Q: are the dividend from the above stocks taxed at 50% income or full income ? is there a change in the new federal budget so all dividends will be 100 % taxable
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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.
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BMO Europe High Dividend Covered Call Hedged to CAD ETF (ZWE)
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BMO US High Dividend Covered Call ETF (ZWH)
Q: Good Morning 5I.
I have the following positions in my RRSP ...
BNS 6.5%
TD 5%
BCE 5%
ENB 4%
BEP.UN 4%
SRU.UN 4%
MFT 3?
CDZ 5%
ZWE 4%
ZWH 9.5%
The list above cover the equity side of my portfolio.
The other 50% is in a GIC ladder yielding over 3.0%
I plan to retired within the next couple years.
Could you please comment on any changes needed that stand out to you?
I think I should add more US exposure and possibly another reit, what would you suggest?
Look forward to your reply.
I have the following positions in my RRSP ...
BNS 6.5%
TD 5%
BCE 5%
ENB 4%
BEP.UN 4%
SRU.UN 4%
MFT 3?
CDZ 5%
ZWE 4%
ZWH 9.5%
The list above cover the equity side of my portfolio.
The other 50% is in a GIC ladder yielding over 3.0%
I plan to retired within the next couple years.
Could you please comment on any changes needed that stand out to you?
I think I should add more US exposure and possibly another reit, what would you suggest?
Look forward to your reply.
Q: Hi 5i
Looking for your thumbs up or thumbs down on XTR as a one stop shop around which to build a retirement portfolio.
Any similar recommendations if XTR wouldnt be your first choice?
Thanks!
Looking for your thumbs up or thumbs down on XTR as a one stop shop around which to build a retirement portfolio.
Any similar recommendations if XTR wouldnt be your first choice?
Thanks!
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iShares 1-5 Year Laddered Corporate Bond Index ETF (CBO)
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iShares Core Canadian Universe Bond Index ETF (XBB)
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iShares U.S. High Yield Bond Index ETF (CAD-Hedged) (XHY)
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Vanguard FTSE Developed Europe All Cap Index ETF (VE)
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iShares Floating Rate Bond ETF (FLOT)
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iShares 20+ Year Treasury Bond ETF (TLT)
Q: We have a diversified RIF and are now in our 70s . We have 6 ETFs and have $20,000.00 invested in VE. We have equities invested across all sectors some sectors a higher percentage than others. Do you feel it is necessary to have monies invested in Europe when we could obtain better income investing in possibly Bonds or preferred shares. Safety and Income are important now to us . Any recommendations.
Q: I manage my wife's RRIF age 69 with the following ETF's: ZEF 5.3%; DXG 8.11; CDZ 6.68; XHY 6.42; ZZD 8.05 and the following stocks : BNS 7.61 ;BPY.un 9.74 ; BEP.un 9.3 COV 2.13; IPL 9.41;PKI 8.58; SIS 5.34 SPB 7.85 and .Cash 7%
I'm trying to transition her to more ETF's reduce some volatility and maintain some growth. What is your suggestion[s] for an additional ETF to complement these holdings?
I'm trying to transition her to more ETF's reduce some volatility and maintain some growth. What is your suggestion[s] for an additional ETF to complement these holdings?
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iShares S&P/TSX Canadian Preferred Share Index ETF (CPD)
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iShares Convertible Bond Index ETF (CVD)
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iShares U.S. High Yield Bond Index ETF (CAD-Hedged) (XHY)
Q: Good morning,
I am looking for a monthly pay. Do CPD, XHY, or CVD fit the bill ?
Thanks
Rick
I am looking for a monthly pay. Do CPD, XHY, or CVD fit the bill ?
Thanks
Rick
Q: Hi.
Almost finished transitioning from (50 Stocks, 5 ETFs) to (11 Stocks, 15 ETFs).
Much easier to manage; performance has improved already over one-month. Sleepin' better... ;-)
About to purchase my last ETF in the mix: VVL, but it makes me a bit nervous:
- Age: Only 3 years
- Market Cap: Only $82M
- Volume: Very low trading
- $0.10 Bid/Ask spread (i.e. an immediate loss of ~ 0.3% on buy & sell = -0.6% right off the bat?)
I would appreciate your thoughts on the observations above. Would you recommend another ETF instead?
Thank you as always from great useful timely advise.
