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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: Just wondering about the suitability of Fidelity’s Global Bond ETF (FCGB-T) for foreign fixed income exposure? There had been a question before about VGAB which I think is smaller, newer, and less indicated yield. Any thoughts would be appreciated. Thanks,
Read Answer Asked by Stephen R. on December 17, 2020
Q: Rightly or wrongly, I believe a market downturn is coming with negative rates a possibility. I have raised cash by selling many of my equities. I'm not confident in the health of the corporate bond market but was wondering if you can suggest a government bond fund/ETF (US and/or Canadian government) or other government fixed income strategy that may benefit from negative rates?
Read Answer Asked by Neelesh on December 16, 2020
Q: Dear 5i Team,
After the recent great run up in equities you had graded highly(thank you), I’d like to move some profits to fixed income to keep close to the 40% FI.

What type of fixed income you think is most undervalued lately? Any ETFs on Canadian or US markets, any geography, graded from lower to higher risk.

Regards,

Carl van Rossum
Read Answer Asked by Carl on December 15, 2020
Q: Hi, the GICs of smaller banks through TD direct investing such as Equitable, Home Equity and PC Bank offer much better rates than the big 5 and insurco banks. I know they are CDIC insured up to $100k but would still like to invest knowing they are decent and relatively secure companies. Could you comment on or rank the 3 mentioned in this regard and any you would pass on, Thanks
Read Answer Asked by Gary on December 11, 2020
Q: Hi, I'm 100% equities and when holding cash waiting for opportunities I've been parking it in PSA. With the yield so low now, do you have a few other suggestions for almost cash like bond ETF's that have low risk/volatility and low MER and have a higher yield (~2-3%)? Usually hold less than 5% cash in my portfolio and holding period <6months. I was looking at the Vanguard or iShares ETFs for options. Thanks!
Read Answer Asked by Keith on December 10, 2020
Q: I am looking for a safe haven for cash. ZTL bond ETF appears to do well in a market downturn. Your opinion on it, and any other suggestions?
Read Answer Asked by James on December 03, 2020
Q: I had a GIC come due last week in my RRIF, which is managed by an advisor.
They advised buying a bond fund, Dynamic Edge Conservative Class A, MER is 1.89%. What do you think about this fund, it is a fund of funds?
What would you suggest ( for a senior) as an alternative. The amount $30,000.00. The GIC rate is about 1%.
I value your opinion.
Shirley
I really value your advice, as I am a senior
Read Answer Asked by Shirley on December 02, 2020
Q: I intend to increase the "very safe part" of my portfolios with fixed income ETFs, is a mix of corporate and government bond ETF a good choice with this objective or any other suggestion ? I suppose that longer term bond ETF would be more risky if rates do increase ?
Read Answer Asked by Jean-Yves on November 27, 2020
Q: If I wanted to park some money for a month or so, what would you recommend.
Thanks so much for your insights.
Read Answer Asked by JAMES on November 25, 2020
Q: Good morning
there has been several questions at various times regarding parking money for short periods example 3 months or less
most times you suggest GICs or PSA or high interest accounts
would a short term money market fund be appropriate and if so can you suggest some with liquidity on a daily basis
What are the risks of such funds
the intent is to have this money available for purchasing stocks at short notice
If not any other ideas would be welcome
Thanks
Read Answer Asked by Indra on November 23, 2020
Q: Could you share your thoughts on including Van Eck's ETF - China Bonds (CBON) as part of my 40% allocation in a US portfolio.
Read Answer Asked by Ted on November 16, 2020
Q: Oaken financial is giving 1.6% on a GIC for 18 months.Is this too good to be true.
What do you think of this,even with FDIC insurance.
What is the difference between home bank and home trust?
Thanks you
Read Answer Asked by Josh on November 12, 2020
Q: What are your thoughts on treasury bonds?
Who sells them?
Read Answer Asked by Lorraine on November 04, 2020
Q: Hi 5i team,
What do you think of GIC Simple which is an Ontario online GIC broker? They offer access to GICs from different financial institutions, and allow account holders to set up a GIC portfolio that is fully insured. Is GIC Simple a viable option for those who want a better return on the cash portion of their portfolio? Is there a downside to using this service?
Thanks for your valued opinion on this particular subject.
Read Answer Asked by Michel L on November 02, 2020
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