Investment Q&A

Q: Hi Guys,

My son is opening his first RRSP and is looking for a basket of ETF's with a bit of a longer term horizon. What would you recommend?

Thanks,

Q: How would you suggest a 70+ participate in this market,if at all?

Q: Can you recommend a diversified etf with a high dividend that targets canadian market. Looking for sectors that are not to voltile.
T Steve

Q: Could you suggest a few dividend focused ETFs for a taxable account to 'park' money that will not be needed for a few years ? I purchased UTIL because I liked its holdings but am concerned about its trading volume. I already own XEI and ZDV.

Q: Hi
I am considering the smith manoeuvre and would prefer to invest in an etf rather than individual stocks because of the benefits of diversification. I would appreciate if you can share your thoughts on a few ets that would qualify and would also be less of a hassle in reconciling the ROC and ACB during tax time. I would appreciate your insight in smith manoeuvre using and etf rather that dividend paying stocks. I am in the 50% marginal tax rate. Thanks

Q: I'm looking to increase the dividends in my portfolio and wonder if there is an ETF that you would recommend for dividends?

thanks as always,
Paula

Q: Hello,

Please recommend some total market ETFs for the Canadian market, the American Market, for growth, for income, and/or the best overall in your opinion.

Thanks,

Mark

Q: I am 80 and I have 85 k in my TFSA . Iam looking to invest in Fix income . What would you suggest ?

Q: For a ultra conservative retired income based investor can you please give us your 10 best portfolio building blocks starting a new portfolio?...many thanks...

Q: How would you invest 40K USD (which stocks and/or ETF's) in a balanced way, to limit downside risk, but maximize capital appreciation over the next 1-3 years. What timing would you use to make this investment. Thanks

Q: I am currently managing my TFSA/RRSP funds and some money outside of registered accounts, which are largely individual stocks. With the market volatility, potential recession and war in Ukraine, I am finding it more difficult to keep on top of the individual stocks and am therefore considering going to ETF's. I am a year away from retirement but would be ok with more risk in the TFSA/RRSP's.
Could you please suggest 5 ETF's for the registered accounts and 5 ETF's for the non-registered accounts.
Thank you,
Jacquie

Q: Dear 5i
The above noted ETFs are the ones i commonly use in my RRSP , TFSA and non registered accts .
CDZ and ZLB are used for CDN content and the rest for US content.
I believe there is probably some redundancy in these and was wondering which ETFs could be left out .
Which ETFs would you use for RRSPs , which for the TFSAs and which for the non-registered acct .?
Thanks
Bill C

Q: What ETFs/mutual funds ( not limited to Canadian equities ) would you recommend for a young couple (in their early 30s) for their TFSA. It will be for a long term hold. If more than 1 ETF is advised, what percentage in each ETF. Thank you

Q: is there an etf that closely mimics the income portfolio? or do you suggest an etf for a income, thanks, Jean

Q: Good morning,

Truly enjoy reading your reports and answers to queries asked by members!

In your response to Chris, on April 8th, you outline a starting strategy for a young 16 year old investor.

You state: "we might start out with a broad market ETF that pays a dividend"

Would you be comfortable listing a few broad market ETF that fit this criteria taking into account a 10 year lock up of the funds?

Perhaps suggesting a few for high, moderate and low risk tiers.

Have a great weekend!

Art

Q: I’m looking for a low cost (preferably)ETF that focuses on CDN Dividend growers as opposed to high yield,my thinking is if they have extra cash to grow the dividend their EPS must be growing which would hopefully lead to a higher share price,would I be right in assuming this and preferably an ETF with decent volume ……Thanks

Q: I have a relatively small RESP portfolio that will have to change to an RRIF. I would like the RRIF to be able to generate enough dividends to cover the required withdrawals. If that is possible. Can you tell me your top ten highest dividend-paying Canadian companies or maybe even better ETFs or a combination that you would be comfortable owning?

Thank you.
David

Q: Retired, dividend-income investor.

I just flushed a legacy mutual fund that was planned to be merged into a different MF. I didn't like the new MF asset allocation. I plan to top up some of my existing ETFs and stock holdings to my maximum comfort level re: asset allocation, then (if needed) add an additional ETF to complement the portfolio.

Q#1 = I own CDZ and ZLB. For a conservative, long term, core ETF what guideline would you use for maximum asset allocation? I currently am at 7-8% each for the equity portion of my portfolio.. Is it reasonable to stretch this to 10% each? When I look at the top 10 holdings in CDZ and ZLB, there is no overlap at all.

Q#2 = I also own LIFE and ZWC, both covered call ETFs...total exposure is 11% of my equities. What maximum exposure to CC would you recommed? I seem to recall a question a while back that you suggested 10 or 15% was reasonable.

Q#3 = depending on your above answers, I may need an additional ETF with the following attributes for a long term holding = conservative, dividend >3%, Canadian holdings (ok to have some foreign). holdings should hit as many of the 11 sectors as possible and if possible, little overlap with the top 10 contained in CDZ or ZLB.

Thanks for your help...much appreciated...Steve

Q: 65 yr old retiring this year. I hold the following: XAW (35%), XBB (20%), XIC (12%), CDZ (7%), ZSP (7%), VTI (7%), ZIC, VTI and ENB at 5% each.
In view of the current conditions, would you increase the fixed asset portion and reduce equity? Which ones would you add to and which ones would you reduce/remove?

Q: Hi. I hold a considerable amount in CDZ and none of VCN. My thinking is that through CDZ I have large Canadian companies that raise their dividend but VCN may offer more diversity at the expense of income. I do like the dividends and concentration of CDZ. Would you stay with CDZ or shift some funds to VCN?