skip to content
  1. Home
  2. >
  3. Investment Q&A
You can view 3 more answers this month. Sign up for a free trial for unlimited access.

Investment Q&A

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

Q: Hello, what do you think of something like VCSH to add to a fixed income portfolio that already owns US treasuries ? I am looking for stability with a bit of yield that will stabilize things. I am almost 60 and would like to take some risk off the table ? I am open to alternatives that are not specifically tied to the US govt.
Read Answer Asked by Robbie on December 02, 2025
Q: I am a 70 year-old value investor that is reluctant to invest further in what I believe is an over-valued market. Our new portfolio manager is recommending "Index deposit notes" offered by major Canadian banks. Can you please tell me more about these market-linked term deposits? I would prefer to wait for a market correction and then invest in equities, but the portfolio manager feels the market could continue to rise over the next few years. I am of the opinion we are looking at a significant recession in 2026.
Thanks!
Read Answer Asked by Grant on December 01, 2025
Q: I am looking at fixed income potential across sectors as a low risk offset to my equities and would appreciate your recommendations. It doesn’t look like the space has good future prospects overall with rates having just dropped.
Of notable options, high interest saving accounts, bond funds, utilities, dividend index’s and perhaps reits, the reits and dividend indexes have superior yields.
Could you please comment on the space overall, which sectors are advisable and possible suggestions for purchase please?
Read Answer Asked by Peter on November 26, 2025
Q: Please give your opinion on the following "F" series funds. Any comparatives would also be appreciated Deduct as many credits as necessary.

rgCF
LYZ801F5.cf
RCDB-NE
GIDY-T
PMIF-T
QTIP-NE
DXP-T
GOC703.CF

Thank you

Paul
Read Answer Asked by paul on November 26, 2025
Q: what is your opinion on TSCH-TD Cash Management ETF? Are there other options I should consider? I am considering putting some of my cash into this ETF- this cash is not required for at least 18 months so I would like to optimize returns. Thanks.
Read Answer Asked by John on November 21, 2025
Q: Greetings 5i,

I feel interest rates will be falling in the USA through next year. I am considering some bond plays that would provide some returns over this time. Can you elaborate on pros and cons of a position in TMF - Direxion Daily 20+ Year Treasury Bull 3X Shares.

Is there decay? What would it look like? What is the yield?

For an investor who feels a dovish fed will push down interest rates in the near future, are there any other strategies or products you would be interested elaborating on?

Cheers!
Read Answer Asked by Duane on November 18, 2025
Q: Hello Peter,

I hold CSU debentures in my income portfolio at a cost of 133 which are trading about 10% below my cost.
Would you prefer to hold them over the top 10 equities in the income portfolio? I generally prefer to have income investments with at least 3% dividend and a 3% growth above and over inflation.
Your comments are appreciated.
Regards
Rajiv
Read Answer Asked by Rajiv on November 17, 2025
Q: I have a GIC maturing shortly in my RIF. Would like to keep the funds in some type of income/reasonably secure investment, but am having trouble accepting current GIC rates. I have been looking at ZAG, but admit that PAYM has also caught my eye. Could you compare these two and comment on your preference and why (other suggestions are welcome). Also, any comment on where interest rates might be heading over the next or so.

Thank-you
Read Answer Asked by grant on November 07, 2025
Q: Why do you think the USA is offering double the rate on fixed income government bonds as Canada is?
Read Answer Asked by Graeme on November 06, 2025
Q: Hi, I am asking your thoughts on Ninepoint money market ETF NSAV.NE It does not appear to be in your library. How does it compare to HISA's and other money market funds?
Thanks
Read Answer Asked by Greg on November 04, 2025
Q: After going down for a couple of years , the price seems to be roughly flat the past year or so. Is it just the inflation rate that makes the share price more or less appealing to investors or do interest rates affect it too? What would you expect in the next couple of years if inflation stays flat and interest rates drop?
Read Answer Asked by Ian on October 30, 2025
Q: The price of HSAV is the same as 2.5 months ago and the premium shrunk to 0.14%, which seem to be extremely low considering the tax advantage of HSAV. Is it because there are a lot of sellers and nobody wants to keep money in cash these days? Does it have something to do with the CDN$? Or there are other reasons for such a poor performance of this fund lately?
Read Answer Asked by Andrew on October 28, 2025
Q: I had a representative from Sun Life approach me with the option of rolling my LIRA/RRIF money into an annuity, providing guaranteed, stable income for life. Would you suggest taking a portion of RRIF funds and putting it into an annuity, or instead relying on a combination of ETFs that provide dividend income and capital appreciation?
Read Answer Asked by Paul on October 28, 2025
Q: I am all equities in my RSP and RIF portfolio. Although a solid blue chip list of Cdn, US, some international, I would like to mitigate risk by adding one or two bond etf's (cdn dollar). These can be Canadian bonds or a combination NA and global. Please offer one or two...and are we looking at shorter duration or longer in light of current interest rate environment/future outlook. Ideally 4%+ yield
Read Answer Asked by Harry on October 27, 2025
Q: Hi,

Can you please comment on this fund and suggest any alternatives in the ETF world with similar exposure but perhaps lower fees? If a similar ETF exists, what would you recommend?

Thank you. Michael
Read Answer Asked by Michael on October 27, 2025
Q: Hi,

You have probably answered this before so apologies if you have.

In general, can you please briefly compare and contrast the following fixed income alternatives?

GICs
Directly held bonds (corporate or government)
Bond ETFs
Bond mutual funds

Thank you so much. Michael
Read Answer Asked by Michael on October 23, 2025
Looking for more? Sign up for a FREE 14 day trial! No credit card required

We invite you to sign up for a 14 day free trial of 5i Research!
Experience all the benefits and tools we have to offer; stock research, model portfolios, Q&A with our experts, and so much more. Join a community of like-minded investors today!