Investment Q&A

Q: I didn't get a distribution from QTIP this past month. Any reason why this bond ETF would skip a payment? It's not the first time they did that.

Q: Could you confirm what is happening with the price of long term U.S. treasuries?
I purchased HPYT in January for the high yield to fund my RIF withdrawals. I understand the inherent risks of the structure of HPYT and anticipated some volatility but a generally a flat to upward trajectory given the forecast of reducing interest rates. I know the timeframe is short but wanted to confirm that the reason for the slide in HYPTs price is long term treasury rate increases.
Do you still anticipate rate reductions in US treasuries?

Q: I want to keep a few thousand dollars for the short term in my US dollar Disnat RRSP account as well as in my unregistered account in US dollars. The return on cash in the accounts is 1.7% at the moment. This is pretty low. Can you suggest an ETF ? What are the pros and the cons? Is there a better way?

Q: Hi folks
When is the x divi date? And will it be the 9.75%?
Much thank

Q: Any estimate as to the degree of interest reduction when interest rates begin to fall for these 2 and would one be more resilient in this scenario? Thanx.

Q: Hi, does TD Direct trading Canada offer U.S. high interest savings accounts in addition to their Canadian offerings (eg. TD 8150, 8155). If so, what are the symbols. Thanks.

Q: Hi,

My partner I are doing financial planning, we will need a relatively significant (to us) amount of cash in the next 2-5 years for replacing aging cars and a down payment on a larger house.

I am always hesitant to hold cash/GICs for fear of missing out on growth opportunities. Currently, almost all the funds in our RRSPs and TFSA's are invested EXCEPT a long term GIC that came to term and is now sitting in cash (some in TFSA, some in Non-registered). We will need all this cash in the next 2-5 years.

I am looking for ideas on how to manage the cash.

Right now, the best option I can see is GICs with various terms, do you have any other suggestions or ideas to consider?

(we have already owned a house, so cannot use RRSP loan or the new FHSA)

Thanks

Q: What will likely happen to PSA and CASH as interest rates drop?

Q: Good morning, I’m looking to park some cash, both CAD and USD in a savings account ETF. What are your favorite, high yielding, ETF options? Thanks

Q: EVV has a daunting monthly-pay dividend that seems, at first glance, to be too-good-to-be-true. However, the dividend is comfortably less than the cash flow number. Is the dividend sustainable and can the security's price be expected to be reasonably positive in this environment?

Q: Where to park $ for 1 to 2 years looking for liquidity interest and safety. Recommendation? Thanx

Q: With the up coming US election in November and the pressure on the fed to cut rates. What are your thoughts on where the TLT will be in the latter part of this year and would that likely be the high for the TLT for the next 12 months?

Thanks.

Q: If interest rates are poised to come down, do you see an opportunity for some short to medium term gains with bonds? If so, would the sweet spot be with short, medium, or long term bonds? Are there any bond ETFs that you could suggest?

Q: I understand this is a new ETF issued by TD Asset Management. There is a little information on its website. I am interested in it as a short term cash management option. I could not determine the yield. If you look at the current holdings, it states over 90% is invested in other than Canada. In its top 10 it holds a number of Trusts and when you look into these they represent a range of money market investment options including car loans, credit card debt, etc. Though it states the risk is low, its holdings would seem to suggest otherwise. Firstly, can you compare TCSH yield with that of GICs or HISAs. Further, do you have an opinion of this ETF as a place to park money. If you prefer other like ETFs would you also state how you would rank them. Thank you.

Q: HSAV returned around 5% in the last year, if interest rates going forward do the inverse of last year, is it safe to assume the return of HSAV will also?

Q: I have some US cash I want to park but do not want to be tied into a term deposit. I have read recently about cash management etfs. Can you recommend these and if yes then which ones? What yield would one expect? David

Q: Some time back, you mentioned a cash ETF that does not ay a distribution until the position is sold. Do you have the ticker for this one? Would they payments eventually be taxed as capital gains or interest income

Q: Good morning,

I have a fairly large amount of money to invest for a short period of time ( 1 month ).

Can you please suggest a money market fund ( ETF ) with interest that pays daily?


Regards

S.Gilbert

Q: Sir: some people are suggesting that seeking high income vehicles yielding north of 8% might be a better way to go. The following have been mentioned: 1. Preferred Stock closed end funds 2. CEF connect 3. High yield bond closed end funds 4. Senior loan closed end funds. Do you agree? and how does one find a winner in each of the categories? In a recession, this makes sense to me..

Q: Hello 5i,
I would like to buy HSAV.ca for a 1 year hold but I’m concerned about the erosion of the .62% premium and
price in a declining rate environment. I appreciate your thoughts. Would you still consider it a buy. It seems to be the only tax efficient HSIA available in Canada so perhaps it will always maintain its demand. Thank you.
Brad