Investment Q&A

• Purpose US Cash Fund (PSU.U)
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• Global X USD Cash Maximizer Corporate Class ETF (HSUV.U)
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• US High Interest Savings Account Fund (HISU.U)
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• Global X 0-3 Month U.S. T-Bill ETF (UBIL.U)
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• CI U.S. Money Market ETF (UMNY.U)
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• Global X USD High Interest Savings ETF (UCSH.U)
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Q: Looking to invest additional US dollars into a high interest ETF. Currently invested in UCSH.U, but are there others ones I should be considering as better options.

Upvote 6

Read Answer Asked by RALPH on October 10, 2024

• iShares Core Canadian Universe Bond Index ETF (XBB)
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Q: Why is XBB dropping in price over the last few days? I thought bond prices would rise with the prospect of lower interest rates.

Upvote 4

Read Answer Asked by Ron on October 09, 2024

• Hamilton U.S. Bond YIELD MAXIMIZER TM ETF (HBND)
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• Hamilton U.S. T-Bill YIELD MAXIMIZER TM ETF (HBIL)
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Q: Hi, I am wondering what percentage split one should have between long term bonds and short term t-bills on the cash side of their portfolio. I realize that it is somewhat an individual choice, but can you give me a ballpark kind of split. My investments are presently 70% equities, and 30% cash equivalents. Thanks

Upvote 3

Read Answer Asked by Greg on October 07, 2024

• Harvest Premium Yield Treasury ETF (HPYT)
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• Harvest Premium Yield 7-10 Year Treasury ETF (HPYM)
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Q: Similar etfs....20 yr vs 10 year. Why such a big difference in yield?

16% vs 8%

Upvote 2

Read Answer Asked by JACK on October 07, 2024

• Hamilton U.S. T-Bill YIELD MAXIMIZER TM ETF (HBIL.U)
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• Hamilton U.S. T-Bill YIELD MAXIMIZER TM ETF (HBIL)
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Q: What are your thoughts on HBIL and HBIL.U ETF to hold money instead of money market funds.

What are pros and cons.

Thanks for the great service

Upvote 2

Read Answer Asked by Hector on October 02, 2024

• iShares Core U.S. Aggregate Bond ETF (AGG)
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Q: Thank you for your answer to my previous question. I should have clarified the funds I am speaking of are U$. What would you recommend (ETF wise) in US markets as an alternative?

Thanks for all You do

gm

Upvote 1

Read Answer Asked by Gord on October 02, 2024

Q: I'm not sure if you will provide information and/or are comfortable commenting on Fidelty Investment ETFs. I have taken a cursory look at this particular fund. I am looking for something comparable that can generate a similar or better yield (4.01%) while enjoying a conservative capital gains opportunity.

Thanks for all you do

gm

Upvote 2

Read Answer Asked by Gord on October 02, 2024

• BMO Asset Management Inc (ZTM)
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• BMO Short-Term US Treasury Bond Index ETF (ZTS.U) (ZTS.U)
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Q: I have a 3% weighting in USD RRSP account, would their be a better bond play/recommendation than this for capital appreciation in USD?

Upvote 1

Read Answer Asked by Craig on October 01, 2024

Q: Hi Peter,
US Central Bank finally starting to cut interest rate; however, several days last week and today, the yield for 2 years to 10 years treasuries are moving up. What is the reason behind this disconnect? Also, if my aim to purchase bonds is to maximize my capital gain resulting from interest rate cuts, is it better to invest in Target date bond index ETF like RQS, rather than buying an open end bond ETF like XBB? My understanding is that if I hold my Target date bond index ETF till maturity, my capital gain would not be diluted vs constant bond renewals in a typical bond ETF like XBB. Thanks.

Upvote 2

Read Answer Asked by Willie on October 01, 2024

• TD Investment Savings Account Series F (TDB8158)
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Q: Good afternoon,
Which of these two is better to invest my US cash for the next year?
Secondly which is safer?

Thanks,
George

Upvote 3

Read Answer Asked by George on September 30, 2024

• iShares Core Canadian Universe Bond Index ETF (XBB)
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Q: Why is the price of XBB going down now, since interest rates have come down?

