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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 All at 5i! I am working at establishing a more stable portion to my portfolio in the form of bond and preferred ETFs. I require four that pay me a dividend and have so far chosen CPD, XHY and CBO and would welcome a fourth ( or more) suggestion. Could you please help me with this. Cheers, Tamara
Read Answer Asked by Tamara on October 15, 2018
Q: I am considering holding VFV and XQQ in my personal unregistered accounts because they produce dividends. I could borrow money to invest in them and write off the interest. On the other hand, would it make sense to put HXS and HXQ in my passive corporation (no active income) as these two produce only capital gains and no distributions? Is there a big difference in dividends earned in a passive corp vs
personally? Also all of these will not count towards the T1135 limit. Any thoughts?
Read Answer Asked by Terry on October 15, 2018
Q: I am considering adding these two to my non-registered account. This would be in CDN $ and no tax T1135 forms. My question is what year end tax paperwork do these products have? such as ROC, T3, T5. I'm guessing they have T5's which is fine, but I sold my REITS in my non-registered accounts due to the late paperwork. I do not want to repeat this mess.
Read Answer Asked by Terry on October 15, 2018
Q: I'm retired and have no fixed income in my portfolio.
I would like to switch about 15% of my investments into fixed income. I have read all the questions regarding MFT but am looking for a few more ideas with as much return as is prudently possible.
I spend time in the U.S., so an idea or two there would be a great help, as well.
Thank you, in advance.
Read Answer Asked by Kyle on October 15, 2018
Q: Hi,

I've got about 6k in my kids' RESP and would like to take advantage of the current market conditions to deploy the cash.

The RESP currently holds BAM (@13%), Sentry US Growth Mutual fund (@ 38%), Invesco Global fund (@30%) with cash making up the difference (@ 20%).

I'd like to add a tech position and would like your opinion on whether to buy a hedged ETF or un-hedged - specifically XQQ or QQQ, or other? This account is a buy and hold with a long term (10 yr +) horizon.

Thx.
Read Answer Asked by Cameron on October 12, 2018
Q: Hello 5i Team,

For international emerging market exposure, I hold some funds in the Ishares India Index ETF, which has been brutalized of late, (along with other emerging market equities). I'm slightly above water on this holding at the moment, but the trend line is down. Do you think there is decent chance of recovery in the medium term, or is it time to bail. Thanks.

Brad
Read Answer Asked by Bradley on October 12, 2018
Q: It seems like FLOT, MFT have not seen the dramatic price drop as XBB and CBO even though XBB and CBO have the lower yield. Could you comment as to why? For new money in the present market what would you suggest? Thanks for your service.
Read Answer Asked by Ozzie on October 12, 2018
Q: Does Horizons or similar company have a tax deferred ETF that would be similar to VGG. I understand HXS does for US exposure, though I am interested in one that focuses on dividends which are only taxed as capital gains once the stock is sold. Thank you for your service.
Read Answer Asked by Ozzie on October 12, 2018
Q: What's your view of continuing to hold VIG in the near to medium term? I'm thinking there could be an increasing amount of pressure on it and its constituent companies as higher bond yields are actually materializing and are making VIG's 1.84% dividend look anemic by comparison. Is there an alternative holding/strategy you might recommend in its place during this period?
Read Answer Asked by Peter on October 11, 2018
Q: Looking for fixed income exposure (Canadian). One or two ETFs if possible. What impact should we expect of rising rates on these ETFs? Thanks.
Read Answer Asked by Jean-Bernard on October 11, 2018
Q: Do Vanguard's Canadian products require the filing of CRA 1135 form?
Read Answer Asked by Ed on October 10, 2018
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