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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: i am curious about this,i know shopify and constellation software are 2 of your favorite companies, i also know you like open text and cgi, so these 4 companies represent 82% of the xit with shop and csu representing 51%, why not just recommend the xit to your investor, still lots of risk but less so and you get them all plus smaller amount of kxs and some others.dave
Read Answer Asked by david on August 16, 2019
Q: Again another follow up on the XEC holdings.I have looked at three different financial websites. Yahoo, morningstar and TMX.
I cannot see anywhere that XEC holds IEMG as the US listed ETF.
Isn't this quite concerning as a DIY investor if one is trying to select ETF for account tax advantages? Why would we have to go to the prospectus to find out this information? Do you know of another site which might have this information?
Thanks
Jeff
Read Answer Asked by JEFF on August 16, 2019
Q: As a follow up to my last question re International ETF's, it looks like to me that XEC holds the international companies directly and ZEM holds 2 if not 3 US listed ETF's among some direct companies and thus would be less tax efficient, in a non registered account, as the US listed ETFs (holding the international names) would be subjected to two taxes.
I'm going by the chart put out by First asset that you referenced in a previous question on ETF Structure and tax implications.
Thanks again
Jeff
Read Answer Asked by JEFF on August 15, 2019
Q: I have money parked in a GIC that will expire very soon. Needless to say that the current rate isn't good enough and I'm looking for a higher return without too much risk. As a replacement of my GIC, can you suggest 4 or 5 mutual funds (bond oriented or others - I am open !) that I can rely on for an "adequate" yield ? I am not looking for an homerun with bases loaded. I would be satisfied with a yield of 4-5 % approx. per year. I am not a fan of mutual funds showing yields that vary a lot year after year.

I really appreciate your excellent services !
Read Answer Asked by Stéphane on August 15, 2019
Q: As a follow up to my question on July 30 re International ETF's.
I have quite a significant shift to perform. Reduce Canadian by 30% and increase International by 30% . You gave examples of international ETF's including XEF and ZDI. Did you purposely leave out China especially given the recent tone with the US or would XEC be a decent hold as well? Maybe 1/3 in each ETF?
Is this a good time to start the switch over or would you wait a bit to see where all the markets are heading? This would mainly be for non registered accounts and gather only one layer of withholding tax which is creditable.
Thanks
Jeff
Read Answer Asked by JEFF on August 15, 2019
Q: Thanks for all the help with my investing. I have valued your info on companies as the only one I truly believe. I would like your thoughts on this part of our RIF's. I rely on the dividends for 3/4 of my yearly cash flow and the principle for the rest. I do not want to be out of the market so I keep 2 years of cash in our RIF's but would like to put 3 years and put 2 years of that into PSA-T getting the interest of 2 plus %. This would take the sting out of getting nothing for the cash. My question is does this make good sense. Thanks Gary
Read Answer Asked by Gary on August 15, 2019
Q: Hello 5i Research...I have a very elderly family member who needs to re-structure her TFSA . Investment horizon may be under 3 years. GIC's are used in other accounts. We are looking for an ETF solution that will provide a decent level of capital safety and some monthly income (above GIC levels).
We were thinking a combo of XTR , CVD, CPD . XCB and CBO. Is there a one fund solution solution that you might endorse? What percentage split of funds might be appropriate in the current environment?

thanks/art
Read Answer Asked by Arthur on August 14, 2019
Q: whats are your top 5 income etfs hedged Canadian Thanks Barry
Read Answer Asked by BARRY on August 14, 2019
Q: I am looking to put a large amount of cash in TD Webroker registered and non registered accounts, safely on the sidelines. Could you please tell me what your preference would be and why, including any other recommendation. Many thanks as always.

TDB8150 (savings account) Currently offering 1.6% yield. CIDC guaranteed.
TDB165 (premium money market funds, with initial minimum investment of $100,000 required) Currently offering 1.54% yield. CDIC guaranteed ?
PSA (high interest savings ETF). Currently offering 2.125 yield. Not CIDC guaranteed.
Read Answer Asked by Alexandra on August 12, 2019
Q: I am being pitched on a number of RBC MF for a portfolio makeup. Can I have your analysis on the following and perhaps equivalent etfs. thank you.

RBC Canadian bond index A
RBC Canadian index fund A
RBC global bond fund A
RBC global corporate bond fund A
RBC international index curr neutral A
RBC us index fund A

Read Answer Asked by Craig on August 12, 2019
Q: Would you have a preference between IWM and IJR for small cap exposure? I know IWO has been a favorite but was hoping to capture some growth and value names. Are there any significant fundamental differences between these 2 ETFs. Also, could IJR be added to data analytics pls. I tried adding it but the system did not recognize the ETF. Thanks as always.
Read Answer Asked by Aaron on August 12, 2019
Q: There are plenty of forecasts telling us that bond yields are declining and may go to zero.
If they continue to decline , what does this mean and how can an investor take advantage of this. Your Asset Allocator tells me I need to move $500,000 into fixed income to balance my portfolio, which is predominantly equities.
Do I go to a bond fund , or actual bonds? If so what would you recommend? If bonds what type and term? I will hold for min 5 - 10 years.

Thanks and take as many credits as you wish.
Read Answer Asked by William on August 12, 2019
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