I think the *_GREAT 8,_* is a great way for someone starting out in investing. I think the *_GREAT 8,_* is a great way for anyone who wants consistent monthly dividends.
Thanks Adrian ! I believe the more you mention management fee on income ETFs the lower the MER will be !!! Your contribution on MER war across funds really benefiting us. Thank you again and keep up the great work !!! 🎉❤
Excellent video as always! Would be great to have a video where you cover Canadian only ETFs where we can benefit from the Canadian Dividend Tax credit.
Thanks Adrian. I'm starting to make some changes to my portfolio. I'd like to add a few of these. I have become emotionally attached to my ZWC. I'm going to sell half and put into new positions. I also have 5 of the great 8. Doing well.
Thanks for this podcast. Please do the non leveraged version. Thanks again for your answer concerning the Income tax as a Canadian citizen but Panama resident. Also, I have been watching many of your podcasts and I notice that Ishare ETFs were rarely mentioned, if possible, can you provide the reason why.
Thanks Adrian! This feels like another portfolio unveiled video. Definitely a list for a worry free core position to live off ETFs. Hope you got coffee mug in your store. Can't always wear the t-shirt in the office. 😁
I would be most grateful if you could do the same video for the USA ETF. Also, as a diversification, is it an idea to divide the portfolio into equity, gold bonds etc?
Honest question here. Before retirement, what is the goal to have these kind of dividends ETF ? They seems to have a lower total return than the S&P500 or Nasdaq for example. If I don’t need Monthly income from my investments, why should I have income ETF in my portfolio? Thanks in advance!
All of the PII stocks can be considered a hold forever depending on ones av cost, for example my DFN at 28% for me is a hold forever because swapping it doesn't make sense, though buying more at below my av cost makes more sense as I'm a PII for life. I own HYLD and GDV and the rest of great 8 in my watchlist.
One of your best videos Adrian 👌 . When people ask "what should I buy?"', i would recommend you tell them to watch this video 📹 . Very helpful and informative 👍
I guess that is a good start, but people should first consider what their circumstances are and determine what they are trying to accomplish with their investments. Yes, making their money grow is everybody's nobble outcome but there is more to it than that. For example, if they are working earning $100,000 per year and living comfortably, do they really need to own income funds that attract additional income tax for the government to pocket? And do they really need to produce income in an RRSP? They won't spend the income until they retire. And so, the income would have to be DRIPed in order to continue to grow. That being the case, they just simulated a growth strategy. So why own an income fund? Is it because they are lured by the high yield, confusing it with total return? If so, they are making decisions with a faulty assumption.
Would love to see a video that looks at these funds performance/total returns correlations to each other. I’m looking to add an income oriented fund to my RRSP with a long time horizon, but I’m wondering if I should just pick one rather than broadening out to a bunch of funds…I’m assuming they all move together?
I think the great 8 is great for anyone who needs the income for semi retired or retired income im about 5 to 10 years from retirement so for now I'm still focused on growth and for me is HXS which is beatings QQQ and VOO 😮
I've tried investing in various things that didn't work out as I hoped. Now, I'm looking at ETFs as a more reliable option. What are the best 5 ETFs for a beginner looking to invest a lump sum?
Being a snowbird, I'm in US most of the time and would prefer to invest in high income ETFs/funds that pay USD instead of exchanging my CAD to USD. I have HYLD.U in non-reg and TFSA. Any other high income ETFs you would recommend I buy and hold forever that will pay me USD? thx.
HYLD-U is probably all you really need. What more do you want than owning about 500 of the largest U.S. companies? If that one goes down, everything else is going down with it. However, if you want to add some diversification on the bond side, try HPYT-U from Harvest. Its yield is 16.57%; 100% covered calls; no leverage; Low-to-Medium risk. But as interest rates decline, expect the yield to drop closer to its target of 15%
HBIE is only 6 months old and has only $4m AUM. I would like to see that get above $10m before putting any money into it. There are so many ETF these days, small ones that don't grow are at risk of getting wound up.
A question for the purpose of learning please, does the fund charges by management fee or MER because QQCL MER is 2.33% compared to 0.85% of QQCC. If by MER then isn’t the fees for the QQCL is too high for the 2-3% higher yield than QQCC?
Please note - Leverage costs $ - it’s not free - so you must factor / expect interest costs $ for funding the leverage - this is the main reason IMO for higher cost!!!
