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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: First off I just want to say thank you so much for your special report you issued last week. For a young investor like myself who has never been through events like we currently are experiencing your advice has been extremely valuable to help navigate these uncharted waters.

I have been sitting on some cash and would like to increase my technology (both Canada and the US) exposure as it is low right now. I am comfortable with moderate risk. I have a few questions on this subject so feel free to subtract as many credits as you see fit:
1) For Canadian tech companies, after reading your special report and the Q&A's, it seems you like CSU, KXS, DSG, and SHOP. Would you recommend buying these individual companies (or others?) or would XIT be a reasonable alternative with these 4 companies composing ~61%? Or is there another tech etf you would suggest?
2) For US tech companies (or any US company for that matter), with the Canadian dollar being low, would you recommend looking at specific US companies or a Canadian ETF that holds US tech companies? I am worried the exchange would eat into possible returns. Do you have any recommendations (e.g. I have seen you mention XQQ for an etf, SKYY highlighted in etfupdate, and companies like MSFT, GOOG, TEAM, etc)?

Thanks for all that you do.
Read Answer Asked by Justin on March 16, 2020
Q: Hi,
Multuiple questions here, please deduct the credits you think are appropriate.

1) Can you please explain when it makes sense to hold a hedged version of an ETF
2) If one holds a Canadian ETF with US holdings, how does taxation work? Does it change whether they are held in a cash acct, TFSA, or RRSP and how?
Read Answer Asked by S on March 13, 2020
Q: Hello, Please provide ETF's that replicates TSX, S&P, DOW & NASDAQ
are there Hedged and non-hedged versions for US stock Indices.
Thanks.
Read Answer Asked by Harpinder on March 10, 2020
Q: Once the current rout in the market bottoms, please suggest the best ETF's listed on the TSX to ride the market back up, purely for capital gains, covering both the TSX and the Dow. These would be short-term investments during the recovery mode.
Read Answer Asked by Paul W on February 28, 2020
Q: I am looking for an international equity ETF that has a portion (+/-25%) of its holdings in technology but a good balance of other areas? thanks, Jean
Read Answer Asked by Jean on February 19, 2020
Q: Hi guys, I own the following with the respective total portfolio weightings. My TFSA is all CDN and RRSP is a mix of USD/CDN. When I rebalance, should I try and rebalance with respect to % of TFSA and % of RRSP or rebalance each holding as a percent of overall portfolio? If the latter, I would consolidate some of the holdings in my TFSA to bump up the individual weightings. Are there any obvious adjustments that I should make? I’m heavy on AAPL but have sold so much of it over the years I’m very tempted to let the remaining shares ride.
Please deduct as many credits as you see fit and many thanks for the excellent service you provide. The Q/A is invaluable as are the periodic market summaries. You’ve pulled me away from the panic button many, many times.
RESP:
VFV 1.30%
RRSP:
GOOG 4.78%
AYX 3.77%
AAPL 11.77%
BNS 5.26%
ENB 5.50%
GH 3.69%
XQQ 6.23%
JPM 4.80%
GUD 1.63%
NVDA 5.91%
DIS 3.25%
VXC 24.23%
TFSA:
ATD.B 1.96%
CAE 1.30%
WEED 0.48%
CSU 2.73%
GSY 1.94%
GC 1.59%
KXS 1.42%
LSPD 1.80%
MX 0.67%
PHO 1.14%
SHOP 2.69%
Read Answer Asked by Mark on February 19, 2020
Q: Hello Peter and colleagues
I am trying to develop a simple but effective portfolio. What would be your opinion and recommended percentages on a simple portfolio including these ETFs: XIC, VFV, VXUS
Would you recommend adding more ETFs while keeping it simple? and if so, what would be the percentage of each. Do you recommend replacing VFV with VTI? and why?
Please deduct as many points as needed.
Thanks
Read Answer Asked by Hassan on December 06, 2019
Q: Greetings,
Currently my tech exposure is coming from XQQ. Analytics is suggesting adding another 2.5%. Should I add more XQQ? Or what do you think of SOXX or RYT? Thanks
Read Answer Asked by Daryl on December 02, 2019
Q: My grandson is 21, he has just opened a TD trading account. He will have $12000 to invest now . And he expects to contribute about Seven to two thousand this year. Can you recommend two or three investments to start with. Thank you . Chuck
Read Answer Asked by charles on November 11, 2019
Q: Hello,

The family RESP is composed of 15% VGG and 15% XQQ with the balance spread roughly evenly over the remaining stocks listed above. I would appreciate your suggestion for an additional position. The oldest child is 8 years away from post secondary.

Thank-you.
Read Answer Asked by Stephen on October 22, 2019
Q: Greetings,
I currently own ZWH, XQQ, and VUN as part of my US focus in my portfolio. I am looking to add another name or two. Time frame 5+ years. I prefer to remain with Canadian ETFs investing in the US. First of all, do you see too much overlap here? I have room to add to all 3. Can you provide 3 stable dividend ETFs you might suggest to add and a couple of growth ETFs that might complement my current holdings? Thanks in advance. KEN
Read Answer Asked by KEN on August 28, 2019
Q: Hi,
I'm currently in my late 30's and have some funds in a LIRA from a previous company pension. They were invested in some funds with Sunlife before but now just sitting in cash waiting to be in invested. I'm looking for long term capital appreciation as I won't be able to take these funds out until retirement. Looking to increase my US and Intl exposure, which ETFs would be best? Currently own VGG, VUS, XEF and VEE. Should I increase these weights to my desired % or add any others? Looking for low MER core positions. Also should I approach investing in my RSP and LIRA in different ways or would you view them as the same? For example, would you buy stock A in your LIRA instead of RSP or vise versa.

Thanks!
Read Answer Asked by Keith on August 23, 2019
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