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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: Canada's interest rate has dropped, and bank GIC and HISA rates have followed suit. The ZLC BMO Long Corporate Bond ETF is offering a 4.83% return. Can this investment completely replace my HISA or GIC? I've previously invested a significant amount in ZLC, and with the recent dip in price, I'm considering continuing to buy more to replace my GIC and HISA ETF. I suspect this might be the last opportunity to buy bonds at a low price. I'd appreciate your insights. Thanks.
Read Answer Asked by Esther on August 22, 2025
Q: Looking to add some longer duration bonds with inflation and interest rates dropping. You think this is a good move. Already own lpay, zst and cbil and looking for diversification, any other suggestions are welcome.
Thanks and have a great day.
Read Answer Asked by Sonny on September 19, 2024
Q: Can I have your thoughts about these stocks and ETF’s for someone with a 3 to 5 year timeframe and who is in their mid 30’s?

Thanks
Read Answer Asked by David M. on February 07, 2022
Q: Hi,

What are your thoughts about my current portfolio? I am also looking at adding ZRE.TO and ZWC.TO.

Appreciate your help.
Read Answer Asked by David M. on January 27, 2022
Q: There were a couple of questions today on BMO's ZCS. Both your replies suggested not too much concern holding the short term corporates over a longer period of time. Do you have differing thoughts on ZCM and ZLC? BBB rated bonds in ZCS, ZCM, ZLC are 36%, 58%, and 39% respectively.

Also of note all three seem to have a large discount to NAV. Yesterday between 4.3 to 5.5% (ZLC being the highest). Not sure that is normal, or not, as I don't look that closely and BMO doesn't appear to post the info.

Thanks
Read Answer Asked on March 16, 2020
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
Read Answer Asked by Brad on January 13, 2020
Q: With the possibility of a pending recession in the next year, would you recommend selling one of the following bond funds: ZLC, XBB and ZHY?
Read Answer Asked by Danny on September 23, 2019
Q: Please rate these as BUY; HOLD; or IGNORE. My purpose, of course, is market down turn protection.
Read Answer Asked by Terry on August 26, 2019
Q: Hi Peter,
These long bond etf (ZLC, XLB, ZFL) have done very well with YTD total return of 10.48, 10.35 and 8.91 respectively
Why have they done so well?
Is it too late to consider them for RRIF income investment going forward? If so, which one do you recommend, thanks
Read Answer Asked by Karl on November 10, 2016
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