@@terryfrancis9198Thanks, I understand that there is an extra cost for leverage but in this case it looks too high compared to other leveraged covered call ETFs. 1.48% extra MER for a 2-3% more yield. Hence was trying to understand this.
Don't forget it is leveraged so the fund has to pass on the interest charges to you through the MER. At the end, it is the Total Return that is relevant not the fees you pay. The higher fees may be a reflection of the extra expenses they incur to produce higher returns
No, I invest for total return. Pty had been a great holding for me. No nav erosion, 9% annual distribution, principal stable. I can sleep at night with pty, I know it will be there. I don't have to monitor the holding to make sure that I leave enough in it to prevent erosion. I've held it throughout the 2020 crash and bought more while I was in it. I won't sell it. I have a 20 year holding scenario. I need to have this much faith in a holding to consider it worthy. This is a foundational holding. Worth holding every moment.
those tickers may not me the same funds Different stock exchanges can use the same tickers as other stock exchanges. Make sure that the suffix of the ticker (or something else) indicates that the ticker is from Canada or Toronto like a ".TO" suffix
No, the fund itself pays the withholding tax. So for tax efficiency, you can buy it in your non-registered account so that at the end of the year, you get a T3 slip showing the amount of tax HYLD paid. That amount is refunded back to you through the foreign tax credit on you tax return. Your tax program does that for you automatically.
QQQY would be considered more sector specific as it only holds the tech companies of the NASDAQ 100 (I think it’s like 41 or 42 companies out of the 100). Higher yield than QQCL, but more volatile.
There is no reason to not hold these funds for the long term. They are doing what they are supposed to do; produce high and stable income and grow. What's not to like?
Im looking for some Passive Income Investing mutande merch🤣🤪.. just joking paisano. Serisouly, I've been in growth growth growth for a while now and looking to take a third of the portfolio into income. This video was very helpful: QQCL, HLYD, HDIV and some BANK.
HYLD & HDIV are my two favorites / biggest & best positions
BMAX has done really well for me, this year. I am up 18% just in the price, plus dividend.
I think the *_GREAT 8,_* is a great way for someone starting out in investing.
I think the *_GREAT 8,_* is a great way for anyone who wants consistent monthly dividends.
Thanks for focusing on the great 8. Love to see non-leveraged plus US ones.
Being a Canadian non resident, appreciate you think and support Canadian which is you and your youtube foundation ❤❤❤🎉
Thanks Adrian ! I believe the more you mention management fee on income ETFs the lower the MER will be !!! Your contribution on MER war across funds really benefiting us.
Thank you again and keep up the great work !!! 🎉❤
Stellar video, G. Easily one of your best.
Excellent video as always! Would be great to have a video where you cover Canadian only ETFs where we can benefit from the Canadian Dividend Tax credit.
Yes appreciate you focus us Canadian that is your basic audience ❤❤❤
Thanks Adriano. Yes please do a similar video on non-leveraged funds.
Canoe EIT is literally buy and hold forever just buy this single one set and forget forever
Thanks Adrian. I'm starting to make some changes to my portfolio. I'd like to add a few of these. I have become emotionally attached to my ZWC. I'm going to sell half and put into new positions. I also have 5 of the great 8. Doing well.
Thanks for this podcast. Please do the non leveraged version. Thanks again for your answer concerning the Income tax as a Canadian citizen but Panama resident. Also, I have been watching many of your podcasts and I notice that Ishare ETFs were rarely mentioned, if possible, can you provide the reason why.
Thank you foe the presentation. Subbed.
Good video. Great starting point.
Thanks Adrian! This feels like another portfolio unveiled video. Definitely a list for a worry free core position to live off ETFs. Hope you got coffee mug in your store. Can't always wear the t-shirt in the office. 😁
This video belongs in the,,Adriano great 8 videos,, well done 👍
...someone has been watching Quentin Tarantino films. The GREAT 8 is a pretty good title and info. How about a sequel in next 6 mths.
Thanks. What percentage of the portfolio do you think should be held in the core funds?
I would be most grateful if you could do the same video for the USA ETF. Also, as a diversification, is it an idea to divide the portfolio into equity, gold bonds etc?
Good one Adriano! Very clear & informative. Also ....The swag is a great idea.....more Passive income coming you way!! Good for you! 😁🙏
This is amazing info !! Good for newbies or people just starting as well! Thank you for doing this, Adriano!
Love BMAX, have it as my core holdings for income and return!
Thank you for a most informative presentation. A presentation on your favorite US ETFs would be appreciated.
