Investment Q&A

Q: For a young person (20 years old) who has little knowledge of or interest in investing, no interest in selecting individual investments, monitoring a portfolio or having to rebalance assets, what do you think of using a global 100% equity asset allocation ETF for long-term, ongoing contributions to TFSA’s, FHSA’s, RRSP’s, etc in order to make investing as easy and simple as possible and to encourage/reinforce a regular, long-term investing habit over several decades? If this sounds reasonable is there a global 100% equity asset allocation ETF that you would recommend or are they all pretty much interchangeable? Given the size, reputation and historical track record (safety) of firms like Blackrock, Fidelity, Vanguard, BMO, etc I assume there is little to choose from between the different ETF’s. Is there any other (better & simple) strategy you would suggest as an alternative, given the investor profile? Thanks.

Q: Thank you for those useful articles on all-in-one ETFs. I plan to gradually invest this way​ to make life easier on myself or whoever may be doing the investments in the future.
The problem (and it's not a big one ​as it just needs a bit of math). To have a position of 50%​/50% ​Equities/Bonds I need to have an 80% position in a 40/60 E​quity/B​ond ETF and a 20% position in a 80/20 E​quity/B​ond ETF.

​Is there an all in one 50/50 ETF with a reasonable MER?
​Alternatively, are there similar diverse all-in-one​ 100% equity and diverse all-in-one ​100% bond ETFs where we could just have one of each then rebalanced every 6 to 12 months back holding 50% of total each​? (Makes the math really simple :)

Though I don't tend to use timing​, is there a time of year long term where that rebalance might offer a​ percent​ or fraction of a percent advantage?​ For example, do bonds trade higher or lower at certain times of the year? Similarly equities?

Q: Hi 5I team, With two of these near 52 week high.And ZEQTnear 52week low which would you prefer today? Thanks Larry

Q: Hi team. A few months ago I asked about the best stocks and/or ETFs for my 32 year old son to invest $12K of RRSP $. We didn't get to this yet.... In the past you recommended a few ETFs. What would you recommend today. I'll help him get this invested through a self directed plan next week. Thank you!

Q: Hi

I'm looking to invest $5K/month in an equity fund. You previously sided with VEQT for its history and slightly better long term returns versus ZEQT.

However, I can buy ZEQT for free, whereas I'm charged $10 a trade for VEQT.

Would saving the $120/year in fees be short sighted if VEQT will appreciate more in the long run? Or will the $120/year add up to even it out?

Thanks,
Robert

Q: Do you you prefer one of these over the others? Would VEQT would be more efficient in an RSSP as it holds individual stocks rather than ETF's?

Q: Apologies if this has been answered previously. This is a follow up to Ross’ question about these one stop shop ETFs. You mention, in this particular answer, that you consider them to be ‘more than acceptable’.

Assuming one doesn’t mind complicating their lives a little, what would be your optimal all-equity ETF portfolio for an aggressive investor ?

Thank you

Q: BMO All-Equity ETF (TSX:ZEQT).

What's your opinion on ZEQT, something to buy or not?

Anything similar you would recommend that's better?

Thank you.