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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'm looking for international exposure with more weighting on consumer staples rather than financials, since we have a lot here in Canada already. The best I can find is "ZLI" from BMO. When I look at the holdings, I recognize very little, and am concerned about the quality of those companies. Sure, an ETF is transparent, but if I have no way to "measure" the quality of the holdings, is this transparency useful? Can you help me out with this? Thank you.
Read Answer Asked by Matt on June 08, 2017
Q: Is there a etf with the major communication stocks in it,Bce,Rogers etc ?
Read Answer Asked by terrance on June 07, 2017
Q: Hello I need to add foreign markets to to my portfolio. I was looking for an Etf in either Canadian or US funds. I was looking for one to mainly target India. One or more that that has more exposure to Japan and Korea. As well as one that's overall balanced that I will put a larger weighting in. If you fell there's a better way about doing this please produced your thoughts.

Regards

Richard
Read Answer Asked by Richard on June 06, 2017
Q: I own VUN and VGG, plus several other US companies which make up my US portfolio. I'm looking for more growth - would you recommend IWO? Would you drop either of the Vanguard ETFs?
Thanks
Read Answer Asked by Ryan on June 06, 2017
Q: Hello 5i - I am soon to become a grandparent and would like to start a $1,000 portfolio the day the baby is born and continue contributing $1,000 on each birthday for the next 18 years. Which two stocks, or ETF(s), if that would be a better choice, would you suggest starting with?
Read Answer Asked by Sandy on June 05, 2017
Q: Hello 5i:
knowing this is one of your favourite funds in its category (I now own it), can you please advise something similar in the global space? Or, if possible, two funds/etf's; one which would include the US and one which would not.
thanks
Paul L
Read Answer Asked by Paul on June 05, 2017
Q: 5i team what would be your thoughts on adding some leveraged funds to my taxable account. The lending rate would be locked in at 2.99% for a year and then if no other promotional offers next year maybe in the 4% range after that. I would be investing the entire amount into ZDV with a dividend of 4.4%.

I can re invest the distributions monthly at no cost with Questrade. And the interest on the loan would be a tax write off.

How much of my portfolio would be the max to leverage (5%-20%) how long term should I be thinking to hold ZDV. Or any other candidates for ETFs?

Thank you!
Read Answer Asked by Kyle on June 05, 2017
Q: Hello,

I am considering buying a CAD-listed ETF such as XAW or VXC. Could you advise which account (RRSP, TFSA) I should hold the purchases to avoid or minimize withholding U.S. taxes on any dividends? I recall reading that buying a CAD-listed ETF of US/International stocks would not be sufficient to avoid US withholding taxes on any dividend. I am not sure if this statement is indeed accurate.

Thanks
Read Answer Asked by Vee on June 05, 2017
Q: What ETF(s) might you consider best choice(s) for dependable tax efficient income with no concern for capital appreciation whatsoever but capital preservation being very important in both CAD and USD please? Thanks.
Read Answer Asked by Peter on June 03, 2017
Q: Do you think it's necessary to hold both US and Canadian utilities in a diversified portfolio? I'd like to add to both my non-Canadian position and utilities, so XLU seems like a good way to kill two birds. I currently don't hold any Canadian utility companies.
Read Answer Asked by Ryan on June 02, 2017
Q: In order to avoid individual stock risk, my wife (retired) has asked my opinion on investing 30% of her total portfolio in 10% each of Canada, Europe, and the U.S. (The remaining 70% is composed of 5-year laddered GIC's) I have suggested the following... Canada would be broken down into ZWC and CDZ (on a 40/60 split), Europe would be broadly broken down into ZWE and XIN (40/60 split), and the U.S. would be broken down into ZWH and CUD (40/60 split). What do you think of this strategy? Would you recommend different ETF's to balance the covered calls for the three geographic areas? Thanks!
Read Answer Asked by Paul W on June 02, 2017
Q: A comment on ZST. The annual distribution looks good indeed at around 3.7%, but the weighted average yield to maturity is reported as 1.49% and the annualized performance is just 1.63% over the last three years. This asset has lost around 2% on its price every year. And capital losses yield lower tax benefits than taxable other income gains. One can do better on a net basis with a GIC.
Read Answer Asked by Philip on June 01, 2017
Q: Hi - I recently came into some cash - and am looking for a safe place to park it and hopefully earn a little more than a GIC. This ETF was in Rob Carrick's column in Globe&Mail a few weeks back - it has a dividend of approx 3.7%. I am wondering what the downside is.. I know it is interest rate sensitive, also trading is light. What are your thoughts and do you have any other recommendation?
Read Answer Asked by Julia on June 01, 2017
Q: Dear 5i
Can you confirm the following yields and MER`s for the following Bond ETF`s;
CLF yield 3.04% & MER .17%
CBO yield 2.91% & MER .28%
CPD yield 4.54% & MER .51%
XHY yield 5.47% & MER .67%
Thanks
Bill C.
Read Answer Asked by Bill on June 01, 2017
Q: Can you provide some data points around dividend "growers" companies and if not available dividend companies in general. Current P/E forward looking vs. historic average and ranges. Just wanting to get an idea on how much higher than the average these stocks are currently compared to historic levels, how overvalued they "may" be to help assess downside risk. Thanks!
Read Answer Asked by Husseinali on May 31, 2017
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