Q: Hi! Thoughts on best international stock ETFs for TFSA using Canadian dollars. They are at all-time highs. Do they still represent value or should one wait for a dip? Thank you!
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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: What is your view on platinum and palladium (bullion not equities) over the next 2-5 years.
Thank you for your excellent advice.
Thank you for your excellent advice.
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Coinbase Global Inc (COIN $184.41)
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Robinhood Markets Inc. (HOOD $79.09)
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ISHARES BITCOIN TR (IBIT $42.13)
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iShares Ethereum Trust ETF (ETHA $17.49)
Q: seeing that you own some crypto I'm thinking I may get my toes wet, so to speak. At current prices, which one ETF would you favor of the above?
Also, I have more Canadian money available than US, is there disadvantage to IBIT.CA?
Should these be purchased in a Cash account, self directed RSP or TFSA?
Deduct as many questions as you need. I'll never get through these credits!
Also, I have more Canadian money available than US, is there disadvantage to IBIT.CA?
Should these be purchased in a Cash account, self directed RSP or TFSA?
Deduct as many questions as you need. I'll never get through these credits!
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BMO Ultra Short-Term Bond ETF (ZST $49.08)
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Global X Cash Maximizer Corporate Class ETF (HSAV $118.43)
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Global X High Interest Savings ETF (CASH $50.02)
Q: I asked this question on June 1, 2025 but did not get an answer so I am asking again.
What is the difference in underlining risks between ZST and high interest saving ETFs like CASH and HSAV?
What is the difference in yield between them?
I have about $100k in cash to park for 1 year ish so I am looking for a bit of yield during this time.
What is the difference in underlining risks between ZST and high interest saving ETFs like CASH and HSAV?
What is the difference in yield between them?
I have about $100k in cash to park for 1 year ish so I am looking for a bit of yield during this time.
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BMO Europe High Dividend Covered Call Hedged to CAD ETF (ZWE $21.33)
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Vanguard FTSE Developed Markets ETF (VEA $68.89)
Q: Are there any restrictions on international equities within a TFSA? How do the dividends work? Thank you!
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BMO Covered Call Utilities ETF (ZWU $11.86)
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BMO Canadian High Dividend Covered Call ETF (ZWC $21.92)
Q: I normally keep individual stocks to a limit of 5% of my portfolio in a registered account. However, with ZWC being an ETF, how high do you think I could go, given that it is diversified in many stocks?
What would be an attractive price to buy into ZWC?
If ZWU is also held in the same account, how high could you go for that ETF (as a percentage of the account)? And would that affect the amount of ZWC held in the same account?
Thank you.
What would be an attractive price to buy into ZWC?
If ZWU is also held in the same account, how high could you go for that ETF (as a percentage of the account)? And would that affect the amount of ZWC held in the same account?
Thank you.
Q: It seems you don't have it in your companies list, the question is, if one will buy it today will they receive the dividend? What do you think about the strategy in general?
Q: Do you have any insight into whether ZWU might increase or decrease its dividend going forward please? What factors might influence this, and if able to gauge or guess at it, what timeline might we see for a decision to update it? Thanks!
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BMO Ultra Short-Term Bond ETF (ZST $49.08)
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Global X Cash Maximizer Corporate Class ETF (HSAV $118.43)
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Global X High Interest Savings ETF (CASH $50.02)
Q: I’m thinking of switching my cash from CASH and HSAV to ZST. The reason is ZST now has a higher yield than CASH and HSAV (3%+ versus 2.6-2.7%)The intended duration is about 1 year.
What are the risks associated with ZST? Is ZST riskier than CASH and HSAV?
What are the risks associated with ZST? Is ZST riskier than CASH and HSAV?
Q: Hello, what is your opinion of the MSCI world ex-USA sector neutral quality index in general? There is a new ETF that follows something similar, but it is probably to early to invest in. Thanks
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iShares Russell 2000 Growth ETF (IWO $345.88)
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Vanguard FTSE Developed All Cap ex North America Index ETF (VIU $47.56)
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Vanguard U.S. Dividend Appreciation Index ETF (VGG $104.90)
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Hamilton Enhanced Canadian Covered Call ETF (HDIV $22.14)
Q: Could you suggest for a RSP portfolio, starting from a cash balance of 150K, an array of 5 ETFs, covering Canadian and US/International sectors.
