Investment Q&A

Q: Today, on a risk scale of 1 to 10, 10 being high risk, where would you place a portfolio of 3 parts vbal and 1 part vcns for an 89 and 83 year old couple? Funds should never be required for use, other than being transfered as an inheritance. If wanting to decrease risk a bit, would a one year gic for say 25% be the best idea or?

Q: Good morning,


I am not crystal clear on the most tax efficient account to hold each of the above listed ETFs and before moving any of them to another type of account, I would very much appreciate your guidance on the most tax efficient type of account to hold each of the above listed ETFs.

The above listed ETFs are all held in our family Registered (RRSP/TFSA/RESP) and Non-Registered accounts.

Thank you and I'll await your sage advice.

Q: Thanks to Peter, Ryan and the 5i Team, my portfolio has recovered from the Tech Wreck of 2022. Much of this is due to my holdings in Nvidia and SMCI. I have been trimming some along the way up, but Nvidia is now over 12% and SMCI is over 6% of my portfolio. This time around, I'd like to hold on to my gains (unlike in 2022).

My questions are: What "sleep at night" ETF or stock might you suggest to put some of my profits into (sector doesn't matter)? Also, what percentage of your holdings would you be comfortable with SMCI going to?

My pension covers my living expenses, so I am able to take a little more risk.

Thanks,

Brad

Q: Hi Folks,
I am looking suggestions for my non reg account,
I currently have 7% weighting in HHL and 7% in ZWE. I am close to retirement age.
Also is there a website that indicates whether the income from etfs/ stocks are dividends or interest.
Cheers

Cheers

Q: Hi, looking to invest 70,000 in two etf’s one Canada one U.S in a rrsp. (or two U.S. etf’s as I have no U.S holding yet)
Two suggestions that are a conservative sleep at night, and longer term hold, with a 2+% dividend.
Also would like to have if possible a balanced sector allocation. I already have lots of financial and oil- gas stocks, which is heavy in Canada.
Hope this makes sense?
Thanks

Q: Good Afternoon,

When using the 60/40 etfs (VBAL, XBAL, ZBAL) in an RRSP, what would you consider to be the most prudent way of splitting up +$100,000 for a long term hold (30-40 years)?

Ie:
100% in one etf?
50/50 split between two etfs?
3 way split between three etfs?

And in general, at what dollar value in a single 60/40 etf do YOU start to feel uncomfortable?

Thank you!

Q: If one was to anchor their RRSP portfolio with VBAL which is a 60 equity/40 fixed income split, but would like to be more 70/30. Would you add another ETF or two to achieve the desired weightings? Does this strategy make sense? What would be Five i's thoughts and suggestions.

Thank you

Q: Our 19 year old daughter has funds to maximize her first TFSA contribution, and to start contributing to a FHSA. Her profile is conservative. What advice would you give her? Which companies or other instruments do you think she should consider?

Q: Hello, I am helping my 25 year old daughter put together a sleep at night portfolio. She is not a hands on or active investor.

She has about $ 100K and of these selections which ones would you suggest? And, what else would you recommend?
in Addition to Canada, I want US exposure with ZSP, especially with the potential growth of AI.
Thanks
Carlo

Q: With say $1M in a self-directed portion of a RRSP converted to a RRIF in one year (2025), and two-thirds in CDN$ and one-third in US$ would you see any issues with the CDN$ split between HBAL and VBAL and the US$ into VIG? Your thoughts and alternate suggestions please.

Happy Holidays to all at 5i.

Q: RESP allocation for 10 & 12 year old kids is currently 100% in VEQT. If it were your account, at what ages would you consider transitioning to VGRO and then VBAL if money was required in 6-8 years. I realize there isn’t a right answer and purely subjective.
Thanks

Q: My daughter has opened her First time Home buyer Savings Account with the intent to wait 1 ½ to 2 years until she will be ready to purchase her first home. Do you have any ETF's you would like to suggest ?

Q: Good morning,

Q1. Could you please share your thoughts on the appropriateness of both of these funds or any other you may wish to recommend for a single 75 year old retiree with $200,000 in a TFSA ($88,000 and the balance ($112,000) in a Non-Registered account?

Q2. Do you have a preferred ETF and/or mutual fund that has the potential of distributing 4% to 5% for the next 15 years with no legacy concern?

Thank you.

Q: Hello 5i,

If you were to start a 15,000 USD TFSA which 3 funds would you start with?

Thank you

D&J

Q: I am transferring a work RRSP in cash and need to invest the proceeds. $80k for a 63 year old. I am thinking of allocating this into ETF’s. Please recommend which ones and the allocation.
Can take on reasonable risk.

Q: Thank you for providing a comparison of the 2 today. If I sell MAW104 for tax loss and buy VBAL within 30 days, do you think there is risk of Revenue Canada not allowing the claim of tax loss?

Q: Peter; Can you compare returns of the above two and which would be your preference? Thanks.
Rod

Q: I am close to retiring and have all registered accounts maxed out, but have $200K of non-registered funds to invest, and wondering what recommendation would be. I am leaning for simplicity to spread across a few ETFs to get some balance of growth and dividends. Thoughts/recommendations.

Q: Thank you for your answer on stocks and ETF'S for my son's FHSA account that is starting. The answer included mostly US domiciled names/ETF's and we are looking at Canadian names. Could you recommend a combination of Canadian blue chips and ETF's for a 7 year time frame to monthly contribute and compound before needing funds for a home buyer withdrawal
Thank you

Q: "We don't quite match the market in good years but will lessen your losses in bad years" say many portfolio managers to clients in exchange for a 1/2 to 1% management fee.

But, over the years, since the market has had significantly more positive years than negative years, I feel this is a good argument to just purchase some very low-fee ETFs, once you've determined your asset and currency mix. Less fees, therefore more money invested and therefore little value add from the advisor! Your comments please.

Also, I am a 65 year old retiree with a high 7 figure investment portfolio who will not run out of money. I favor a balanced portfolio of 80% equity (with a slight tilt to growth) and 20% fixed income. I also favor a 50/50 split between US and CAN dollars.

While I realize you cannot provide individual advice, which low cost ETFs should I consider?