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Investment Q&A

Not investment advice or solicitation to buy/sell securities. Do your own due diligence and/or consult an advisor.

Q: hello 5i:
we hold some PFFD, but your system doesn't seem to recognize that ETF.
Question: would you expect TLT and PFFD to track very closely? Their charts look similar on a 5 year scale.
If so, and as the yield on PFFD is much higher than that of TLT, would not PFFD have a signicantly higher total return over almost any time horizon?
thanks
Paul L
Read Answer Asked by Paul on October 27, 2022
Q: Hi Everyone at 5i!
I am a new retiree and hold these three ETFs as part of my income portfolio . They have all dropped in value , due to increased interest rates and the market in general. These are my really long term holds unless you foresee a problem with this idea.
Cheers,
Tamara
Read Answer Asked by Tamara on October 27, 2022
Q: Hello, I have asked this question last Thursday morning, so just in case it got lost, here it is: these 2 ETFs seem to be similar, except for the lower MER for LIFE and the higher market cap for HHL, is there something to be aware of if I switch from HHL to LIFE for tax-loss reasons? Any disadvantage in putting money in LIFE? Is The Evolve business solid? Thanks.
Read Answer Asked by Martin on October 25, 2022
Q: HI 5I,

I have been reading, listening to my financial advisor and seeing some answers on your question blog that there may be an opportunity with bonds. I like ETF's the last while, so can you give me your advice on some ETF's that incorporate a high level of bonds that may see some upside if bonds were to have some capital appreciation. Thank-you
Read Answer Asked by Jason on October 25, 2022
Q: I am waiting for an opportunity to buy back into bonds
My preference was tlt as the go to investment.
Recently a new etf has been introduced UTEN which is a 10 yr us t- bill.
It’s present yield is about double that of tlt.
Would you expect both to react the same if and when interest rate increases stop and actually reverse direction
Read Answer Asked by Leon on October 24, 2022
Q: What is your opinion of this etf as one vehicle to ride out possible recession?
Read Answer Asked by Lawrence on October 24, 2022
Q: I have half my retirement portfolio in cash right now and plan to start layering in to index funds over the coming months. Consensus seems to be a Recession in 2023 so i'm thinking about taking a more defensive approach like SPHD and receive the 4% dividend while the market figures out where it is going in 2023 and beyond.
Once sentiment improves and another bull market looks to be in the horizon i would likely shift from SPHD to SPY and/or Sector in flavor funds.
Seem like a reasonable approach?
Read Answer Asked by Rob on October 24, 2022
Q: In your reponse to Cecil today you state: "VOO will be more tax efficient as it is US-listed whereas VFV is Canadian-listed. Foreign withholding tax on dividends will be exempt." I was under the understanding that there is no foreign withholding tax on dividends in an RRSP.
Read Answer Asked by Dennis on October 22, 2022
Q: Good Evening
To follow up on my yesterday's question, you suggested ZPR for a proxy on CDZ. How can a laddered preferred share ETF (ZPR) could be a proxy for CDZ?
Can you please clarify?
Thanks
Read Answer Asked by Terry on October 22, 2022
Q: For registered accounts, (RRSP) holding VOO directly will be more tax efficient than holding VFV. Can you elaborate. Pl;ease---Cec
Read Answer Asked by Cecil on October 21, 2022
Q: Peter, one of the worst 'safe' investments I have ever made has been ZPR. Looking for a somewhat enhanced yield and a bit more safety, my 2014 investment shockingly dropped by about 40% in a year! The explanation 5i offered at the time was the declining interest rates combined with ZPR's rate reset preferred share holdings. But now, interest rates are INCREASING and ZPR is again down - almost 20% in the past year, and 12% in just the last six months. I realize other factors can move prices, but I'm mystified how a supposedly more stable investment can decline so much, so quickly, both when prevailing interest rates go UP and when they go DOWN! Do you have any explanation that might make sense to a mere mortal?
Read Answer Asked by James on October 21, 2022
Q: Hi to all.

Presently retiring in a few months and looking for income.


Presently we own XHC in our RRSP account and thinking of changing over to LIFE.


Would this be a good switch in your view, or is there a better option?


Thanks again


Mike


Read Answer Asked by Mike on October 20, 2022
Q: Great October Market Report. I notice that in the 2008 and 2020 periods, job opening numbers began to decline only after higher rates had plateaued for a period of time. Today, job opening numbers have started to decline before higher rates have begun to plateau. Does this suggest the FED has gone too far to fast...and is poised, or could be forced, to quickly pivot? I'm just looking for a good reason to step into ZAG, or XBB for some decent yields and opportunities for capital growth. Thanks as always.
Read Answer Asked by Curtis on October 20, 2022
Q: Would you please suggest the names of several short & long term US Treasuries ETFs. Thanks … Cal
Read Answer Asked by cal on October 19, 2022
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