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Investment Q&A

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Q: My portfolio review tells me that I need to add 20% to the international portion of my current holdings. At the moment, I hold only ZDM. Should I add to that or do you have another recomendation? I also need an Emerging Market ETF recomendation for diversification.
Read Answer Asked by Michael on October 07, 2019
Q: I have most sectors covered thanks to your Portfolio Analytics. Thanks so much. However I have a very large and growing allocation in Vanguard Dividend Appreciate (VIG:US). My international investments (non-US) are small and need a boost. What would you suggest I do to diversify internationally using ETFs?
Read Answer Asked by John on August 09, 2019
Q: these 4 holdings are held in equal weight in a RRSP account and have some US cash and wonder what you think the best ETF would be to complement what is currently owned?
Thanks
Read Answer Asked on July 15, 2019
Q: Hi Peter, Ryan and team,
I have $45K in Canadian locked in fund. I can't withdraw for at least 20 years. I am looking to grow my fund by mainly investing in ETF and some growth stocks. Can you please suggest diversify list of ETF ( Canadian, US and International)and stocks with sugested percentage for such a time horizon. I don't mind short term market functions.
Thanks,
Read Answer Asked by Yousef on June 11, 2019
Q: Good day 5i and happy Easter to all.my current allocation to global equity is 25%of which 7% is mpcf and 18% xdg..I am retired with a divided and growth profile.do you like mpcf as a so called way to have an alternative weight to portfolio or as I am considering dropping it in favour of more yield and add to xdg? And also do you think xdg offers good value at 21$ or would you wait for a pull back? Your input geatly appreciated.tks Larry
Read Answer Asked by Larry on April 23, 2019
Q: Trying to get a bit more geographic diversification in a TFSA account that is, at present, all Canadian equities. Would you suggest something like HXS for US diversification with the swap arrangement to limit tax implications? Or would something like VGRO make more sense with greater geographic diversification and a little fixed income?

Thanks for the great service,

Doug
Read Answer Asked by Doug on February 13, 2019
Q: Hi,
I want to increase my US and International equity exposure by using $US ETFs (VIG and VXUS respectively) but the Canadian dollar is pretty weak right now (improving slightly lately). Does it make sense to convert to $US for this investment (long-term horizon) when there could well be significant headwinds if the Canadian dollar continues to strengthen. Also, valuations are higher in the US than in Canada, but International looks to be relatively cheap. Thoughts on how to proceed?
Regards, Michael
Read Answer Asked by Michael on February 05, 2019
Q: Hi Peter, Ryan & Team
In addition to my current 5i Balanced portfolio I want to build an additional RRSP ETF portfolio.Time horizon 3-5 Years and my risk level is moderate.
I am thinking to invest in the following ETF. Appreciate you advise on the distribution, concentration and risk level.
XMD 30%
VUN 20%
XIU 10%
VEE 10%
VXUS 10%
IXC 10%
IWO 10%

Thanks,
Read Answer Asked by Yousef on January 29, 2019
Q: Hi there, I asked a question a little while ago about the BE Portfolio and diversity. Another member asked a follow up question where you suggested this breakdown:

"Allocations need to be highly personalized; a suggestion might be: 35% BE, 15% XIC; 40% VFV, 10% VXUS."

Is there a TSX listed ETF that would be similar to VXUS?

Thanks!
Read Answer Asked by Michael on December 07, 2018
Q: From your answer on November 23rd:
No, an individual would still need to hold global exposure to the US, europe and emerging markets as well as fixed income. In terms of Canadian exposure, we would be pretty comfortable with the portfolio as a more growth-tilted proxy to Canada but an investor may want to overlay one Canadian broad ETF just to smooth out the volatility a little, depending on portfolio size. This, or adding a selection of larger company stocks, would help overall diversification.

Can you suggest % or guidelines on each type of exposure to have a well-diversified portfolio? (US, Europe, emerging markets, fixed income, Beport, one Canadian broad ETF or larger company stocks).
Thank you
Read Answer Asked by Serge on November 30, 2018
Q: Which etf's or index funds would you use today to allocate $100k in a Canadian registered acct. for a longer term hold and in what proportion?
Thanks.
Read Answer Asked by Tim on November 21, 2018
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