Q: I purchased these with a view to moving away from equities. I am retired and interested in dividend income. While capital appreciation would be nice, ensuring limited capital losses is more critical. I'm getting a healthy monthly income from all 3 but based on recent adjustment by RBC Direct it seems some of that is ROC ... so it's an inflated dividend percentage as it is clear capital is eroding. Seems like I may have made a mistake ... down about 7% as I sit today since I purchased. When you consider ROC I'm down over 10% on my original purchase price. Not the end of the world, but what is it going to take to get the share price moving back up for these 3? Would you continue to hold ?

Q: Delete the last question; Harvest shows a truncated version - as though it has just been issued. The profile is very similar to that of HPYT so the new question is should these funds do well and what is the difference between them?

Q: A follow up question re HBND. The yield as you point out is quite high. I suspect that is due to the decrease in share price. If the price recovers will the dividend $ continue to be close to where they are now; and therefore providing the best of both worlds…. Some degree of safety, nice yield and a capital gain.