Paul [2019-03-21 - 10:43 AM]
Almost finished transitioning from (50 Stocks, 5 ETFs) to (11 Stocks, 15 ETFs).
Much easier to manage; performance has improved already over one-month. Sleepin' better... ;-)
About to purchase my last ETF in the mix: VVL, but it makes me a bit nervous:
- Age: Only 3 years
- Market Cap: Only $82M
- Volume: Very low trading
- $0.10 Bid/Ask spread (i.e. an immediate loss of ~ 0.3% on buy & sell = -0.6% right off the bat?)
I would appreciate your thoughts on the observations above. Would you recommend another ETF instead?
Thank you as always from great useful timely advise.
Paul [2019-03-21 - 10:43 AM]
Q: Your take for relative safety a income
thanks Yossi
thanks Yossi
Q: Can you comment on this fund and what kind of risks are contained within the holdings.
Q: I currently have an in-trust account for my daughter with $5400 distributed between AQN and FSZ. I have another $6000 to put in. I would like to put half in VFV and half into VDU. These funds I am hoping will sit there until she retires (she is currently 13).
I am concerned about taxes with the two ETF’s in this unregistered account. Do you think this is a good approach with the funds or would you advise otherwise?
Thank you for your great site and forum!
I am concerned about taxes with the two ETF’s in this unregistered account. Do you think this is a good approach with the funds or would you advise otherwise?
Thank you for your great site and forum!
Q: Hello folks; Looking to tuck away some silver. Which of these would be better suited and what will the fact that SVR is hedged have if silver and SVR happen to go up? Also, PSLV is on the TSX exchange but is listed in USD. Is there a problem with government hold-backs upon cashing out?
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Global X S&P 500 Index Corporate Class ETF (HXS)
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Global X US 7-10 Year Treasury Bond Index Corporate Class ETF (HTB)
Q: Good morning,
My wife and I wish to put $$$ into our minor (twins 7 yrs old) grandchildren's in- trust accounts to help them get an early start in building an investment portfolio. Moreover, this would allow them to start contributing to their TFSA when they reach 18 years of age and when I am perhaps long gone.
I understand that if I put $$$ in my minor grandchildren's in-trust accounts that ALL INCOME would be taxed in my hands until they reach 18 years of age but that any CAPITAL GAINS would be taxed in the hands of the grandchildren regardless of their age.
Assuming that my understanding is indeed correct, I am looking for a few suitable investment vehicles and more specifically a few good quality ETFs that DO NOT generate any form of INCOME or DISTRIBUTIONS other than CAPITAL GAINS.
I would very much appreciate your thoughts on implementing this strategy along with a few of your best ideas as to which ETFS you would recommend for my purpose.
I thank you in advance and look forward to hearing your response along with your ETF recommendations.
My wife and I wish to put $$$ into our minor (twins 7 yrs old) grandchildren's in- trust accounts to help them get an early start in building an investment portfolio. Moreover, this would allow them to start contributing to their TFSA when they reach 18 years of age and when I am perhaps long gone.
I understand that if I put $$$ in my minor grandchildren's in-trust accounts that ALL INCOME would be taxed in my hands until they reach 18 years of age but that any CAPITAL GAINS would be taxed in the hands of the grandchildren regardless of their age.
Assuming that my understanding is indeed correct, I am looking for a few suitable investment vehicles and more specifically a few good quality ETFs that DO NOT generate any form of INCOME or DISTRIBUTIONS other than CAPITAL GAINS.
I would very much appreciate your thoughts on implementing this strategy along with a few of your best ideas as to which ETFS you would recommend for my purpose.
I thank you in advance and look forward to hearing your response along with your ETF recommendations.
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BMO Ultra Short-Term Bond ETF (ZST)
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PIMCO Monthly Income Fund (Canada) Series A (PMO005)
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Mackenzie Floating Rate Income ETF (MFT)
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PH&N High Yield Bond Fund Series D (PHN280)
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PH&N Total Return Bond Fund Series D (PHN340)
Q: Hi,
I need a bit of help in structuring my Bond component for my RRSP.
