Latest Stock Buy or Sell? Make More Informed Decisions!

Today, John DeGoey commented about whether ZWE-T, FLEM-T, CYBR-T, VCN-T, VFV-T, XEN-T, SPY-N, ZWH-T, XSEA-T, BHAV-T, VEE-T, VSP-T, ZWU-T, AAXJ-Q, ZCN-T are stocks to buy or sell.

PAST TOP PICK

(A Top Pick Apr 08/19, Down 1%) An ESG product for MSCI EAFE to get exposure outside North America, so it's very good for diversifying your portfolio. (Overall, he expects markets to be rangebound globally for the rest of 2019.)

COMMENT
How to preserve a non-registered account for retirees yet minimize taxes? First, ttagger your sells and don't trade all/many stocks in a single year. Also, you can sell any capital losses to offset gains. If a stock is up $10K and you don't want to sell it all, then sell half of it to to offset another holding that's a capital loss. But remember, you can't buy back the exact same security you sold within the first 30 days; instead, buy something very similar or keep the cash. Overall, sell your stocks very slowly over many years to minimize taxes.
BUY
It's a good product, because it's conservative. The dividends will mute volatility, and there are covered calls on top of that. At least you make money on writing the call options. This offers a lot lower volatility than others in this space.
COMMENT
When you must wtihdraw from your RRIF, what to do with that money? If you have a spouse, you can make the RRIF withdrawals. Also, you can withdraw now, not at 71 which is the limit to withdraw from a RRIF. Sure, you pay a little more tax sooner, but there's less to sell in the RRIF later. You can withdraw $6,000 and put it into a TFSA and never pay tax on it. A note: in your late-60s/early-70s, you can still travel, but no one travels when they reach 80. So, if you're in your late-60s and healthy, travel now--don't wait!
COMMENT
My bank offered me a $30K line of credit with 3% up front over 10 months. I'm paying $900. What should I do with that $30K to invest over 10 months yet write-off that $900? Do you have any non-deductible debt? (No.) If so, pay it off. Interest is only deductible only for things that earn capital gains. So bonds and GICs make no sense; buy stocks. Buy if you're in the stock market for only 10 months, then you're speculating, not investing. Look for things that are cheap, but buy two or three things totalling $30K--and pray it works out. He won't say which geographies to buy, but diversify to lower risk.
COMMENT
An ETF that's been around forever, trading in US dollars. He doesn't know if this will go up or down, but his question is: What is your time horizon? This will do well in the long run.
DON'T BUY
He likes socially responsible ETFs, but not this one. This is not a true ESG ETF. Rather, this is a proxy for Canadian large-caps, like bank and big corporate stocks that have governance rules like equal-opportunity hiring. For a true ESG product, find one that's actively (not passively) managed. It's worth the higher management fee.
BUY
Another S&P index ETF, also excellent. It depends on how you want to play the US market and what you think will happen to the US dollar. Hedge if you think the USD will hurt you. This is steady and good.
COMMENT
A low-cost mutual fund? The DFA (Dimensional Fund Advisors) family, which are cheap and structured in cost like ETFs (very low); and are exposed across many geographies. DFA is the world leader in factor-based investing. He uses DFA a fair bit.
TOP PICK
Very low-cost and a Canadian all-cap (large and small). Very broad exposure yet diverse.
TOP PICK
All corporations are spending on cyber-security, so there's lift on the way up and little downside.
TOP PICK
This is factor-based ETF tilted towards small caps. They are underweight China, only 14%. This is good if you want to invest in emerging markets but are concerned about China.
BUY

ZWU or ZWE Both are good defensive strategies. ZWE: He's not that bullish on Europe, but at least you get income from writing the covered calls here. ZWU: Utilities are much less volatile and more stable, yet expose you to Europe. If you belive in Europe and playing defence, then both ETFs are fine. These two ETFs are highly correlated, rising and falling together. Note that utilities are risk-off, not for you if you have long-term bullish.