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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: Hi 5i, Would you please suggest a couple of USA dividend/growth stocks/etfs for my RRSP. Thank you!!!!
Read Answer Asked by Fernando on October 09, 2025
Q: Emerging markets sure seem to be emerging from the doldrums. What do you see as the short and long term futures here? What ETFs to you recommend in both CAD and USD? Are there any particular parts of the world you would focus on & is there a specific index that covers the emerging markets?

Thanks

Paul
Read Answer Asked by paul on October 08, 2025
Q: I've held PFZ for a long time in my RRSP (now RRIF) and my US account. The 10-year return is low. Is there an ETF that could replace this security in my US account and RRIF?
I'd like to improve the return and understand if there are any negative tax impacts.
Thank you.
Read Answer Asked by Serge on October 07, 2025
Q: I have been trimming a few positions in my TFSA as they've gone up quite high and now I have $40,000 USD and $4000 cad. I've been waiting to buy certain stocks on the dip and will DCA some of these funds into market but I was thinking I should put it in some type of interest receiving liquid option in the meantime. What you you recommend? I was thinking Cash.to for canadian dollars? SGOV for USD? I believe Sgov would trigger that 15% dividend withholding tax in the tfsa but it's better than swapping to cad and back to usd cuz my instituation charges i think 1.5% each time. Are there any other options you would recommend? for liquidity I can sell and have access same/ next day? thnks!
Read Answer Asked by Danielle on October 07, 2025
Q: I have owned MAW120 for almost 10 years, and upon looking at its recent performance, I can't find any reason to continue owning this fund. Can you?

As per Mawer's web site (https://www.mawer.com/funds/performance) it shows results as of June 30, 2025 versus its benchmark:

MAW120 1yr: -0.9%; 3 yr: 9.8%; 5 yr 7.7%
Benchmark: 1 yr: 15.8%; 3 yr: 19.6%; 5 yr 13.7%

For the one year period ending June 30th it lost money! It's benchmark earned 15.8%. It has > 50% invested in the US market. I don't see how they could lose money over that time period. Can you explain how it could lose money when markets in US, Canda and Europe over that period were generally good. Even their International Equity fund made 23.3% over the same 1 year time period.

I will be "firing" them. I have sold 1/2 today, and will sell the other 1/2 next week. I would like to invest in the benchmark for this fund, or something as equivalent as possible. Can you suggest 3 ETFs for me to buy for global equity exposure that have significantly better performance than MAW120.

Thanks,
Paul
Read Answer Asked by Paul on October 07, 2025
Q: I am considering holding a crypto currency ETF in my TFSA, approximately 5% of current TFSA total, with a 10+ year horizon. My goal is good long term return tax free.
Would you agree with this strategy>
Would you choose Bitcoin or Etheureum?
Would you choose an ETF or MSTR or BMNR? Why?
If an ETF, which Canadian ETFs would you investigate?
Thank you for your ongoing great service.
Read Answer Asked by David on October 07, 2025
Q: ProShares Ultra Gold ETF (UGL). Your thoughts on this as a leverage play on the gold bull market? Thank you
Read Answer Asked by Keith on October 07, 2025
Q: Hello 5i,

Could you recommend 2 to 3 ETF's for a long term hold in a RESP.

Thanks
Read Answer Asked by James on October 06, 2025
Q: This is a follow-up to the Sept. 11th question where you mentioned other funds that are similar to this. Could you name a couple that you would recommend please? Thanks.
Read Answer Asked by Ann on October 03, 2025
Q: I am retired but with a small consulting business that has cash sitting in an investment account. I have some concern about the valuation of the current markets and looking to invest with some tilt towards safety realizing nothing is guaranteed. I think ETFs may add a small amount of safety. With that in mind, I am looking at the following ETFs: XUT, XSU, XST, VIDY, TECH, TEC, JXI:US, FEQT with a slightly higher position in FEQT.

I would greatly appreciate your comments/thoughts and suggestions for improvements.

Thanks for this super service!
Read Answer Asked by Danny-boy on October 03, 2025