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Investment Q&A

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Q: Clarification, with respect to your answer re the guess for the next rate on these Debs. The way I understand it is as follows

The rate is calculated via 6.5 Pus or minus the rate of change in inflation, not the rate of inflation. Thus is the change of roi is 2% next march the interest rate on the debs would be 6,5-2=4.5

From csu ir news release:
This new interest rate is equal to the annual average percentage change in the “All-items Consumer Price Index” published by Statistics Canada during the 12 month period ending on December 31,


Read Answer Asked by Leon on August 19, 2024
Q: Which of the following ETFs has the biggest potential return if interest rates continue to go down: XCB XLB ZRE
Read Answer Asked by Robert on August 19, 2024
Q: I am wondering what the best GIC rate is currently? And what institution is offering best rate?
Thx
Read Answer Asked by Frank on August 14, 2024
Q: Hi group ...Can you explain the difference between private equity and private credit. Also how to patriciate in this sector and what is your top 3 picks to start positions?...Thanks for your help
Read Answer Asked by Terence on August 13, 2024
Q: Good day,

I am selling some positions and want build up cash. I have put it into TDB2914 Premium MMF at 4.52%. Is there any bettter options? How about a bond ETF?

Thanks,
George
Read Answer Asked by George on August 12, 2024
Q: I’m looking to diversify the fixed income portion of my portfolio. I don’t have any bonds/treasuries so was looking at TLT and XLB. Can I get your thoughts on these and others you could recommend?
Read Answer Asked by Dan on August 07, 2024
Q: 2 questions:
In a taxable account what would you suggest to play the role of Bonds if any? I need to beef up my bonds allocation and need to keep cash and cash equivalent in my taxable account where I have new funds.

For a young retiree with a comfortable portfolio what percentage would you allocate to cash and bonds? Volatility is not a problem for me with a long term view.

Thank you
Yves
Read Answer Asked by Yves on August 06, 2024
Q: What is a decent high-interest ETF that trades in the US? Also, are there any where the returns are capital gains instead of interest?

Thanks.
Read Answer Asked by Alan on August 06, 2024
Q: Hello 5i Team

For the reader asking for US$ denominated money market funds at RBC Direct Investing - suggestions are:

RBF2014 a US$ investment savings account with Royal Bank of Canada ($100k CDIC insurance) - trades as a mutual fund but no commission. Interest rate is competitive (4.90 %)

Any of the TSX listed US cash etf listed - RBCD charges $9.95 per buy or sell - as long as buying/selling greater than $1,000 the percentage charged is cheaper than the mutual fund charge (1 % to max $50).

Thanks
Read Answer Asked by Stephen on August 02, 2024
Q: Can any reader suggest a US Money Market Fund I can use at RBC Invest Direct without having to pay the $50 commission they want to charge me.

At TD I use Cnd and US $ MMF without any charges.
Read Answer Asked by Nigel on August 01, 2024
Q: I am holding a lot of cash in anticipation of buying a condo in the next 6 months. My main concern is capital preservation. What is safer: short term bonds or HISAs? Assuming a significant decrease in interest rates during the next 6-8 months, would short term bonds offer a greater total return than HISAs?
Thanks!
Read Answer Asked by Grant on July 30, 2024
Q: I have these bond funds: PGF510, CVC, ZAG, XLB, along with mostly GIC's in my fixed income side of portfolio. Do these Bond funds pay interest the same as the GIC's or do they pay Dividends so I would get the Dividend Tax credit? All are in my margin account. Would any of these be worth adding to now that they have gone up somewhat? Thanks so much!
Read Answer Asked by Pat on July 30, 2024
Q: For a long term investor with a focus on dividend paying companies or fund/ETF's are fixed income types appropriate for a T.F.S.A.? If so can you suggest 2-3 fixed income products?

Thank you- Jim
Read Answer Asked by James on July 26, 2024
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