4 ETFS (INDEX FUNDS) For MONTHLY PASSIVE INCOME in CANADA (2021) - Full Breakdown

[@beaviswealth]

Hey Everyone! Here is a list of all of the funds mentioned in today's video for you to check out further. Don't forget to drop a THUMBS UP if you enjoyed! :) VDY - www.vanguardcanada.ca/advisors/products/en/detail/etf/9560/equity XEI - www.blackrock.com/ca/investors/en/products/239846/ishares-sptsx-equity-income-index-etf?switchLocale=y&siteEntryPassthrough=true VRE - www.vanguardcanada.ca/advisors/products/en/detail/etf/9559/equity ZWC - www.bmogam.com/ca-en/advisors/zwc-bmo-canadian-high-dividend-covered-call-etf/ 📈📚 As always, if you're a beginner to the Stock Market in Canada and you're looking for a step-by-step blueprint on how to get started... Find out more about our Investing Academy here - bit.ly/theinvestingacademy

[@kimmykero2421]

I own and like both XIC and XEI. Your videos are invaluable...your are offering a great service to novice investors! Thank you!!

[@annehenderson7911]

I will always”like” I so appreciate the serious research that goes into your choices.

[@lichellecruz5744]

I own txf, incredible return for the past 10years plus over 10% divy, super love it

[@gunjotghai8460]

Believe it owns US stocks

[@leowilson4539]

I am currently holding ZWC and EIT.UN

[@lesliemcfarlane783]

I do own ZWC and so far its been great. I even have some share appreciation. I'm investing right back in from my monthly payout. I'm interested in The other 2 as well. Thanks for the videos.

[@jsh8205]

Do you use a specific app?

[@jefferyhatch2838]

I’m looking at going into ZWC this year

[@patrickbelanger6253]

VDY is one of my favorite. CDZ and ZWC too

[@markgrain6172]

Hey Brandon! We need a podcast of all your KZbin videos! I would love to listen while I’m at work! Could help grow your channel, love what your doing!

[@beaviswealth]

We have one set up Mark! Search The Investing Academy Podcast and we put all the videos into audio form 🙏🏻👍🏻

[@lofiseed]

Personally, I would go with XDIV over VDY and XEI. Because I already own XIC I feel like a nice balance to that would be a more concentrated dividend-focused ETF... if that makes any sense.

[@Rob-ob3sh]

Finally a positive view on ZWC as so many KZbin channels turn away from them calling covered call ETF’s risky. Nonsense good work Brandon and thanks for the great video as always.

[@jassilavkainen9027]

Right? From the videos I've watched, it seemed like covered calls are even a better bet than buying your normal ETF's.

[@michaelhamilton-piercy6703]

Your paying too much in fees... there are better options...

[@Roger-of5ij]

@@michaelhamilton-piercy6703 Curious what better options you are referring to, Michael?

[@kaos6093]

I hold VDY ZWC EIT and DFN for dividend stocks. So far they are all great!

[@paulsantori8920]

Take a look at LBS and ENS if you want to add some more monthly income and diversification. They are both split corps like DFN.

[@Schecter1989]

Not an index fund but I'm all in on XDIV. Monthly dividend paying ETF that's a basket of high-quality Canadian dividend paying companies. Mostly banks and utility companies.

[@BastardWalrus]

I'm quite novice at this, been watching lots of videos from you and others about investing in Canada. Some holdings I have are in: XDIV, XIU, ZIC, ZMI, ZWU, NXF, and RIT are some dividend ETFs I own. I do own a share of ZWC and I have looked at VDY and XEI before, but as I stated I'm quite green at this; I've learned a lot in the last 2 months, however.

[@JSB-2Z-2K]

what worked out best for you from all these?

[@BastardWalrus]

@@JSB-2Z-2KI'm looking for good dividends and NXF has the most dividends so far. Fairly cheap too. RIT has been good too.

[@to3sted248]

@@BastardWalrus can you explain dividends? Sorry I’m just really new at this and want to learn 😇

[@BastardWalrus]

@@to3sted248 Dividend yields, usually expressed as percentage, is what a company might pay out to shareholders. It's usually a small amount per share. Not all stocks or ETFs offer dividends, and, similar to the worth of a stock on an exchange dividends can fluctuate (although, in my limited experience, they don't fluctuate often, or by much; last 10 months 2-3 ETFs have dropped 1 cent, but 5-6 have gone up a couple cents). They can be dispersed within a certain frequency usually monthly, quarterly, biannually, or yearly.

