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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: If one already has a 10% weighting in ITOT would an additional position in a small cap fund be warranted? Which ETF is preferred for small cap exposure and why - IJR or IWM? It appears IJR has outperformed on all timelines. Is this due to its more concentrated approach? Is there a global small cap etf that is recommended?

Read Answer Asked by Matthew on June 02, 2023

Q: In a recent answer you said "We feel that the slightly overcrowded flight to safety in large-cap tech names can open up opportunities for smaller and mid-sized names".

Is there a canadian ETF that reflects an investment in small and mid cap tech in Canada that is worth investing in right now ? And if not is there an American one ? Thanks

Read Answer Asked by Roger on May 30, 2023

Q: Hi Peter,

Do you see any "Generational opportunity", or "Once in a decade opportunity" for a Long time Invester in today's market.

Read Answer Asked by HARRY on November 29, 2022

Q: This fund which was a great fund years ago will shortly be converted into a lower MER fund which I appreciate. However, this got me to look closer at recent performance which I don't think has been very good. I am considering switching it to something else. Can you recommend an ETF or another fund that would be a good replacement. We don't have a lot of foreign exposure other than this fund and a Mawer fund (MAW102) but we are otherwise very diversified in individual stocks.

Read Answer Asked by Earl on March 30, 2022

Q: For someone with a long time horizon and high risk tolerance, and a smaller portfolio, it seems like it might be a good time to invest in a growth ETF. I know you like IWO, but IJR has a lower MER. What are the main differences between these two ETFs? Which would you recommend and why?

Read Answer Asked by Ed on February 09, 2022

Q: I would very much value your opinion /comments about Larry Swedroe's October 11, 2013 article in entitled "The 'Black Hole Of Investing'" ( ) about why small cap growth stocks are the worst-performing segment of the investment market. And why you recommend them in your Growth portfolio (IWO) instead of small cap value, for example - Thank you.

Read Answer Asked by David on February 04, 2022

Q: Given recent corrections, which ETFs (both Canada and US) are worth watching/stepping into to take advantage of the sales.

Read Answer Asked by Hua on December 16, 2021

Q: I have received $ 170,000 USF Can you suggest 5 or 6 ETFs for diversification I dont need any more Canada coverage

Thank you

Read Answer Asked by Paul on April 22, 2021

Q: Dear 5i,
I would like to spice-up my portfolios with small allocations to some small/mid-cap/thematic/sector ETFs. The Active ETF's can be sold on a US or CDN exchange and the holdings can be in any country. Can you suggest as many as you can so I can do some further research. (ie ARK products look interesting to me)

thanks for your suggestions

Read Answer Asked by Ian on July 31, 2020

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: 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

Q: Would you have a preference between IWM and IJR for small cap exposure? I know IWO has been a favorite but was hoping to capture some growth and value names. Are there any significant fundamental differences between these 2 ETFs. Also, could IJR be added to data analytics pls. I tried adding it but the system did not recognize the ETF. Thanks as always.

Read Answer Asked by Aaron on August 12, 2019