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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: Thanks for your previous response confirming these etfs cover major asset classes and geographies for an RSP with 5 years to retirement. Could you please suggest a couple of etf alternatives that could be added to provide a little more torque with a 5 year timeframe. A brief explanation for each would be appreciated. Thanks.
Read Answer Asked by Warren on February 16, 2021
Q: These ETFs make up my main bond holdings in an RSP. All have done OK, but are starting to slip a little bit. I also hold XTR, which has a high bond component, and noticed that they recently reduced the distribution. In an increasing rate environment, how would you rank these 3 bond ETFs in terms of (1) maintaining share price; and, (2) maintaining distributions?
Thank-you
Read Answer Asked by grant on February 11, 2021
Q: Are the following ETFs sufficiently diversified to form a balanced-growth portfolio of $100K - ZAG 25%, QEF 15%, WXM 20% and XAW 40 %. If not, what would you recommend?
Read Answer Asked by D on February 05, 2021
Q: If I buy:
ZWC ((BMO CDN HIGH DIV COV ETF) for Canadian exposure and income,
ZWS (BMO US HIGH DIV COVER ETF) for US exposure and income, and
ZWE (BMO EUROPE HI DIV COVER CALL HEDGED CAD) for European exposure and income,

that will give me about 7%+ income and exposure to about 120 very decent world wide companies. As a retiree, would I need to do anything else?
Read Answer Asked by Elizabeth on February 03, 2021
Q: I have transferred my RRIF account from a broker and I plan to self-mange that account. The cash balance as of today is $290,000. I'm 88 years old so I need strong cash flow and/or capital gains to meet the required annual distribution. Please provide a list of stocks and ETFs that 5i would recommend for that purpose. Thanks for your valued assistance.
Read Answer Asked by George on January 28, 2021
Q: Fixed Income portion of portfolio is 40% and some deposits came due so need to deploy that cash into fixed income. Thinking of putting 25% of the 40% FI into these two ETFs. I would appreciate your thoughts on this plan please. Alternatives are welcome. Thanks again.
Read Answer Asked by Danny-boy on December 21, 2020
Q: Having received the above funds shares from a bequest, I am contemplating on selling and replacing the above funds for ETF's which would be complimentary with diversification, possibly reducing fees and improve performance.

Garry
Read Answer Asked by Garry & Marlene on November 25, 2020
Q: 5i, thank you again for all the great advice! I saw someone asking a question about these bond / high interest ETFs earlier today. Do you have other suggestions for bond / high interest ETFs? I have a longer investment horizon, but currently are 40% equity and 60% cash. I want to put some of this cash to work in a relatively safer manner.
Read Answer Asked by Haifeng on October 15, 2020
Q: What are the best bond etfs to own in Canada and US in your opinion? Please provide several options in both countries. Thank You.
Read Answer Asked by Mirjana on October 14, 2020
Q: Good day
If I wanted to purchase ETFs instead of Mawer funds what would be the equivalent ETFs in Canada or the US
Thanks
Read Answer Asked by Indra on October 01, 2020
Q: I just recently retired and within my portfolio have approx 60% in Bonds (As per above) - while these have been a great hedge against the equity holdings, I am considering either selling some of the bonds listed above - approx 10% and moving these monies into either high yield bonds - ie CHB or ZHY or if not into high yield bonds possibly a high yield dividend fund like XEI or ZWC or ?
While I would like to increase the income on these monies - do you think this is a good time to make this move?
Read Answer Asked by Greg on September 25, 2020
Q: I just retired with no pension and living off my portfolio. I’m sitting on a lot of cash right now with very little US investments. I would like to start buying slowly. What would you suggest. Preferably ETF’s listed on the TSX with the odd US stock. Thanks
Read Answer Asked by HEATH on September 21, 2020
Q: If you were to start an resp now, would you consider these etfs as suitable or a combination thereof,or do you have alternatives? Thanx.
Read Answer Asked by Steve on September 09, 2020
Q: Good morning 5i. I am considering "parking" about 10% of my portfolio in "cash equivalents". Are CVD and CPD your preferences in this case as I see they pay out roughly 5% which seems a reasonable risk/reward scenario? Are there other options or recommendations that you might consider? Thank you in advance.
Read Answer Asked by Peter on August 25, 2020
Q: The bond portion of my portfolio is equally weighted between CLF and ZAG. With CLF having a government bond and shorter term focus and ZAG having a corporate bond component and longer average bond life, would it be sensible for someone with a medium risk profile to sell CLF and consolidate the bond portfolio in ZAG to take advantage of the higher interest return?
Read Answer Asked by Ken on July 28, 2020
Q: What are the best government bonds for a retired 70 year old, that presently has no fixed income????
Read Answer Asked by Manuel on July 23, 2020
Q: I have no exposure to fixed income and wanted to know if there are any other that you were preferred over this list? I am looking at buying all of these names each for a 5 % weight.

Thanks
Read Answer Asked on July 23, 2020
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