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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: Are the following ETFs sufficiently diversified to form a balanced-growth portfolio of $100K - ZAG 25%, QEF 15%, WXM 20% and XAW 40 %. If not, what would you recommend?

Read Answer Asked by D on February 05, 2021

Q: Good Morning
In my wife,s riff she has the following etf,s VCNS VBAL VGRO all a small position. What would your opinion be to sell all 3 and buy XAW to make a more significant position and also to help increase her international exposure?

Thks
Marcel

Read Answer Asked by Marcel on February 01, 2021

Q: What ETF would you suggest for a non-registered account for a higher risk tolerance with emphasis on growth and a 10 year minimum timeline ? VGRO/XGRO sound good but the dividend yields seem low to really take advantage of the dividend tax credit.

Read Answer Asked by S on January 21, 2021

Q: Hi Team, Wondering if you could please suggest a good
ETF for growth - Canada and US.
Also a good ETF for Dividends - Canada and US.
This is for RRSP account.
Thanks

Read Answer Asked by Salome on January 13, 2021

Q: Hi 5i! I have the above noted 5 ETFs in various dollar amounts in 5 different accounts. Average weight in each is less than 3%. The results have been varied with IYJ and VXUS beiong the strongest recently. I am thinking of consolidating 5 into 2 holdings, probably IYG and VXUS which would give me apporoximately 5% in each ETF. These 2 would complement each other since one is all US and the other non-US. Your thoughts please.

Read Answer Asked by Michael on December 21, 2020

Q: Hi
A quick question.
I know BMO/ishares have equivalent ETFs to VBAL/VEQT/VGRO.
Are there any equivalents to these all in one ETFs offered US ETF companies?.
Vanguard's US site doesn't show any.
Any one else in the States offering all in one ETFs?
I am hoping if they do offer, their fees will be lower than the Vanguard's here in Canada.
Thanks.

Read Answer Asked by Savalai on December 16, 2020

Q: I currently have a Royal Bank fund and want to move the funds to a ETF. Can you recommend an ETF that is similar (or better!) to the RBF659? RBF659 is showing a MER at 1.03% and the Management Fee at .85%. Does this mean the yearly fees are 1.88% of my total? Thanks

Read Answer Asked by Juanita on December 03, 2020

Q: Hi,
My kids are all about 30 years old and have most of their retirement investments in equities with some bonds, e.g. VGRO.
Given the poor expectations for bonds, is it reasonable to move to all equities?
If so, which ETFs would you recommended? I was thinking VEQT or XAW?
Thanks

Read Answer Asked by Camille on November 30, 2020

Q: Having received the above funds shares from a bequest, I am contemplating on selling and replacing the above funds for ETF's which would be complimentary with diversification, possibly reducing fees and improve performance.

Garry

Read Answer Asked by Garry & Marlene on November 25, 2020

Q: My daughter is looking to invest about $4,000 in an RRSP. She has an investment horizon of about 15-20 years and her current employer provides a secure DB pension. What growth oriented ETFs would you recommend at this time? If she were to add a dividend oriented ETF to the growth choices, what might you suggest? Thanks.

Read Answer Asked by Bruce on November 24, 2020

Q: Good day!

I've noticed a trend with respect to your recommendations for RESP ETF holdings with a longer timeframe (10-15yrs). You seem to like VGRO +/- IWO. I'm looking for growth and can tolerate risk. Currency doesn't matter.

VGRO has a 19.9% weighing of bond ETF's and the rest are a combination of other vanguard ETF's. In looking at performance since its inception, it lags behind IWO which often lags behind the S&P 500 ETFs. From a non-expert viewpoint it would seem that a combination of large and mid cap US/CAN ETF's would achieve similar purpose and improve returns by eliminating the bond component.

1. What am I missing re VGRO? is it that the bond component satisfies the usual 80/20 combination as an all-in-one and is simply easy?

2. If you were to improve the 'all-in-one' VGRO using a combination of ETF's, which US/CAN growth/index ETF's would you assemble to eliminate the bond component? Perhaps a combination of XIC, VFV/ZSP/VOO, VTI, VUG, ZQQ or others you think work better?

3. Out of the S&P 500 ETF's, do you have a preference between ZSP or VFV? Is there an advantage to holding the US listed SPY, IVV or VOO vs the Canadian-listed? and if so, which do you prefer?

4. If you were to devote 25% of the RESP to high potential equities, which would you choose?

Thanks!

Read Answer Asked by Bart on October 20, 2020

Q: If you were to start an resp now, would you consider these etfs as suitable or a combination thereof,or do you have alternatives? Thanx.

Read Answer Asked by Steve on September 09, 2020

Q: Hi 5iTeam,
Please recommend 2 stocks and 2 etfs in each of Canadian and US markets with or without dividend, for a 25 to 30 years hold.
Cheers,

Read Answer Asked by Harry on September 09, 2020

Q: Hi Team,
Is there a ETF similar to VGRO but sold in $US without converting to Cdn? I have some cash on the US side of my RRSP and like the set up of VGRO but would rather not convert back to Cdn at this point.

Read Answer Asked by Todd on September 08, 2020