Investment Q&A

Q: What are your thoughts on investing in private credit? Should it be part of a diversified portfolio? Are the above ETF's a good vehicle to invest in private credit?
Happy Holidays to the 5i staff!

Q: Hello, Im looking for a conservative option to GICs
Would it be preferred shares ? Please help and avise

thanks so much

Tim

Q: gold has gone up a lot this year do you think new buying for something like xgd is a reasonable decision?

Q: Will have to sell one of these to raise cash. Which one? Thanks and Greetings Peter.

Q: I’m looking for the MER to HDIV. The Globe & Mail has it at 0.65%, Morningstar lists 2.550%, Hamilton ETFs site says “0.00% (subject to the fees of the underlying portfolio ETFs)”.

I’m guessing I don’t get to pick the one I like best so wondering what it actually is?

Q: What is your opinion of this today? For a retired guy seeking Dividends + Growth? Or, can you suggest an alternative?

Thanks for your amazing service!

Q: Half of my RIF focuses on steady, monthly income and the other half on individual stocks. To balance safety with higher income, I am looking to have equal weight in FIE and HMAX. As I rely on this monthly income, what do you think of this approach for long term holding? Can you suggest better alternatives?

Q: Looking at the idea of adding covered call ETFs to add some income. Understand how they work, can you recommend a few to take a look at and maybe why?

Q: Sentiment appears to be favoring financials for now and 2026. Do you agree?
If so which of the following ETFs would your suggest as being the likely winner: KBNB 14Xpe,1 year14%,
XLF 18XE 1 Yr. 5%, IYG 19X 1 Yr, 10%

The composition of these ETF’s is similar but KBNB seems to favor a slightly different group of financial stocks including BRK.B

Hence my uncertainty. Thanks again for helping to sort this out,

Q: Good evening. I’m wondering what would be your choices for dividend etfs in a non registered account. I already hold xdiv. Can you kindly suggest a US market ETF and a couple for international exposure?

Thanks

Q: Is there an advantage to holding an ETF like ZAG compared to holding an ETF like GLB X HIGH INT SVGS-A? Which is more profitable in a non-registered portfolio?

Q: How are these ETF's created, and do they degrade as would a leverage ETF such as TQQQ? What would you suggest to be an equivalent on the Canadian markets?

Q: Further to my prior question re Canadian dividend tax benefits, would HDIV qualify?
It holds both Canadian & US securities.
Thanks again.

Q: Does this fund qualify for benefit as a Canadian Dividend fund?
Please explain rules to qualify for the dividend discount.
Thanks.

Q: Hi, I am currently underweight in my portfolio for each of the Healthcare, Industrial and Consumers Cyclical sectors. Can you please recommend a few ETFs in these sectors, preferably global and priced in CAD? Thanks!

Q: Hi Peter and Team,

This is the first question for this Middlefield ETF. I realize that its MER is quite high, but its performance appears to be above its peers. I am also impressed with its 5.085% distribution yield and its very low Beta of 0.34.

Portfolio Analytics indicates that we’re too low in the Healthcare sector as well as US holdings. This ETF could reduce the imbalance.

What is your opinion on MHCD at this time? Are there other ETFs in this sector that you find more compelling?

Thanks as always for your valued insight.

Q: Thanks for answering my question regarding Premum/Discount for TCSH canadian money market ETF. In your answer you stated "Indicated Yield" of 2.63%. I looked at the TD web site and could not find this metric. Can you tell me where I can find this important metric as well as help explain what "Indicated Yield" means? TD only provides current yield to maturity on their web site. Many thanks.

Q: I have both VIDY and VIU. How similar are they? Should I keep both for a long term hold? If I kept only one, which should I keep.
Thank you for your excellent advice.

Q: I'm thinking of shifting some money out of S&P500 index and into XSU / EQL / VIU so I'm not so overpositioned in tech and whatnot. Good idea? Thoughts?

Reasoning:
XSU - smallcaps should outperform at somepoint?
EQL - same stocks but more equally weighted
VIU - north am excluded (also own ind stocks in cad and us)

Q: Hi...just went through the most recent questions on ZRE.

I have held ZRE for 3 years and am up roughly 10% total return....so a little over 3%/year. It is in my wife's TFSA, as she is more conservative.

I am a huge believer in asset allocation and have a 5% target weighting in REITs, with roughly half of that coming from ZRE. The balance is from CDZ and ZLB. My belief is you can rarely time "what sector is going to perform when", so I set my overall asset allocation and for the most part just leave it....trimming-adding when appropriate.

I also own a home, which I do not include in my investment asset allocation calculations. Technically then, I do not need to own any ZRE.

What is your current view on ZRE as you look forward for the next few years? I am quite content to continue to let it ride, believing it will have it's day.....but maybe I'm just being stubborn. Is your current crystal ball showing conditions that are positive for REITs

Thanks....Steve