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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: A couple questions on ZST. Deduct credits as needed.

Assuming this etf is held in a taxable account but the payout is taken in cash and not reinvested, will it make for a headache at tax time?Would HSAV be a better place to park cash in a taxable account?

It looks like every time this etf pays a distribution the price drops so even though the current yield is 2.17%, in reality you're only getting ~.5% return. Do I have this correct?

Thanks
Read Answer Asked by Dennis on August 23, 2021
Q: Hello, could you please provide some of your favourite ETF's to fill the fixed income portion of a portfolio?

What about cash?
Read Answer Asked by Lorraine on July 22, 2021
Q: In my balanced cash account I hold CBH as the fixed income portion and while I thought the laddered approach would be beneficial, it has not performed well over the past years. After reading about Real Bond ETF's, I am wondering if I should replace my CBH with a real bond ETF (either XRB or ZRR) for the next few years. What do you think of that strategy? FYI, I also hold XBB in my RSP.
Read Answer Asked by Joseph on July 16, 2021
Q: In a flat or a rising interest rate environment which ETF is preferable i.e XHY, PFIA, MFT, ZHY OR PYF?

Thanks for your service!
Read Answer Asked by Ozzie on July 12, 2021
Q: Thanks for the great work in educating and helping us. Currently I have no exposure to Debt and all Investment is in Equity Stock or Pref. I was trying to use Preference shares as a proxy for Bond. Is that a wise strategy? Want to move some fund to Bonds/Debentures. With a long term view of 10 + years in a registered account can you recommend 2 bonds and 2 ETFs. Thanks
Read Answer Asked by Nimish on July 08, 2021
Q: Within my fixed income allotment I've recently favored short term bonds over long term bonds on the advice that they will react less to changes in interest rates. However, since the Fed's meeting last week the opposite has occurred, as there has been a flight from short term bonds into long term bonds. Can you please explain why this is the case and then, given the current environment could you also rank the above ETF's in order of preference. If there are better fixed income suggestions please indicate. Thanks.
Read Answer Asked by Curtis on June 21, 2021
Q: About 25% of my portfolio is in cash, enough for 5 years of cash needs. The problem is that it earns only 0.2%. Now I am thinking of putting this cash in 5 or more high quality Bond ETFs. Is this a right move? If so, could you give few names? Thanks.
Read Answer Asked by Sudhir on June 11, 2021
Q: Hello,
I am nearing retirement. I have CBO, CPD, VAB and XHY at 20% of my fixed income portfolio. All these ETF's exist in my unregistered account. I wanted to add XBB in my RRSP account. Any concerns about too much overlap by adding this position? This will add 7% to my fixed income position. Portfolio analytics recommends a 30% position.

Thanks for all your help.
Read Answer Asked by Mauro on June 02, 2021
Q: I love investing in the market but was curious about what vehicle you guys would park cash in a TFSA account if you had to. GIC? Money market? Those are the only ideas I have but maybe you could educate me on other choices pros and cons. Thanks.
Read Answer Asked by James on May 13, 2021
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