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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 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.


Read Answer Asked by Mark on October 15, 2021

Q: Assisting a family member looking to start new RRSP with a 20 year time frame. They are looking for lower risk growth ideas. Can you provide 2 or 3 ETF's that could be suitable options? I was considering VGRO as an option. Also, with no commission fess (WealthSimple) would you support dollar cost average purchases (ie monthly)?
Thank you

Read Answer Asked by Terry on May 11, 2021

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!

Read Answer Asked by Fernando on February 24, 2021

Q: Which one would you prefer
Vgro vs xgro
Iwo vs vong

Kindly suggest good etf for

Growth stocks
Value stocks
Small cap growth stocks
Emerging markets
A one stop etf for long term growth investment for retirement

Read Answer Asked by HARRY on February 16, 2021

Q: Hello,

Can I get a couple of your recommendations for the best balanced growth ETF and/or mutual fund as well as a pure growth recommendation. Sector & Geographic allocation not a huge concern.

Thanks.

Read Answer Asked by Chris on February 04, 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: Does the annualized return on these funds include the dividend?
Also, if they are purchased and held for say 5 years in a non registered account,is there any tax paid other than tax on the dividend?
Finally, if one chooses to go with the DRIP, does dividend tax still need to be paid annually?
As always,thanks for the great service.
Phil

Read Answer Asked by Phil on January 17, 2020

Q: Re article in today’s National Post re ETF of ETF’s, no ticker symbols were included. Can you provide same and indicate your opinion on general suitability and if favourable your choice?
Thank you for considering my question

Read Answer Asked by Gail on January 13, 2020

Q: Hi 5i Team,
If you were starting a TFSA and only had 30K would you select 6-10 individual stocks or would it be better to start with an ETF (was thinking XBAL) to start. My daughter doesn't want a lot of work tracking or watching stocks and doesn't want to incur a lot of trading costs. Would you suggest another ETF to start with or go with XBAL, keeping in mind that new money will be flowing into the account to the maximum in the next couple of years. Capital preservation is a consideration but she has a 10 year time frame to work with. Thanks

Read Answer Asked by Rudy on November 12, 2019

Q: Have all of these and so far all performing fairly well---they all around 2%
Want to top 2 of them up to 5%----or maybe you have a better choice.
Please advise your thoughts
Peter

Read Answer Asked by peter on July 10, 2019

Q: Just following up on Alex's followup to my question on the XGRO etf.
XGRO is an old fund that was revamped to compete with VGRO. The Morningstar number is incorrect. The .84 MER listed is for the OLD fund.
XGRO couldn't possibly compete with VGRO's .25 MER or ZGRO's .18 MER with a MER of .84. It's listed management fee is .18. After regulatory fees and taxes and such the final MER may go up to a couple of basis points.

Read Answer Asked by Andrew on April 29, 2019

Q: I'm 61. I'm getting to the point in my life where I want to spend less time following stocks and just start to enjoy my life more. I have 5 accounts, 4 are registered. I'm thinking to just sell everything in all of them and buy XGRO in all of them. One fund across all accounts. No more following stocks or rebalancing and the MER is just .18. I realize I'll lose some tax advantages by putting certain investments in registered or non registered accounts, but I'm willing to give that up for the simplicity and hands off approach of a one fund portfolio.
Problem is one of my RRSP accounts is in USD, so I'm looking for a US domiciled equivalent to XGRO. Any ideas? Thanks

Read Answer Asked by Andrew on April 25, 2019

Q: These all in ones are marketed as simple, low cost, well diversified ETF’s. There are no historical performance results to consider however. I’m considering for very long term hold in pension accounts.
Your thoughts on these products and type of investing strategy they best fit.
Appreciate your feedback.

Read Answer Asked by Larry on March 09, 2019