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  5. ZST: I have 15k in a savings account at my bank, at a very low interest rate. [BMO Ultra Short-Term Bond ETF]
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Investment Q&A

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Q: I have 15k in a savings account at my bank, at a very low interest rate. I'm thinking of putting the savings account funds into ZST and get a total return in the 6% range. This would be in a TFSA account. What are your thoughts, maybe ZST.L or another ETF?

Thanks.
Asked by Brian on July 26, 2025
5i Research Answer:

ZST is a short term bond ETF, with a current indicated yield of 2.74% and one year return of 3.98%. We would consider it quite safe, at least as far as bond funds go, due to its short term nature. It is not perfect, and five year annualized is 2.82%. Still, it is likely better than a bank account, and can offer better returns if interest rates move the right way. We would be comfortable owning this for a place for cash.