Q: For a mutual fund, do you think the CIBC balance index fund managed by Jacques Prevost is a good overall fund for a conservative investor? Reported returns of 6.7% for 5 and 10 years. Mer of 1.22%. I noted 25% allocation to financials. It’s in my wife portfolio and she was looking for advice. Any comments would be appreciated. Thank you!
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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.
- Vanguard S&P 500 Index ETF (VFV)
- Vanguard Balanced ETF Portfolio (VBAL)
- Vanguard Growth ETF Portfolio (VGRO)
Q: I have roughly 15% of my entire portfolio within a Taxable account. The rest is diversified within my RRSP, TFSA( Maxed) and LIF. With regards to the taxable account I would like to keep it as simple as possible taking into consideration the tax implications. I am thinking of going with an ETF or ETFs for this account. What would be the best etf's to go with and what % breakdown. The rest of my portfolio is basically 50% fixed income 50% equities,
- iShares S&P/TSX Canadian Dividend Aristocrats Index ETF (CDZ)
- Vanguard Balanced ETF Portfolio (VBAL)
Q: I have 5,000 cash in my RRSP come available. I plan to retire in 4-5 years and am looking for a reliable dividend paying stock(s) or ETF(s) to put this money into and forget about it.
Can you please provide a recommendation for this cash. Thank you.
Can you please provide a recommendation for this cash. Thank you.
Q: What is your opinion on FID 269-C?
Can this mutual fund be sold as a normal share on the market using Disnat brokerage?
Can this mutual fund be sold as a normal share on the market using Disnat brokerage?
- BMO MSCI Emerging Markets Index ETF (ZEM)
- BMO S&P 500 Index ETF (ZSP)
- iShares Core MSCI EAFE IMI Index ETF (XEF)
- iShares S&P/TSX 60 Index ETF (XIU)
- Vanguard Balanced ETF Portfolio (VBAL)
- Vanguard Growth ETF Portfolio (VGRO)
- Vanguard All-Equity ETF Portfolio (VEQT)
Q: I would like to exit my brokerage RRSP to a self directed RRSP and I am looking for 4 to 5 Canadian EFT's to provide balanced diversification across sectors, nations, Portfolio Analytics suggests 70 equities/30 fixed income. Other ideas you have to create a balanced diversified ETF RRSP would be appreciated.
Are there any strategies( eg time of year) to make the switch or just do it.
Thank you for your service.
Are there any strategies( eg time of year) to make the switch or just do it.
Thank you for your service.
- iShares Core Canadian Universe Bond Index ETF (XBB)
- iShares Diversified Monthly Income ETF (XTR)
- iShares Global Healthcare Index ETF (CAD-Hedged) (XHC)
- iShares MSCI World Index ETF (XWD)
- iShares S&P/TSX 60 Index ETF (XIU)
- iShares Global Healthcare ETF (IXJ)
- S&P 500 ETF TRUST ETF (SPY)
- INVESCO QQQ Trust (QQQ)
- Vanguard Conservative ETF Portfolio (VCNS)
- Vanguard Balanced ETF Portfolio (VBAL)
- Vanguard Growth ETF Portfolio (VGRO)
- iShares Core Balanced ETF Portfolio (XBAL)
- iShares Core Growth ETF Portfolio (XGRO)
- iShares S&P 100 ETF (OEF)
- iShares Global Comm Services ETF (IXP)
- iShares Core MSCI Total International Stock ETF (IXUS)
- Vanguard Retirement Income ETF Portfolio (VRIF)
- iShares MSCI World ETF (URTH)
Q: I am looking to finally replace the following mutual funds held in a self admin RSP account, to equivalent ETFs.
FID269 - Fid Monthly Inc;
FID5973 - Fid Global Innovation;
FID207 - Fid Global Concentrated Equity;
RBC460 - Sel Bal Ptf
TDB2760 - Td Retirement Balance
TDB652 - Td Global Entertainment & communication
TDB976 - Td Health Science
TDB2580 Td Tactical Monthly Inc
My goal is to replace these mutual funds with long term, high yielding where possible, low MER, CDN or US $ equivalent ETFs. Please provide 2 or 3 suggestions for each. Please deduct as many credit s as need.
Thank you for all the invaluable investment help you provide.
