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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: Happy New Year!
As a broad-ish generalisation, could one substitute 'structured notes' as an asset class in a portfolio with one or more covered call ETFs?
Read Answer Asked by David on January 06, 2022
Q: With the recent shift from growth to value I was hoping to add a bit of Canadian Tech with XIT, instead of picking away at CSU, GIB.A etc individually, as these are all held within the fund. Can you let me know your thoughts on this or a proxy to XIT? XIT seems quite expensive with Management Fee's 0.55% and Management Expense Ratio (MER) 0.61%
Read Answer Asked by Tom on January 06, 2022
Q: Re: the previous year's total return for the TSX, XIC the i Shares ETF says 25.06% and I have seen other numbers close to that. But the yearly performance without dividends is said to be 21.07%. So two questions: 1. What is the correct number? 2. If it is 25.06 or close to it how can that be so much higher than 21.07? The composite dividend yield was not 4%, correct?

Thank you!
Read Answer Asked by Kim on January 06, 2022
Q: Hi, I hiope that you had a nice holiday. I would like to add an ETF that provides a diversified health care focus. I am also desiring income / over growth. One such
ETF is HHL - Harvest Healthcare Leaders Income ETF. Questions:

1. Are there others that could be considered and if so how would you rank each, including HHL?

2. If I were to purchase HHL, which version should I consider HHL, HHL.B or HHL.U and why.

Thanks Len

Read Answer Asked by Leonard on January 05, 2022
Q: It’s my understanding that Chinese ADRs listed on the NYSE are in the process of being delisted. I don’t hold any directly but I have ETFs that hold them [IEEE. KGRN]. I’m assuming they will be directly affected. Am I best selling them, or holding them and waiting. How are the ETF companies likely to deal with any Chinese ADRs they hold. I’m sure they will appear in a number of ETFs that are not directly tied to China, for example BYD and BABA. I’d appreciate your thoughts. Thanks for the great service.
Bryan
Read Answer Asked by Bryan on January 05, 2022
Q: Hi,

Do you think we're in in a 'commodities super cycle' - and if so - which CDN and US stocks/etfs would benefit from that?

Also, I know what carbon eta's GRN and KBRN do, but do you think they are good, safe investments for the long haul?
Read Answer Asked by Graeme on January 04, 2022
Q: Hi, Happy new year!!

When looking at the long term rates of return of Emerging markets, developed INTL markets, Canadian and US stocks, the US has outperformed by a mile. I hold mostly stocks that are Cdn and US and I have global international and developed exposure through the mentioned ETF's, which only account for around 6% of my total portfolio. My questions are:

1. What is the simplest way to break down portfolio exposure without getting too overly complicated and detailed? Currently I break it down by where they trade. But for example, I hold stocks such as BAM, SLF, GOOG, JPM, V which are more global. How would I go about classifying some of these stocks? Would I allocate some % of these towards international exposure based on the company revenue breakdown, etc? any other metrics? Any good sites that easily summarize this info. or do I need to go looking through the companies financial statements?

2. Is there any mean reversion long term between CDN, US, INTL, and EE markets? So since INTL and EE has underperformed so much lately, is it time to rebalance equities from US to CDN/INTL/EE? Or for a long term growth investor, is the US still the best place to invest for growth whereas INTL/EE look cheap and have better value, although slower growth? Thoughts?
Read Answer Asked by Keith on January 04, 2022
Q: My 25 years old son is starting a portfolio by buying all equity ETFs XSP (30%), TEC (30%), and XWD (40%) in Canadian dollars, which he intends to hold for a long time. 1. Is the selection of ETFs OK ? 2. Are there better alternatives in performance and fees? 3. Is the allocation OK? 4. Do you have any suggestion? Thanks.
Read Answer Asked by Dev on January 04, 2022
Q: I paid a lot more attention to my investment approach this year, and obviously used your service to make a lot of my decisions, slowing trying to align with the recommendations of your portfolio analysis. I currently hold 25 different stocks.

Looking back at 2021 my overall investment return was 21.41%, slightly lower than the TSX Composite Index of return of 21.74%.

I'm not unhappy with that return, obviously, but I'm wondering given my level of success if I should be simplifying my life and just moving to a few ETFs to cover appropriate geography/industries and forget about it.

This is probably a hard question for you to answer but you might have some insight.
Read Answer Asked by Alex on January 04, 2022
Q: Not a question but more detail for Dan's follow-up inquiry. It is the Freedom 100 Emerging Markets ETF website: https://freedometfs.com/frdm/
Read Answer Asked by Barbara on January 04, 2022
Q: Hello, Just came across this ETF and it looks like an intriguing way of investing in the EV and battery ecosystem. I note it is off its highs and wondering what you thought of this ETF. Thank you as always and Happy New Year.
Read Answer Asked by jeff on January 04, 2022
Q: I am trying to set up moderately conservative portfolio for my sister who is close to retirement. What do you think about the following portfolio: XBB 20%, CBO 10%, VBAL 15%, XIU 20%, CDZ 10%, XTR 10%, VGRO 10%, BAM 5%.

Thank you,
Milan
Read Answer Asked by Milan on January 04, 2022
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