Investment Q&A

Q: My understanding of options is not very good other than the basics. Is ZPW a bull play or bear play on the market ? Part of me thinks that a put means a bear play but if the market goes up the put expires worthless and the fund collects the premium. So could you explain what conditions favour this ETF over one like ZWH which uses a call strategy ? What is the difference between how a rising, flat, or falling market will effect these two ETF's ? I notice ZPW has a slightly higher yield. Thank you.

Q: I toured a robo advisor which recommnended my portfolio should consist of 30% ZCS and 15% ZFM. Given I have have been hearing of rising interest rates ad nauseum, what is the downside risk in these ETF's ?

Q: What is your opinion regarding FUT, First Asset US Tactical Sector Allocation Index ETF (hedged) as a core US position.

Q: As always, would appreciate your assessment of this ETF. Questrade lists HBF @ $8.81 and also HBF.U @ $9.......what is the difference?

Mant Thanks! Austin

Q: Hi Peter,

ZEB & ZBK were recommendatons in August to cover Banks.
1. Is this strategy valid today for an RRSP (1/2-full position) or would you opt for direct investment in TD/BNS instead of ZEB (based on concerns with BMO and Royal).
2. Is another option for US banks recommended?

Thank you
Jerry & Debbie

Q: Hi, I would be interested in your views on $US denominated investments with high dividend/interest and moderate growth possibilities. Thank you.

Q: Both FEZ and XEU follow similar European stock indexes. Over the last year, they basically tracked each other. However, since May, FEZ has been relatively flat at $40 US, while XEU has dropped by about $2 from $25 to $23 Can. The divergence is difficult to understand, but I assume it is mostly due to three currencies being involved - the Euro, $C and $US. My question is which is the better investment for a Canadian investor given that XEU seems to be going in the wrong direction?

Q: I am looking for a short term bond fund, denominated in u.s. Currency. Probably something similar to xsb , only in the u.s. And not hedged. This will be part of my fixed income allocation. Any suggestions greatfully received. I did a search but couldn't find the precise instrment
Thanks

Q: Hi - I have a 8yr old child who has $40k to invest for their education - Expect to need it in 10 years - I know you don't give investment advise but What would you recommend to protect the capital (to some degree) but achieve some 6-8% growth target. What 4 or 5 ETF's would you consider - or would mutual funds be better?

Q: Hi Peter: I currently hold ZWH in my rrsp and as it is the only U.S. exposure that I have, am wondering what you else you would suggest as a compliment to it. ZWH currently is 6 % of my overall portfolio. I am looking for something of a moderate risk to hold for 3-5 years or longer.

Thanks, David

Q: Is there a etf to short $canadian or how can i do it at TD

Q: Greetings 5i,

I realize that you do not technically cover American stocks, but would value your opinion on this matter if possible.

I currently hold TPU.TO (slightly more than a half position), as well as a larger position (slightly more than my other "full positions") in BRK.B (held in US dollars). I am 36 years old, conservative, and greatly prefer long term holds.

My question is two-fold, so please deduct two credits if you deem it appropriate. First, given the enormity of BRK, as well as its ability to often outperform the S&P 500, do you feel as if both should be owned for broad American exposure, or would a single, consolidated position in BRK be more appropriate (I essentially look at BRK as a very low cost mutual fund)?

Second, if you feel that owning both BRK and an S&P 500 ETF is beneficial, would you recommend holding the ETF in Canadian or American dollars? If the latter, could you suggest a suitable US dollar replacement for TPU?

At present, these two holdings are my only direct exposure to US Equity (I also have XHY for US bond exposure), although I am planning to add a few single positions over the next year or so.

Thank you.

Q: What are your thoughts on the Indian economy for the next 3-5 years. Could you recommend a couple of etfs - one growth oriented and one for dividend growth?
Thanks for all your help.
Dennis

Q: I am slowly building the BE portfolio in my RRSP as funds become available. For instant diversification, would it make sense to own 20-30% ZDV for access to bigger names like BNS, ENB, MG, T, MX, CGX and SLF? Basically Financials, Energy and Utilities would be covered. I could then concentrate on adding the smaller names like SIS, PBH, GUD, ENGH, TOY for the remainder of the portfolio? Would it defeat the essence of the BE portfolio? Any other ETF would be better? Thanks!

Q: to invest in Emerging mkts, what is difference between VEE and VWO and which would you prefer? Or could you name 2 or 3 EM stocks that you prefer instead. thx. Helen

Q: Can I have your opinion and comparisons on these 3 international ETF for a long term core holding, to compliment VIG in an RRSP, which is best and why. No international exposure at the moment. I understand that XEF and ZEA both track the same index however I'm not sure why XEF would hold its own ETF for a 7% holding.

Q: I am thinking that Ireland stands to benefit from Brexit. Would you agree? If so would ERIL the Ishares Ireland etf that trades on the New York exchange be a way to capitalize? Is there a better way?

Q: For diversification of U.S. blue chips I have been looking at a combination of HBF and ZWH. There is about a five company overlap in holdings, HBF is not as liquid or as diversified in its holdings, is smaller in size but pays a higher dividend. Income and reduced risk are my primary objectives. What are your thoughts on HBF, would it be desirable to hold both and if you were to consider a combination what percentage would you consider?
Thank you for considering my questions

Q: My portfolio is in need of US and global exposure. Currently I only own two US stocks FB(3%) and BAC (2.8%) I also own VEE(2.4%). Can you recommend how I can add to my US and Global exposure. Also what percentage of a portfolio would you make them? I'm 38 and a rather aggressive investor.

Q: Greetings 5i,

I am looking to add some ETF exposure to the developed Asian markets (I currently have no exposure to this region), and am leaning towards VA. Does this sound like a reasonable choice to you, or is there another ETF you feel would be more appropriate.

I am 35 years old, am a fairly conservative investor, and have a preference for long term holds with as much diversification as possible. I already have ETF exposure to America (TDB), Europe (VE), and Emerging markets (VEE). This addition would take my overall portfolio to 30 holdings.

Thank you.