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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: For the moment, I'm satisfied with each of the CDN and US holdings in my portfolio. But I have nothing that is non-North American. So I'm planning to invest about $50,000 which would be 10% of my current portfolio. I haven't tracked international equities very much and am looking for recommendations. What do you think about purchasing individual stocks ... intending LT (5+ year) hold? Could you suggest 4 or 5 stocks I might look at? Asia? Europe? etc. Finally, if you're not keen on investing in individual stocks, can you recommend a few international ETFs for me to research? Thanks very much. (5i is an awesome resource for me).
Read Answer Asked by RANDALL on November 15, 2019
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
Read Answer Asked by Cecil on November 14, 2019
Q: Hello 5i team,

My 33 year old son is looking at rebalancing. He has a defined benefit pension. He would like to use VTI and VXUS for non cad exposure. What percentage would you propose for cad, Vti and Vxus? And is there any ETFs that trade in canada that you would consider replacements of those two?

Thanks for all you do!

Wes
Read Answer Asked by Wes on November 05, 2019
Q: I'm holding about 21% cash right now and would like to invest most of it in foreign equities to diversify from my mostly Canadian portfolio. Do you have any specific ideas of what I may include, ETFs or stocks? I'm wide open for suggestions. My main objective is capital appreciation but I'm aware that good dividend payers most often do better than non-dividend payers.
Read Answer Asked by Fred on October 16, 2019
Q: My portfolio review tells me that I need to add 20% to the international portion of my current holdings. At the moment, I hold only ZDM. Should I add to that or do you have another recomendation? I also need an Emerging Market ETF recomendation for diversification.
Read Answer Asked by Michael on October 07, 2019
Q: I have most sectors covered thanks to your Portfolio Analytics. Thanks so much. However I have a very large and growing allocation in Vanguard Dividend Appreciate (VIG:US). My international investments (non-US) are small and need a boost. What would you suggest I do to diversify internationally using ETFs?
Read Answer Asked by John on August 09, 2019
Q: these 4 holdings are held in equal weight in a RRSP account and have some US cash and wonder what you think the best ETF would be to complement what is currently owned?
Thanks
Read Answer Asked on July 15, 2019
Q: Hi Peter, Ryan and team,
I have $45K in Canadian locked in fund. I can't withdraw for at least 20 years. I am looking to grow my fund by mainly investing in ETF and some growth stocks. Can you please suggest diversify list of ETF ( Canadian, US and International)and stocks with sugested percentage for such a time horizon. I don't mind short term market functions.
Thanks,
Read Answer Asked by Yousef on June 11, 2019
Q: Good day 5i and happy Easter to all.my current allocation to global equity is 25%of which 7% is mpcf and 18% xdg..I am retired with a divided and growth profile.do you like mpcf as a so called way to have an alternative weight to portfolio or as I am considering dropping it in favour of more yield and add to xdg? And also do you think xdg offers good value at 21$ or would you wait for a pull back? Your input geatly appreciated.tks Larry
Read Answer Asked by Larry on April 23, 2019
Q: Trying to get a bit more geographic diversification in a TFSA account that is, at present, all Canadian equities. Would you suggest something like HXS for US diversification with the swap arrangement to limit tax implications? Or would something like VGRO make more sense with greater geographic diversification and a little fixed income?

Thanks for the great service,

Doug
Read Answer Asked by Doug on February 13, 2019
Q: Hi,
I want to increase my US and International equity exposure by using $US ETFs (VIG and VXUS respectively) but the Canadian dollar is pretty weak right now (improving slightly lately). Does it make sense to convert to $US for this investment (long-term horizon) when there could well be significant headwinds if the Canadian dollar continues to strengthen. Also, valuations are higher in the US than in Canada, but International looks to be relatively cheap. Thoughts on how to proceed?
Regards, Michael
Read Answer Asked by Michael on February 05, 2019
Q: Hi Peter, Ryan & Team
In addition to my current 5i Balanced portfolio I want to build an additional RRSP ETF portfolio.Time horizon 3-5 Years and my risk level is moderate.
I am thinking to invest in the following ETF. Appreciate you advise on the distribution, concentration and risk level.
XMD 30%
VUN 20%
XIU 10%
VEE 10%
VXUS 10%
IXC 10%
IWO 10%

Thanks,
Read Answer Asked by Yousef on January 29, 2019
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