Q: I have both CLF and ZAG in my bond portfolio. CLF continues to go up as interest rates come down. ZAG was doing the same until the last two days. Do you think the drop in ZAG is due to the industrial bond component and business credit risk? If there is fear that businesses will default on their bonds, it might be appropriate to take profits in this fund.
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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: Can you please give me your opinion of ZAG. For one's bond allocation in a portfolio, could this serve as a one stop option ? Thanks!
Just renewed my membership for another great year !! Thanks Gentlemen !!
Just renewed my membership for another great year !! Thanks Gentlemen !!
Q: Have you got any recommendations for GICs or bonds? These days one can get 2.45% in cash with EQ bank so I find it hard to get excited by fixed income.
- BMO Aggregate Bond Index ETF (ZAG)
- BMO Monthly Income ETF (ZMI)
- iShares Diversified Monthly Income ETF (XTR)
- iShares S&P/TSX Canadian Dividend Aristocrats Index ETF (CDZ)
- TD Diversified Monthly Income Fund - Investor Ser (TDB159)
Q: My wife has this mutual fund with a 2% MER, very little growth and a small dividend. Would you kindly suggest a couple of replacements (ETF or Index fund or Mutual fund) with a similar risk level and sector coverage but without the high MER.
Many thanks
Many thanks
- BMO Aggregate Bond Index ETF (ZAG)
- iShares 1-5 Year Laddered Corporate Bond Index ETF (CBO)
- iShares Convertible Bond Index ETF (CVD)
- iShares U.S. High Yield Bond Index ETF (CAD-Hedged) (XHY)
Q: I currently have about 7 1/2 % of my RIF in bonds and would like to double that position - on the safer end . As a percent of total portfolio (Rif, non-Registered, TFSA) my holdings now are:
CBO <1%
CVD 1.1%
XHY 2.1%
ZAG 3.8%
Could you suggest what else to add or what adjustments to make to the above. Many thanks
CBO <1%
CVD 1.1%
XHY 2.1%
ZAG 3.8%
Could you suggest what else to add or what adjustments to make to the above. Many thanks
- BMO Aggregate Bond Index ETF (ZAG)
- BMO Ultra Short-Term Bond ETF (ZST)
- iShares Core Canadian Universe Bond Index ETF (XBB)
- Purpose High Interest Savings Fund (PSA)
Q: I'm looking for a safe place for cash with a decent yield. This could be for several months or several years. How would you compare ZSH to PSA? Is one better than the other? With uncertainty over interest rates, do you have any recommendations for the fixed income portion of an investment portfolio?
Q: I am considering XBB for my RRSP. Would greatly appreciate your comments on this ETF and competitors. Thanks
- BMO Aggregate Bond Index ETF (ZAG)
- BMO Long Corporate Bond Index ETF (ZLC)
- iShares Core Canadian Long Term Bond Index ETF (XLB)
Q: Hi, I do not have any bonds or fixed income. Looking for one or two prospects to start, with about $50,000 to invest. Would like 3-4%+income. What are your views on the above, and of course any other you may suggest. Would like one size fits all if possible.
Also in a possible 30% downturn in the market , how much would a bond etf cushion the blow?
Thanks
Also in a possible 30% downturn in the market , how much would a bond etf cushion the blow?
Thanks
Q: Hi 5i,
For a 3 to 5 years hold which etf VSB or ZAG would you side with and why
Thanks
F
For a 3 to 5 years hold which etf VSB or ZAG would you side with and why
Thanks
F
- iShares S&P/TSX Canadian Preferred Share Index ETF (CPD)
- BMO Aggregate Bond Index ETF (ZAG)
- iShares Convertible Bond Index ETF (CVD)
- iShares U.S. High Yield Bond Index ETF (CAD-Hedged) (XHY)
Q: Hello,
I want to add fixed income to balance my portfolio and will hold it in a cash account. I'm targeting 15% fixed income with > 10 year hold.