[@to3sted248]

@@BastardWalrus So basically the company pays you for investing in them?? And How much do they pay you like does it depend on how much you’re investing in them?

[@DannE11TV]

Those two last ETFs were extremely interesting. Had to bust out my research book n take notes and also ended up placing VRE & ZWC in my watchlist ! Respects Brandon !

[@ledeux]

I bought xei and zwc today after receiving dividen from my reit, i own a lot of the reit that is in VRE

[@alejandroruiz4891]

Hey Brandon, I wanted to thank you for all your content! I started investing last year and learned a lot from your channel. Thanks for telling us about Canadian Tire last year too ;) Keep up the great work!

[@ericarosemenasanchez8838]

fun fact about vdy. I think the avg monthly dividend is actually 11.5 cents/mth. One month it will pay you 9cents per share the then another month it'll pay you 14 cents per share. Probably because its so heavily weighted in the Canadian banks.

[@cantonpop]

i owned almost all of them!!! But still it's good to know more about these ETFs from Brandon's perspectives!

[@anne-mariel3256]

I feel same way. I have them all but sold VRO.

[@mastertrader3491]

What's the difference between the NAV and the Market Value please, and also difference between Management fee and MER, thanks

[@Slimshady316]

Loved the video! This is exactly what I was looking for. Can you please make a similar video for US Dividend ETF's. Thank you 🙂

[@CaptainBlankENT]

Previously held 3/4. but took profits recently and now have 2/4 long term as I'm taking a more aggressive approach. All great options!

[@averagejane09]

As always, great presentation and so informative. So grateful for your channel. I am late in the investing game so I won't be in the position to gain as much as I would have starting this younger....however, this gives me a chance to help my son learn investing young so he will be further ahead than I was. Not entirely clear on what "call out" means but will look it up! Thank you.

[@jupitereye4322]

There are better options than what is presented in this video. These are probably very stable investments but not yielding much.

[@investlearner2798]

I own VDY. 10% return since since January 2021 plus dividend pay out. Love the steady growth and devidend pay out.

[@kimsakura8494]

would appreciate the breakdown of actual dividends and ROC (or if there is any in the funds that you had mentioned), and your rationale of some of the high yield ETFs which pay ROC as part of the distributions, and depreciating the cost of the fund. Thank you so much.

[@dhkchung8219]

FYI, BMO charges NO COMMISSION FEE on VDY & XEI, and 80 other ETFs from iShares, Vanguard and BMO..

[@smokey8400]

Great info but where would you use these in RSP or TFSA? Only 1 of these keep up with inflation do what's the point?

[@PassiveCanuck]

Love my VDY and ZWC. Every month they are both being reinvested with DRIPs and every month they get bigger and bigger👏

[@citypro3099]

I buy before and sells. And buy 2 stock only hhahaa

[@renzenker2526]

Brandon could you please do a video on ZWC vs. DFN?

[@citypro3099]

I have own the stock like u too. But only 2 shares per stock. How do u know this stock? Do u research or by u self ? What is mostly u want on stocks? Daily trade for profit or Dividend payment?

[@renzenker2526]

@@citypro3099 I have had an online trading account since 1999. I have not been in the market this entire time, due to other projects, but I have significant experience. I do my own research and also research "tips" I find. For example after this video I researched ZWC and took a position. I am not day trading, but looking for undervalued high dividend paying stocks for retirement.

[@darkbroseph]

Should you own multiple ETFS in the same portfolio? for example XIC.TO and ZCN.TO or is that a redundant approach

[@gregdilan5482]

Hi Brendan, just an idea/suggestion for one of your future educational videos, namely a detailed explanation of what Distribution Yield, Current yield and most common subtleties regarding dividend investing, with examples of course :)) Thank you for your time and efforts to educate and make complex topics easy to digests. Cheers !!

[@mohitwadhwa86]

Hello Brandon the return you show their is on monthly basis or annually ?

[@FPSCongo1]

DGS. 17% anual dividend distributed monthly

[@shirindhanani2922]

Just to correct you, you keep saying Vwc for the last etf whereas it is "ZWC. Otherwise very well explained. Thank you

[@mattcap5103]

I don’t get the point to own 3% returns dividends when the inflation price is around the same percentage. Could someone explain this ? How is it profitable?

