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  5. XFLI: I am interested in these for steady income while limiting capital losses in an RRSP. [iShares Flexible Monthly Income ETF]
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Investment Q&A

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Q: I am interested in these for steady income while limiting capital losses in an RRSP. Your thoughts on both in terms of quality and ability to withstand a downturn?
Asked by Randy on February 02, 2026
5i Research Answer:

XLFI primarily invests in debt and income producing securites. Assets are $394M and fees 0.56%. It has a short history. One year return is -0.04%. Indicated yield is 5.42%. It primarily invests in a global mix of debt and income-producing securities like corporate bonds, high-yield credit (up to 20%), mortgages (around 40% in commercial and residential), CLOs (up to 15%), and floating-rate loans, with an average portfolio duration of 1-5 years. The fund aims for maximum long-term income as its main goal, with capital appreciation secondary, and it's unconstrained by benchmarks for nimble multisector allocation. With a short history we are uncertain in its ability to limit losses. So far performance has been less than impressive. 

FLX.B has $30M in assets and higher fees. It invests in fixed and floating rate securities. It also has a short history. One year is +1.81%, indicated yield 7.8%. Its holdings are well spread out over maturity dates. 79% is corporate bonds. We think it has potential. Both funds 'should' do better if interest rates fall. But neither is really a standout to us. In a bad downturn corporate bonds may decline more than government bonds.