1. Are the ETF's in the income portfolio appropriate? or should I have more concentration? Or a different selection?
2. If > one ETF do you have a weighting suggestion?
3. Will these be taxed as income or dividends?
Thanks!
Dave
I want to add fixed income to balance my portfolio and will hold it in a cash account. I'm targeting 15% fixed income with > 10 year hold.
1. Are the ETF's in the income portfolio appropriate? or should I have more concentration? Or a different selection?
2. If > one ETF do you have a weighting suggestion?
3. Will these be taxed as income or dividends?
Thanks!
Dave
- iShares S&P/TSX Global Gold Index ETF (XGD)
- BMO Aggregate Bond Index ETF (ZAG)
- BMO Equal Weight Global Gold Index ETF (ZGD)
- BMO Short Provincial Bond Index ETF (ZPS)
- iShares Core Canadian Corporate Bond Index ETF (XCB)
- iShares Gold Bullion ETF (CGL)
Q: Hello 5iResearch,
I have a couple requests:
1. Would you please send me your recommendations for two or three ETFs I could use for hedging against a recession/market correction but still get an annualized distribution yield of about 3%?
2. Could you please also let me know what your recommendation would be for a gold ETF?
Thank you,
Natasha
I have a couple requests:
1. Would you please send me your recommendations for two or three ETFs I could use for hedging against a recession/market correction but still get an annualized distribution yield of about 3%?
2. Could you please also let me know what your recommendation would be for a gold ETF?
Thank you,
Natasha
- BMO Aggregate Bond Index ETF (ZAG)
- BMO Short Corporate Bond Index ETF (ZCS)
- BMO Ultra Short-Term Bond ETF (ZST)
- Horizons Active Ultra-Short Term Investment Grade Bond ETF (HFR)
- iShares U.S. High Yield Fixed Income Index ETF (CAD-Hedged) (CHB)
Q: Hello 5i team, I am slowly reducing my exposure to equities for two reasons: position my portfolios ( US + CDN) for a possible recession or slowdown and also, I am 66 year old and my portfolios are 80% equities.
I have taken small positions to above bonds ETFs.. May I have your comments and also, would you recommend short/long or medium bonds and treasuries? As well, do you have other recommendations for someone my age? Thanks CR
I have taken small positions to above bonds ETFs.. May I have your comments and also, would you recommend short/long or medium bonds and treasuries? As well, do you have other recommendations for someone my age? Thanks CR
- BMO Aggregate Bond Index ETF (ZAG)
- iShares 1-5 Year Laddered Corporate Bond Index ETF (CBO)
- iShares Core Canadian Universe Bond Index ETF (XBB)
- iShares U.S. High Yield Bond Index ETF (CAD-Hedged) (XHY)
- Vanguard Canadian Aggregate Bond Index ETF (VAB)
- iShares Interest Rate Hedged High Yield Bond ETF (HYGH)
- PIMCO Monthly Income Fund (Canada) (PMIF)
Q: Hi
I am looking to add a bond etf to my portfolio. I am looking for something with a reasonable yield, that is defensive with some possible growth opportunities. Could you recommend the one that fits that those criterion or if you have a better choice, I would appreciate it. Thanks
I am looking to add a bond etf to my portfolio. I am looking for something with a reasonable yield, that is defensive with some possible growth opportunities. Could you recommend the one that fits that those criterion or if you have a better choice, I would appreciate it. Thanks
- BMO Aggregate Bond Index ETF (ZAG)
- iShares 1-5 Year Laddered Government Bond Index ETF (CLF)
- iShares Diversified Monthly Income ETF (XTR)
- iShares U.S. High Yield Bond Index ETF (CAD-Hedged) (XHY)
- iShares Interest Rate Hedged High Yield Bond ETF (HYGH)
- iShares 20+ Year Treasury Bond ETF (TLT)
Q: Working on the fixed income portion of my portfolio, thinking of the above plus IYLD all at 4.24% except ZAG at 6.36%.
