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HMAX

Hamilton Canadian Financials YIELD MAXIMIZER™ ETF

Hamilton ETFs HMAX page

HMAX has paid 42 distributions since 2023-02-27, totalling $7.1772 per unit, without missing a scheduled month. 83.1% of its 2025 distribution was return of capital rather than income. The monthly rate has been reduced 15 times, to $0.1680 per unit. Since 2023-01-23 the unit price has returned +12.7%, against a total return of +83.6% with distributions reinvested.

Price $18.15
Per month $0.1680
Per year $1.99
Yield 10.95%

Price vs total return

Three outcomes from the same holding: the unit price alone, the price plus distributions kept as cash, and the price with every distribution reinvested. The gap between the top two lines is compounding.

Reinvested Taken as cash Price only 2023-01-23 — 2026-08-10
$1,000 invested at inception would now be
Price only $1,127
Taking the cash $1,573
Reinvested $1,836
and would now pay you, per month
Taking the cash · 62 units $10.42 -9% vs $11.47 at the start
Reinvested · 101 units $16.97 +46% vs $11.47 at the start

Reinvesting turned 1.63× the units, while the rate per unit moved -9%. Income is the two multiplied, which is why it can rise through a cut.

What would HMAX cost for the income you want?

Work backwards from a monthly target, and see what that same position would have paid since the fund launched.

Open the calculator
Price return +12.7% Unit price alone, since 2023-01-23
Distributions as cash +57.3% $7.18 paid, held as cash
Total return (DRIP) +83.6% 1 unit becomes 1.6284
Distribution trend -1.2% Last 12 payments vs the 12 before

Reinvestment assumes each distribution buys more units at the closing price on its pay date, with no commission and fractional units allowed — a real DRIP rounds down to whole units, so the totals are a slight overstatement. Unit counts are shown rounded down, and the monthly income is calculated on them. Before tax throughout. HMAX has reduced its payment 15 times since inception.

Fund details

Issuer Hamilton ETFs
Sector Financials
Exchange TSX
Inception 2023-01-20
Distributions Monthly
Risk rating Medium
Currency CAD
Currency hedging N/A
Management fee 0.65%
Return of capital 83%
Fund assets $2.59B

Tax character 2025

How a year's distributions broke down, per unit. Published after year end — the most recent year available is an estimate for the current one, not a statement about it.

Component Per unit Share
Eligible dividends $0.33712 16.9%
Capital gains $0.00000 0.0%
Other income $0.00000 0.0%
Foreign income $0.00000 0.0%
Foreign tax withheld $0.00000 0.0%
Return of capital $1.65238 83.1%
Total distribution $1.98950 100%

83% of this distribution was return of capital — untaxed on receipt, but it reduces your cost base. What that means.

What this costs you in tax, by province

Distribution history

The last year of payments. 42 in total since 2023-02-27, worth $7.1772 per unit. Entitlement is set on the ex-date, not the pay date.

Ex-date Paid Amount
2026-07-31 2026-08-10 $0.1680
2026-06-30 2026-07-08 $0.1680
2026-05-29 2026-06-05 $0.1670
2026-04-30 2026-05-07 $0.1670
2026-03-31 2026-04-08 $0.1640
2026-02-27 2026-03-06 $0.1650
2026-01-30 2026-02-06 $0.1650
2025-12-31 2026-01-08 $0.1660
2025-11-28 2025-12-05 $0.1650
2025-10-31 2025-11-07 $0.1640
2025-09-29 2025-10-07 $0.1640
2025-08-29 2025-09-08 $0.1650
All 42 payments, by year and every rate change

Allocation

Sector Allocation
Asset Management 8.8%
Banks 75.9%
Insurance 15.3%

Holdings

RY Royal Bank of Canada 25.0%
TD The Toronto-Dominion Bank 17.0%
BMO Bank of Montreal 10.8%
CM Canadian Imperial Bank of Commerce 9.2%
BNS The Bank of Nova Scotia 9.2%
BN Brookfield Corp 8.9%
MFC Manulife Financial Corporation 6.4%
NA National Bank of Canada 5.4%
GWO Great-West Lifeco Inc. 5.1%
SLF Sun Life Financial Inc. 3.9%
All 12 holdings, with allocation

Track HMAX in CleanDividends.

Every distribution matched to the units you held, on your real cost base.

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Prices as at 2026-08-10. Distributions and fund details as published by Hamilton ETFs. Not a recommendation and not tax advice — see the disclaimer.