Q: Hi there - thanks for your reply. Just a follow up for clarification. You mentioned XEQT has exposure to fixed income which you noted as a reason for a better etf for long term hold, but I think both XEQT and XWD are approximately 100% in equities, with a different approach to geographical weighting. Does this change your recommendation of XEQT over XWD long term? Thank you!
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Investment Q&A
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- iShares MSCI World Index ETF (XWD)
- S&P 500 ETF TRUST ETF (SPY)
- INVESCO QQQ Trust (QQQ)
- iShares Core Equity ETF Portfolio (XEQT)
Q: Hi there - between these 2 etfs, which would you consider the better buy hold forever etf? Is there a better buy a hold forever etf other than these 2?
Thanks!
Thanks!
Q: In your response to Francesco on March 13, 2024, you indicated that HEQT is 34% US but I think that is only the large cap portion. Also, previously you noted HEQT had 65% US exposure. A plot of historical trends of XWD and HEQT show almost identical plots. Did I miss something? What are the MERs?
- iShares MSCI World Index ETF (XWD)
- Vanguard All-Equity ETF Portfolio (VEQT)
- iShares Core Equity ETF Portfolio (XEQT)
- Global X All-Equity Asset Allocation ETF (HEQT)
Q: Good morning,
In one response to a question on the choice of a International exposure ETF, the 5i preference was VEQT, XEQT and XWD in that order.
Q1. Has you opinion of the order of these Global ETFs changed in any way and given XWD's 5 and 10 year performance?
Q2. Would you kindly explain your rational for ranking XWD ahead of VEQT and XEQT and even HEQT.
Thank you in advance and I look forward to hearing your response.
In one response to a question on the choice of a International exposure ETF, the 5i preference was VEQT, XEQT and XWD in that order.
Q1. Has you opinion of the order of these Global ETFs changed in any way and given XWD's 5 and 10 year performance?
Q2. Would you kindly explain your rational for ranking XWD ahead of VEQT and XEQT and even HEQT.
Thank you in advance and I look forward to hearing your response.
- Global X S&P 500 Index Corporate Class ETF (HXS)
- iShares MSCI World Index ETF (XWD)
- Vanguard S&P 500 Index ETF (VFV)
- Vanguard U.S. Dividend Appreciation Index ETF (VGG)
- Vanguard Balanced ETF Portfolio (VBAL)
- Global X Balanced Asset Allocation ETF (HBAL)
Q: Good morning,
I am not crystal clear on the most tax efficient account to hold each of the above listed ETFs and before moving any of them to another type of account, I would very much appreciate your guidance on the most tax efficient type of account to hold each of the above listed ETFs.
The above listed ETFs are all held in our family Registered (RRSP/TFSA/RESP) and Non-Registered accounts.
Thank you and I'll await your sage advice.
I am not crystal clear on the most tax efficient account to hold each of the above listed ETFs and before moving any of them to another type of account, I would very much appreciate your guidance on the most tax efficient type of account to hold each of the above listed ETFs.
The above listed ETFs are all held in our family Registered (RRSP/TFSA/RESP) and Non-Registered accounts.
Thank you and I'll await your sage advice.
- iShares MSCI World Index ETF (XWD)
- iShares S&P Global Industrials Index ETF(CAD-Hedged) (XGI)
- Vanguard U.S. Dividend Appreciation Index ETF (VGG)
- Health Care Select Sector SPDR (XLV)
Q: My question yesterday did not seem to go through as it did not show up in "My Questions".
In reading your newsletter "What Investments to hold in your TFSA or RRIF" - I hold the above 4 ETF's in my TFSA and was wondering if they should be in this account?
I interpret your information as they should not be in an TFSA.
Thanks
In reading your newsletter "What Investments to hold in your TFSA or RRIF" - I hold the above 4 ETF's in my TFSA and was wondering if they should be in this account?
I interpret your information as they should not be in an TFSA.
