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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: This question or type of question was asked in the last week, but I can't find it. Sorry. My 2 kids each have about $100,000. I manage their money, but would prefer to just manage it through ETF's. Can you please suggest a portfolio of ETF's for reasonable growth (60-70% equities), but balanced with some bonds as well. If you want to cut and paste your answer to the question from a week ago, that would be great. Thanks a lot.
Read Answer Asked by Steve on April 09, 2024
Q: Hello fellow 5i community,

New ETF investor question here. I have no experience with ETF's and therefore have none in my investment portfolio. Based on all the Q&A's and my own research, this is an area I need to get into. Can you please recommend your top picks (open to all suggestions both geo and industry - please rank) and how many ETF's would you recommend if also investing in individual stocks? (including % of a portfolio). Thank you
Read Answer Asked by Julie on April 08, 2024
Q: Is there any ETF without covered call you would recommend that holds similar stocks as SMAX. Either in USA or CDN dollars. I prefer CDN dollars.

Thanks for the great service

Read Answer Asked by Hector on March 18, 2024
Q: I have cash to invest, mostly into ETFs and as a value investor the P/E of the S&P 500 is a stumbling block for me: 23% for IVV vs about 15% for XIU - so about 50% more. XEF has a P/E of 14.31%. The rule of 20 says P/E + inflation should be 20 or less. A hard question, but do I overlook the P/E of the S&P 500 and invest now with a long term hold or do I wait?
Thanks for your comments!
Read Answer Asked by Grant on December 12, 2023
Q: Hi there,
I have invested in three mutual funds with considerable management fees. I am hoping you can recommend three ETFs with similar holdings/benchmarks and performance. They are CIG 622 (CIG AMRCAN FD CL A -FE) MER 2.44%; FID 254 (FDLTY CDN GRWTH COMP CL B -FE), MER 2.23%; and FID 234 (FDLTY US FO STK SR B -FE), MER 2.22%.
Read Answer Asked by Zohreh on November 30, 2023
Q: Good morning - can you suggest some US S & P 500 ETF possibilities along with a recommended choice. Many thanks

Read Answer Asked by alex on November 06, 2023
Q: Hi Peter, thanks to you and your team for your great service. For a young person (or anyone for that matter), what are your thoughts on regular contributions to the S&P vs picking individual stocks ? It seems a simple but winning approach as it buys more of the good compalnies each 1/4 and kicks out the poor performers. It lacks energy etc but is this an issue ? Is there any data on how many mgrs or individuals actually beat the S&P. Are there equivilant and/or complimentary indexes you would pair with the S&P ? Looking to spend less time fussing over individual names. Thank you.
Read Answer Asked by Paul on June 30, 2023
Q: I own an Ishares all in one ETF to round things out. I just found out they hedge the currency on the non Canadian holdings. I tried to find out the cost to hedge but was unsuccessful. After doing more research I found the costs to hedge can be 1-2% a year. When doing a back test between IVV and XSP the hedged EFT lagged by 1-3% a year over 20 years. From 2002-2012 the lag averaged 2.1% a year but in the last 10 years the average lag was 1.1% a year. Do you know any all in one Canadian ETF's that don't hedge the currency?

Thank you.
Read Answer Asked by Derek on September 07, 2022
Q: I have an ETF portfolio and a portfolio of CDN and U.S. stocks.

I am building my ETF portfolio and plan to take my gains from my individual stocks and add to my ETF portfolio during market downturns. I don't plan on making any sales from my ETF portfolio and I expect that portfolio to provide my funds for retirement.

The ETF portfolio is divided globally and I was wondering if which order you would add since I am building my portfolio. The ETFs I have selected on XIC (30%), XEF (15%), XEC (10%), IVV (15%), XJH (5%), XJR (5%), QQQ (5%), XLF (5%) and 10% fixed income. I have already established my 5% positions in XJH, XJR, QQQ and XLF over the summer.

My questions are:

1 - I know weighting is personal, but do you have any glaring concerns with my weightings?

2 - In which order would you add to XIC, XEF, XEC and IVV?

Thanks for your help,
Read Answer Asked by Jason on September 27, 2021
Q: First a big thank you for the terrific returns we received in 2020 thanks to your stellar guidance (our largest holdings we first discovered through 5i -hello LSPD,XBC and WELL!). We gifted our kids memberships in December and praise your service to everyone. This is truly an invaluable service.
Now to the question, my brother is tired of paying high fees for his CIBC pension holdings. When I looked into this for him last year, some pools had MER in the 2% range! Hes moved the following into cash and is looking for lower fee/higher return alternatives in the following areas of his pension account:
-Imperial Canadian Dividend Income Pool
-Imperial Canadian Equity High Income Pool
-Imperial US Equity Pool
-Imperial International Equity Pool
-Imperial Short Term Bond Pool
-Imperial Long Term Bond Pool
Please charge as many questions as required.
Read Answer Asked by Warren on January 21, 2021
Q: Could you please suggest a replacement for these mutual funds. I have been told these funds have a high MER and I should investigate other options. A switch to ETF's may be an option too.
Read Answer Asked by Terry on July 29, 2020
Q: Thank you for answering my question yesterday. You guys are the best.If you could choose 5 ETF'sfor a 40,000 RESP for a 8 and 10 year to hold and continual buy for the next number of years - which are they?
I appreciate it,
Read Answer Asked by Brent on April 30, 2020
Q: To several members, you've suggested an S&P500 etf. Among those are ZSP, XUS, VFV and HXS, all trading on the TSX in Canadian $. They all appear similar, except that HXS pays no dividend (why?). Then there's SPY, trading on the US exchange. It has dropped considerably more than the Canadian versions, and consequently has a higher dividend yield. Can you explain the discrepancy, please? Don't they all hold the same stocks? And there must be other S&P500 ETFs trading on US exchanges, besides SPY - could you please name some? Which version of these ETFs would you choose?
Read Answer Asked by chris on March 19, 2020
Q: Could I please have 5 recommendations for investment in Canadian stocks and/or Canadian ETF's focused on the US market. I currently have no investments in the US market in my RRIF. Thanks
Read Answer Asked by Barbara on January 24, 2020
Q: From a tax perspective, does it make a difference where I hold XUU? I'd like to put it in a non-registered account but I'm wondering whether there is a tax benefit to put it in my RSP.

Read Answer Asked by Robert on January 20, 2020