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Investment Q&A

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Q: I hold these ETF's in a RESP account and just wonder if all these ETF are different enough to own? Also would be be good to own XAW in the RESP account. Money is not needed for 10 years.

Thanks
Read Answer Asked on January 21, 2025
Q: I'm looking at portfolio style ETFs for my RRSP like VGRO. I find these Canadian based ETFs are overweight Canadian equites. My aim is to reduce the number of ETFs that i own in my RRSP. Is there any CAD ETFs that you recommend that cover global equities, including US, that doesn't overweight Canada?
Read Answer Asked by Matthew on January 15, 2025
Q: From a tax perspective, which of the above ETFs are best suited for:

1. TFSA
2. RRSP
Read Answer Asked by Paul on January 13, 2025
Q: I have these five ETFs in RESPs for my grandchildren: VCN, VFV, VMO, XAW, XIT.
This seems excessive, so I would like to consolidate: can you tell where there is overlap, and which three I should focus on for the future. Or should I sell 3 and add a new one? Or should I just keep all 5 and top up one of them? They have all done fairly well, but I feel more of a US focus going forward might be appropriate. If I'm gong to have a technology ETF, it should probably be USA? Thank you very much for all you have done for me over the years, much appreciated, and Happy 2025 to all at 5i.
Read Answer Asked by Gordon on January 02, 2025
Q: I have cash from a maturing GIC and am looking at options to reinvest it. I am considering evenly investing it in these 4. Time horizon is 2 to 5 years, low to medium risk. I would appreciate your thoughts on these or if there are other ETF's to consider. Thanks!
Read Answer Asked by George on December 09, 2024
Q: In an effort to minimize currency exchange costs, I am using separate all-in-one etfs for my CAD and USD accounts. The xbal for the CAD and the AOR for the USD account. I would be interested to know your thoughts and whether this merits attention. The xbal and others similar have huge Canadian weight which I would be happy to avoid. On the USD side they seem to have this sorted. My biggest beef there is that it is very US heavy and frustratingly, not visible in the 5i database. Could you please advise on option of xbal and aor, and also please look into integration of the AOR and comparable series?
Thanks
Peter
Read Answer Asked by Peter on November 28, 2024
Q: What are some ETFs that I can use to diversify my portfolio and have as a buy and hold strategy. 20+ year hold in TFSA. I want a portion of my portfolio that I don't have to look at at all. I currently have VFV and VEQT.
Read Answer Asked by Danielle on November 25, 2024
Q: Do you have any concerns with someone holding these ETF’s for a 3 to 5 year time period?
Read Answer Asked by David Michael on November 25, 2024
Q: I would like to add some Int’l diversification to my TFSA by way of a CAD listed ETF. Could you recommend a couple of ETFs that would exclude Canada? Also another option that would exclude Canada and USA? Priority would be growth and if possible tax efficiency.
Read Answer Asked by Bruce on November 20, 2024
Q: I currently have the above in various portfolios. I would like to add an ETF or 2 for the US market in that deals in (CAD) funds. Can you provide a few for ETF's that would complement my current holdings . Thanks David .
Read Answer Asked by David on November 19, 2024
Q: What are your recommended non-Canadian equity ETFs?
Do you prefer US only ETFs, or worldwide non-Canadian ETFs, for a long term hold?
Is it more likely that US equities will outperform non-US, such as Europe and Japan, or is it too hard to tell?
Read Answer Asked by David on November 13, 2024
Q: I am a retiree and looking for conservative growth stocks with target of 3 to 5 years hold. Dividend is nice, but, not important. Based on the current market condition and valuations, could you recommend 5 Canadian stocks and 3 global ETFs? Please suggest an entry point with a note for the reason of recommendations. Thanks so much.
Read Answer Asked by Teresa on July 29, 2024
Q: According to portfolio tracking and analysis, I am short on basic materials, consumer cyclical, consumer defensive, health care and industrials. I’m also significantly short on international equities. With this in mind, can you provide your top 3 to 5 companies for each sector to increase my holdings in basic materials, consumer cyclical, consumer defensive, health care and industrials. To increase my exposure in international equities, I will be investing in ETFs. Please provide and rank the top 5 ETFs with international exposure. Thank you.
Read Answer Asked by Don on November 14, 2023
Q: I own TOCA. Performance has been OK. But less than I expected from an aggressive ETF. Do you know a similar ETF of ETFs , with little Canadian and income exposure? I have XAW too, which I prefer.

I also own VGRO but not very growth-oriented with too much income, so I might get rid of VGRO. Your thoughts?
Thanks.
Read Answer Asked by Denise on June 12, 2023
Q: For a newly retired conservative investor, can you please recommend some good overall ETFs?
Maybe one that covers the globe conservatively?
For an unregistered account.
Thanks.
Read Answer Asked by Lois on May 17, 2023
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