Investment Q&A

Q: I know 5i doesn't like to give portfolio weighting advice so I will approach this is a different way ..... Hypothetical situation . YOU have a RRIF with no fixed income component. You have chosen HPYT to represent that sector . You would be comfortable between "X" and no more than "Y" weighting of HPYT ..... Please solve the equation and provide a value for X and Y ? .... Thanks for your terrific service .....

Q: Hello I am 72 and fully invested in CDN and US equities. I am concerned about a bear market or a correction, and would like to reduce my equity risk.
Say for $250K , how would you invest between CASH, T-Bills, GIC, Bond ETF?
What are you suggestions?
Thanks
Carlo

Q: Hello,
I have a question about adding fixed income to a portfolio.
My registered portfolio is all equities, mostly large cap dividend payers and some growthier names thanks to 5i, reasonably well diversified, a little heavy on financials.
I am happy with the results and will be relying on it as my main source of retirement income in about 5 years.
I am thinking it is time to gradually add some fixed income, to decrease volatility somewhat and increase predictability, targeting a 70/30 equity/fixed income split over time.
Would like to keep it simple with ideally 2 ETFs, was thinking XBB or ZAG plus something else.
I see that the Canadian Money Saver portfolio uses XBB, CBO, CPD and XHY for fixed income.
What would you pair with XBB/ZAG in this scenario?
Is a US fixed income component a good idea?
What do you think of combining a passive bond universe ETF with an actively managed ETF/fund?

Thanks as always.

Q: Hi 5i,
What's your best choice for an ETF to park some money in a safe place that will get better returns than a high interest savings account. Previously I had some in the ETF CASH but I understand that some governmental changes have resulted in these types of ETFs delivering lower return than previously.
Thanks!
Murray

Q: Can I get your thought on DLR/DLR.U vs. SGOV or BIL for parking $300K in US cash for a 4 months period? The yields are very close and additional consideration for DLR/DLR.U is that the distributions are paid every 3 months, so the holdings can be sold prior to ex-dividend date to get capital gains instead of income.

Q: Hello Team, I am currently sitting on cash in my FHSA, I would most likely be looking to use these funds in the next 5 years. What is your recommendation?

Q: Based on the current market situation, what level of cash would be apropriate to have ?, and if wait and see it is the best approach now , what is the best parking place for cash ?

Q: Looking for a place to park a large part (500k) of a 90 year olds networth not wanting any income but hopefully a capitol gain even or better with the rate of inflation at the time of selling.

Q: Hi, I want to park some USD in a US bond ETF that is super safe. Right now I have it in RBC RBF2014 and it is getting 3.9%. If I could get a better rate and it is really safe could you recommend something better?

Q: I wish to build a 3 year cash reserve to cover market fluctuations in retirement. Looking for liquidity and safety, and ease of use. I am considering HISA, money market funds, GIC's or Bonds ?
My account is at Investorline so would have to be available through them. Are any of these preferable or do you have other suggestions?

Q: Hi 5i team,

I would like to park some cash for about one year, which is better and safer ZST or BPF.UN ? Is there any better option other then these two?

Thanks,
George

Q: Can you recommend 2 or 3 Canadian and US bond ETF's (or any other fixed income) that have higher yields (5+%)?

Q: I am seeing higher yields on HISA ETFs vs bond ETFs. Is this right? If so--it seems like unless you want to bet on bonds going up, HISAs are the better option right now for conservative money. What do you think?

Q: Could you share the significance of their recently secured $500MM in debt and how this may impact the stock price.
Appreciate all your hard work. Ted.

Q: Hi Peter and Team,

The last question referencing HBIG was on April 16, 2024. Please provide your current assessment. Thanks as always for your insight.

Q: Hi, I am wondering about either of these as places to park some US cash for a while. Given the uncertainty in the US, would this be a wise choice? If so, which is preferable and if not, what other ETFs would you suggest? Thank you for all your good work!

Q: ZAG holds more than 70% in government bonds (federal, provincial and municipal). Is there a similar American Aggregate Bond Index ETF listed in US?
Thanks!

Q: With the threat of inflation moving back up, would you find a place for either of these funds in a portfolio today? Thanks, great service.

Q: Most of my fixed income part of portfolio is invested in TDB8152. Would you recommend any other fixed income product that will be better suited (stability and income). I have looked into TBIL, UCSH and STIP.

Q: I am looking to invest in these 4 names for my father after he sold his house. He is 92 so I would like something as 'risk-free' as possible, just income needed. Thinking 100k for each, just wondering about any risks involved aside from interest rate risk and inflation risk.
Thanks!
Scott