Q: As a follow up to my question on international ETFs in CAD, you pointed out ZEQ. Two questions: 1. In a comparison between ZEQ and HXX, the former is CAD-hedged, but not the latter. On performance, HXX has outperformed. Please advise your advice on currency risk, and if willing to accept the Euro risk, which you would prefer and why. 2. HXS and XIU and tax efficiency - if your preference is for XIU, please explain pros and cons and why XIU. I note in 2022, XIU outperformed.

Q: I have CAD to invest in Canadian-dollar denominated ETFs: (1) Canadian stocks - VGG. XIU XIC XDIV; (2) US ETFs in CAD FX - HXS ZUQ ZMID and ZBK and (3) - EU ETF - HXX. How to go about assessing one against the other. Is there a better ETF in each group you would prefer? Would appreciate guidance on which ones are keepers for long-term hold? How would you evaluate them?

Q: Part of our total portfolio is invested in ETFs [non-registered accounts] and one-third is in Canadian-based and Canadian-dollar denominated US ETFs. Another third is in US ETFs - spread among Large Cap Value, Blend and Growth, and SMID. The final third is in Special US ETF - IAI ZBK AIRR PAVE SHLD PPA SMH UTES AND HXX. Your advice is requested as to which ones to over-weight, underweight or sell. Please rank each category, if you would. My lean is less tech/ M7 as already own most.