Great video Adriano, clean and clear! Appreciate your hard work & sharing your insights. 👍
My favorite ones HYLD - EQCL - BMAX
Honest question here. Before retirement, what is the goal to have these kind of dividends ETF ? They seems to have a lower total return than the S&P500 or Nasdaq for example.
If I don’t need Monthly income from my investments, why should I have income ETF in my portfolio?
Thanks in advance!
Cashflow today without selling shares, growth will give you cashflow into the future, best for long time horizon
All of the PII stocks can be considered a hold forever depending on ones av cost, for example my DFN at 28% for me is a hold forever because swapping it doesn't make sense, though buying more at below my av cost makes more sense as I'm a PII for life. I own HYLD and GDV and the rest of great 8 in my watchlist.
I want the hat and shirt !!!!! Can I place the first order?
Buy them with your dividends!😊
Allo Adrain. Bonjour. Could you please do the non leveraged version. Good show.
Another great video. Keeping it simple with these all in one income leveraged ETFs.
Great video. Thanks Adrian !
6 out of 8 so but plan on adding the last two soon.
GDV, and EIT-UN
One of your best videos Adrian 👌 .
When people ask "what should I buy?"', i would recommend you tell them to watch this video 📹 .
Very helpful and informative 👍
I guess that is a good start, but people should first consider what their circumstances are and determine what they are trying to accomplish with their investments. Yes, making their money grow is everybody's nobble outcome but there is more to it than that.
For example, if they are working earning $100,000 per year and living comfortably, do they really need to own income funds that attract additional income tax for the government to pocket? And do they really need to produce income in an RRSP? They won't spend the income until they retire. And so, the income would have to be DRIPed in order to continue to grow. That being the case, they just simulated a growth strategy. So why own an income fund? Is it because they are lured by the high yield, confusing it with total return? If so, they are making decisions with a faulty assumption.
Well done. I like the focus topic of this video for us buy and hold investors.
Would love to see a video that looks at these funds performance/total returns correlations to each other. I’m looking to add an income oriented fund to my RRSP with a long time horizon, but I’m wondering if I should just pick one rather than broadening out to a bunch of funds…I’m assuming they all move together?
Great video
EQCL was the one I was most interested in. An all in one like XEQT but has a good solid income factor to it? Wow. That's going to be my next purchase
Very appreciated! Thanks
Great video. Thanks!
Thank you Adriano 🙏
Thanks as usual Adriano!
Do you track Total Returns for the ETFs you track and if so, how important is it to you when buying and holding the funds?
I think the great 8 is great for anyone who needs the income for semi retired or retired income im about 5 to 10 years from retirement so for now I'm still focused on growth and for me is HXS which is beatings QQQ and VOO 😮
thank you
Please Do it for the USA🎉
Got some advice for you, never say never, and forever is not forever.
I've tried investing in various things that didn't work out as I hoped. Now, I'm looking at ETFs as a more reliable option. What are the best 5 ETFs for a beginner looking to invest a lump sum?
Being a snowbird, I'm in US most of the time and would prefer to invest in high income ETFs/funds that pay USD instead of exchanging my CAD to USD. I have HYLD.U in non-reg and TFSA. Any other high income ETFs you would recommend I buy and hold forever that will pay me USD? thx.
He needs to cover all if not majority of audience situation
HYLD-U is probably all you really need. What more do you want than owning about 500 of the largest U.S. companies? If that one goes down, everything else is going down with it.
However, if you want to add some diversification on the bond side, try HPYT-U from Harvest. Its yield is 16.57%; 100% covered calls; no leverage; Low-to-Medium risk. But as interest rates decline, expect the yield to drop closer to its target of 15%
Excellent video!!! Could you do one for the US ETFs as well?
Love it!!!
Would like to see the core positions for high yield etfs for us stocks.. like jepq, jepi, spyi, qqqi...
Would be very interested in an American exchange list!
you should consider a top 8 or 10 us listed funds to live off of ( for ever ) , Please .
I'm pretty sure that is what he said he would do.
For covered call having US Stocks should we save in TFSA / RRSP
hey man quick question you said in a older video vfv is better than xeqt would that also apply to uscl and eqcl? great video thumbs up!
Looking forward to the US video.
