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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: My wife has this mutual fund with a 2% MER, very little growth and a small dividend. Would you kindly suggest a couple of replacements (ETF or Index fund or Mutual fund) with a similar risk level and sector coverage but without the high MER.
Many thanks
Read Answer Asked by TOM on January 29, 2020
Q: Hi,
There are slim pickings for the retail corporate bond investor at the moment. I found a five year Ford Motor Credit bond with a BBB rating paying an effective yield of 3.55%.

Do you think the risk/return on this bond is reasonable? I am hesitant to buy it because of the history of the auto industry during recessions and the current state of personal debt in Canada.

Thank you. Michael
Read Answer Asked by Michael on January 27, 2020
Q: I currently have about 7 1/2 % of my RIF in bonds and would like to double that position - on the safer end . As a percent of total portfolio (Rif, non-Registered, TFSA) my holdings now are:
CBO <1%
CVD 1.1%
XHY 2.1%
ZAG 3.8%
Could you suggest what else to add or what adjustments to make to the above. Many thanks
Read Answer Asked by Alexandra on January 22, 2020
Q: I have just opened a TFSA account in $US. Can you recommend an ETF or other place, to park tbe money, for a few months, while I figure out what stocks I want to buy? Thank you.
Read Answer Asked by Grant on January 22, 2020
Q: Any recommendation on where to park cash short-term within a direct investing account? I like the sounds of PSA, but 'for business reasons' TD Waterhouse does not allow TD Direct Investing Clients to purchase PSA. Instead, they offer their own savings account which only pays 1.60% in comparison to the 2.15% paid by PSA. Any suggestions?
Read Answer Asked by Chris on January 21, 2020
Q: D you consider this a safe place for cash at this time? Would you recommend a better alternative?
Thanks.
Read Answer Asked by Lawrence on January 15, 2020
Q: Hello,
We inherited this F type fund after parting with our advisor. The BMO has so far kept it as such in our joint cash account. We own this fund since November 2017 and so far received $1236.30 in dividends and are $2500.00 down from our 30K. investment. I have a very basic idea of their long-short approach and I would like to ask your opinion if their modus operandi might be worth keeping and provide value during possible down markets.
Thank you and have a super day,
Kurt Baertsch
Read Answer Asked by Kurt on January 15, 2020
Q: hi there,

I have used FLOT to park US cash historically but i have been looking at SLQD in the US as it looks like it has outperformed FLOT and has a higher yield. Can you comment on the differences. Is there any reason i would not switch to SLQD (BTW this ticker does not come up in your drop down)
Read Answer Asked by kelly on January 15, 2020
Q: Hi,

What are your thoughts on PGI.UN? The MER looks like it's on the order of 4% which seems high. On the other hand, for a fixed income fund, the total return (after expenses) for the last few years seems decent.

I already hold XHY, CVD & XPF. Would you say PGI.UN is a good compliment to add to these or should I just add to these ETFs instead?

Thanks,

Gord
Read Answer Asked by Gordon on January 14, 2020
Q: I own a small amount of FSL for revenue. I think they invest mostly in the US. They merged recently with FSD, unknown to me. The stock didn’t do much in the last few years and is illiquid. There are some other ETF and funds dealing with « senior loans ». Could you explain what they are and if they are worthed for income/diversification purposes. I also own PSB (laddered) and XSB (short-term) on the canadian side. If appropriate, would you suggest something for income in the US to replace FSL, if possible a canadian-listed ETF or fund. Thanks.
Read Answer Asked by Denise on January 08, 2020
Q: Class F Capital Shares (the "Federation Capital Shares") . These are offered by caisse desjardins. We have some older "permanent" shares which Desjardins wants us to exchange for capital shares. I didnt buy these and i am not even sure what they are. They almost seem to be a kind of preferred share. Just wondering with your wide expertise whether you know exactly what these are. And more importantly, whether they are worth holding. I am thinking no.
Thankyou for any help and all the best in the new year
Read Answer Asked by joseph on January 08, 2020
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