[@the_noble_lefty]

Hey Brandon. I like XEI and it’s the only etf I invest in(about 2 years now). Do you think it’s safe to invest everything into one etf?

[@digitalincometactics9858]

Very interesting I don't own ETF's yet but this is exciting thank you Brandon!

[@evanboudreau988]

FIE but i recently sold being near all time highs to buy the tesla dip. I sorta us it as a cash position till I see something on sale. Monthly 4 cent dividend.

[@herveeleazard5416]

Good video!!! but i want to know how many shares to buy on these to start a portfolio,,, you mention 100 $$ but can you tell how many shares to start with a reit or etf

[@sarahanne3612]

The fees per year are if you invest with a broker but if you invest with wealth simple are there yearly fees also ?

[@jaypatel6998]

Can you make video about hedge etf vs unhedged etf which one is better like HXQ vs XQQ?

[@Cedandkikisailing]

ZWC is a great suggestion - I have owned a similar fund, ZWQ for BMO covered call utilities ETF. Same fund but concentrated in the utilities. Great funds for those searching for regular income. Would be nice to see similar investments for US$ income.

[@akshanshjain]

Hey Brandon, can you please make a video on the DIVIDEND CAPTURE STRATEGY? Does it work or not after considering taxes and other aspects?

[@podiman-ca]

I hold both VDY and XEI. I was contemplating whether to invest in just one of them as they are essentially the same. Not sure what I should do just now, may be I'll invest in only XEI as it's much diversified than VDY. A question that I have is if I have invested in these ETFs through a trading platform like WealthSimple, when is the MER fees get deducted? Is it deducted from the dividend that they issue or do they take the fee directly from my account?

[@shlokesrivastava1188]

I was wondering the same thing!

[@may4u310]

MER is adjusted in price of etf.

[@badwifiop]

hey brandon. not sure if you have covered this in another video but i had a question about etfs and the MER. is this fee deducted from the dividends when they are paid out? what happens if the etf does not have a dividend? do i need to keep cash in the account to pay? or is the MER baked into the stock price? thanks

[@derangedbutfun]

Thumbs up immediately. Will return to view in greater details (with a notebook)! Thanks for continuing to offer a Canadian perspective on how we can improve up here, too. 🍁

[@mahio96]

Is doing stock on wealthsimple is good or not ?

[@a_d_s5361]

Awesome video. I’m trying to find a REIT ETF where the biggest holding is in industrial properties (or at least really high in industrial properties). I was going to buy Dream industrial REIT and possibly H&R but was wondering if there are any high industrial ETF’s that I could buy.

[@luciat662]

Thank you Brandon! Would appreciate your review on some of the popular ETFs which pays out a high % but with roc, such as XTR, how should an investor justify that?

[@PieRises]

Yes, I would like clarification on that too!

[@donyaschuk6538]

The usual excellent work by Brandon. Please do a vid with just USA etf's like spy and vanguard. Cheers

[@abroadstateofmind5571]

Important info that I was looking for. Have to be early for the knowledge this year thank you!

[@jkwacker8225]

With the fees you mentioned are we just paying the MER? I also see a management fee. Is that fee part of the MER or something we have to add to the MER? Just looking for clarification.

[@biomolecologo]

that's part of the MER. The MER is all you are going to pay for an ETF.

[@rickjames342]

@@biomolecologo do you also know if the yield is after the Mer or before? Thanks

[@biomolecologo]

@@rickjames342 the price of the MER is blended into the share price of the ETF, but I think the yield is calculated before subtracting the MER. So the actual yield is the posted one minus the MER. But I might be wrong.

[@schoowoolovesbooboo2170]

Yield is after MER

[@mastermindp2845]

Great video., my question is, should these ETF's be bought on Questrade or Wealthsimple? Questrade has no fees on ETF's but I think Wealthsimple doesn't have fees on Canadian stocks, so do they have fees on ETF's?

[@mikemcharg4422]

Did you end up using either of them?

[@mastermindp2845]

@@mikemcharg4422 Actually, I already have stocks on these two platforms. I'll be taking some ETF's in a few days. I'm still trying to get as much info as I can right now.

[@berenicei.7283]

@@mastermindp2845 did you buy any afterall?😅

[@mastermindp2845]

@@berenicei.7283 Hi Bérénice, Seems that I’ve missed your notification. As I’m not very active on social media. J’en suis sincèrement désolé. To answer your question, after the video, I did buy some ETF and I also started to do some research. My portfolio is not bad this time around. I’m pleasantly surprised.