FID269 - Fid Monthly Inc;
FID5973 - Fid Global Innovation;
FID207 - Fid Global Concentrated Equity;
RBC460 - Sel Bal Ptf
TDB2760 - Td Retirement Balance
TDB652 - Td Global Entertainment & communication
TDB976 - Td Health Science
TDB2580 Td Tactical Monthly Inc
My goal is to replace these mutual funds with long term, high yielding where possible, low MER, CDN or US $ equivalent ETFs. Please provide 2 or 3 suggestions for each. Please deduct as many credit s as need.
Thank you for all the invaluable investment help you provide.
Q: Hi. Thanks for your amazing service. Dividend investor here.
What do you think of RBF 1012 for monthly income? Do you have ETFs you would prefer?
Thanks
What do you think of RBF 1012 for monthly income? Do you have ETFs you would prefer?
Thanks
Q: Ntoing it is at a 52 week low. What are your thoughts on this one ...I am mostly interested in a safe income generator over 6% ...if not this, another ETF suggestion ??
- S&P 500 (SPX)
- iShares Core U.S. Aggregate Bond ETF (AGG)
- Vanguard Balanced ETF Portfolio (VBAL)
- RBC U.S. Monthly Income Fund Series A (RBF503)
Q: I am looking for low to medium risk USD investments like RBC's US monthly Income Fund other than straight bonds and GICs. Any suggestions?
- Vanguard Dividend Appreciation FTF (VIG)
- S&P 500 ETF TRUST ETF (SPY)
- Vanguard Balanced ETF Portfolio (VBAL)
- Vanguard Growth ETF Portfolio (VGRO)
Q: My husband and I are in our early 60’s. We do not have a company income. The bulk of our assets are in my RRSP and LIRA accounts.
We are converting his RRSP to a RRIF and my LIRA to a LIF this year and waiting until I am 65 to convert my RRSP so we can take advantage of pension splitting.
We are conservative investors and just want to keep up with inflation.
Would you please suggest a few ETF’s for diversification and a few income ETF’s for our LIF, RRIF and my RRSP accounts. If there are stocks you would would like to include that would be appreciated. Thank you.
We are converting his RRSP to a RRIF and my LIRA to a LIF this year and waiting until I am 65 to convert my RRSP so we can take advantage of pension splitting.
We are conservative investors and just want to keep up with inflation.
Would you please suggest a few ETF’s for diversification and a few income ETF’s for our LIF, RRIF and my RRSP accounts. If there are stocks you would would like to include that would be appreciated. Thank you.
- iShares Russell 2000 Growth ETF (IWO)
- iShares Core S&P/TSX Capped Composite Index ETF (XIC)
- Vanguard S&P 500 Index ETF (VFV)
- Vanguard Balanced ETF Portfolio (VBAL)
Q: Hello,
I am opening a RESP account for my 6month old son. In your opinion, is it better to invest in Stocks or ETFS? Can you please also provide me a top 3 stocks or ETFS in your mind?
Thanks!
Kelly
I am opening a RESP account for my 6month old son. In your opinion, is it better to invest in Stocks or ETFS? Can you please also provide me a top 3 stocks or ETFS in your mind?
Thanks!
Kelly
- Vanguard Conservative ETF Portfolio (VCNS)
- Vanguard Balanced ETF Portfolio (VBAL)
- Vanguard Growth ETF Portfolio (VGRO)
Q: Good morning. I was wondering if you could recommend an ETF that is conservative with some growth and also having a world wide focus.
Thank you for all your outstanding investment information. I couldn't invest without you.
Thank you for all your outstanding investment information. I couldn't invest without you.
- BMO Canadian Dividend ETF (ZDV)
- BMO US Dividend ETF (ZDY)
- Purpose International Dividend Fund (PID)
- Dynamic Active Global Dividend ETF (DXG)
- Vanguard Balanced ETF Portfolio (VBAL)
- Horizons Balanced Asset Allocation ETF (HBAL)
- iShares Core Balanced ETF Portfolio (XBAL)
Q: Greetings once again and my continued thanks for your steady hand. Can you please suggest an array of balanced fund or high grade dividend fund etfs which can give me exposure to Canada, USA and the rest of the world, in roughly equal portions. KIndest regards, Al
- Vanguard S&P 500 Index ETF (VFV)
- Vanguard Balanced ETF Portfolio (VBAL)
- Vanguard Growth ETF Portfolio (VGRO)
Q: What might you suggest for the following situation?
There is $27,000 held in registered accounts with an expectation to augment those savings at a rate of about $1,100 per month to address two prime objectives. The first is to accumulate sufficient funds for a down payment on a condo within five years. The second is to adequately augment savings for retirement, hopefully, 16 years from now.