Upvote 2

Read Answer Asked by Ron on September 30, 2024

Q: Considering what is happening to the Treasury yield curve, if one is looking for capital gains what maturity of bonds would you suggest at this time?

Upvote 3

Read Answer Asked by Lawrence on September 26, 2024

• iShares 1-5 Year Laddered Corporate Bond Index ETF (CBO)
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• iShares Core Canadian Universe Bond Index ETF (XBB)
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• iShares Convertible Bond Index ETF (CVD)
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• iShares Core Canadian Long Term Bond Index ETF (XLB)
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• iShares U.S. High Yield Bond Index ETF (CAD-Hedged) (XHY)
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Q: These are some of the bond ETFs you have previously suggested. You have recently noted that, while interest rates are dropping and long-term bonds should ultimately provide the most torque in this scenario, shorter-duration bonds should not be forgotten. Does this suggest that a 50/50 split between longer and shorter duration is best, or would you suggest some kind of uneven split for a retired-income investor looking for stability and reasonable growth? As a general strategy, would you also include some portion be allotted to convertible bonds?

Appreciate your insight.

Paul F.

Upvote 1

Read Answer Asked by Paul on September 23, 2024

• Fidelity Total Bond ETF (FBND)
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• Realty Income Corporation 6.000% Series A Cumulative Redeemable Preferred Stock (O.P)
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Q: Realty preferred shares are being redeemed so I have some funds to buy more safe income securities. I'm thinking a US GIC paying 4.35% (fully secured) or SGOV 5.22% secure with some fluctuation or FBND 4.77% not including fees. Where do you think the value lies.

Upvote 1

Read Answer Asked by Mark on September 23, 2024

• Hamilton U.S. T-Bill YIELD MAXIMIZER TM ETF (HBIL)
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Q: Hi, I see Hamilton ETF has brought a new covered call ETF HBIL. Other than it being brand new, and no history, and a bit on the small side with only $10 m in AUM, what are your thoughts on this as a replacement for our HISA's.
Thanks

Upvote 3

Read Answer Asked by Greg on September 23, 2024

• BMO Long Corporate Bond Index ETF (ZLC)
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• BMO Long Provincial Bond Index ETF (ZPL)
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• iShares Core Canadian Short Term Bond Index ETF (XSB)
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• iShares Core Canadian Long Term Bond Index ETF (XLB)
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• iShares U.S. IG Corporate Bond Index ETF (CAD-Hedged) (XIG)
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• BMO High Yield US Corporate Bond Index ETF (ZJK)
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Q: Looking to add some longer duration bonds with inflation and interest rates dropping. You think this is a good move. Already own lpay, zst and cbil and looking for diversification, any other suggestions are welcome.
Thanks and have a great day.

Upvote 2

Read Answer Asked by Sonny on September 19, 2024

Q: HBIL is new. etf Can you tell me the yield and how safe should it be for 10% of my portfolio? Thanks, James

Upvote 1

Read Answer Asked by JAMES on September 19, 2024

• Purpose High Interest Savings Fund (PSA)
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• High Interest Savings Account ETF (HISA)
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Q: Hi 5i,

I accumulate cash in my TFSA until I have enough to purchase a meaningful position in a stock. What are some good options you'd recommend for holding the cash in to generate interest while it accumulates?

Thanks for all you do -

Evan

Upvote 5

Read Answer Asked by Evan on September 18, 2024

Q: I wonder if you can tell me the yield on DYN6004, the ISA - F savings account/fund from Bank of Nova Scota Itrade.
Shortly I will have about $150K to park for 6 months inside an Itrade TFSA, and think this is where I should put it.
Any other suggestions for a 3 to 9 month 'parking' inside of Itrade TFSA (or could be taken out to non-registered acct) would be appreciated!
Thanks!
Paul

Upvote 2

Read Answer Asked by Paul on September 18, 2024

• RBC Target 2027 Canadian Corporate Bond Index ETF (RQP)
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Q: What do you think of the RBC Target Bond Index funds. These are designed to synthesize the return on a single bond for a specific year of maturity. Are they likely to be a good place to put some cash for the next year or two ?

Upvote 4

Read Answer Asked by Jim on September 18, 2024