to go with an S&P 500 ETF suchs as VOO, and supplement this with a mid/small cap ETF that follows an index that screens out low profitability, such as IJS or IUSV. What's your opinion of this strategy?

Read Answer Asked by Camille on April 17, 2019