Investment Q&A

Q: Good day 5i team: recently I have increasd my weight in ZST .and have felt that in the when not if correction ensuse think it may offer reasonable downside protection.can you advise on any alternative that might be better not counting high interest savings. Tks and all the best Larry

Q: Could I please have your opinion of this ETF as part of a fixed income portfolio.
Thank You
Gerry

Q: I am looking to hold some cash for 6-12 months. My broker - RBC Direct Investing - does not allow me to purchase PSA or CSAV. Would you consider HFR to be reasonably safe, or do you have another suggestion? I am somewhat reluctant to change brokers, but maybe I should.

Q: For safety of income and income, what would be your preference between XUT and a bond ETF? Thanks, Bill

Q: Good morning,
How would the drop in US interest rates effect this Canadian ETF and would this ETF be a good add to my existing XBB VAB for long term stability in an RRSP. I am retired and mostly follow the Conservative ETF portfolio from ETF and Mutual Fund 5i

Thanks
Carl

Q: Ray Dalio and David Rosenberg to opinions i highly respect sure paint a gloomy picture of the next 10-20 years.
Rays suggested Portfolio weightings 7.5% Gold 7.5% other Commodities, 40% Long term bonds and 15% Intermediate bonds 30% stocks and 7.5% other.
My question is on Bonds, Specifically Govt treasuries , this would be the TLT correct?
and wouldn't Govt treasuries be seen as much safer than say the XLB which are municipal bonds, I have heard some fund managers on BNN say they wouldn't touch an Ontario provincial bond because of the provinces Debt. So that being said is there a version of the TLT that is available for me to buy?
Thanks Gord

Q: Can i have your opinion on this ETF please, also if you can tell me the yield. Do you think this will outperform a GIC over 3 years ?
Thanks Gord

Q: how do exchange traded bonds work? do they pay interest semi annually? do they have a maturity date? do they have a credit rating? do you like the ag growth issue or the Cargojet issue? thanks for your input Richard

Q: Peter,

Is the rate reset spread on preferreds only good until the reset date? If so, do companies tend to renew at a similar spread or can it vary greatly?

Thank you

Paul

Q: Hello,

A recent answer mentioned no-fee GIC's. I'm puzzled. We have several GIC's and with various companies. The yearly statements we now get from our advisor (statements that are supposed to be more transparent about fees) says every one pays a fee to our advisor. The GIC rates are net of these fees of course but, in my opinion, these are fees and all are pretty big percentages when compared against the net GIC pay-out. Your thoughts? Thanks.

Q: Good afternoon - Our collective family portfolio ( wife and I, retired) is roughly 40% fixed income comprised solely of GICs and Pref Shares. Our pref shares are with solid companies but given the lack of appetite for PShares the total value has been slowly deteriorating. This is something you have commented on in recent months and I’m wondering if and when we should bail and if we do, where then do we invest the proceed? Thanks

Q: As I mentioned earlier I have held 1800 units PSB in a corporate account since 2013 - 6 years. I failed to mention that I am paying management fees of 1%. I require a fixed income fund for this portfolio. Would appreciate any suggestions you have. Does this fund have a MER?

Q: Hello,
I purchased this fund in 2013. Holding it in a corporate account.
Annual income is in the range of $1000.
How is this taxed?
Don't need the cash, however is this a sell?

Q: I own these shares in my well diversified portfolio and would like to increase my position . What is your
opinion of this Fund?

Q: I am bit lost with bond market performance. XLB NAV has gone up by 10% YTD. TLT also up by 10%. As bond yields go up with interest rate peaking the price will come down. Will the total return still be significant if the NAV comes down by 10% or more in next several years. My experience with some of the other bond funds I held previously generated negative total returns after holding them for many years.

Thanks
Ninad

Q: Hi Team,

Under current market/economic conditions with interest rate background would you prefer short term or long term bonds and what is recommendation for CDN and US markets.

Thanks
Ninad

Q: Can I have your analysis of this etf as a way to add diversity to fixed income?

Q: I have some cash that I want to park for 6 months or so with the ability to withdraw
some when needed. Can you recommend something?
Thank You
Peter

Q: Retired income oriented long term (10 year focus) investor.
Already own CPD, CVD and XPF.

In the process of rebalancing asset allocations with the objective of increasing fixed income, and given the current interest rate environment can a case be made for buying one or all of these stocks? Why or why not?

Any other thoughts also appreciated.

Thanks.

Q: I have a philosophical question on bond allocations in a portfolio. Simply put, why would anyone put money in bonds or bond funds in the current interest rate environment. A high bond allocation made sense in the 70's and 80's but for the last many years the returns have been very small. I realize that the bonds won't fall in a recession, but is that worth the high lost opportunity cost compared to say, holding banks or utilities. What bothers me is the almost universal acceptance by advisors that a bond allocation is mandatory. As a nerdy engineer I get suspicious when ideas are presented as fact with minimal apparent logic. I can see why bonds are somewhat attractive to advisors as the low volatility keeps clients less "edgy" but is it really the best long term strategy under the current conditions. I am in the fortunate position that I do not need to make large withdrawals and I can usually plan ahead. Why would I need bonds?