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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: I have 1.5 million to invest. I need income of $70000 per year before tax for the next 10 years. I hesitate to put it in to a single type of investment.. please suggest a mix I could use to get me close to this goal. A slight growth would be a bonus . Thanks
Read Answer Asked by Peter on June 10, 2024
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
Read Answer Asked by Bradley on February 27, 2024
Q: I look after a RESP and have IWO, VGRO, VGG and BN. The weight is 16% for each. Would you be comfortable adding to the ETF'S to a 20% weight or should I buy a ETF like XIC? If you have any suggestions of what I could buy for this account I appreciate your input! It will be 12 years before needed.

Thanks
Read Answer Asked on January 16, 2024
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
Read Answer Asked by Curtis on December 21, 2023
Q: In my open (unregistered) account, I currently own VGRO and am looking to invest some funds in ETFs . What is the difference between ZLU and ZLU.U? How would your rate the above ETFs for growth over the next 5 years? Do these ETFs hold similar investments (stocks, bonds, etc)? If I invested in 2 ETFs, which ETFs would be complimentary? Can you suggest similar ETFs with better growth potential in the next 5 years? Thank you
Read Answer Asked by Don on November 24, 2023
Q: I have some funds to invest in my unregistered account for a 5 year hold and am considering the above stocks and ETFs. Please comment on the projected growth of these stocks and ETFs and rank the stocks for future growth.
Read Answer Asked by Don on November 21, 2023
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?
Read Answer Asked by John on September 20, 2023
Q: I own TOCA. Performance has been OK. But less than I expected from an aggressive ETF. Do you know a similar ETF of ETFs , with little Canadian and income exposure? I have XAW too, which I prefer.

I also own VGRO but not very growth-oriented with too much income, so I might get rid of VGRO. Your thoughts?
Thanks.
Read Answer Asked by Denise on June 12, 2023
Q: I am looking to build a corporate portfolio (i.e. ~40% tax on dividends and distributions), and will be adding a position monthly, then topping those holdings up on a monthly basis ongoing. My timescale is 30 years, and really the only important thing is amount of money at the end. What holdings would be reasonable for such an account? Any preference as to order I add them?

I grew up with Money Saver magazine, so my gut feeling is just to buy a set of big, well run companies that pay dividends. However, the current popular zeitgeist seems to be to just buy an all-in-one fund, like VGRO, and not overthink it.

Please take as many credits as needed to answer this question as completely as possible. Thank you!
Read Answer Asked by Sam on January 23, 2023
Q: We have been keeping in cash the proceed of the sale of a condo. what would you suggest for a conservative growth ETF in canadian currency. That would represent 10% of our equities holdings. Looking for more growth than yield, as this would be in a non registered account. We would like something all in one, as I do not want to add more names to the list of equities we have.
Read Answer Asked by francois on January 04, 2023
Q: I hold these in an RESP with the following weighting (BIP 18%, Goog 18% VGRO 23%, XAW 41%) and I am considering selling to purchase a 3 year GIC as my eldest child is approaching post-secondary education.

Which holding would you reduce?
Can you rank these holding in terms of risk?
Is there an alternative security other than a GIC that should be considered?

Thanks!
Read Answer Asked by Simon on November 29, 2022
Q: My Daughter has about 300K to invest. She is thinking of Vanguard Etfs.
Which ones would you suggest - in Canadian dollars and low Mers and in what proportion ?
They will be in registered accounts.

What would you suggest for an unregistered account?
And many thanks for all your helpful advice.
Connie
Read Answer Asked by Constance on November 03, 2022
Q: I am looking to start a RESP for my one-year-old grandson. Can you please suggest a suitable investment portfolio for an initial $5000 investment. Could you also recommend a strategy for investing future deposits to the plan.

Thanks.
Read Answer Asked by John on October 18, 2022
Q: For a market bottom/rebound, which 6 US growth stocks would you buy (as opposed to value) and would there be any ETFs you would use? Thanks
Read Answer Asked by Michael on October 06, 2022