Investment Q&A

Q: Donald Trump is causing so much uncertainty in both Canadian and US markets. Canada might even go into a recession.

I know that you mentioned that we should not react to the Trump threat.

However, if I had to sell all my stocks and ETFs ($400k) and start from scratch today, what would be the top 20 stocks/ETFs ( US and/or Canadian) that that you would invest in.

Would you just buy SPY/ZSP.to/ VGT/ SCHG ETFs in the USA market for safety?

Fyi, I don't like bonds.

Q: Could you please provide a list of top US ETF’s that can be bought (low cost with great management)
a) using a US dollar acct
b) using a CDN dollar acct
3-5 for each.

Thanks

Q: On November 14 , a question asked by Trevor 5i said that IUSG could be a buy and forget ETF .Is this etf also in Canadian currency and if not what would you recommend as alternative?
Thank you

Q: Good day,

I am setting up TFSA and FHSA accounts for an 18-year-old with a 15-25 year investment horizon. The goal is to contribute the maximum annual limit each year, which is $7,000 for the TFSA and $8,000 for the FHSA in 2024, and continuing at those levels in subsequent years. From an aggressive growth perspective, without restricting the investment options to Canadian markets, what would you recommend? Also, do you recommend making an lumpsum investment or spread the purchases over time? If so, how do you suggest I spread the purchases.

Thank you

Q: Hi Gang
Can you give me a your top 5 ETFs that hold top us stocks

Thanks Mike B

Q: I would like to find an etf in Canadian dollars unhedged, for the s&p 500, and any other unhedged etf you might suggest

Q: Hi, I am new (about 1 year) to investing. After being approached from the branch level financial advisor, I figured it might be best at the time. He put all my funds into two items namely:

BMO Covered Call Canadian Banks ETF Fund
and
BMO U.S. Equity ETF Fund. This one had the most funds.

Since that time I have redeemed some funds and opened BMO Investorline account and purchased about 10 different stocks/etf's. The branch level financial advisor never calls or emails any advice period other than to say I am making about 18% and should be happy with that. Really??

2 days ago a lady from BMO investment center calls me and tells me I am paying 1% in management fees and can save ~ 0.66% by purchasing BMO95722 which shows up as BMO U.S. Equity ETF Fund. Yesterday I put in a redemption request for the balance of the BMO U.S. Equity ETF Fund (on my bank account page that name doesn't have any stock symbol) and the funds will be in my bank later this morning.

What I am trying to accomplish right now is to just make enough via investments to pay for living where I am. And hopefully some growth in the value of the investments.

The question I have is, would buying BMO95722 be the right or best choice of investments.

Thank you for any assistance with this.

Q: Could you recommend a few CAD etfs for the US market/SP500/Nasdaq that do not require to be reported on form T1135 for an unregistered account over $100K? Thanks in advance.

Q: Hello,

New to investing and I have about 20K to invest to start...wondering how you would recommend to best distribute that? Looking for long term investments. Ok with some risk.

Q: I currently have ~$170K of VOO in my RRSP, up 45%. I notice that ZSP and VFV have better returns. Would it be worth it to sell VOO and go to ZSP/VFV?

Q: Hello 5I, I am considering selling some of my ZSP(S&P500) ETF holdings, and rake some the profits and buy more Canadian index funds like the BMO ETF ZCN. Many financial experts feel that the SP 500 market is currently unsustainable and over priced.

Your thoughts in this matter would be appreciated.

Q: Just put 8k in a FHSP. Can you please suggest how to invest. Next year will be another 8k etc.
Thank you

Q: What is the best s&p 500 etf?

Q: Hi 5i
I'd like to add to a small TFSA investment, which today is 100% in VGRO.ca.
I will add funds so that 25% will be in VGRO.ca and the other 75% would be spilt between 2 to 3 of these: ZMMK, VFV, ZSP, ZDI, XIU. Timeline is 2 to 3 years and thinking to be more conservative because already have VGRO for growth.
What would be your ranking highest to lowest. Are there other ETF's that I should consider?
Thanks!

Q: It is my understanding that VFV's holding is VOO, which has some withholding tax implications. ZSP holds the individual stocks, so no withholding tax. Am I correct or has VFV changed. If I'm correct I believe ZSP is a better product for Canadians.

Q: Greetings. Seeking a TSX traded in Cdn dollars ETF non-hedged that holds as a majority of its portfolio US equities the likes of AMZN AVGO MSFT PALO ALTO NETFLIX GOOG META NVDA or most of them and similars since wishing to sell a variety of these types of equities currently held as hedged CDRs in a registered account. Methinks the CDN dollar is destined for a fall at some point so wishing to remove CDR hedging. Please comment if this doesn't agree with your view aside from the difficulty in predicting currency moves. Thank you for any suggestions.

Q: For a CAD denominated S&P500 ETF would you prefer VFV or ZSP and why? In response to similar questions in the past it seems sometimes you suggest VFV, other times ZSP. I’m assuming that for all practical purposes they’re basically interchangeable with little to differentiate one from the other and that either would be fine. Thanks.

Q: I have a incorporated small business with some excess cash. I am taking out a small amount every year but the bulk will not be needed in the next ten years. No new cash will be added. I was thinking of investing half in EIT.UN and half in ZSP, but both are near all time highs. I would also be fine holding a handful of individual stocks. Would you have some suggestions? Thanks!

Q: what etfs do you currently like the most right now from a standpoint of mers, how market is priced right now. Also can you tell me being new to etfs can you buy a stock etf that has u.s. stocks in canadian dollars and if yes what is your favourite.

Q: hi 5i,
what are you top picks for non-Canada core ETF's for long term hold/accumulation? im looking for US markets, European, Asia, and India. I like very liquid entities, and a dividend is fine. If possible, can you include both hedged/unhedged to $CDN. I notice that most of the unhedged versions of the ETF's have higher annual returns-do you recommend hedging or no hedging for the $CDN?
thanks, Chris