Q: All my fixed income is in XCB,XRB and VAB. All are held in tax sheltered RSPs and distributions are in DRIP programs. My question is " would you continue with the DRIP programs as I have to start withdrawals in 5 years when I turn 71? " These bond ETFs are all in serious down trends.

Q: I have held these three funds since early 2016 for the stability component (maintain capital and some income) in my portfolio. The annual MER's are .44, .86 and .84. respectively, I have series F in the PMO funds. Extra year end distributions for the PMO funds were nice but they stopped after 2018 year end.

Their total capital growth has been very modest, about 2-4% total over several years.

I am not too comfortable with the higher annual MER's.

Could you comment if I might see significant capital drop if interest rates go up? Also, could you recommend any different holding or stock that I may consider instead of these funds for stability and income?

Thank You.

Q: from your research does this company look decent im having a hard time getting reports lets say from td or raymond james or baystreet that would help a lot ....thanks .