Thanks
- iShares MSCI World Index ETF (XWD)
- iShares S&P Global Industrials Index ETF(CAD-Hedged) (XGI)
- Vanguard U.S. Dividend Appreciation Index ETF (VGG)
- Health Care Select Sector SPDR (XLV)
Q: I have the above ETF's in my TFSA and am wondering if these belong in a TFSA? On reading your newsletter "Investments to hold in your TFSA" , I interpreted this to mean they do not belong in the TFSA. Am I right?
Thanks for your response.
Thanks for your response.
Q: Hi All at 5i!!
I own both of these . Am I being a bit redundant ? If I were to sell one , which one would you suggest??
Cheers ,
Tamara
I own both of these . Am I being a bit redundant ? If I were to sell one , which one would you suggest??
Cheers ,
Tamara
- Miscellaneous (MISC)
- iShares MSCI World Index ETF (XWD)
- Vanguard All-Equity ETF Portfolio (VEQT)
- Vanguard Total World Stock ETF (VT)
- iShares Core Equity ETF Portfolio (XEQT)
Q: Hi there, there are many "all in one" etfs to pick from these days. If a person wanted to have a super simple portfolio, what would be your favourite (or the best) ETF to hold to gain 100% equity exposure that would require the least amount of maintenance? I know there is XEQT, VEQT, XAW, VXC, XWD, HGRO and many more. What would be your favourite? (Does not have to appear on the ones I have listed)
Thanks!
Thanks!
Q: Happy New Year to all at 5i!!!!! I have both of these ETFs in an unregistered account. I have held them for a while. XWD seems to be out performing XEF. I am tidying up my portfolio and am contemplating conglomerating XEF with XWD, and I would welcome your thoughts on this move.
Cheers,
Tamara
Cheers,
Tamara
- iShares Core S&P/TSX Capped Composite Index ETF (XIC)
- iShares MSCI World Index ETF (XWD)
- iShares S&P/TSX 60 Index ETF (XIU)
- Vanguard Total World Stock ETF (VT)
Q: Would like a current opinion on this mutual fund?
Is the fees worth the returns or would a global ETF perform better?
Greatly appreciate your opinion.
Is the fees worth the returns or would a global ETF perform better?
Greatly appreciate your opinion.
- iShares MSCI World Index ETF (XWD)
- Vanguard Growth ETF Portfolio (VGRO)
- Vanguard Total World Stock ETF (VT)
Q: What do you suggest using as a benchmark for sector allocations? I have been looking at global market sector exposures using the iShares MSCI World ETF (XWD). I also saw the Vanguard Total World Stock ETF (VT), which I believe has more small-cap exposure than MSCI World. If the global market is a good base to use, do you see any reason to deviate from these exposures at the moment?
I assume I shouldn't look at regional exposures the same way, the global market is heavily weighted toward US (60-70%). Would regional exposure for something like VGRO (equity only - US 43% / Canada 30% / International Developed 20% / Emerging 7%) be a good benchmark?
I assume I shouldn't look at regional exposures the same way, the global market is heavily weighted toward US (60-70%). Would regional exposure for something like VGRO (equity only - US 43% / Canada 30% / International Developed 20% / Emerging 7%) be a good benchmark?
- BMO International Dividend ETF (ZDI)
- iShares 1-5 Year Laddered Corporate Bond Index ETF (CBO)
- iShares Core MSCI EAFE IMI Index ETF (XEF)
- iShares MSCI World Index ETF (XWD)
- Vanguard FTSE Global All Cap ex Canada Index ETF (VXC)
- Vanguard U.S. Dividend Appreciation Index ETF (VGG)
- Vanguard FTSE All-World ex-US ETF (VEU)
Q: Just did a revue of my PORTFOLIO ANALYTICS and have a couple of questions as follows:
Under Fixed Income Defensive I have CBO, VGG & ZDI in my TFSA. Are these okay here or can be added to or any deleted?
Under International Allocations I have VXC, XAW, XEF, VEU & XWD in the TFSA. Are these okay as they are or shoud I be considering some changes?
Best wishes for the New Year and thanks for your great service!