A financial advisor is suggesting investing in a low risk, balanced fund with a MER of 1.9%. The management fee seems high and the expected return from the investment not particularly exciting. We have a relatively low threshold for risk, especially for those funds earmarked for retirement, but are willing to try something other than a balanced fund to improve returns. Taking on additional risk is especially palatable for that portion of the savings earmarked for the condo purchase, likely about 50% of the overall savings.
Thanks in advance for your input.
There is $27,000 held in registered accounts with an expectation to augment those savings at a rate of about $1,100 per month to address two prime objectives. The first is to accumulate sufficient funds for a down payment on a condo within five years. The second is to adequately augment savings for retirement, hopefully, 16 years from now.
A financial advisor is suggesting investing in a low risk, balanced fund with a MER of 1.9%. The management fee seems high and the expected return from the investment not particularly exciting. We have a relatively low threshold for risk, especially for those funds earmarked for retirement, but are willing to try something other than a balanced fund to improve returns. Taking on additional risk is especially palatable for that portion of the savings earmarked for the condo purchase, likely about 50% of the overall savings.
Thanks in advance for your input.
- Vanguard Balanced ETF Portfolio (VBAL)
- DFA Five-Year Global Fixed Income Fund Class F (DFA231)
- DFA Global 40EQ-60FI Portfolio Class F (DFA603)
- Lysander-Canso Corporate Value Bond Fund Series F (LYZ801F)
- PIMCO Monthly Income Fund (Canada) Series F (PMO205)
- iShares Core Balanced ETF Portfolio (XBAL)
- Vanguard Total International Bond ETF (BNDX)
Q: Is there any advantage to using ETFs rather than mutual funds in our fixed income portfolio? Presently, we have 35% in fixed income with DFA231, DFA 603, PM0 205 & LYS801F.
- Vanguard Balanced ETF Portfolio (VBAL)
- Vanguard Growth ETF Portfolio (VGRO)
- Horizons Balanced Asset Allocation ETF (HBAL)
- Horizons Growth TRI ETF Portfolio (HGRO)
- Horizons ReSolve Adaptive Asset Allocation ETF (HRAA)
Q: would this be a good fund to invest in for a young adult first investment
Q: What do you think of VBINX as a US balanced fund? I would replace my VTI with it so that I had a mix of US equity and bond exposure.
- Vanguard Balanced ETF Portfolio (VBAL)
- Vanguard Growth ETF Portfolio (VGRO)
- iShares Core Balanced ETF Portfolio (XBAL)
- iShares Core Growth ETF Portfolio (XGRO)
- BMO Balanced ETF (ZBAL)
- BMO Growth ETF (ZGRO)
Q: Hi 5i, I can see all these institutions have a all-in-one ETFs, for an RRSP account, is it the way to go for someone who is looking for stability.
Place 45% BAL, 45% GRO, and 10% Stocks (LSPD, SHOP, GOOGL, AMZN, etc).
Thank you!
Place 45% BAL, 45% GRO, and 10% Stocks (LSPD, SHOP, GOOGL, AMZN, etc).
Thank you!
Q: Do you prefer VBAL or XBAl for an RESP? Looks like XBAL has had better performance and has a slightly higher dividend 1.8 vs 2. However XBAL has 515M assest vs VBAL which has 1.4B assets. Does this make XBAL riskier? Which would you choose?
- Horizons Active Global Dividend ETF (HAZ)
- iShares Global Monthly Dividend Index ETF (CAD-Hedged) (CYH)
- iShares Core MSCI Global Quality Dividend Index ETF (XDG)
- Vanguard Balanced ETF Portfolio (VBAL)
- Horizons Balanced Asset Allocation ETF (HBAL)
- iShares Core Balanced ETF Portfolio (XBAL)
Q: Hi, I’am retired,(65) looking for a global dividend ETF . I have no U.S. or International exposure no bonds, only Canadian stock, so thinking to spread out a little. Do you have a go to all in one etf that pays 2%+ while you wait ( 6-8) years+.
I was looking at XDG ,good mer, good div. 3.4%, global holdings 56% U.S. etc. But not sure if it’s a good long term hold?
Would like your opinion on an etf that you like
Thanks
I was looking at XDG ,good mer, good div. 3.4%, global holdings 56% U.S. etc. But not sure if it’s a good long term hold?
Would like your opinion on an etf that you like
Thanks