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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: Hello Peter and the 5i Team,

With China apparently selling vast amounts of US Treasuries, which in turn has caused yields to rise dramatically, resulting in a corresponding drop in price of this ETF, I'm concerned that an ETF like HPYT won't be able to mitigate the losses, even with its covered-call strategy. Since HPYT is scheduled to pay its distribution today, I'm patiently waiting to determine if my recent steep losses will be somewhat reduced by the distribution. I'm seriously considering getting out of HPYT entirely due to the unintended consequences.

Am I correct in my thinking? I don't have a lot of experience with ETFs of this type.

Thanks as always for your guidance.
Read Answer Asked by Jerry on April 10, 2025
Q: Hi 5i, in mid-December 2024 I trimmed my overweight Mag 7 holdings and put the cash into a US high interest savings account. I am now concerned about a decline in the US$. My question: should I be and if so, can you suggest some alternative holding/investment suggestions? Thanks!
Read Answer Asked by Martha on April 10, 2025
Q: Hi 5ireaearch
What do you think of seeing the ten year American treasuries hitting 4.5%?
Thank you for the excellent service during this time!
Read Answer Asked by Ahmed on April 09, 2025
Q: Could I get your opinion on "Structured Notes". Could you provide a basic description on how they work, as well the pros and cons. Are they suitable for the "average" retail investor? How are they purchased. I read columns by Martin Pelletier and he always recomennds them.

Thank You
Read Answer Asked by Reg on March 31, 2025
Q: Greetings 5i, what would be your primary concerns with buying corporate bonds issued by Home Equity Bank? Specific security is: CORP HMEQ 6.552 10/18/27 43739CAB7

Thank you.
Read Answer Asked by Barbara on March 27, 2025
Q: Hi there,

I'm evaluating the fixed income portion of my portfolio and am debating between a ladder GIC vs a HISA ETF. I understand GICs are locked in rates and HISA etfs are floating, but can you provide any insight as to the general historical differences in performance over historical time? In other words, say 100k split into 5 rungs of 20k vs 100k in a floating rate HISA etf - is there any difference in performance historically?

Thank you!
Read Answer Asked by Michael on March 27, 2025
Q: In the description of the ETF, it mentions the following: "The Fund will invest primarily in debt instruments of Canadian corporations that are not investment grade." -- I have difficulty reconciling the "not investment grade" with your previous comment "solid, fairly conservative ETF, especially considering we are entering a tarif war. What am I missing?

André
Read Answer Asked by André on March 27, 2025
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