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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: 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
Q: What ETF would you recommend for a US dollar TFSA that would similar to VUSB?
My understanding is any US interest earned in a non registered account has a 15% withholding tax.
Read Answer Asked by Brian on October 20, 2025
Q: Greetings 5i, I am concerned about the current outlook for preferred shares, say 1 - 3 year horizon. What is your opinion on a switch from preferreds to short - mid term bond etfs over this time period? Thank you.
Read Answer Asked by Barbara on October 20, 2025
Q: Generally speaking, within one's bond portfolio what percentages of the portfolio would you allocate to the three ETF's mentioned.
Read Answer Asked by Joe on October 17, 2025
Q: I have been trimming a few positions in my TFSA as they've gone up quite high and now I have $40,000 USD and $4000 cad. I've been waiting to buy certain stocks on the dip and will DCA some of these funds into market but I was thinking I should put it in some type of interest receiving liquid option in the meantime. What you you recommend? I was thinking Cash.to for canadian dollars? SGOV for USD? I believe Sgov would trigger that 15% dividend withholding tax in the tfsa but it's better than swapping to cad and back to usd cuz my instituation charges i think 1.5% each time. Are there any other options you would recommend? for liquidity I can sell and have access same/ next day? thnks!
Read Answer Asked by Danielle on October 07, 2025
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