Under Fixed Income Defensive I have CBO, VGG & ZDI in my TFSA. Are these okay here or can be added to or any deleted?
Under International Allocations I have VXC, XAW, XEF, VEU & XWD in the TFSA. Are these okay as they are or shoud I be considering some changes?
Best wishes for the New Year and thanks for your great service!
- iShares Core S&P 500 Index ETF (CAD-Hedged) (XSP)
- iShares MSCI World Index ETF (XWD)
- TD Global Technology Leaders Index ETF (TEC)
Q: My 25 years old son is starting a portfolio by buying all equity ETFs XSP (30%), TEC (30%), and XWD (40%) in Canadian dollars, which he intends to hold for a long time. 1. Is the selection of ETFs OK ? 2. Are there better alternatives in performance and fees? 3. Is the allocation OK? 4. Do you have any suggestion? Thanks.
- iShares Core Canadian Universe Bond Index ETF (XBB)
- iShares Diversified Monthly Income ETF (XTR)
- iShares Global Healthcare Index ETF (CAD-Hedged) (XHC)
- iShares MSCI World Index ETF (XWD)
- iShares S&P/TSX 60 Index ETF (XIU)
- iShares Global Healthcare ETF (IXJ)
- S&P 500 ETF TRUST ETF (SPY)
- INVESCO QQQ Trust (QQQ)
- Vanguard Conservative ETF Portfolio (VCNS)
- Vanguard Balanced ETF Portfolio (VBAL)
- Vanguard Growth ETF Portfolio (VGRO)
- iShares Core Balanced ETF Portfolio (XBAL)
- iShares Core Growth ETF Portfolio (XGRO)
- iShares S&P 100 ETF (OEF)
- iShares Global Comm Services ETF (IXP)
- iShares Core MSCI Total International Stock ETF (IXUS)
- Vanguard Retirement Income ETF Portfolio (VRIF)
- iShares MSCI World ETF (URTH)
Q: I am looking to finally replace the following mutual funds held in a self admin RSP account, to equivalent ETFs.
FID269 - Fid Monthly Inc;
FID5973 - Fid Global Innovation;
FID207 - Fid Global Concentrated Equity;
RBC460 - Sel Bal Ptf
TDB2760 - Td Retirement Balance
TDB652 - Td Global Entertainment & communication
TDB976 - Td Health Science
TDB2580 Td Tactical Monthly Inc
My goal is to replace these mutual funds with long term, high yielding where possible, low MER, CDN or US $ equivalent ETFs. Please provide 2 or 3 suggestions for each. Please deduct as many credit s as need.
Thank you for all the invaluable investment help you provide.
FID269 - Fid Monthly Inc;
FID5973 - Fid Global Innovation;
FID207 - Fid Global Concentrated Equity;
RBC460 - Sel Bal Ptf
TDB2760 - Td Retirement Balance
TDB652 - Td Global Entertainment & communication
TDB976 - Td Health Science
TDB2580 Td Tactical Monthly Inc
My goal is to replace these mutual funds with long term, high yielding where possible, low MER, CDN or US $ equivalent ETFs. Please provide 2 or 3 suggestions for each. Please deduct as many credit s as need.
Thank you for all the invaluable investment help you provide.
- iShares MSCI World Index ETF (XWD)
- Vanguard FTSE Canada All Cap Index ETF (VCN)
- Vanguard S&P 500 Index ETF (CAD-hedged) (VSP)
Q: Looking to park cash in a CAD ETF, inside spouse RRSP, until balance gets up to a reasonable enough figure to start buying individual stocks. Recommendations?
