Investment Q&A

Q: hello 5i:
We hold the Pimco Monthly Income Fund as our sole Global Fixed Income contributor. We are not displeased with it, but wonder if you favour another ETF, or mutual fund, that could replace it, or complement it. We would probably expect at least a 4.5% distribution. Ideas?
thanks
Paul L

Q: For price appreciation in the next 12-24 months, would you prefer a long-term ETF like XLB/TLT or an ETF with shorter duration like XBB/ZAG. Or a bit of both?
Thanks.

Q: About a year ago I sold half of my holdings in ZAG and put the proceeds into XSB. I am now thinking of selling XSB and putting the proceeds back into ZAG. Just wanted your thoughts on this move. Thank You!

Q: Great October Market Report. I notice that in the 2008 and 2020 periods, job opening numbers began to decline only after higher rates had plateaued for a period of time. Today, job opening numbers have started to decline before higher rates have begun to plateau. Does this suggest the FED has gone too far to fast...and is poised, or could be forced, to quickly pivot? I'm just looking for a good reason to step into ZAG, or XBB for some decent yields and opportunities for capital growth. Thanks as always.

Q: What are your views on whether we see the FED pivot in the next month or so, and do you believe bonds will move up in price if that occurs. ZAG seems like a safe choice to play this move.

Q: How would you suggest a 70+ participate in this market,if at all?

Q: What are your thoughts on index funds and if you were to buy a few which ones would it be, following the Canadian and US exchanges?

Thanks

Q: I am 80 and I have 85 k in my TFSA . Iam looking to invest in Fix income . What would you suggest ?

Q: Could you kindly give me your view on the above two funds with respect to their yields and capital preservation going forward 1-2 years.
Thank you

Q: Hi team. About a year ago I sold out of ZAG and replaced it with ZST. This has worked well as ZAG dropped about 16% while ZST was relatively flat. I would have thought that with rates still rising, ZST would be a safer place to be but I have heard a number of recommendations on BNN and elsewhere that it is time to get back into longer term bonds. I have noticed that the share price of ZAG has been turning up recently. Is it time to switch back into ZAG?

Q: What would be safe bond ETFs with decent dividends for the next 2 or 3 years.

Q: Have losses on ZAG in a cash account. In your opinion, would selling ZAG and buying XFR (suggest a better one?) be a good move right now and pass the superficial loss test?
Many thanks.

Q: Many months ago, everybody and their brother was predicting interest rate increases, so I sold the bond funds in my RRSP (primarily ZAG) and bought short term bond funds like ZST and XFR. And for some fun /an experiment, I bought some TBF. I try not to time the equity market (as per your sage advice), but I could not resist with bonds (because it seemed like everyone was convinced about the interest rate direction). Good news is that TBF is up 22% YTD; and ZAG is down 13% YTD, but I do not understand why I do not hear anyone promoting TBF as a solution for this rising rate environment. What am I missing? Is there a liquidity risk for sellers when the rates start to flatten out; or is there a significant and quick price plunge risk; or...??? Thanks in advance for your comments.

Q: I am currently managing my TFSA/RRSP funds and some money outside of registered accounts, which are largely individual stocks. With the market volatility, potential recession and war in Ukraine, I am finding it more difficult to keep on top of the individual stocks and am therefore considering going to ETF's. I am a year away from retirement but would be ok with more risk in the TFSA/RRSP's.
Could you please suggest 5 ETF's for the registered accounts and 5 ETF's for the non-registered accounts.
Thank you,
Jacquie

Q: Hello 5i Team,

We recently settled my parents estate and the 3 sons (me included) received a fairly large transfer in the form of 5 ETFs including ZAG (9%), XEF (11%), XUS (3%), XIC (13%) and VFV (12%). This now represents almost half of the total portfolio whereas the remainder is invested in diverse stocks and some other ETFs mostly on your advice. I think you like ZAG for bonds but I’d like to ask if any of the other ETFs seem problematic to you or would you switch any with a similar focus? We also own some XQQ, WXM, IWO and VUN (all at about 2% each). Looking to retire in 10-15 years and with a pretty good risk tolerance.

Thank you for your help!

John

Q: Could you give me 7 diversified income etfs for 200000 rank them in order which ones you would pick up first etc. thanks

Q: What is your suggestion for bonds or a bond fund in this market climate? Thanks

Q: II am 14% in the hole with ZAG. Should I throw in the towel and add to a blue chip good paying dividend equity or just stay, Funds are not needed with a 5 to 10 year outlook. Value investor with a balanced portfolio in all 11 sectors age 76 with good pensions.
Stanley

Q: Hello Team.. As interest rates climb my strategy is to slowly buy into bond funds (now in cash).. maybe ZAG or XSH. For example at 3.48 % for ZAG, that's a reasonable dividend and the rate hikes have barely begun. My question is -although the unit price of the fund will decrease "is the payout stable or increasing" as maturing bonds are replaced at higher yields.Steady buying at lower unit prices (and higher dividend)could help kill the pain of the early buying-what do you think.( 71 year old income investor soon to be starting RIF withdrawals) Thank you yet again..best regards Gary

Q: Between January and March of last year (13-16 months ago) I sold my bond holdings in ZAG and CLF and moved the money into the short-term bond fund ZST. As a capital preservation strategy it limited the downside from rising interest rates. ZST is down 2%, while CLF is down 6% and ZAG 9%. I saw an analyst on BNN this morning recommend it is time to start easing back into longer term bonds. It feels a bit early to me. Won't the short term bond funds benefit first from rising rates while the longer term funds will continue to decline? If capital preservation and rate of return are weighted about 50/50, what do you think of moving back into longer term bond funds at this time and would you do it gradually?