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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: TD Mgd Idx Bal Growth Port - e (TDB852). Would you consider this fund a good choice for a child's RESP, the Child would not need the money for 15 plus years. I lean towards more growth but family would prefer something more balanced. This is close to the"couch potato" method. MER is 1.27%. There are no fees to purchase this e-series fund with TD and no fees to sell after 2 months (not that it would be sold for a long time). It is a mix of their 4 e series funds (40% Canadian bond index, 23 % us index, 20% canadian index and 76 percent international index). Would you recommend something else?
Read Answer Asked by Michael on January 21, 2019
Q: https://www.theglobeandmail.com/globe-investor/inside-the-market/one-minute-portfolio-15-years-later/article37709823/

I read this article in the Globe today that appeals to me because of it's simplicity, low cost (few commissions, no MER's) etc and it's relative performance as measured by the author. I know it a very simple approach and mirrors the Buffet "Here's what you should do when I die" with my money. Would be very interested on your take of this and if you think it would be a good idea or not and why. Thanks Sheldon

(A similar article appeared in this weeks Globe)
Read Answer Asked by Sheldon on January 21, 2019
Q: Good morning. I would like to increase my fixed income allocations and would like suggestions on where best to invest additional cash. I already have enough in GIC’s and our pref shares have been suffering of late but we are below our target in the fixed side. Thank you.
Read Answer Asked by alex on January 21, 2019
Q: What Canadian listed ETFs that are invested more so in growth stocks would be suitable for a TFSA with a mid to long term horizon? I wish to have geographic diversification through one or more ETFs and one or more ETFs investing in small to mid-cap stocks. If there are mutual funds that have better performance, after fees, please list as well.
Read Answer Asked by perry on January 21, 2019
Q: RRSP: SPY, XAW.TO, VXUS
RESP: CDZ.TO, VGG.TO
TFSA: VAB.TO, VXC.TO

Sorry I didn’t quite understand your response to my earlier question. XAW.TO is in my RRSP, which you said was the appropriate place to house ETFs with US dividends to avoid withholding taxes. Why then would removing this from my RRSP result in “tax efficiency”?
Read Answer Asked by Eric on January 21, 2019
Q: I have held ZWE for a couple of years. I see BMO has released (in March 2018)
an almost identical ETF, ZWP. Has the same top 10 holdings and all other metrics are close, except the daily volumes.
Can you tell me why they did that?
Read Answer Asked by Peter on January 21, 2019
Q: I loaded these three ETFs into a dummy Globe & Mail Portfolio with a mock purchase date of January 2, 2018. The output returns to date are CLF (4.5%), ZAG (4.5%) and HYGH (10%). Why did HYGH do so well or is the Globe utility having issues?

Thanks so much!
Read Answer Asked by Danny-boy on January 21, 2019
Q: I am looking for good bond ETFs. Your comments on CLF, XSB, XBB and FTB. Given a possible interest rate increase I have leaned toward short exposure.
Read Answer Asked by Donald on January 18, 2019
Q: I am currently down 82% on this stock. I am in a Growth Portfolio. I have diversified across all sectors and geographies. I am considering selling and then investing proceeds in one of the following: XWD, CEF, or VGG.

Do you see any future growth potential for ACQ? If not, which of the 3 options would you suggest I invest in for growth.

Thanks for your continued assistance.
Read Answer Asked by Mauro on January 18, 2019
Q: Following up on Maureen's question about regional allocation - if you looked at Canada 40% US 35% Europe 15% and Emerging Markets 10% could you give me some suggestions as to which ETF's you might suggest I look at to achieve such a distribution.
Thanks,Terry
Read Answer Asked by Terry on January 18, 2019
Q: I have the following ETFs in my 3 registered accounts. A while back, I read something about US withholding taxes in registered accounts, which had me concerned that I’m not being smart about which accounts I should be putting my ETFs in. Can you please advise?

RRSP:
SPY
XAW.TO
VXUS

RESP:
CDZ.TO
VGG.TO

TFSA:
VAB.TO
VXC.TO
Read Answer Asked by Eric on January 17, 2019
Q: please provide mi with best options of Canadian ETFs to mirror above US ETFs :QQQ, SPY, SSO ,that I can put them into my Canadian TFSA .
Thanks for great service
Andrew
Read Answer Asked by Andrzej on January 17, 2019
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