[@kmsnow6292]

As I understand, the fee for an ETF includes 2 pieces: MER and TER. In this video you only discuss MER. Is that because these companies don’t want to show the TER, or hiding it for some reason?

[@lucyyiu7292]

where I can buy all these 4 ETF

[@rrahul963]

Can you please share your views on DFN?

[@joelaneve8664]

Great Video! Very simple to understand. Can you purchase these ETF'S in TFSA?

[@asmith2406]

I would suggest the RBNK etf. It follows the Canadian bank yield index.

[@luicandeias8471]

Hey everyone, I'm completely new to investing and I'm here to learn! Just based on this video I'm not sure what the advantage of investing is. In one example if I have $100,000 in one of these ETF's and receive a annual return of 0.38% minus the MER fee it's about $300. How do people get wealthy investing? I understand many do so I'm simply asking out of pure ignorance of course. Is this a case of it takes money to make money, in order to become wealthy?

[@TheReelMinecraft]

0.38% is much too low for an annual return. Perhaps its a monthly return with the annual being 4.56% ..?

[@augustuscaesar5291]

Hey Brandon. If I have a US dividend in my TFSA do I need to do any paperwork with my taxes.

[@gjreid4873]

I'm not confused all. XEI-XIC? VWC-ZWC?

[@alextennis24]

Great video Brandon. Do you recommend putting these 4 etfs, in a RRSP acount, and let them go.. or trade them in a TFSA and trade them on your own, or both ? Also, is there a specific entry action price that you would recommend for these etfs ? Thx

[@VishalYadav-dd2lu]

Hi Brandon, in the BMO fund if we invest 100$ so at the year end we will be earning 11$ - MER?

[@BeeEmEcks]

Your explanation of the covered call strategy was excellent and very easy to understand! Thanks!

[@ArtByHazel]

Great info for those who are just starting to invest. Thank you. Watching from Montreal! :)

[@jupitereye4322]

How is Vanguard 2.48% a good yield if the inflation in 2021 was 4.2%? On average, taking the last 4 years' average inflation this is barely tracking just above the inflation rate. There are other much better options for income dividend, pretty stable and probably more than double than what Vanguard is offering.

[@user-dv8bs7tb5c]

Thank you for these I already have 3 of them but it's nice to know someone else likes them lol 🤣 I JUST learned that I'm wasting alot of money buying the US versions of some of these Vanguard ones oopsie

[@jefferyhatch2838]

Been watching lots of videos lately Brandon So ZWC will give me 11 cents a month per share or 11 cents a year per share?

[@jquinlan94]

How does someone start investing in ETFs? Registered or non-registered? Is the VDY and VRE only available with Vanguard? Do you use websites like wealth simple or quest trade?

[@RAKEyon]

Take a look into vanguard (VOO)

[@JohnnyMastro]

Hi. Can someone explain what distribution yield means and how it differs from dividend yield? There are no vids on the topic.

[@aashishpednekar7119]

I own a stock which has 6.97% dividend. But I get monthly return worth x 0.006 rather than getting x 0.06. How does this work? Can you help me out or explain this please ?

[@williamdedrick5095]

What about how much you need for DRIP?

[@jblitz1556]

HMAX is monthly dividend fund. Any thought on fund. Please share

[@gerardsahagun4156]

Hi Brandon! I’m a new subscriber to your channel :) Are we charged the MER fees every month or only every time we buy the ETF? Thanks, your videos are part of my daily routine now.

[@piyushgarg9897]

MER is charged yearly

[@rayzad1564]

@@piyushgarg9897 If you sell the ETF before the MER is collected can you get away with not paying the MER? I thought the MER is worked into the price of the ETF. NO?

[@beaviswealth]

Hi Gerard. Just to clarify for you, the MER is based on an annual amount, but are accrued daily and charged monthly. They aren't related to buying and selling. Thanks for asking. - Marc

[@beaviswealth]

Hey Ramin. You're correct... you can't get away with not paying the MER, because although it's based on an annual amount, it's accrued daily and charged monthly, so it's baked into the price. - Marc

[@fredericktam8726]

The MER is baked into the performance of the ETF. You don't have to actually pay anything physically. Depending on your brokerage account, some don't even charge commission when you trade ETF (ex. National Bank Direct Brokerage/BMO Investorline)

[@oly2048]

Good information Brandon on ETFs. I have 1kcad sitting in my Questrade account. When is the right time to purchase ETF stock, like for XEI it's at 23.57 as of this writing. Do I have to wait even for a slight dip before buying, or it doesn't matter as the EFT pays dividends? Thanks for answering my dumb question :)

[@grahamatkinson9591]

Hello. I have TD ETF's. Mainly TPU and and a global tech etf from TD. Are they reliable?

