Investment Q&A

Q: Hello Peter and Team. I am about to open a new TFSA account with almost 100K. Time frame of 5-8 years. Could you please recommend 4-6 growth/income stocks with 1or 2 ETF’s?

I was thinking BN, VFV, EIT.UN, TVK. Any other recommendations would be appreciated. Thanks for the amazing service. Brian

Q: Can you recommend a list of safe dividend income ETFs with high steady monthly distributions? Thanks.

Q: I look after a RESP for my grandchildren and I have IWO, VFV, VGG, at equal weight. XIC, XQQ at a lower weight and only 2 stocks BN and LMN. Is there any more ETF that you would recommend to go with the ones I currently own? What 2 stocks would you recommend as well? The funds are not needed for 10 years,

Thanks

Q: I am looking for quality "dividend growth" focused ETF (not "high dividend" ETF) in CDA and US , with an optimal balance of sectors ( some of those ETF showing, in my vue,a disproportion of sectors, like an excess of financials (ex. 40-50%) etc..). Could you suggest your 2-3 choices in CDA and US ?

Q: I have most of my US exposure 55,000 in VGG. Also own google and NVDA and google. in CDR. I am wondering if I should sell 1/2 of VGG and buy VFV for exposure to the SP 500 or is there another ETF I should consider Thanks Steve

Q: if wanted a dividend and growth what u.s. etf do you think is best for large caps

Q: I want more US exposure, but would be moving Ca $ to US $. Is it best to exchange ones cash to buy US ETFs such as VIG.US, or to buy a Ca ETF with US exposure? What would be equivalent to VIG be? Thank you.

Q: Morning
Which etf would you recommend for US exposure and why. Please rate them from 1-4
ZSP
VFV
VGG
XUS
Also thoughts on XEQT for all round exposure
Thank you

Q: VGG. Non registered account
Everyone seems to hold in registered
Is it ok to hold in non registered and why?
Thank you

Q: Good morning,


I am not crystal clear on the most tax efficient account to hold each of the above listed ETFs and before moving any of them to another type of account, I would very much appreciate your guidance on the most tax efficient type of account to hold each of the above listed ETFs.

The above listed ETFs are all held in our family Registered (RRSP/TFSA/RESP) and Non-Registered accounts.

Thank you and I'll await your sage advice.

Q: Good morning,

I currently hold VIG ETF in my Non Registered US$ account and VGG in my Non Registered Cdn$ account. Both of these ETFs have the same holdings but the VIG appears to be cheaper in terms of MER and perhaps more tax efficient if held in a RRSP.

Given that both VIG and VGG hold the same holdings and taxation not a consideration, I was thinking of selling the VGG ETF and purchasing some additional VIG ETF.

However, I just stumbled across another ETF (DGRW ETF) that I would appreciate your thoughts on as a potential replacement for VIG ETF. Although a bit more expensive in terms of MER, the annual performance over the last 10 years appears to be much better.


Thank you and I'll await your response.

Francesco

Q: I look after a RESP and have IWO, VGRO, VGG and BN. The weight is 16% for each. Would you be comfortable adding to the ETF'S to a 20% weight or should I buy a ETF like XIC? If you have any suggestions of what I could buy for this account I appreciate your input! It will be 12 years before needed.

Thanks

Q: Hello
On Jan 4th, I asked a question about the best place to hold VGG for tax efficiency. I was told that a TFSA or RRSP would be best. However, I read an article by Moez Mahrez in Canadian Money saver and looked at the tax efficiency table posted on the same website. If I am correct in my interpretation, both of these sites seem to recommend holding an ETF that trades in CAD but is US listed in a RRSP first and then a non-registered account because the dividend that incurs US withholding tax is recoverable in the non-registered account. In a TFSA, the dividend incurs withholding tax but it is not recoverable. Am I correct in my interpretation?
thanks for your help

Q: I am assuming that VGG should be purchased in an RRSP to maximize tax efficiency. if I can't purchase VGG in a RRSP, where is the next best place to hold it?
thanks

Q: As grandparents, we are interested in making a long-term investment for our two grandchildren that will be held for the next 20 years. Could you please recommend the most suitable type of investment account to avoid personal investment and tax implications? Additionally, we would appreciate your suggestions for a few ETFs to consider for this extended investment period. Thank you.

Q: Adding to a TFSA for a 20 year window.
Please advise 5 ETFs to buy and hold for the duration.

Q: My question yesterday did not seem to go through as it did not show up in "My Questions".
In reading your newsletter "What Investments to hold in your TFSA or RRIF" - I hold the above 4 ETF's in my TFSA and was wondering if they should be in this account?
I interpret your information as they should not be in an TFSA.
Thanks

Q: I have the above ETF's in my TFSA and am wondering if these belong in a TFSA? On reading your newsletter "Investments to hold in your TFSA" , I interpreted this to mean they do not belong in the TFSA. Am I right?
Thanks for your response.

Q: What are your top etf recommendations to purchase now given we are officially in a bull market, the latest cpi numbers are encouraging & the fed is possibly done?

Or is this too late and FOMO is leading me at the wrong time into investing more funds now?

Thanks.

Q: In my spousal RRSP, I hold a handful of US dividend stocks as well as several ETF’s (VOO, VGG, XIT, FIE, ZRE). The split is about 50/50 between stocks and ETF’s. My question is regarding VGG. I think you have said in the past you prefer VOO, and VGG is not as efficient in an RRSP as the distributions are subject to withholding tax. For me, VOO and VGG have both averaged around 10% since I bought them. I keep debating if I should 1) swap VGG with the US$ equivalent 2) move VGG into VOO 3) move VGG into individual stocks or 4) do nothing and continue to hold VGG. Could I please get your take? Thanks.