Investment Q&A

Q: How does an unanticipated interest-rate rise in the US or a serious deterioration of the corporate debt market affect these two ETFs? Can you roughly estimate in % the impact compared to that of the stock market in each case for each ETF?
Thanks,

Q: I have balanced stocks in RRSP (mainly from your BE portfolio) and growth companies in TFSA (mostly our picks). Its very well diversified in different sectors. Thank you for your help

I still have ~50 K Cash (from recent clean up) in RRSP which I would be investing in this summer. Since majority of my stocks are Canadian, to balance out I am looking to add mostly US ETFs.

These are the ETFs have got my attentions from your questions answers. I am looking for maximum growth and also a hold and forget for 10 + years. This question applies to RRSP

Please provide me with 3-5 suggestions from below. Would you add anything else here or suggest otherwise?

IWO, IWM, VB, VUG, VFV, VGRO, QQQ, ARKK, ARKG,SPY

Thank you for your excellent service!

Q: how do i invest in the decline of us$. ie. short the U S $

Q: Good morning,

I just wanted to pass on information to anyone that uses BMO Investorline as a platform. Starting today they have 80 ETF's where there will be zero commission on buying and selling. Here is the list of the 80 ETF's I think this is a great way to slowly add small positions commission free especially for the kids RESP.

Actually I do have a few questions now come to think of it. Do you think this is a good idea and if you were to pick 3-5 ETFS from this list and somewhat try to be diversified which ones would it be? If you can give me 3 to 5 from the list feel free to take credits per ETF you find.

Thanks

List:
EQUITIES: CDZ / CIE / CUD / CWO / VCN / VDY / VEE / VFV / VGG / VGG / VGH / VI / VIDY / VIU / VSP / XDV / XEC / XEF / XFI / XHD / XIN / XIU / XMM / XMU / XSEM / XSP / XUS / ZCN / ZDH / ZDI / ZDM / ZDV / ZDY / ZEA / ZEM / ZLB / ZLE / ZLI / ZLU / ZSP / ZUE / ZUQ / ZVC
FIXED INCOME: CLF / VAB / VCB / VGV / XBB / XCB / XHY / ZAG / ZCB / ZGB / ZHY / ZJK
MULTI-ASSET CLASS: VBAL / VCIP / VCNS / VEQT / VGRO / XBAL / XCNS / XEQT / XGRO / XINC / ZBAL / ZCON / ZESG / ZGRO
THEMATIC: ZAUT / ZFIN / ZGEN / ZINN / ZINT
ESG: ESGA / ESGB / ESGE / ESGG / ESGY / XESG / XSAB / XSEA / XSTB / XSUS

Q: Hi Guys,

I currently have units of FCOM and QQC.F in my portfolio. Given that their holdings and performance are reasonably similar, should I consider to get rid of one of them and move the funds into the other?

Q: I currently own Eric's Mutual Fund (NPP314) and am considering switching to his ETF (NNRG). Just to understand the tracking differences, I monitored the daily movements on 3 days...May 26-28-31 (small sample, I know).
May 26 => NNRG = 0.91% vs NPP314 = 1.68%
May 28 => 1.70% vs 1.90%
May 31 => 4.93% vs 3.71%
Total all 3 days => 7.54% vs 7.29%

Can you please provide your understanding of the daily differences?
Also, is the May 31 difference, due to month-end adjustments?
The totals seems to make sense, due to the different MERs...agree?

Do you still agree it makes sense to move to NNRG (I can't find much information on the ETF in their website (or through RBC), except it is in their drop down box for options to buy, on the Ninepoint website. To me this implies that the holdings are identical)? There is only $1.1 Million in NNRG...is this an issue to be concerned about?

Thanks for your help...Steve

Q: I am thinking of investing in VXC (or maybe XAW) in my RRSP. I understand that since this is a fund of funds and some of the underlying ETFs are US based, that there will be foreign withholding tax of some amount. To avoid the tax, am I better off to invest in the underlying ETFs (Canadian versions only) specifically VFV, VIU and VEE? (small cap I could not find). How much of an issue is the foreign withholding tax? Is it small enough to not bother buying all these underlying ETFs directly? Your thoughts please.

Q: As an older senior, I own CDZ for dividends. Would ZWC be a better option?
thanks

Q: Hi,
I converted most of my cad to usd and have been doing investments in us companies and recently sold many of the tech due to the noise regarding interest rates. How can I preserve my usd cash from depreciation against cad without changing back to cad . I have seen a drop from 1.3 conversion to now at 1.2 and it seems the general view is that it may hit 1.

Q: Hello 5i Team
Using Nine Point Energy Fund as an example, when the company has three versions of a mutual fund (Series A, Series F and an ETF) how are the portfolios structured? Are the funds structured as three separate accounts (i.e. the portfolio manager purchases the same security in three separate accounts) or are the funds held in one common account (i.e. the portfolio manager purchases the a security in one account) and the returns/expenses calculated as proportional amounts?
Does either method have an impact on fees or the liquidity (using the example where the EFT version is smaller in value than the Series A or Series F) of the funds?
Thank you

Q: Where do I find the top 10 holdings for XHC-T

Q: Hi 5i team,
This covered call etf shows 12% yield . Is that correct. Please can you explain how is their strategy different from ZWh.u which has 5.7 yield and .75 exp. is it a safe investment to generate regular cash flow for long term

Q: My portfolio is conservative; these are my maximum growth picks (with a mid-to long term hold). Which looks better?

John

Q: Could you recommend Canadian and US consumer staple ETFs? Are any of the holdings in the model portfolio consumer staples? What percentage of one’s portfolio would you allocate to consumer staples?
Thanks for all your help

Q: This is a confusing time as I watch equities in the growth and value camps move up and down depending on the news of of the day. Seems to be related to the threat of inflation and the Fed's reaction to it. Which US/Global companies/ETFs would you suggest I buy in both VALUE and GROWTH camps to give me a balanced exposure to this dilemma? If possible 5 suggestions in each area would be helpful. As always, thanks for the guidance.

Q: I would like your opinion on etf. Thx J

Q: I have held this healthcare ETF for a couple years, and added some more in the market mayhem last year. It pays a healthy dividend and I have some capital gains. Relative to the fund's market cap my shares are of course insignificant, however, it seems to be a light trader and I have noticed that on several days my holdings exceed the daily trading volume. Should I be concerned about this? Would it make any sense to sell part or all and move the funds into a similar ETF like HHL (or any others you might suggest)?
Thank-you

Q: Is there an ETF, either in the US or Canada, that you would favour if one wanted to focus on data centers. If there is no ETF are there any specific stocks, again US or Canada.

Q: I was looking at this ETF for income purposes only. It is up 11% for the year so far. Can you please comment on the appropriateness of using this ETF for income only purposes?

Thanks

Q: Although I currently hold VYM and VIG in my RRSP, SCHD has been on my radar for a few years and would appreciate your thoughts on adding this particular US$ ETF in my US$ Non Registered account. More specifically,
Q1. Would the withholding tax be eligible for the foreign tax credit when filing my tax return,
Q2. Would the US dividends be taxed as income, and
Q3. Of the three ETFs mentioned above, which one would you recommend for a US$ Non Registered account and your reason for the recommendation.
As usual, your sage advice is much appreciated.