Investment Q&A

Q: JEPI can be bought in either USD or CAD. If I buy it in CAD is the dividend paid in Canadian dollars and therefore no 15% holdback if held in a non registered account?

Would the same apply to JEPQ?

Thanks

Q: You responded to my question on XMHQ in June 2025, and I’d like to know whether your views have changed since then. The ETF has essentially gone sideways over the past year notwithstanding strong markets. Its Morningstar assessment has not seemed consistent with either its performance or its underlying composition. XMHQ’s better performance before 2024-25 but that’s not reason for confidence.
I’d welcome your updated insight — particularly on whether the current constituent mix looks more compelling in an environment where investors may again be concentrating less in mega-caps and technology businesses.
Do you see XMHQ’s prospects improving from here? I am not entirely clear on what key drivers influence its valuation. The prospect of lower interest rates does not seem to have much impact.
Thank you in advance for your deeper perspective.

Q: Hello,
I have owned stpl for years as a sector based diversification strategy but feel it has had disappointing returns, even for that sector noting that there are some great breakout picks in the staples sector.
Could you please advise if you think it is a reasonable choice for the staples sector versus specific picks?
I realize that you typically recommend dol as well as wmt, cost and pg. just wondering what you think are good long term picks at this time given significant movement in these in the last couple of years.

Q: I'm interested in this fund for it's VERY high yield. Wondering if it's sustainable?

Q: At age of 85 is it worth for me to consider converting my present holdings of 20 diversified ETF's to All-in-One ETf's?
If yes can you give me an idea as to the negative or positive reasons behind this decision and which ones from your blog list that should be considered! All the present holdings are in RRIF and TFSA.
Thank you for taking the time for your reply & Merry Xmas!

Q: Can you please advise which CYBER securities ETF would yor recommend to hold. Please share in CDN & USA ETF. Is there any equal weight ETF.

Thanks for your excellent service

Q: I would like to purchase an energy ETF. XEG is a Capped Energy Index while ZEO is an Equal Weight Index. What do you prefer & why. Thanks … Cal

Q: Would you purchase these etf's today at these levels?How much upside do you see for each of them?
Thank you

Q: Is this a good ETF to park some cash for a one year period or do you have a better alternative with roughly the same dividend? Thanks

Q: This ETF has been in a steady decline since I bought it some 18 months ago and I now have a 16 % loss in my RRIF. Please discuss the dynamics of this etf so that I may make an informed decision as to hold or sell. I do like the income and the high yield ,( but unfortunately the yield keeps going higher !). Thanks. Derek.

Q: Your opinion on this ETF,please.

Q: hi all
what are your thoughts on ENCC. Is its dividend sustainable?
thanks
Joe

Q: A while back my phone kept giving me updates about Poland's stock market performance which I thought rather odd. However it sounds like their economy has experienced a lot of growth lately. Is that likely to continue? Are there any ETF's (US or CA) that you might recommend if one wanted exposure to Poland? I realize you don't follow non-NA markets that much but any info you can offer will be appreciated.

Regards,
Zara in BC

Q: wish to park some money, which one of these eft's do you suggest with reagard to liquidity, capital loss/gain, and actual long term yeild

Q: I've been mainly a growth investor (30+ time horizon ahead) but am looking to FIRE in a few years, I'm shifting some of my growth stocks into income producing stocks. I have some dividen ETFs (XEI, VDY), some indv dividend stocks and thinking of adding in covered calls or something like FFN although I read from your previous comments you're not fans of split share corps. What is your opinion of using covered call ETFs and why are you not a fan of split share corps? Take as many credits as needed.

Q: What are your thoughts of factor investing for this ETF ?

Q: I recently asked a question stating that i need to increase my holdings in basic materials and the utilities sectors. You were kind enough to offer some choices. I did mention there that I wanted to avoid dividends. But that is difficult for these sectors. I didn’t mention, however, that as well as sectors I need to also bring up my U.S. and outside North America holdings a bit. And I thought this might be a good way to accomplish that. So, May I add to the question by asking for possibilities in these regions?
Thanks for this great service

Q: I am setting up a retirement portfolio. i know that in your view allocations are personal but if you were setting up your retirement portfolio what would be your highest ZUT allocation that you would be comfortable with? what would be your allocation per dividend/conservative non-overlapping ETFs? what would be your top 5-6 ETFs for such a portfolio?

Q: Your opinion, please.

Q: Is there an ETF with a similar overall P/E, dividend, and composition to FLVU but with lower MER ?