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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: The tax gross-up effect of my Canadian dividend paying stocks is creating an OAS clawback concern in my non-registered account. Looking for tax-efficient US and International ETF’s. I don’t want ex-Canada ones because I want to have the flexibility to adjust weightings between these two.

Would HXS be a good option for US? The MER isn’t the best but maybe okay. I don’t know for the International. Thoughts?
Read Answer Asked by James on July 25, 2024
Q: My niece is looking to enter the DIY investing world and move her TFSA over to an online self-directed account. Her advisor has her in these high fee accounts above. These look like funds for a retired person looking for income rather than for a 29 year looking to grow a TFSA with the goal to hopefully get a down payment for a condo some day. Could you please give some advice for a beginner investor, ETF's some Canadian and US equities to get her started. She's a bit nervous as all ne DIY investors are. Thank you
Read Answer Asked by Nancy on June 25, 2024
Q: If using your balanced portfolio as my canadian content for an equity portfolio could you please recommend some equity etfs for ex canadian content and what % would be canadian of the total portfolio? I was thinking 40% and 60% outside canada

Thx
Read Answer Asked by blake on June 06, 2024
Q: a sunlife life insurance policy was purchased for grandchildren as an investment for them on the advice of a financial planner- I am embarrassed to say so far $9000 in annual premiums has been paid, with 11 more remaining before the policy is paid in full. If I cancel this policy it will be a loss. However; the dollars which would have gone to sunlife could be used for a better investment. Your suggestions would be welcomed. Thank you- (P.S.- I submitted this ? a moment ago-but my screen went black so I don't no if the ? was sent the first time)
Read Answer Asked by jane on May 29, 2024
Q: You recently recommended US/CA equities at 65%/35%. With US ETFs and CDRs I am only at 20% US. I am considering significantly increasing my holdings of HXS, VFV, and HXQ to make up the shortfall of 45% US. Do you see any downside to this approach?
Read Answer Asked by Dennis on February 13, 2024
Q: There are a number of Canadian based NASDAQ100 and S&P500 ETF's. Which NASDAQ100 and S&P500 ETF would you prefer, or would be "best", for a TFSA account, and why? Would investing within an RRSP or in a non-registered account alter your selections and if so, why would that be? Thanks.
Read Answer Asked by Bruce on February 09, 2024
Q: Regarding your very quick response to my question yesterday where you stated "Capital gains are treated the same as Canadian gains, but must be converted to C$ for tax purposes." ZSP is a Canadian listed equity in Canadian dollars so I assume that I will not need to make any conversion when taking a capital gain? If I alternatively buy HXS (or HXQ) will capital gains be treated as Canadian only?
Thank you.
Read Answer Asked by Dennis on October 17, 2023
Q: For tax efficiency in a non registered account do you recommend HXS and HXQ over ZSP and ZNQ. For US dollars do you like HXS.U and HXQ.U.
For a long term hold what are your thought of HXT in this account?
Thanks
Read Answer Asked by Anna on September 13, 2023
Q: Hi 5i Team - Could you provide a couple (or more) ETF's related to the NASDAQ, with a long term horizon in mind. In particular are there any that reinvest their dividends rather than distribute them to their investors. Also what are the tax implications of reinvesting rather than distributing. Is there an ETF that covers all the listings on the the NASDAQ itself. Thanks.
Read Answer Asked by Rob on July 06, 2022
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