Would VGG selling in CAD qualify for the exemption of US taxes, or does it need to be a US traded ETF to qualify.
Take as many questions credit as needed.
Thank you.
Would VGG selling in CAD qualify for the exemption of US taxes, or does it need to be a US traded ETF to qualify.
Take as many questions credit as needed.
Thank you.
Q: I am looking to add either AIQ or BOTZ to my portfolio for a long term hold. Both are ETF's. AIQ seems more focused on artificial intelligence while BOTZ is more focused on robotics. What would your preference be at this time?
Thanks
Thanks
Q: How would you suggest a 76 year old who has been retired for 15 years invest $500K+ from selling his family home? Living expenses are paid for already.
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BMO Europe High Dividend Covered Call Hedged to CAD ETF (ZWE $21.33)
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BMO MSCI EAFE Index ETF (ZEA $30.21)
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Vanguard FTSE Developed All Cap ex North America Index ETF (VIU $47.56)
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Vanguard FTSE Developed Markets ETF (VEA $68.89)
Q: Do you like these equally? Goal- growth, safety, income in TFSA for exposure outside Canada/US. Thank you!
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Fortinet Inc. (FTNT $78.70)
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Amplify Cybersecurity ETF (HACK $73.48)
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Palo Alto Networks Inc. (PANW $161.59)
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First Trust NASDAQ CEA Cybersecurity ETF (CIBR $62.79)
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CrowdStrike Holdings Inc. (CRWD $398.49)
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iShares Cybersecurity and Tech ETF (IHAK $43.62)
Q: Can you give an overview of cybersecurity ETFs and a recommendation please?
Or would you pick a single stock?
Or would you pick a single stock?
Q: Any suggestions for $24K cash in a FHSA that will be topped up Jan 26/27 and won't be needed for at least 4 years due to school. Thank you.
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iShares S&P/TSX Composite High Dividend Index ETF (XEI $36.87)
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iShares S&P/TSX Canadian Dividend Aristocrats Index ETF (CDZ $43.62)
Q: Hello
Just curious to how much overlap is there between CDZ and XEI? Is there a need to own both or can you just hold one. If only one which one do you prefer?
Jimmy
Just curious to how much overlap is there between CDZ and XEI? Is there a need to own both or can you just hold one. If only one which one do you prefer?
Jimmy
Q: I presently have $50000 U.S. cash that I would like to generate interest on.
No plans to invest it any time soon.
Would appreciate knowing what my options are.
Thanks so much.
No plans to invest it any time soon.
Would appreciate knowing what my options are.
Thanks so much.
Q: I have money to invest in a registered account and do not need the funds for at least 5-10 years. I was planning to buy a GIC, but the rates for 1 to 5 year terms are only in the 3% range. Instead, I am thinking of buying ZWU with a 7% return, realizing that there is no guarantee on the ETF price, but the rate of return is significantly higher than the GIC. My understanding is that the utitilies sector is quite stable and the price of this ETF does not tend to move much.
Do you see this as a good strategy to get a higher return with relatively low risk to the erosion of my investment value, given the long time frame?
Also, what would be an acceptable price to purchase ZWU?
Do you see this as a good strategy to get a higher return with relatively low risk to the erosion of my investment value, given the long time frame?
Also, what would be an acceptable price to purchase ZWU?
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Vanguard FTSE Developed All Cap Ex U.S. Index ETF (VDU $59.62)
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Vanguard FTSE Developed All Cap Ex U.S. Index ETF (CAD-hedged) (VEF $74.62)
Q: Hi
You recently suggested VEF for international exposure . This is the hedged ETF which I gather from past questions you don't really favor hedging. Could you explain why and when you would hedge and is there an alternative unhedged version of VEF?
Thanks
Jeff
You recently suggested VEF for international exposure . This is the hedged ETF which I gather from past questions you don't really favor hedging. Could you explain why and when you would hedge and is there an alternative unhedged version of VEF?
Thanks
Jeff