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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: With inflation in Canada edging up, and concerns that tarriffs are inflationary, is it a good time to move to shorter duration bonds? The counter is that if a recession hits interst rates may decrease. What is your take on the timing of all this, and how best to position a bond portfolio?
Read Answer Asked by Kel on March 20, 2025
Q: Canadian HISA accounts do not have such good yields anymore. And the income is taxed as interest. I was looking at my 2022, 2023 tax returns and the revenue from canadian ETF like ZAG, XSB, XLB was mostly ROC. If I’m not wrong, thus, much more tax efficient? Wouldn’t be a good idea to switch from HISA to XSB, XBB, etc to park money in the next few months?

Do you know if high-Yield ETFs are taxed the same way (ROC) ?
USD-HISA are more generous so the logic might be different.
Thanks.
Read Answer Asked by Denise on March 19, 2025
Q: I am interested on your view of these two types of investments in this period of volatile markets: one being preferred shares of FFH, the other relating to treasuries.
Would either be suitable at this time?
Would one be preferred over the other?
Would you have preferred suggestions?
Read Answer Asked by Catherine Ann on March 18, 2025
Q: I right now have 100,000 in cash (Canadian Dollars) that I want to keep in Money Market ETFs for the Short Term.

I have been trying to find the yield for all of the above and it is not easy because most of them show me the annualized yield. Interest rates have come down several times in the last year so the annual yield is not the best way to compare the above funds.

Which of the two funds above do you recommend, the reasons why and what is the current yield on it.

My brokerage account is with Questrade and they do not offer any of their own High Interest Savings Accounts like TD Direct Investing.

Thank You.
Read Answer Asked by ALNOOR on March 18, 2025
Q: For long term investment what would be a neutral proportion of bonds in terms of distribution among these 4 or are there better options? Currently sitting on 17% cash which I intend to redeploy in stocks when we have better clarity, 36% XBB, 26% XLB, 12% XHY and 9$ XSB for 100% of my bond/cash portfolio.
Thank you.
Yves
Read Answer Asked by Yves on March 18, 2025
Q: I am looking to add some income etfs that are looking attractive in this downturn to my RRSP. I'm looking for combined growth of 8-10% year over year for 10 years for this segment of my portfolio. Do you see either of the above as attractive in this way, or can you suggest something else? I could go to Cdn, but have most of my cash in USD right now.
Read Answer Asked by Kim on March 17, 2025
Q: I,m 81 so far i managed. pretty well thanks to your Income portfolio, I'm not a fat cat and rely on the income provided.The market tells me to be cautious the stocks I mention constitute 9% of my accounts,I'm willing to increase this percentage as protection to my income I don't expect obvious capital gain,How do you judge the approach,any suggested addition?

Thanks to the Team

Dan
Read Answer Asked by DANIEL on March 14, 2025
Q: Can you discuss the differences between dlr.i.ca, dlr.ca, hbil.ca , pas.ca , csav.ca in regards to safety of capital to park cash. There is a significant difference in return 4%-10%. Some are high interest savings accounts and others US dollar accounts. Are the US dollar accounts too risky?
Thanks.
Read Answer Asked by Brian on March 13, 2025
Q: Hello 5i team,
I currently have a balanced position in HBND in my TFSA for income (Using TFSA as an income source in general). Before HBND I used to have HYI as an asset class that used to track US high yield bonds, but was shut down last year. I have a few questions.

1)Is HBND an approximate substitute for HYI for this asset class?
2)Also HBND is not even a year old but do you have an idea of the NAV of the ETF?

HBND pays a decent amount monthly but I am not sure of the sustainability of the payout.


Thank You,
Andrew
Read Answer Asked by Andrew on March 11, 2025
Q: Anticipating a downturn in '25 I promised myself that I wouldn't ride the market down like I did in '22 so I bailed on most of my tech holdings, at least temporarily. I am looking to park the cash with the following criteria:

1. Immediate access i.e. no locked in GICs.
2. Highest reasonable yield
3. Modest volatility

What is your current view of the highest yielding Hamilton ETFs and can you recommend any competitors or other options?

Thank you
Read Answer Asked by Kim on March 10, 2025
Q: I'm trying to assess unit price movement of HYPYT under certain scenarios ..... I have HYPT not HYPT.U ......

1} The Bank of Canada reduces rates in response to Trump's tariffs. Tariff inflation cannot be battled with interest rate increases .....

2} The US Fed also reduces rates as raising them would have no affect on tariff inflation and a possible recession would be Powell's main concern ......

Please comment on my theory and what price action you would expect if I am correct ? Thanks for your terrific service ......
Read Answer Asked by Garth on March 10, 2025
Q: Dear 5i
If it's not too much to ask could you give me the most accurate yield that you possibly can on the above stated ETF's . It's very frustrating obtaining this information acurrately as different web sites give different numbers . If you were to rely on just one non prescription website what would that website be to obtain reasonably accurate yield information ? I'm sure you get tired of being asked this question on a fairly regular basis .
If you have other suggestion on similar like ETF's i would be all ears .
I also assume that all these ETF's are quite safe and that no more than 100K should be put into any one of them .
Thanks greatly
Bill C
Read Answer Asked by Bill on March 07, 2025
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