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                             BMO Low Volatility US Equity ETF (ZLU $57.55) BMO Low Volatility US Equity ETF (ZLU $57.55)
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                             BMO S&P 500 Index ETF (ZSP $104.48) BMO S&P 500 Index ETF (ZSP $104.48)
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                             BMO US Dividend ETF (ZDY $50.13) BMO US Dividend ETF (ZDY $50.13)
            Q: I sold my business and started a non-registered investment account in November 2019 and currently have no US equity.  I am semi-retired and looking for total return, with a 10 year time line.  Can you recommend an ETF that I can slowly add to with market dips?   ZDY is down about 10% YTD, trading a 52-week low with a P/E of 14.90 and dividend of about 3.25%.  But ZSP and ZLU have historically better 3-year returns.  I would be grateful for your recommendations.   Thank you!  
        
     
                             
                             
                    