Investment Q&A

Q: Regarding the monthly distributions paid by these ETF's, are these subject to 15% witholding tax or net of them since the etf's trade in Canada? Thx

Q: Clarification on my question on copper stocks and ETFs.
I copied and pasted that question. I am not sure how those numbers appeared.
My question was about investing in the metal itself and was not related to a specific stock.
Thank you.

Q: Hello, The Sprott Physical Silver Trust quotes in USD, but when you go to buy on the TSX it converts to CAD. If you don't have a USD account, then the order execution is in CAD funds, etc. Do you foresee this as an issue, or do you only recommend this fund if buying in USD. Is there a separation with the fund for USD and CAD denominated holdings. What is your recommendation on method to buy this fund. I did buy a position already in the CAD converted option.

Q: I'm looking for a lo-volatilty ETF with some growth for a long term hold. Which would u recommend or do you have a better option?

Q: Greetings 5i,

Your thoughts on this etf for a TD customer in a tfsa. Building the wife's portfolio with safer broader market products as we get 10 years out from retirement. What would be your max % for this product in such a portfolio? What other etfs might you consider for a portfolio 10 years out from the big day? I realize you cant personalize advice but I would like your / the industries general thoughts on the subject. Take as many credits as you need,

Cheers!

Q: I am a retired investor of 60 living comfortably off my pension. I have done very well with your advice over the years, but want to be a more passive investor.. I have read many of your answers regarding etf's. I am thinking of moving my investments towards etfs in the future. For US ZSP and VGG 40% XIC/VDY Canada 40% and International 20% VIDY. Thoughts on my choices and percentages. Any other suggestions? Thank you for your great service over the years. Also any thoughts or preference between BMO vs Vanguard. Thanks Stephen Deduct a few extra credits if needed.

Q: Relate to a AI driven energy demand, any investable companies or ETF you could suggest? Thanks.

Q: What are your thoughts on this ETF ? Good investment if one feels banks are quite highly priced at this point ? Are there other similar ETFs out there ?

Thanks,
Mark

Q: Thoughts on CPD for the coming year? How much more volatile is than XBB. Trying to understand how it fits into my portfolio between equities and bonds,

Q: Which would you prefer and why? Is there any need to hold both?
Thanks

Q: 5i. Can you comment on a Direct indexing portfolio offered by Wealth Simple. You can choose Canadian or US. It includes tax loss harvesting.With a few of .15% Any thought thoughts appreciated.Thanks Larry

Q: Would you please recommend some high dividend ETF for low risk. It can be either only Canadian stocks or mixed with US and Canada. May thanks

Q: Happy New Year to all of you at 5I. What are your thoughts on MCHI? I've owned it for a while and it has done nada. China is an export juggernaut with a domestic market in a shambles. The real estate vortex continues. Would India offer better prospects than China, at this time and for say a three to five year hold. Or, back to Japan? I want some exposure to Asia but what say you? Many thanks

al

Q: Hello everyone
For a 3-5 year hold, what would be your top 5 picks in order for each.

Canadian small cap
Canadian mid cap
Canadian large cap
Canadian listed total return ETF
Canadian listed income ETF

Thank you so much

Q: I am looking for income replacement for BCE - I am chasing dividends. I looked at HDIV and noticed most of the 10 holdings are covered call ETFs (HMAX, AMAX, QMAX, EMAX, UMAX, RMAX, CDAY,,,).

Given the 2026 climate, is it better to have HDIV with its broader sector diversification but many covered call ETFs or pick one.

Q: Hello 5i Team,
I was looking at the performance of ZSP vs. SPY on the Google Finance site.
ZSP shows a 1-yr return of 13.33%, and a 5-yr return of 97.04%
SPY shows a 1-yr return of 17.67%, and a 5-yr return of 81.69%
Why are the returns so different if both are looking to replicate the returns of the S&P 500?
For a long term hold within my RRSP, would it be better to take a position in one vs. the other, or take a half-position in each?
Many thanks,
Brian

Q: My current plan is to add to my XIT holdings in my TFSA with this year's contribution.

By the way, XIT tracks very well when compared with QQQ...using multiple timeframes on your charting system. They overlay each other very closely....surprises me.

This is actually a "timing" question. Usually I just contribute the money and then buy according to a well laid out plan weeks in the making. However, with the big run up last year and the slide in stock prices lately, I can't help but ponder whether I should just sit on my hands for a bit?

My full plan was actually to buy the first $7k tranche sooner (early Jan), then create some cash from the other holdings in my TFSA and buy a 2nd tranche later...Feb?

Your thoughts?

Thanks for your help throughout the years....been with you from virtually the beginning....love the service!!! Steve

Q: I was disappointed to discover that this ETF had a distribution of zero for December 2025. Any ideas about what occurred?

Q: The best Real Estate Investment Trust (REIT) ETF to invest in in Canada & in the USA?

Thank you.

Q: For investments outside North America what Mutual Funds or ETFS would you recommend given specific stocks harder to buy unless you have also EDRS to recommend