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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: I am wondering about the appropriateness of your Balanced ETF fund being held in either RRSP or TFSA from a tax perspective.
Read Answer Asked by Steven on February 14, 2019
Q: Greetings,

I am currently reviewing holdings as i have taken over management of my own US 401K. I generally prefer to hold the individual stocks over paying management fees, however, as I research this fund, the fees seem to be worth it in this case and i certainly like the monthly dividend as i head into retirement in the next couple of years. Your thoughts on this one?

Thanks
Read Answer Asked by kelly on February 14, 2019
Q: Hi 5i team,

I have 817k in a LIRA to invest. This is a portion of my retirement money that I will rely on for income. I still however would like some growth too. I was thinking 50% in VFV and the balance in a high yield dividend paying etf. Your thoughts and could you please recommend a high yield dividend paying etf. Thanks for your amazing insight!

Glen
Read Answer Asked by glen on February 14, 2019
Q: Thinking of buying a cyber security company or ETF representing the group. Which do you like? Are there any in Canada?
Thank you.
Read Answer Asked by Steven on February 14, 2019
Q: What do you think of DVYE the Ishare emerging market dividend ETF. Well rated by morningstar in its categorie. I know you recommend VEE / VWO in US version which is what i want. Any red flags, should i stick with VWO for market cap exposure ? May i have your analysis and comments.
Thanks !
Do you think you're going to do some buying in the income portfolio which I was kind of waiting for to get new prospects ?
Read Answer Asked by Denis on February 14, 2019
Q: Hello 5i...The preferred share space took a real hit from which it has not recovered. I am thinking of adding one of the above as part of my fixed income allocation but to my non registered account. All of my fixed income and GIC's are in my RSP. I am conservative age 68 and need 4-5% long term. The recent volatility however does concern me. I value your opinion ..thank you Gary
Read Answer Asked by Gary on February 13, 2019
Q: My sons who are in their 20's currently hold TXF in their TFSA's. Do you think OTEX would be a better fit in a TFSA as they will not need these funds for a very long period.

Thanks.
Read Answer Asked by Brian on February 13, 2019
Q: Could I get your opinion on the potential for VIGI. I am looking for safety with modest growth in my RIF. Is it dependent on Brexit or mainly just the European economy? I also hold MAW102 and VIG which have both performed better than VIGI. I have considered selling VIGI and investing the proceeds 50/50 in the other two. Comment and suggestions appreciated
Read Answer Asked by Doug on February 13, 2019
Q: Recently, I have invested, albeit cautiously,in this compounding financial ETF. These types of ETFs don’t seem to be covered, but it would be of interest to have your assessment.
Thank you, Team!
Read Answer Asked by Sigrid on February 13, 2019
Q: Hello 5i,
Which ETF for exposure to Canadian utilities is preferred? Is there a preferred US or global utility ETF available that could be held 5+ years.

Cheers,
Debbie and Jerry
Read Answer Asked by Jerry on February 13, 2019
Q: Hi.

XIU is mentioned in your latest newsletter (February 10 2019 I Volume 25 I Issue 2) under 'iShares S&P/TSX 60 (XIU)', but XIC is used in all three of your model ETF portfolios. Can you explain which one you prefer and why.

Thank you.
Read Answer Asked by Paul on February 13, 2019
Q: Hi.

Currently moving my portfolio from mostly stocks to mostly ETFs. Was reading your latest ETF & Mutual Fund Update newsletter (February 10 2019 I Volume 25 I Issue 2) where I read this under 'Exchange-Traded Funds For Your RRSP':

'When it comes to Canadian-listed funds that hold U.S. equities or hold U.S.-listed ETFs it is best to avoid them because U.S. dividend income is taxed on your behalf.'

I also see XHC (CAN), listed in your Growth ETF Portfolio (Oct/11/2018), has only one holding: IXJ ETF (USA). Based on above, would it then not be better to hold IXJ directly in a USA $ RRSP account), if one is not concerned about CAN/USA $ hedging?

Thank you.
Read Answer Asked by Paul on February 13, 2019
Q: Trying to get a bit more geographic diversification in a TFSA account that is, at present, all Canadian equities. Would you suggest something like HXS for US diversification with the swap arrangement to limit tax implications? Or would something like VGRO make more sense with greater geographic diversification and a little fixed income?

Thanks for the great service,

Doug
Read Answer Asked by Doug on February 13, 2019
Q: I bought this etf when it launched October 2017. Even though the volume has been frightening low, I'm comfortable with the channel it trades in, and I like the income. With shrinking global growth and debt concerns can this etf survive or should I sell now while the unit price is near the top of its channel?
Read Answer Asked by Patti on February 13, 2019
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