Investment Q&A

Q: I hold the above equities. I have additional funds to allocate. Your suggestions please. Take this opportunity to thank Peter for a great job, very reliable.
I would not want to add to my positions in ECN.PR.A , ENB, PNG ,& LSPD because of weighting’s and/or risk.

Q: Greetings,

I just sold some mutual funds(finally) in my wife's RRSP account. We are fairly diversified at individual level, majority of our holdings are from your Balanced and some from growth and income portfolios. All our funds are in Canadian and would like to diversify.

Please advise, if this is right time to diversify in to US/World markets. if it is a right time, can you suggest few EFT's for 5+ year hold.

Q: The vanguard ETFs make up 13% of my portfolio. In the tech space I own PNG & LSPD.
A little bit overweight in both due to increase in value . If I were to buy another tech stock which would you suggest. My portfolio contains mostly dividend stocks with some Growth. My biggest risk would be if interest rates were to rise.

Q: Peter
I am not to familiar with ETF'S
I just bought a little of CDZ last week i am looking for another one to hold for atleast 3 to 5 years in my TFSA . There are so many around, would you say i will be safe with an utility one or what will you suggest. If you can give me one in the TSX i would prefer it. Thanks

Q: I have very little US exposure and have US$40,000 in my RRSP that I am looking to invest. I have looked at questions and profiles on VIG, VIGI, VYM, VTI and DGRO but I am unsure which of these or others ETFs would be best and am looking for some direction. What low cost, large US $ ETF or ETFs would make the most sense with the goal of maximizing US$ dividend income. This will be a long term holding.
Thank you

Q: RE: -- Stephen's 2020-01-22 question on VGG & IWO --

Comparing VGG vs IWO over last ~ 7 years (details below), VGG has less risk/volatility (beta), a higher dividend, and a better return (based on risk for the ETF category). As I slowly adjust my portfolio this year to reduce downside risk when a market correction eventually hits, what do you think of moving some or all IWO to VGG. Most interested in your thoughts here.

As always, thanking for you wise advise.

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Ticker IWO VGG
MER 0.24% 0.30%
Dividend 0.70% 1.20%
Beta (Risk) 1.12 0.74
Style Small Cap Growth Large Cap Blend
P/E 25 26
Mkt Cap $9.8B $625M
Risk vs Category Average Risk Average Risk
Return vs Category Average Return Above Average
Morningstar Rating *** ****
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Q: Have vgg as a us position. Should i add to it or consider another us etf? As always thanks for your amazing service.
T Steve

Q: I hold vgg in in TFSA and RRIF accounts , 5 % of my total portfolio. VIG in non registered US account 5% of total portfolio. I’m gradually moving from individual stocks to ETFs to reduce the time required to monitor my investments. Getting up in years .As an aside I’m an experienced investor, previously worked in the investment business. Right now I’m looking at reducing my position in vet and investing in vfv or convert C$ to US$ and buy VOO.
Your thoughts Peter on this or should I look elsewhere?

Q: Do you have any recommendations for ETF"s for an RRSP

Q: I am trying to determine how material the withholding tax difference is if I hold vgg in my rrsp vs vig.

At first glance, the yield on vgg is 1.229% and on vig is 1.764%, according to the 5i website. However, according to the Vanguard website the vgg "MER" is 0.30% and the vig "Expense Ratio" is 0.06% (quite a difference in fees if indeed this is an apple to apples comparison). So if I compare before expense yields I get that the cdn vgg yields 0.295% less (1.764 + .06 - 1.229 - .30) or , as a proportion the cdn before expense yield is 84% of the us before expense yield (1.529/1.824). So the w/h tax costs me 16% of the yield -- does this analysis seem correct? Thanks. Also, why would there be such a large difference in fees between vgg and vig?

Q: Hi gang, I own this funds. TML735 & AIM24823. Both have not done well for me . I would like to switch to another family fund or should I just cash out and buy an ETF . Your thought please. Thanks

Q: For eft’s. v f v and v g g , what are the advantages/disadvantages of holding in a
r r s p , t f s a , or a non registered account?

Thank you for your help,
Michael

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

Q: Hello Crew
I am nearly retired and I like a total growth approach (dividends plus capital appreciation). During a down market however I don't wish to sell my capital appreciation funds for living expenses. Therefore, my question is what ETF's can I pair -dividends vs capital appreciation that that might serve that end. Examples ZLB/ZDV, XMI/VIGI/ZWE, VGG/XMU/ZWH..your suggestions are appreciated
regards gary

Q: What ETF is best for unhedged global dividends I am currently looking at HAZ. I want to invest here, but not sure if it is my best option. Suggestion please.

Q: Hi

Is CWW a good pick for my TFSA for 2020 or any other suggestions.
Presently have LSPD, FIVG, XEF, XEI and ZWE. in TSFA.
I am 64 and want to sleep at night
Thanks
Mike

Q: Have $20,000.00 sitting in a LIRA account. Please recommend 3-4 ETFs that I can hold for the next twenty years. and drip (no bonds) would like to double every 10 years. Would Dividend Growth ETFs a good choice over that time frame or just growth stock ETFs?
Thanks Cec

Q: Hello 5i,
I have just opened up a Family RESP (currently ages (-0) and 1.5 yrs) and have been going through the RESP questions as well other questions. I would like to contribute $2,500 this year for existing grandchild and $5,000 next year when #2 comes along.
I think you would agree that at this point it is probably best to start with an ETF? So, given that, could you please give me a couple of your top recommendations for this point in time/cycle/interest rate environment, etc.. Should you feel that some individual equities might work better solo or in combo, any suggestions would be welcome. Based on what I have read, I was leaning towards VGRO, but am not sure that would be your top recommendation, so a couple of ETF and/or equitiy suggestions would be much appreciated!!
Best to all - and, as always, Many Thanks!!!
Cheers,
Mike

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.

Q: Hi,

What US ETF's do you think would be a good way to play the US market for the next 2-3 years. I really for longer than that but I think there's going to be a lot volatility in the next couple years. I'm underrepresented in cyclicals, consumer discretionary, banks, energy and big Pharma, but not technology. I own QQQ.