Investment Q&A

Q: I just asked a question about comment/thoughts on an oil/gas stock then I came across your response to a question where you mentioned the 5i couch potato portfolio (is it published elsewhere?). The clean energy ETF has done very well ICLN-Q. Would you recommend it? It has certainly been on a tear. If yes, could it replace the oil/gas component?

Q: Good morning,
I just completed my annual portfolio review to identify potential tax loss harvesting candidates for the 2020 tax year and given that both KEY and ENB are both underwater, I am considering the option of selling both stocks and repurchasing them in 30 days.
My first question is which stock, stocks or ETF would you recommend I purchase to replace KEY and ENB for the next 30 days before repurchasing both KEY and ENB if that is indeed my best course of action.
My second question is whether or not these two pipeline stocks continue to have a place in an income generating non registered account portfolio or should I simply replace them now with some other income generating stock and if so which one or two stocks would you recommend.
I thank you in advance and look forward to hearing your response.
Francesco

Q: The mutual fund of PH&N has many of the shares used by 5I Research . Mawer also uses many of those companies.
Do you know any ETF that would be similar to those funds?
Those 2 funds are not available to individual investor.
Do you know any similar fund that is available in serie D or A?
Thank you.

Q: I do not have any Health Care and am looking for an ETF. What is your opinion of ZUH.CA. How would you rate the BMO ETF's? What other two Health Care ETF's should be considered.
Thank you.

Q: My wife has 75% of her portfolio in laddered GICs and I am looking for a one-stop solution for the remaining 25%. Would XTR be a reasonable substitute for any of the major balanced ETFs such as VBAL, XBAL, ZBAL, or HBAL or would you recommend one of the latter? XTR pays a significantly higher dividend and appears to possess a similar structure, although not quite as globally diversified on the equity side. Your opinion please. Thanks.

Q: Please give an updated opinion on these four balanced ETFs for a retired, conservative investor and indicate order of preference for income and safety. Thanks!

Q: Hello, looking for emerging markets, ETFs you recommend ex China and ex India (as I already hold INDY and FXI). Also looking for non-Canadian REIT ETF recommendations (I hold XRE). Finally what are your thoughts on preferred share ETFs and which would you recommend (Canadian or not) outside of CPD.
Thanks!

Q: Hi team:

since mid-Sept, this ETF has gone up by 2 dollars which is substantial as it is an
ETF for utilities

is there any seasonal trade for utility stocks ?
are new money shifting from another sector to utilities in general?

I made some small gains, should I add more or hold or sell?
aim for some capital gains but main goal is income from dividends as I am
retired
thanks for your wisdom and insight in this matter
Michael

Q: Im looking for an ETF that invests in environmental, social and governance (ESG)stocks.

Thanks Valter

Q: Hi 5i
Based on my recent review of Portfolio Analytics information, I need to increase my US and International exposure significantly and, also, Consumer Cyclical, Consumer Defensive, Industrials and Tech.
With the thought of killing a number of birds with just a few stones, could you recommend a few ETFs that trade on the TSX that will increase my US and International exposure along with my investment in the listed sectors, while also having the prospect of some reasonable return in the form of either capital appreciation or dividends, or both.
Thanks!
Peter

Q: Hello 5i,

I am looking to create a sector diversified portfolio, that will provide dividend income
each month throughout the year? Preferably yields over 4%, reits, and etfs are acceptable. Even better would be payouts at the beginning of each month?

Thanks for your help
Stephen

Q: Hi,

I have QQQ in my RRSP and I am thinking of switching to QQQM since it is identical at a lower cost ratio. Is it the right move?

Best,
Matt

Q: I am helping my niece set up with ETF. She is holding the below funds right now. Can you please advise their fees and which ETF would you suggest replacing them with? Is there a site where you can check the mutual fund fees and performance?

PH&N LifeTime 2045 Fund
RBC Canadian Equity Fund
RBC Balanced Fund
BLK Balanced Index
Capital Global Equity
BLK US Equity Index

Thanks for your help
Hector

Q: May I please have your opinion of HHL (Healthcare Leaders Income). Thank you.

Q: Is there a good ETF that covers the US large pharmaceuticals, either hedged or not? And if so which way is better right now?

Q: Okay Peter, I think I have an interesting challenge for you. As of today, including today’s market levels and all markets, if you could have only five holdings in an RRSP (just ETFs) for the next 5-10 years, which five would you choose. And if your answer would differ for a non-registered account, which five ETFs for that? (Assume you’re 55, that these accounts hold half your total investible assets, the rest being in government bonds, and that you are comfortable with reasonable levels of risk.) I look forward to your answer!

Q: I own HXH, which I presume would, generally speaking, track the TXS. However, it doesn't. The ETF seem to jerk upwards once in a while, even as the TSX moves steady upward. Can you explain why? Thank you.

Q: I would like to purchase a US broad market ETF similar to SPY in US dollars. The purchase would be for my TFSA so there would be a withholding tax on dividends. I know that there are some ETFs structured in a way so rather than paying out any dividends the fund would instead see a gain in capital. Can you recommend such a fund (in US dollars) that tracks the S&P 500? Does this strategy make sense for a TFSA or would such a fund incur higher costs or fees that would negate the savings from avoiding the 15% dividend withholding tax?

Q: If you wanted exposure to the healthcare sector, all caps and all facets, which ETFs would you consider?

Would you choose US based primarily or global?

Thanks, Mike

Q: Hello Peter & team,

Can you please provide your opinion on this ETF and where it might rank in your views? Is it a smart investment with approx $300,000?

I noticed it has a fee of 1.66% with a yield of 1.54%. Could you please provide me a comparison of these fees and yield with those applicable to XSB, CBO, XYH, XBB, VCB and where the BMO ETF might rank compared to these?

Thanks for all you do

gm