Q: I have $500,000 from sale of house that I need to park until January when I can contribute it back to my TFSA. Given the recent strong markets and the fact we are going I to seasonally weak months I don’t want to be exposed to market risk. Once back in my TFSA I will put the money to work in the markets.
I was thinking of using HSAV as the returns are by way of unit price appreciation which would be taxed more favourably than interest paid out in CASH or PSA. The unit price growth in HSAV is somewhat erratic which is a bit concerning.
Your thoughts or other suggestions.

Q: Greetings. Are there any attractive US dividend-paying stocks (3.5%+) that currently appear on your radar? I'm looking for an alternative to US$ GICS or fixed income. Thanks.

Q: Hello 5i,

I have been retired for 4 years and i am now am about to turn 65. i have a DB pension from my previous employer with a bridge benefit that carries until my 65th birthday in a few months.

I have done some projections on maximizing both income over the course of my retirement. I have determined that in my case it appears that these results are optimized if i defer OAS and CPP until age 70...and i am fortunate that i can afford to do this.

At this point i am in the process of converting a enough of my investments to fixed income products to cover income requirements until age 70 (to avoid short term market volatility and help me sleep better at night). One of the products i am looking at is using laddered USD GICs as they have better returns than CAD GICs at this point. I understand you don't give personal advice but i am wondering if there are other options i should consider? Bonds for example? Other?

Thanks!!

Peter