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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: 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
Q: What are your thoughts on the housing/home construction sector? If of interest, what would be your 5 stocks of choice? Thank you.
Read Answer Asked by Michael on August 29, 2025
Q: Good morning,

I would like to sell most of my stocks and go in cash for about one year, its a significant amount of money. Which is the best option , ZST, ZMMK, or ZAG..in terms of best return and maximum safety.

Thanks,
George
Read Answer Asked by George on August 29, 2025
Q: I am a 79 years old, retired with a portfolio of stocks (~40%), ETF's (30%) and Cash (30%).
I have good pension income so I don't need monthly income.
I am thinking of moving ~ 15% of my cash back into the market, considering either more VGRO and/or VEQT. Your comment please..
Read Answer Asked by William on August 29, 2025
Q: Checking into where to park some cash and looking into TD Cash ETF TCSH. Assuming this is invested in capital safe investments for interest income why does the price chart show its been on a decline, small amount but was expecting up and down based on distribution payouts but neutral, the chart shows an overall decline. Why?
Read Answer Asked by Tim on August 29, 2025
Q: I’m looking for safer areas to park money in each of our tsfa’s ,rrsp’s and non registered accounts. Can you suggest a few of your favourites for each. We are semi retired and won’t need the funds for at least 10-20 yrs but would like a little more protection in a downturn.Currently 80 equities ,20% cash (CBIL and BIL )and no bonds. If there are safe bond ETFs that you prefer in certain accounts please recommend them as well. Take as many credits as needed. Thanks!
Read Answer Asked by Randall on August 28, 2025
Q: I currently hold these 4 ETF's in a RRSP account. Is there any other ETF that you would add to this list?
Read Answer Asked on August 28, 2025
Q: I currently hold these ETF's in a RESP. I have only XIC ,ZNQ and IWO at a 11% weight , would you be comfortable bringing them up to 15-20% each ?

Is there any other ETF you would add ?I am looking at XAW.

Thanks
Read Answer Asked on August 28, 2025
Q: HMAX's dividend has been slowly declining since the ETF's inception in 2023. Please offer an explanation for the decline, as well as provide your thoughts on the size of the dividend going forward. This is one of the few investments I hold strictly for the income stream and, if the dividend is likely to continue trending down, I will be moving on. Thank you.
Read Answer Asked by Maureen on August 28, 2025
Q: I am having trouble with the Return of Capital(ROC) concept in non-registered accounts. Seems like a losing situation as your adjusted cost base is reduced by the ROC leaving you to pay or lose a greater amount, even tho it is a capital gain and not interest. Also a ROC is my original capital that I already paid tax on. Double taxation?? Please explain as simply as possible tho I know you are not tax experts. Thanks
Read Answer Asked by george on August 28, 2025
Q: I would like to increase my international exposure to the stock market. Can you suggest some ETFs that meet that criteria. Moderate risk level.

I have seen VXUS recommended a lot, so I am considering that. Just want to have 2 more choices so I can compare before buying one of them.
Read Answer Asked by Paul on August 27, 2025
Q: Good morning.

I have a sizeable amount of US dollars in my TFSA and RRIF accounts and intend to add international investments with that money. I can either just purchase the XEF.u with the US money or go thru the Norbert Gambit process to convert to canadian dollars and then buy the XEF ETF. My question is which would you recommend and also buying XEF.u in my TFSA which I believe is a Canadian listed ETF would there be a 15% US withholding tax on the dividends.

Many thanks.
Read Answer Asked by John on August 27, 2025
Q: With interest rates potentially going lower in the US I was wondering about your crystal ball thoughts on where this ETF might peak this cycle ? I bought in when it cratered a couple years ago.
Read Answer Asked by STEVE on August 27, 2025
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