I had so far running with PH&N High Yield 5%, ZST 5%, PH&N Total Return Bond 10%, PIMCO Monthly Income Fund 5% and MFT 2.5%, for a total of 27.5%. Given my age (59) and the fact that soon we may enter in a Bear market, I have to increase my Bond allocation. According to some, this should mirror my age, probably close to 60%. My question is: What combination of Funds/ETFs and weight should I use? Is probably not a good idea to invest more than 15% in a fund and probably limit my High Yield exposure to 5%. Thank you.
I need a bit of help in structuring my Bond component for my RRSP.
I had so far running with PH&N High Yield 5%, ZST 5%, PH&N Total Return Bond 10%, PIMCO Monthly Income Fund 5% and MFT 2.5%, for a total of 27.5%. Given my age (59) and the fact that soon we may enter in a Bear market, I have to increase my Bond allocation. According to some, this should mirror my age, probably close to 60%. My question is: What combination of Funds/ETFs and weight should I use? Is probably not a good idea to invest more than 15% in a fund and probably limit my High Yield exposure to 5%. Thank you.
Q: if one thinks the CDN will fall vrs the USD does it make sence to buy the unhedged
flot.b vrs the hedged flot
flot.b vrs the hedged flot
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Global X Active Ultra-Short Term Investment Grade Bond ETF (HFR)
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Purpose Floating Rate Income Fund (FLOT)
Q: I currently have no fixed income. Looking to build this portion using an ETF and GIC's. My thinking is the the ETF could provide a base (liquidity and slightly better yield) with the GIC's providing stability. Considering either HFR or FLOT as the ETF. Which would you prefer or is there are more attractive one in your view? Thanks as always.
Q: Hi there,
i am going into retirement and am looking at reviewing my holdings to generate a bit more income. I currently own XLU in my 401K but the dividend is only 3.1% while the underlying companies often have much higher Dividends. Is there an alternate ETF or would your recommend a basket of utilities and if so can you give me 2 or 3 names - i own BIP, ACQ in my canadian accounts but could hold them in my us as well.
Thanks
i am going into retirement and am looking at reviewing my holdings to generate a bit more income. I currently own XLU in my 401K but the dividend is only 3.1% while the underlying companies often have much higher Dividends. Is there an alternate ETF or would your recommend a basket of utilities and if so can you give me 2 or 3 names - i own BIP, ACQ in my canadian accounts but could hold them in my us as well.
Thanks
Q: Please comment on XTR as an source of income and diversification ie, is it a good retirement holding?
Morningstar classifies it as a high risk ETF-do you agree? Would it move downward say like an XHY if the market declines? Is the distribution safe?
What types of taxation is applied given its a mixed bag of holdings and therefore what account would you favor to hold it in?
Thanks
Jeff
Morningstar classifies it as a high risk ETF-do you agree? Would it move downward say like an XHY if the market declines? Is the distribution safe?
What types of taxation is applied given its a mixed bag of holdings and therefore what account would you favor to hold it in?
Thanks
Jeff
Q: I have a small position in vee and am considering. Adding some rww as a complimentary position for diversification. Your assessment and analysis would be appreciated.
Q: Looks like Horizon swap indexes will have a limited life expectancy.
From budget:
"Improve existing rules meant to prevent taxpayers from using derivative transactions to convert fully taxable ordinary income into capital gains taxed at a lower rate."
Comments?
From budget:
"Improve existing rules meant to prevent taxpayers from using derivative transactions to convert fully taxable ordinary income into capital gains taxed at a lower rate."
Comments?
Q: In this month's MoneySaver magazine, there is an article by Rita Silvan titled "Spin-offs, Ticker Symbols and Other Investment Anomalies". In this article, she states that in the last 15 years, from 2002 to 2017, the Bloomberg US Spun-Off Index returned nearly 1,000% compared to the S&P 500 Index which returned 203.9%.
Are you aware of any ETFs which track this index? What is your view about ETFs which track spin-offs? Is this a strategy which you would recommend? I could only find the Invesco S&P Spin-Off ETF (CSD) and its returns appear to be 2.15% annually over the last 5 years, and is a significant underperformer compared to the S&P500.
Thank you again for your invaluable advice. This service is truly excellent!
Are you aware of any ETFs which track this index? What is your view about ETFs which track spin-offs? Is this a strategy which you would recommend? I could only find the Invesco S&P Spin-Off ETF (CSD) and its returns appear to be 2.15% annually over the last 5 years, and is a significant underperformer compared to the S&P500.
Thank you again for your invaluable advice. This service is truly excellent!