Investment Q&A

Q: I’m an investor with a well diversified portfolio and an appetite for growth but I’m considering getting defensive with my kids RESP for capital preservation. I’ll start withdraws in 18 months and continue withdrawing for 9 years if all goes according to plan. Thoughts on how I should structure this portfolio so I can ensure capital is preserved and available when I need it. Any suggestions for stocks, etfs or other that would fit the bill?

Q: I'm looking for an unhedged Canadian etf that tracks the nasdaq 100. When comparing ZNQ to HXQ I see that ZNQ doesn't pay a dividend but rather reinvests it. Also it has cheaper fees than HXQ. But HXQ pays a small dividend. The returns over time seem marginally better for ZNQ. But when the div's are factored in, is this more of a wash or does the tax preference of no div's help more? This would be in an RESP for reference. Thx

Q: Can you name a handful of ETF options for long term holds in my son's RESP account. Growth, dividend, and balanced. Looking for exposure in Canada and USA. I don't want the headache of managing stocks for this portfolio. I'd rather have something that I can just buy and not look at it for 15 years until he needs it.

Q: These are 3 Canadian stalwarts in my kids' RESP. Expected 1st year of withdrawal is 2035.
CSU - today's price is $4481 ish
ATD - today's price is $79 ish
BN - today's price is $82 ish

I only have enough money to add to 2 of the 3 positions today. Which 2 names would you add to, at today's prices?

Q: Looking for your top 5 Canadian picks for RESP … 15 yr time frame

Q: Hello,

Can you please provide recommendations of US REITs covering AI server infrastructure and or warehousing for entities such as AMAZON.

Thank you!

Q: We are planning to set up a separate investment account for our grandkids. Assume a 10 year hold. There are a few sectors we would want to overweight - 3 stocks, CAD or US, in Financials, Industrials, Technology and 1-2 stocks in the others. What would you look for and how would that translate into individual stock selections.

Q: Hi, thank you for answering my previous question. I wanted to ask a follow up.

[Previous question: "If you were to create a mini model portfolio of an FHSA with a 5-year timeline and low-risk tolerance. What would your holdings look like?" Answer: "Assuming six stocks: BN (20%), TRI (15%), QSR (15%), EQB (15%), CSU (15%), RY (20%)"]

If your were to include ETFs and/or stocks, would your holdings be different? and if so what would they look like?

Thanks in advance!

Q: we are going to start a resp for a grandchild so will probally have some 17 years to work . what top 3 growth companies in the u.s. and 3 in canada also would you start to look at today which you like for the long term.

Q: Can you give me your best choice for a new position to add to an RESP that has a long runway (12 years) ..it can be a Canadian traded stock or ETF or a CDR. Thank you.

Q: I am trying to decide what to sell in my children's RESP account to generate cash flow for withdrawal to pay for upcoming tuition.

the portfolio consists of 5 investments in the associated %
BCE 45 %
TD 15 %
BMO 15 %
RY 15 %
Telus 10 %

What would you sell today? which one do you think has the best upside of doing well in 2025, that we should hang on to with the hope that it will perform well in 2025 ?

thanks

Ernie

Q: H i5i,

I have a question about opening $10,000 RESP for our granddaughter who is 11 yrs old. An extra $2,500 will be added each year to qualify for the $500 from the gov't.

We are newbies to RESP's so pardon our ignorance for our lack of knowledge. Our current service is through a CDN bank so each transaction costs $. That is ok for us as a buy and hold strategy. For an RESP, is it best to open an account with Wealth Simple to avoid fees? We would like a DRIP stock(ETF) and then a suggestion how to manage the additional funds that are added each year. Do you have any suggestions?

Thank you for your service. Without question, 5i is the best value that I have ever found. It is our go to reference and we let everyone know if they pay for one service, 5i is the best choice.

D&J

Q: The stocks are held in m grandson's RESP. Please recommend any others or substitutes. He will not need to access these funds for at least 3 years. At what point would you consider beginning to move out of these growthier equities into less volatile of lower risk? Do you have any recommendations for quality dividend payors that you would slowly accumulate as you reduced these equities?


Thanks very much for your advice.

Mike

Q: Hi,
As a general rule, not personal advice, for a moderate to high risk investor, what would you recommend for equity/fixed income proportions leading up to an RESP withdrawal in 2029, by year please. (Example: 2024 80/20; 2025 70/30, etc.) Thanks very much.
Michael

Q: Hello 5i Team

Are US "mortgage reits" similar to Canadian Mortgage Investment Corporations?

Could you please provide a few ideas of US mortgage reits for me to research?

These would be held in an US$ RRSP, to minimize any tax considerations.

Would the distributions be similar to US corporate dividends and not US MLP distributions (K-1 tax form) which are problematic to hold in RRSP accounts?

Thank you

Q: The above holdings are in an RESP that won’t be required for at least 7 years. For new money, which sectors to add and a couple of suggestions please.

Q: I am looking to add some real-estate to my portfolio .
Are there any ETF's or stocks you would recommend.

Q: Looking to ensure I understand the RESP contribution limit. I see you can contribute any amount to an RESP, subject to a lifetime contribution limit of $50,000 per beneficiary

My daughter was born in 2017 and I have been adding $2500 per year to get the $500 grant. Assuming she will go to university at 18 ($2500 x 18 = $45K) does that mean I can only add 5K to reach the life time contribution limit and anything above that will cause and issue?

Q: Hi. I have an RESP for three grandkids, ages 5, 7 and 9. Current holdings that I'm underwater on are: AEM, BCE, BN, NTR and TVE along with these: ARX, BAM, CSU, ENB, RY, TD and TOU. I'd appreciate your overall comments on account re sector allocation and any obvious sells. As well, I'd like suggestions on how to deploy $7000 cash. Thx.

Q: The ETF, HXS pays no dividend. So if HXS was held in a RESP account, can one avoid the US 15% withholding on dividends, because HXS pays no dividend, whereas ZSP held in a RESP account would be subject to the 15% withholding tax, because it does pay a dividend. Thanks … Cal