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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: Hi 5i,

I need to create a fixed income allocation in my LIRA. Would you recommend an equal allocation to the following ETF's: CBO, XBB, ZEF, CPD and ZHY? If not what would you recommend for a fixed income etf position.

Thanks,
Read Answer Asked by Christopher on June 18, 2018
Q: Hi 5i,

Need to create a new fixed income/bond position in my portfolio. Looking to allocate holdings (equally?) across the following ETF's: CBO, XBB, ZEF, CPD, and ZHY. Would you recommend this as a good long term strategy or would there be a better ETF combination you'd recommend.

BTW loved your May issue in ETF Fund Update (etffundupdate.ca) on balancing sector allocation.
Read Answer Asked by Christopher on June 18, 2018
Q: Thanks to Lloyd (5ier) and 5i, I purchased this etf for my mom’’s rrif. I purchased it for the 2020 dec 31 maturity date, low(ish) mer, and ok yield. Since purchasing, the etf has changed names twice and may have new owners- Guggenheim-power shares-, invesco. I have noticed that her monthly payments are never the same but not so bothered by that. Will the mer change? Will the maturity date change? What normally happens when paper is shuffled around like this? Is it a bad sign? If I hold to maturity will there be a capital loss?
Read Answer Asked by Kat on June 15, 2018
Q: I am interested in the purchasing Horizon Benchmark ETFs, such as HXS because of the tax advantages. The MER is reasonable at .11% but they charge a swap fee of .30%. I assume that the swap fee added to the MER makes the total fee .41%. This would mean that from a fee perspective VFV is more attractive with an MER of .08%. Given the importance of low fees on total returns will VFV outperform HXS over the long run?
Read Answer Asked by Dennis on June 15, 2018
Q: My son was very disappointed with his financial advisor so I have been asked to assist in the setup of a retirement fund that will consist solely of a RRSP for now. He is very hands off right now, but I hope to change that.

I like Vgro for the diversification, automatic rebalancing and low mer. Can you suggest a companion multi factor or rafi global etf for further diversification. I am having difficulty finding something with reasonable daily volume. Thank you.
Read Answer Asked by Richard on June 14, 2018
Q: Hi team, I am looking to add some international diversification to my monthly income portfolio. I am looking for monthly income with some potential for capital appreciation. Do any of these funds overlap with each other? Which of these funds or combination of funds would be best for a non-registered account?
Thanks
Read Answer Asked by Nancy on June 12, 2018
Q: In what order would you rate the following U.S. equities
I am considering adding to a well-diversified portfolio?
IHI IWO XLK XLF KRE VISA
Thank you.
Read Answer Asked by Harold on June 11, 2018
Q: Good morning,

Looking for your insights on fixed income strategies in this environment of potentially rising rates. I have reviewed a number of etf 's which have shown negative returns over the last couple of years. Are they any etfs, bond funds or strategies ( ladderred gic's?) that you feel are suited to what may be a new era of gradual interest rate creep.

thank you
Read Answer Asked by Brad on June 08, 2018
Q: What would you consider good weightings in a portfolio for the above ETF's? If you were building a fairly aggressive growth portfolio with these as your base what other ETF's would you suggest to get a start on diversifying a bit?
Read Answer Asked by Kyle on June 06, 2018
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