Investment Q&A

Q: Are target maturity bond funds a good investment for the fixed income portion of a portfolio if held to maturity? How is the yield and return impacted as the fund continues to purchase bonds for new investors in the future? Is there a cutoff date when the fund will no longer issue new shares? Can you list the advantages and disadvantages of this fund as compared to purchasing an individual bond and hold to maturity. Thanks

Q: Market price and NAV seem to have only vague relation to the spot price for copper. Does this have something to do with the fact it is a closed end trust?
Are there any other ETFs that track the spot price of the metal closer?

Q: Hi Peter and 5i,
For someone starting out in an RRSP with $13K to start and then monthly contributions.
I'm looking at one of the following:
1. XAW ($10K) and XIC ($3k)
2. VEQT
3. Other suggestions from 5i.
4. Once it reaches >$50k then start adding individual stocks.
Thank you for your answer and other possible suggestions.

Q: Hi 5i,

My portfolio currently has a full position in XGD which has been brilliant. Looking forward, how do you view opportunities in base metals/copper and uranium versus gold?

As the commodity rally broadens I want to expand my positions beyond gold and am looking for ETF exposure. I see ZMT and XBM for Canadian listed base metals, and HURA for uranium. Are there any other ETFs that you focus on?

Thanks in advance and please remove credits as needed.

Q: A portion of my portfolio is invested in gold, and I have enjoyed the ride that more than tripled the price of gold since February 2024, when the European Commission officially approved regulations allowing the use of proceeds from frozen Russian assets to arm Ukraine and stated that these assets would remain frozen until Russia repays damages to Ukraine after the war.

Even though I am pessimistic that Trump’s efforts will bring an end to this war - there is too much financial interest in the U.S. and Europe to continue it for as long as possible - there is still a chance he will succeed, and I expect that the price of gold may come down significantly following peace.

As PHYS doesn’t have options, is buying GLD puts the best way to hedge gold prices? Any other suggestions?

Q: Which of these would you recommend in order to take advantage of the AI spaceor would you own both?

Q: What percentage of a portfolio do you think should be non North American? Does that change if portfolio size is 500k, 2 mil, 5 mil?
Do you recommend fund or etf or individual stock, for someone with no knowledge and only buy stocks based on your recommendations? Which fund or etf?

Q: Good morning,
Looking for both hedged and unhedged versions for:
A) global healthcare exposure, and
B) global & US consumer discretionary exposure

What would 5i suggest?
Thank you.

Q: What is your opinion on this bond ETF? Have owned this in an RSP for a very long time and it has been extremely disappointing. Would you continue holding?

Q: This fund has done well over the last few years but historical really up and down. It shows a 9% dividend -is that correct? Could you let me know how high risk it is, and if you would recommend it as part of a basket of international ETF's? Is there others you prefer that you think would do better over the next few years and any in Canadian dollars? Currently I only own ZDI.
Thank you!

Q: can you suggest an AI etf that covers most aspects of AI?

Q: I know it’s not in your wheelhouse but would you have a good suggestion to invest in India? With the European trade deal and potential for increased trade around the world including Canada, it seems like a good place to begin investing a small portion of one’s portfolio

Q: If one sells ADBE at a loss and buys IGV, is the loss accepted by CRA or because it's included in IGV will not be accepted.

Thanks

Q: Would have any concerns or recommendations for a retired senior with a employment pension. Having a total portfolio consisting of xuu.ca, xaw.ca and xic.ca?

Thanks

Q: Every year I take 10% of my portfolio and invest in a specific sector ETF. Last year it was financials with a 36% return thanks to your recommendations 😊. What one sector would you invest in for 2026 and which ETF would that be?
Thank you for your excellent work!

Q: What do you think of this Harvest ETF as way to play Cameco and uranium. Paying a hefty dividend. Sustainable?
Guy

Q: Just wondering what your thoughts are on MBSF (Regan Floating Rate MBS ETF). It was noted on BNN this morning. Is the dividend of 4.62% correct and is it safe ? Any red flags with this one ?

Also it is not in your database.

Q: How would you rank? Are there better alterntives for the ETF payments space?

Q: I prepared a question on EWJ but when I hit “submit” your website logged me out; I will prepare it again but if you see the first one of course please ignore this.

A couple of questions. First, what is your outlook for this investment going forward? The ETF is based on the Japan index; does the market in Japan seem favourable? In particular, there has been a suggestion that the “carry trade” will be winding down as interest rates begin to rise; will this affect the investment prospects? Or does the ETF being in US currency shield it from any effect?

Second, what is the expected yield going forward? Different profiles for the fund show different rates. 5i I has it at 1.9%; BMO shows it at 4.53%. However, in December, I received a payment that was probably just over 4%, but that was a semi-annual payment. Can you see what it might be going forward to the next one in May? And can you explain why the December payment seems so high, especially compared to distributions in the past years?

Many thanks for your excellent service.

Q: Can you share your top US ETF picks for each sector? Thanks!