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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: I have CAD to invest in Canadian-dollar denominated ETFs: (1) Canadian stocks - VGG. XIU XIC XDIV; (2) US ETFs in CAD FX - HXS ZUQ ZMID and ZBK and (3) - EU ETF - HXX. How to go about assessing one against the other. Is there a better ETF in each group you would prefer? Would appreciate guidance on which ones are keepers for long-term hold? How would you evaluate them?
Read Answer Asked by sam on February 14, 2025
Q: I am a retired senior in his mid 70s and looking for monthly dividend income. I am looking for your opinion on this particular ETF to see if it would fit the bill. The etf I am looking for would have to be low to med risk and carry a descent monthly dividend, and have low fees. One of my concerns with this etf is diversification as it appears to only hold 20 stocks. Your opinion on this etf or any other one that would fit the bill would be appreciated. Thank you.
Read Answer Asked by Jacques on January 08, 2025
Q: Hello 51 and Happy New Year! I would like your opinion regarding the following ETFS : VDY, XDIV and HDIV. Considering MERs for each and total return on investment which one in your opinion is a better buy?

Thank you in advance for your response.
Read Answer Asked by Yves on January 07, 2025
Q: If I had all of these funds would there be too much overlap? What is your favourite one out of the group?
Read Answer Asked by David C. on December 03, 2024
Q: Do you have any concerns with someone holding these ETF’s for a 3 to 5 year time period?
Read Answer Asked by David Michael on November 25, 2024
Q: Question:
When analyzing Total return performance of VDY, RCD, XDIV over the long term. What % is due to price appreciation and what % is due to dividends?
These are ETF's focused on Canadian Dividend Income.

Previous Answer for XIU:

Over the last ten years, XIU’s total return CAGR is around 8.9%, with price appreciation and dividends accounting for 5.8% and 3.1%, respectively.

Over the last five years, XIU’s total return CAGR is around 11.7%, with price appreciation and dividends accounting for 8.3% and 3.4%, respectively.
Read Answer Asked by Ian on November 01, 2024
Q: Good evening 5i,

I have held ZLB for some time and while happy with the holding as part of my portfolio, I am considering a switch to HDIV. It would continue to be a long term hold.

Based on past perfromance, I don't see that the ZLB provides that much less volatility protection over HDIV to justify the higher fees and lower yield.

I would certainly appreicate your thoughts.

Thanks
Read Answer Asked by ANDREW on October 17, 2024
Q: I currently own ZEB, ZUT AND ZDV for income. I'm considering to add one of either XEI or XDIV or sell my holdings and consolidate into one of either XEI or XDIV. Please advise whether adding or consolidating is better and which of XEI and XDIV is the better one. Please take as many credits as required.

Thanks 5i !! Ken
Read Answer Asked by Kenneth on October 07, 2024
Q: Good morning team, I’m contributing to a non registered account for the first time as I’m maxed out in my tfsa and rrsp. My goal is to invest in dividend paying etfs and select dividend stocks while trying to take advantage of the dividend tax credit. I’m looking for yields north of 4%. XDIV looks good to me so far. How would HDIV and HYLD be taxed? Thoughts and suggestions? Thanks
Read Answer Asked by Seamus on August 02, 2024
Q: Can you pls recommend 3 Cdn ETFs that focus on high dividend stocks, with an estimated 10% yield including both dividend and capital appreciation for over the next 1 year?
Read Answer Asked by Ron on July 16, 2024
Q: Hi 5i, I have the following stocks (NVDA CSU LMN HPS.A BN XDIV RY CNQ JPM BRK.B VDY ENB) equally distributed in my rrsp, these stocks are generating 75% of my dividend-income goal. What changes would you suggest to get the last 25% , I do not mind selling my gold-stocks (the first 3) , but I would prefer to keep them. Hope it makes sense. Thank you 5i.
Read Answer Asked by Fernando on June 18, 2024
Q: long time holder of XDV (15 yrs). I see XDIV has outperformed by far since its inception with similar yield and lower MER. For what is worth XDIV has a 5 star Morningstar rating vs 2 stars for XDV. Thinking of switching my XDV for XDIV. Your opinion please.
Read Answer Asked by MANFRED on May 21, 2024
Q: I am thinking about moving some of my portfolio to ETF's, and when I looked at CDZ holdings, I was surprised to see FSZ as their top holding - a stock you have recently seen as a sell. Do you have any suggestions for a Canadian ETF that is more about great companies with a growing Dividend and not so heavy in Financials and Telcos? Thank You!
Read Answer Asked by Pat on March 19, 2024
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