- BMO S&P 500 Index ETF (ZSP)
- iShares MSCI World Index ETF (XWD)
- iShares NASDAQ 100 Index ETF (CAD-Hedged) (XQQ)
- iShares S&P/TSX 60 Index ETF (XIU)
Q: My 35 year old daughter would like to start investing 150$ a month in an ETF. She would like to set up an automatic monthly transfer to an institution , any suggestions? thanks, JEan
- iShares Core MSCI All Country World ex Canada Index ETF (XAW)
- BMO S&P 500 Index ETF (ZSP)
- iShares Core S&P 500 Index ETF (CAD-Hedged) (XSP)
- iShares MSCI World Index ETF (XWD)
- Vanguard FTSE Global All Cap ex Canada Index ETF (VXC)
- RBC Global All-Equity Portfolio Series A (RBF526)
Q: hi, What yours thoughts for those Fund for 2/3% portfolio?
is it to expensive?
thanks jean guy.
is it to expensive?
thanks jean guy.
- iShares Core MSCI All Country World ex Canada Index ETF (XAW)
- iShares MSCI World Index ETF (XWD)
- Vanguard All-Equity ETF Portfolio (VEQT)
- iShares Core Equity ETF Portfolio (XEQT)
Q: I have seen many articles in which advisors recommend all-in-one portfolios as core holdings. I understand the value of these portfolios given the rebalancing effect, when there is a mix of bonds and equities (e.g. VBAL, XBAL). However, I do not understand the benefit of the all-equity, all-in-one portfolio (e.g. VEQT, XEQT) compared to an all-world equity ETF (e.g. XAW, XWD). The all-equity, all-in-one portfolios are overweight Canada vis-a-vis global market capitalizations. It seems to me that the all-equity, all-in-one portfolios are "betting" that Canadian equities will outperform the rest of the world. Yet, most articles I read suggest the opposite, and recommend that Canadians invest increasingly internationally (in fact, I can not recall in the last few years any article suggesting Canadian outperformance).
It seems to me that the all world ETFs (XAW, XWD) are a better bet, but I am concerned that I am missing something given the popularity of the all-equity, all-in-one portfolios. What do you see as the advantage of the all equity, all-in-one portfolios over the all world all-equity ETFs? Why do major firms such as Vanguard and Blackrock have a Canadian overweight in their all-equity, all-in-one portfolios? For a long-term core equity-only holding, do you recommend the all-in-one portfolio (e.g. VEQT, XEQT) over the global equity ETFs (XAW, XWD)? Is there any other ETF you would recommend instead?
Many thanks for your excellent advice.
It seems to me that the all world ETFs (XAW, XWD) are a better bet, but I am concerned that I am missing something given the popularity of the all-equity, all-in-one portfolios. What do you see as the advantage of the all equity, all-in-one portfolios over the all world all-equity ETFs? Why do major firms such as Vanguard and Blackrock have a Canadian overweight in their all-equity, all-in-one portfolios? For a long-term core equity-only holding, do you recommend the all-in-one portfolio (e.g. VEQT, XEQT) over the global equity ETFs (XAW, XWD)? Is there any other ETF you would recommend instead?
Many thanks for your excellent advice.
- iShares MSCI World Index ETF (XWD)
- Vanguard FTSE Global All Cap ex Canada Index ETF (VXC)
- Vanguard All-Equity ETF Portfolio (VEQT)
Q: Recently, a number of firms have brought out All-in-One ETFs, such as VEQT. If an investor wishes to be 100% invested, and diversified globally, then this ETF offers the advantage of rebalancing to the ETF's geographic weightings. These All-in-One ETFs are overweight Canada given global market capitalizations.
In contrast, there are ETFs offering similar low fees which represent the market capitalization of all global equities, such as XWD or VXC (w/o Canada). These ETFs are effectively rebalancing to reflect the global market capitalizations.
For a long-term hold, which investment do you feel will do better? Is an investor better off choosing say VEQT, or VXC? These two ETFs have similar ETFs. Is there a better alternative which you would recommend?
Your insights are much appreciated and valued. Thank-you.
In contrast, there are ETFs offering similar low fees which represent the market capitalization of all global equities, such as XWD or VXC (w/o Canada). These ETFs are effectively rebalancing to reflect the global market capitalizations.
For a long-term hold, which investment do you feel will do better? Is an investor better off choosing say VEQT, or VXC? These two ETFs have similar ETFs. Is there a better alternative which you would recommend?
Your insights are much appreciated and valued. Thank-you.