Investment Q&A

Q: given current markets, what percentage of the above etf's would you hold for fixed income...thanks.

Q: I've got excess cash in my RRSP, waiting to be deployed in the event of a downturn. I'm thinking of converting some of it to bonds while I wait, so as to earn a bit more than a high interest savings account can offer. I was wondering if you could recommend a few ETFs for that purpose. The ideal bond ETFs would be safe, rapidly deployable to cash, with a decent yield and likely to become more attractive investments themselves in the event of a downturn. Thanks for any suggestions. If you could add a short note about what would be the main risk to those ETFs, I'd appreciate it.

Q: Hi Team,

I'm looking to park some cash in a no risk investment. Funds that are earmarked for use in 1-2 years. Where is my best return these days?

Thanks!

Q: Hi 5i:
For a first time investor with $25,000 to deploy and this is their only investments. What would your opinion be on the above etfs basically equally split between them. Time frame is long term and they would be in a TFSA.
Additional future investments would then be in individual stocks.
Thanks so much.

Q: Where would you place HFR on the "safety scale" as a place to hold emergency cash? Would it be equivalent to GIC? Cash could be needed next month, next year or never. Thx Ron

Q: Just sold my house and not planning to buy one within half a year. I am using part of the proceeds investing in 5i stocks. I want to park the rest of the money somewhere relatively safe for a quarter or half a year. Looking at XHY.to, CVD.to, CPD.to, even KWH_u.to, ALAr.to. A bank is giving you nothing. Please advice

Q: Just a comment. You recommend without caveat HFR as a short term hold for cash. This ETF does fluctuate and with just a 2.1% payout annually can negate this modest payout, just like any other equity. I held this for a year and broke even on distributions/capital gain but paid higher taxes on the distributions than the capital gain so overall lost on a full year hold. This is not for short term holds any more than BCE would be.

Q: Hi Guys,

Could you please suggest somewhere safe to park $300K cash that is sitting in a brokerage account.

Thanks
Dave

Q: I have $75,000 that I would like to invest. It’s money that I may need access to in 1-2 years if I buy a home. Can you provide recommendations on where to invest? Thank you.

Q: Within a fixed income portfolio, given the rising rate environment would you prefer HFR over CLF? HFR has a slightly lower yield but should have a better price response to higher rates than CLF...no? Thanks.

Q: Greetings Peter and 5i Team,
I have $100,000 to invest in the fixed income part of my portfolio. All investments will be inside a RRSP. As a retiree, I'm hoping for capital preservation, (safety) with a reasonable return on my investment. Currently, the only exposure I have to fixed income is ZPR. I'm considering adding the investments in your Income Fund (CVD, XHY), as well as HFR to my portfolio.
-Do you believe these investments will provide solid fixed income exposure?
-Do you see any way I can improve my exposure to the sector? i.e. is there any need for exposure to foreign bonds?
- What percentage of the $100,000 would you allocate to each ETF?
As always, thanks in advance for your appreciated support.

Q: Hello

I parked some cash in HFR, suppose interest rates go up will HFR be net down?

Thanks

Q: Good morning, 5i great team,

Am thinking of parking 100K in a bond ETF or GIC short term.
Can you provide a laddered bond ETF or GIC for 6 to 12 months?
Welcome your suggestions as well. No equity please.

Many thanks as usual. Rossana.

Q: I have recently raised cash in my portfolio and am wondering if you could suggest a good place to park it for some kind of return over an undetermined period of time. Are money market funds still my best bet?

Q: Good Morning: I have been raising my cash holdings somewhat in light of a prolonged bull market with high equity valuations and increasing geopolitical risk. I have some of this cash in HISA's with an average yield of about 1.7% or so. However, I am considering putting some of it into a bond etf since I don't feel I have the know how to successfully put together a ladder of actual bonds. What I would like your opinion on is what would be the best 2 or 3 options in Cdn. bond etfs for preservation of capital combined with optimal yield (recognizing that the two are almost always working in opposite directions.) Of course, if you have another option for parking cash, that would also be appreciated. (I do have some preferred share holdings but past experience has taught me that they are not immune to market corrections.) Many thanks.

Q: Hi, Is something like PMM or HHF (even if higher expense ratio) or other alternative EFT a viable substitute for Bonds as a portfolio diversifier? Thanks for the valued opinion.

Q: In Jan 26 response you mentioned cash like ETFs with a similar yield to High Interest Savings Account for short term savings of cash. Could you name a few?

Q: You were not enthused with this issue when it did an IPO on November 1,2016. Have you changed you view? If not what would you recommend as a good place to park cash.
The cash balance usually $100K would fluctuate; but would never go to Zero.

Thanks Team

Q: Will HFR be adversely effected by rising US interest rates.

Thank you,
Frank

Q: I have a note from you wrt to CPD so am aware of its rate reset properties - which should be positive in the anticipated rising rate environment. However, I have not followed prefs before and wondered how they might perform should we get a significantly negative equity market, and - additionally - whether the managed version might do significantly better in those circumstances. Appreciate your opinion. Thanks.