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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: Thanks for answering my question regarding Premum/Discount for TCSH canadian money market ETF. In your answer you stated "Indicated Yield" of 2.63%. I looked at the TD web site and could not find this metric. Can you tell me where I can find this important metric as well as help explain what "Indicated Yield" means? TD only provides current yield to maturity on their web site. Many thanks.
Read Answer Asked by Ian on December 16, 2025
Q: TCSH ETF is classified as a money market product. I understand that the NAV will usually increase until the monthly distribution near the end of the month. What I don't understand is why this ETF always seems to trade at a price much higher than the actual NAV. I thought all money market ETF's would trade very close to NAV price.
Read Answer Asked by Ian on December 16, 2025
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