[@NatePolmateer]

Brandon, just saw you in a TD video today from when you had 75k subs. Always appreciate the time you take. Another great video!

[@anne-mariel3256]

VDY pays for my internet monthly... i sold VRO plus more people work from hone, so empty commercial space it wasn’t growing much ... love the other ones too. Glad they are BBI approved...

[@nileshaggarwal424]

Hey Brandon, Is ZWC still a good buy today? Also, if am looking for a long term return (say 1-2 years), how much would you advise me to start putting in monthly into this and the other ETFs that you talked about? PS: My savings for a month are around 1000 CADs, so please advise a breakdown. Many thanks ^_^

[@robertbazso5053]

Thanks for the good video, just purchased 100 shares of ZWC... trying to balance my ETF’s... I also own ZEB and ZDV as well as CDZ... may have too many redundant with. the last 3... let me know what you think... bern buying up everything you and your dad suggested

[@treborunique2905]

Hey Brandon, my question. Is It safe to buy this stocks to Wealth Simple if I buy around 200 shares of VDY or more? Thank you Sir..

[@magoli31]

Hi Brandon, I am new to this. I am very interested in investing .I like how you explained but as a novice I would love to learn more... step by step ..How do I get hold of a mentor ?

[@paulsantori8920]

I currently have VDY and ZWC, looking forward to more monthly dividend videos.

[@xiaowei7381]

I’m currently holding xgro for growth and xdiv for div and its low management cost

[@tbprofile1295]

Hi Brandon, thanks for the video. My financial advisor recommended that if I buy ETFs or mutual funds that I avoid buying in the last few months of the year as it is a tax disadvantage. Would you have any knowledge on this?

[@fredericktam8726]

Some funds have year end distributions usually which have tax consequences if you hold your positions in a non-registered account.

[@luicandeias8471]

@@fredericktam8726 What is a non registered account? Can you give an example? Thank you

[@bestknightmare]

Congrats! Can you do a video on tencent? I know you did a Baba about a month ago. Is it still a buy to hold a year or two?

[@dasynn85]

If I invest on the TSX into a US based ETF with a TFSA account do I still pay the US withholding tax?

[@CanuckDividends]

Yes you do with a TFSA but if you use an RRSP account there is no witholding tax

[@JSB-2Z-2K]

Should one invest just in ETF index funds if they want high dividends and lower risks, or also add something else ?

[@wayneapplewh1002]

Where is the link to the Investment Academy?

[@MrJamesDaniels]

Love your selections!

[@dsyz4270]

I have big numbers of high dividends stock ENB and PPL and will hold it longer times. what is the strategy to helge the market drop? Thanks so much for your answer.

[@shockout1]

Thanks Brandon. Great video as always. Perfect timing. I have been considering selling my VRE position to put into IDR. May reconsider now. May I ask what you think of IDR? Thank you.

[@rajcherian578]

very nice presentation, no dragging but to the point.

[@wongralvju]

First three appear to be expensive with less than 4% dividend at the moment.

[@THEROOK2007]

Amazing info thank you Brandon for sharing ! 👍🏾

[@chrisboy7055]

How would invest 100k dollars in stocks or etf itc?

[@brokegirlinvesting]

Still new to all this. Thank you for sharing!

[@Kraigmire]

Anyone have TXF? Near 10% dividend and unlike ZWC, whose value is slowly declining over time, TXF is going up a lot. It is only tech so not very diversified, but is there another downside to this ETF?

[@donmcleod2235]

As a bit of a contrarian investor and Buffet follower, having $10,000 to invest in your 4 ETF picks, maybe $2500 each, would I be better off in the long term to buy $1000 each of the 10 best stocks of the collective 100+ stocks of the 4 ETFs? And where possible have the dividends reinvested? Maybe you could do a comparison over 10 years of holding ETFs vs stocks?

[@JoeSmith-pu9hi]

question: the performance % shown on etfs and mutual funds includes the MER factored in? Is this correct?