Investment Q&A

Q: Hello Crew
I am nearly retired and I like a total growth approach (dividends plus capital appreciation). During a down market however I don't wish to sell my capital appreciation funds for living expenses. Therefore, my question is what ETF's can I pair -dividends vs capital appreciation that that might serve that end. Examples ZLB/ZDV, XMI/VIGI/ZWE, VGG/XMU/ZWH..your suggestions are appreciated
regards gary

Q: 1.opinion please on hgy make any sense on a way to play gold with good monthly income? 2.cgl hedged or non hedged? TKS.Larry

Q: What ETF is best for unhedged global dividends I am currently looking at HAZ. I want to invest here, but not sure if it is my best option. Suggestion please.

Q: Hello 5i,


I am wanting to move more into US and rest of world, as the analytics program directs me.
Due to a sale in my tfsa, i will have US dollars that i can then put in my non registered account. ( i will fill the tfsa once afain from that same non registered account). I was wondering what to buy with these US dollars, though. I dont want to lose too much of. The divident break we have for US stocks in the Rif, so i was looking for low or no dividend yield candidates. One problem encountered is that in my non Canadian portfolio, i am moving away from individual stocks and towards etf's. Harder to find low or no dividend payers.

VEA was one I was looking at.

In the 5i portfolio tracking and analysis it says that vea has a yield of 1.89, which although not ideal, maybe something we could live with. When i go on the bmo site, though, it seems to indicate a yield of 2.99, which is becoming less livable.

I imagine you are riht about the dividend. But, would like to be sure. Also, do you see the 1.89 yield as being too high for a non registered account? Thanks once again

Q: If the U.S. dollar takes a big hit in the next couple of years, maybe a 20% drop can you explain what would happen to the value of say ZTL. the CDN dollar version of the u.s. long term treasury bond. TLT has been the place to be ever since rates started falling over the last 20 years. On a currency devaluation i would think people would head for the exits pretty quickly?
thanks Gord

Q: Hi - wondering what your thoughts are on the DYB ETF as a way to play a market pullback without having to be actively involved on a daily basis. Thank you.

Q: I have 10k to invest in a TFSA that will be in place for 10 years or so. I am looking for 3-4 ETF's for this portfolio. Any advice on where I should start looking. Thanks

Q: Hi

Is CWW a good pick for my TFSA for 2020 or any other suggestions.
Presently have LSPD, FIVG, XEF, XEI and ZWE. in TSFA.
I am 64 and want to sleep at night
Thanks
Mike

Q: I start withdrawing from my RIF next year. At this point I have just under 6% in VSC, 5% in XBB, 2% in XHY and was thinking of adding some CBH for the longer term corporate bonds.

If you feel my thinking is correct what % limit would you set for CBH? I know there is more to my investments than what is listed here with BCE and ENB et al also held for their income stream but I want to get your thoughts.

Thank you,
Ron

Q: I have no exposure to health care, pharma in my RRSP and would welcome your recommendation, and rationale for a core holding.

Cheers!

Q: Greetings,
Currently my tech exposure is coming from XQQ. Analytics is suggesting adding another 2.5%. Should I add more XQQ? Or what do you think of SOXX or RYT? Thanks

Q: India-I would like to broaden my investments internationally and am drawn to growth in India. The Fairfax option is less desireable to me because the units are (I believe) sold in U.S. Dollars. a)Are there any investment vehicles that you would recommend? and b) any with dividends?

Q: Your best recommends for Emerging Market ETF in CAD

Q: Hi Peter & Crew,
Your thoughts on this SPDR Portfolio Total Stock Market ETF for a LIRA account for at least a10 year hold, or another US listed total stock market ETF that might be better.
Thanks. Ivan

Q: Hello,
Portfolio analytics recommends an increase in consumer defensive, but I'm also looking to add to international exposure. Is KXI a good option or should I stick with something like VDC and increase international with a separate ETF? Thanks

Q: Hello 5i ! I am generally satisfied holding Mawer Global Small Cap but I don’t like the large annual distribution (in December)…do you think it could be substituted by an ETF ? Thanks !

Q: Is there a report or a blog on Bonds regarding which Bond ETF will do better in different economy cycle ie interest rate up or down. Recession or in good economy.

Thanks for your great service

Q: Hi 5i.

Emerging Markets (EM): Looking at some EM ETFs (i.e. EEM, etc.) return graphs over the 2008-2009 market correction, they appear to be hit harder than North American (N.A.) markets (i.e. TSE, S&P500, etc.). But, over the long term (i.e. 20+ years), returns are very closely correlated between EM, TSE, S&P500, etc. EM ETFs seem to have a bit higher dividend (~ 3%) compared to TSE, S&P500 ETFs (~ 2%), but why bother owning them when they tank so dramatically during market corrections? Can't really be for diversification as they are so closely correlated to N.A. markets in the long run.

I do note that EM ETFs also recuperate VERY quickly/dramatically, so maybe they are good to buy after a (global) market down-turn?

As always, thank you for your wise advise.

Q: Hi,

In your answer to James you suggested the following bond ETFS: XBB, XLB, XSB, CBO and/or XHY. I'm very interested in this as I'm trying to increase fixed income exposure.

What percentage would you suggest in each of the total bond portfolio? Also, unless I am missing something, CBO and XSB both appear to be the same thing, so why the need to own both?

Q: What are your thoughts on TPE vs XEF or VIU for international equity in an RSP? It seems somewhat safer due to larger cap focus but the TER is higher so combined cost of 0.32 to 0.23 for VIU. Leaning towards VIU as it has the most holdings and includes Korea.