Retired and looking for income, do I need to increase, decrease or eliminate any, or add something better?
Would all of these be best in RRSP?
Retired and looking for income, do I need to increase, decrease or eliminate any, or add something better?
Would all of these be best in RRSP?
- BMO Aggregate Bond Index ETF (ZAG)
- Horizons Active Preferred Share ETF (HPR)
- iShares 1-5 Year Laddered Government Bond Index ETF (CLF)
- iShares Core Canadian Short Term Corporate Bond Index ETF (XSH)
- iShares U.S. High Yield Bond Index ETF (CAD-Hedged) (XHY)
Q: I would appreciate your help in simplifying my RRIF fixed income portfolio. I am retired at 73, with about 55/45 equity/income split.primary aim is income and capital preservation. I hold positions in zag 10%, xsh 9%, clf 5%, pmif 5%, tlt 5%, xlb 3%, Xhy 2.5%, srln 2.5%, rbf 1340 4%, mdl240 23% and (sadly) preferreds HPR 3% vrp (US) 1.5% .the rest is cash type investments. I would like to switch the canadian PFD to all US: switch xlb for more TLT. I am gradually decreasing mdl240 which has to be withdrawn overtime for another more flexible short duration ETF. Keeping either xhy or srln which ever you feel would improve the porfolio. I would appreciate your thoughts of these etfs, and percentage allotments to them If there are better choices please share your insight. Please use the number of credits appropriate. Thanks very much Tom
Q: For my fixed income side of my portfolio I've just been keeping cash in a high interest savings account (Achieva Financial in Manitoba). It pays 2.3% interest. I just checked the yield to maturity of BND the US Vanguard bond ETF and it's 2.3%. The YTM for ZAG the Canadian BMO bond ETF is 2.2%. Hardly seems worth paying an MER and risking price fluctuations. What do you think, am I missing something here?
- BMO Aggregate Bond Index ETF (ZAG)
- iShares 1-5 Year Laddered Government Bond Index ETF (CLF)
- Vanguard Total Bond Market ETF (BND)
Q: Hi there
I am looking to invest 30% of my TFSA portfolio in a bond ETF . The remaining 70% are in dividend stocks (mainly in financial institutions). Would you please suggest what bonds ETF or any other fixed income option should I be considering? The goal is to protect my principal amount.
Thank you
I am looking to invest 30% of my TFSA portfolio in a bond ETF . The remaining 70% are in dividend stocks (mainly in financial institutions). Would you please suggest what bonds ETF or any other fixed income option should I be considering? The goal is to protect my principal amount.
Thank you
- BMO Aggregate Bond Index ETF (ZAG)
- iShares 1-5 Year Laddered Government Bond Index ETF (CLF)
- iShares Interest Rate Hedged High Yield Bond ETF (HYGH)
- iShares Floating Rate Bond ETF (FLOT)
Q: I am re-balancing our portfolio and find I am sitting on 30K cash which balances out my cash/fixed income portion of my portfolio. My question is what 3 or 4 fixed income or bond ETFs would you suggest I entertain dropping my cash into ?
Thanks,
John
Thanks,
John
Q: I am retired and looking to increase my fixed income assets with ZAG. For tax efficiency is it best to hold it in a RRSP or TFSA account? Any comment?
- BMO Aggregate Bond Index ETF (ZAG)
- BMO S&P 500 Index ETF (ZSP)
- iShares S&P/TSX 60 Index ETF (XIU)
- iShares Core MSCI EAFE ETF (IEFA)
Q: I was reading Norm Rothery's article on the "hot potato" portfolio strategy. As you know it involves investing in one of four etf's based on the previous year's best performance. The asset classes are Canadian Bond Index, S&P/TSX Composite Index, S&P 500 and MSVI EAGE Index. I have to do a little more research on this strategy but should I decide to allocate a small investment here, what 4 specific etf's would you recommend?
Dennis
Dennis