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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: Do you see a benefit in owning a company, and then an ETF that writes covered calls on that company, such as SHOP and SHPE, or MSTR and MSTE in order to capture upside, and also get an income distribution? Please provide pros and cons, and if both owned, what sort of division - 50/50, 60/40 (asset/ETF) etc. - thanks!
Read Answer Asked by Kim on September 05, 2025
Q: What is your opinion about in FLVI.NE (franklin international low vol high div etf)? What is the yield of this etf?
Read Answer Asked by Ron on September 04, 2025
Q: Good morning!
I am a dividend investor, almost totally in higher paying blue chips and sector specific equities. I rely on those payments for my income. However, I am considering an etf as a possibility to lower risk , but am not very familiar with the offerings. A brief look about wasn't encouraging, as it seems that often the dividends paid may decrease over time, and not necessarily in sync with govt interest rates as you might expect. As an example, I thought XRE would be a good one, paying over 5%. Their distribution 10 years ago was 8 cents. The most recent was 6 cents. This does not keep up with inflation, a key part of my requirement.
All that being said, can you suggest Canadian etfs that pay a high dividend, one that increases with inflation? Thanks for your ideas! ... Paul K
Read Answer Asked by Paul on September 04, 2025
Q: I would like to invest in commodities. Can you please recommend some Canadian and US Commodity ETFs?
Thanks!
Read Answer Asked by Grant on September 04, 2025
Q: I am slowly transition my portfolio from individual stocks to ETFs. I am looking for ETFs that will focus on dividend payers (in the US and Cdn markets trading on the TSX) and Hamilton has recently come out with CMVP and SMVP which are purported to provide good income and growth with less volatility. They also have leveraged versions which I am not opposed to as these would be 10year investments.
Would these be good choices or would you recommend other ETFs with similar objectives.
Read Answer Asked by Bruce on September 04, 2025
Q: Can you recommend five CAD-denominated, growth-oriented ETF’s trading on the TSX for a three-year hold? This could include sector-specific (eg cybersecurity, AI, dividend-growth, etc), theme-based (eg momentum) and/or general/broad index suggestions (eg TSX, S&P500, NASDAQ100, etc). Thanks.
Read Answer Asked by Bruce on September 04, 2025
Q: What are your thoughts/comments about market concentration in the Mag 7 stocks?

Seems to be around 32% of the total market cap of the S&P500 are in just those 7 stocks, which is around levels last seen in the .com bubble. While these companies have real revenues and profits, valuations are high (relative to historical averages), and it certainly seems somewhat concerning. I would appreciate your thoughts. Thanks.
Read Answer Asked by Marco on September 03, 2025
Q: Hi 5i, What are your thoughts on silver vs gold at this time? Looks like silver has lagged gold, not sure what the historical difference is. I also feel if this onshoring, electrification theme continues then silver might start to run, more than it has. Please provide a few Canadian etfs and stocks you think might participate. Lastly, gold, does it have room to continue to run as it appears a devaluation of the greenback is likely to continue. Thx.
Read Answer Asked by Christopher on September 03, 2025
Q: UMAX = covered call, UTES= covered call + 1,25% leverage. In a downtrend, UTES would probably go down around 25% more than umax (ex -10% vs -12,5%...) and ZUT.Since the markets are presently high +the economics, do you believe that there could be a significant probability of a downtrend in 2025 and in such case ,would it be safer to sell UTES for ZUT now (or another stock), in order to reduce the risk ?
Read Answer Asked by Jean-Yves on September 03, 2025
Q: The Globe has an article about target date funds. Have you any thoughts about this product?
Read Answer Asked by M.S. on September 02, 2025
Q: Can you discuss the potential risks / concerns owning VUSB:us. US interest rates changing effecting the stock price. ect. Would the same risks apply to ZST.L? I own these in both RRSP and TFSA accounts. Should US dividend stock held in an RRSP and not a TRSA account?

Thanks
Brian
Read Answer Asked by Brian on September 02, 2025
Q: Good Day 5i team... thank you for your very valuable time, answers to questions and guidance. My question is, can you list out your top 10 ETF and or Equities you see as insulation/defensible should the over bought North American equity markets begin to slide. Thank you
Read Answer Asked by Edward on September 02, 2025