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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: Peter and Ryan,
I know you're expertise is Canadian investments, but I'm interested in your thoughts regarding the future prospects for American regional banks.If you believe there is upside in the sector, are there any specific companies you could recommend, or is there an ETF you believe has upside in the future?
Thanks so much for your appreciated guidance.
Read Answer Asked by Les on November 18, 2016
Q: 3 ETF growth portfolio: In the April 2016 issue of MoneySense magazine, on page 14, there is an article titled, "A Growth Portfolio for the Long Term" It is made up of these ETF's. I did a backtest assuming the portfolio began on Nov. 18, 2013. The total return is 34.55%, or 11.61% per year. What is your opinion of these ETF's and this combination for a long term sleep-well-at-night portfolio? Are there other ETF's you'd suggest? (IWO perhaps?) BTW, no rush to answer this question.
Read Answer Asked by Helen on November 17, 2016
Q: I am nearing retirement. Most of my savings is in a non registered account (75% non registered and 25% RRSP). Can you suggest tax efficient ways of managing the fixed income portion of the non registered component? I understand ZBD and BXF are tax efficient. Would you recommend these or do you have any other ideas? MERs are important and I noticed the management fee for BXF is about .2%. With a return of only about 1% does an investment in this make sense?
Read Answer Asked by BRYAN on November 17, 2016
Q: Is there an ETF listed on the TSX that replicates fairly closely Barclays Global Aggregate Bond Index? If so, what is your opinion of the fund as a core vehicle for the fixed income allocation of my portfolio, in addition to laddered GIC's? Many thanks!
Read Answer Asked by Paul W on November 16, 2016
Q: Peter and Ryan,
I currently have equal exposure to BNS and TD in my portfolio. In light of the recent American election, would you sell the BNS holdings to buy more TD? (TD is acting much better post election). Both companies are held in my RRIF account.

Supplementary, if I wanted to add American Bank exposure, which ETF would you suggest adding to the same RRIF account?

As always, thanks for your much appreciated guidance.
Read Answer Asked by Les on November 15, 2016
Q: What is your opinion on these multiple factor ishares? They currently appear new as they do not have many shares outstanding, 1MMM to 2.5mm and have low volumes of trade. Should this be a concern a this point?
Read Answer Asked by John on November 14, 2016
Q: I own 4 Canadian financial institutions (BNS, CM, RY and TD). No exposure to life insurance companies or U.S. financials. I would like to avoid U.S. financials. I find it very hard to trust management and it seems like there is always a scandal at a major U.S. bank. I use to own Wells Fargo thinking it was best in breed and they couldn't even avoid scandal. With the advantage of the CDN dividend and BMO and TD's exposure to the U.S. I prefer to get exposure to the U.S. that way.

My question is whether I should sell CM since it is more exposed to the CDN economy than the others and purchase BMO instead for their U.S. midwest exposure? I am not opposed to getting U.S. banking exposure through an ETF like XLF perhaps. Which strategy do you favour? Each bank is currently 3-4% of my portfolio.

Thanks,
Jason
Read Answer Asked by Jason on November 14, 2016
Q: I am retired, and have a portfolio with a mix of equities, ETFs and bonds. I have some money from municipal bonds to reinvest and I am considering some ETFs such as XSB, CBO, XBB and XHY as options to invest these funds, with a 5 year investment horizon. In the current environment (interest rates and the US election), how do you think these ETFs will perform in the coming years? Thanks for your great service.
Read Answer Asked by Alan on November 14, 2016