HBIE is only 6 months old and has only $4m AUM. I would like to see that get above $10m before putting any money into it. There are so many ETF these days, small ones that don't grow are at risk of getting wound up.
yes and all the ETF in this list are too new, the oldest if from 2021 and I prefer to invest in 5+ years old ETF
BMAX is a better multi-asset income option, larger AUM and better performance
@@user-pm6mz3cg6r I have HDIF, HDIV and HYLD amongst others. I have BMAX on the wish list but a bit concerned about the higher leverage.
Great video 👍
Should I buy 36963 shares of HBIE now or wait until after the correction/crash?
Great video. Pls make the same video for non leveraged. I suspect Global X funds will be front and center. Lower Mers and yet great yield.
What about ESPX and ETSX? Those are also great stable income funds!
Eqcl has bery low aum. Is it not taking a risk that is will not sustain and have to close if it doesn't grow?
Good core holdings
great video as always Adrian ! Please do a similar video for USA ;-). - keep up the great work! ~Svend, NH
Yes to the non leveraged video
A question for the purpose of learning please, does the fund charges by management fee or MER because QQCL MER is 2.33% compared to 0.85% of QQCC. If by MER then isn’t the fees for the QQCL is too high for the 2-3% higher yield than QQCC?
Please note - Leverage costs $ - it’s not free - so you must factor / expect interest costs $ for funding the leverage - this is the main reason IMO for higher cost!!!
@@terryfrancis9198Thanks, I understand that there is an extra cost for leverage but in this case it looks too high compared to other leveraged covered call ETFs. 1.48% extra MER for a 2-3% more yield. Hence was trying to understand this.
PDX-clm-crf
USCL Management Fee, MER Fee and TER Fee, the combined total is high for this fund....
Don't forget it is leveraged so the fund has to pass on the interest charges to you through the MER. At the end, it is the Total Return that is relevant not the fees you pay. The higher fees may be a reflection of the extra expenses they incur to produce higher returns
No, I invest for total return. Pty had been a great holding for me. No nav erosion, 9% annual distribution, principal stable. I can sleep at night with pty, I know it will be there. I don't have to monitor the holding to make sure that I leave enough in it to prevent erosion. I've held it throughout the 2020 crash and bought more while I was in it. I won't sell it. I have a 20 year holding scenario. I need to have this much faith in a holding to consider it worthy. This is a foundational holding. Worth holding every moment.
Thanks for that great info. Here in US we only get quotes for HYLD and GDV.😢 Would you come up with an American list for your loyal US subscribers? ❤
those tickers may not me the same funds Different stock exchanges can use the same tickers as other stock exchanges. Make sure that the suffix of the ticker (or something else) indicates that the ticker is from Canada or Toronto like a ".TO" suffix
You don't hold any REITs?
he has RS
REITs funds are not tax-efficient for him as a non-resident of Canada. The one he holds now, RS, will be sold when it reaches his strike price
Any comment on FIAT??
do we have to pay withholding tax on HYLD?
no
No, the fund itself pays the withholding tax. So for tax efficiency, you can buy it in your non-registered account so that at the end of the year, you get a T3 slip showing the amount of tax HYLD paid. That amount is refunded back to you through the foreign tax credit on you tax return. Your tax program does that for you automatically.
Why QQCL instead of QQQY ?
QQQY would be considered more sector specific as it only holds the tech companies of the NASDAQ 100 (I think it’s like 41 or 42 companies out of the 100). Higher yield than QQCL, but more volatile.
Thanks for the great video, you got more than 500 like so better get started on the non leveraged video. 😂
bummer Most of these EFTs are Canadians
They are all Canadian-listed ETFs. They are not intended for his US viewers. You guys have your own great funds which he regularly reviews
should so a US equiv for these, the CAD divs are pretty bad for US folks.
The hold forever part is the one get me confused since none of the investment you show are to stay forever, i will believe yes the good or great part.
There is no reason to not hold these funds for the long term. They are doing what they are supposed to do; produce high and stable income and grow. What's not to like?
Fiera Capital?? 😂😂 Still 💸💸
That's good for me.
Hi Adrian thanks for Confirming I am 100% aligned with you 🤝😁😁🤑🤑. It is funny I am able to Think like you 👽🫡🤝. Thank you bro
Better to think for yourself so you can invest with your own circumstances in mind. But any of these funds should be good as long term holds
Im looking for some Passive Income Investing mutande merch🤣🤪.. just joking paisano.
Serisouly, I've been in growth growth growth for a while now and looking to take a third of the portfolio into income. This video was very helpful:
QQCL, HLYD, HDIV and some BANK.