Investment Q&A

Q: Hi,

In my RESP's fixed income/cash allocation, I hold CMR, CBO and HFR.

With a rising rate environment I'm thinking of switching the CBO share into HFR (although the laddered aspect of CBO mitigates problems a bit). And with CMR stopping their distributions, I thought of switching out of that too. Does this logic make sense or would you prefer having both CBO and HFR for diversification purposes? Thanks!

Q: As a follow up to my question on fixed income, would you suggest I hold both XBB and CBO or pick one and if so, which one please? Similarly, hold both SHY and TLT or choose one and which one?

Thanks.

Q: Please take as many credits as required. I have created a fixed income portion for my portfolio. Please take a look at it and pick it apart for me. I'm looking for capital preservation and even with this diversification, it's taking a beating in certain areas and markets. Would you remove or add anything? Thanks.
Name/Currency/Symbol/Percentage
BMO PREM YIELD ETF / CAD / ZPAY / 10%
DYNAMIC ACTIVE U S DIVID / CAD / DXU / 5%
DYNAMIC ACTIVE TACTICAL BD / CAD DXB / 5%
DESJARDINS ALT LONG.SHORT / CAD / DANC / 10%
DYNAMIC ACTIVE / CAD / DXW / 5%
FIDELITY GBL CORE PLUS BD / CAD / FCGB / 10%
ISHARES 20 PLUS YEAR TREASURY / USD / TLT / 10%
ISHARES TRUST / USD / SHY / 10%
ISHARES 1-5 YR LADDERED / CAD / CBO / 5%
ISHARES CANADIAN UNIVERSE / CAD / XBB / 5%
PENDER CORPORATE BOND FUND / CAD / PGF550 / 10%
PICTON MAHONEY FORTIFIED / CAD / PFIA / 10%
VANGUARD TOTAL INTERNATIONAL / USD / BNDX / 5%

Q: Hi!

I used to own these ETFs for my fixed income exposure. I went to 0% fixed income during the downturn last year, instead using the proceeds to buy stocks that were crushed. I'd like to slowly start to build a position again in my RRSP. Am I too early? It seems like rates have started to rise and where they go is anyone's guess, but if bonds have an inverse relationship to rising rates, aren't I setting myself up to lose money? Does a laddered approach negate that somewhat? Maybe its best to start with CBO since its Corporate credit and laddered? How would you rank these in general and in order of which I should accumulate first. I realize XHY is riskier than the others.

Thanks,
Jason

Q: As a follow up to my earlier question, where in you mentioned "if the focus is on bonds....", last line. I am looking for opportunities in fixed income investments. So where should the focus be, other than fixed deposits . Thanks for the excellent advice you have consistently provided over the years.

Q: I need some fixed income suggestions for my RRSP. Anything you particularly like at this time? I know its fixed income but I do have some risk tolerance and a 17 year investment horizon so open to something that pays more than .0000012% interest. Appreciate your thoughts :)

As always.. amazing job team!

Q: I have allocated 20%-25% of my portfolio to Fixed Income. Would XBB and CBO be sufficient to cover the fixed income component? (say 50-50).

Thanks again for the great advice as always!

Q: Do bonds rise when interest rates rise? If so, can you recommend a few dividend paying bond funds for a RRIF.

Q: Hi, I currently don't have any bonds and would like 2 etf's you recommend to start with for fixed income. Currently a few years from retirement.
Thanks for all the help!

Q: I intend to increase the "very safe part" of my portfolios with fixed income ETFs, is a mix of corporate and government bond ETF a good choice with this objective or any other suggestion ? I suppose that longer term bond ETF would be more risky if rates do increase ?

Q: I have a taxable corp account, 94% equities,(28% US, 6% cash. Just read an article that bonds even at 0% expected return would help off set losses in this and upcoming volatile market, even though interest would be fully taxed.
Would you suggest;
1. sell some winners or tax loss some losers and buy a bond fund, ?CLF. ?CBO-or another one you might recommend. What weight percentage would you suggest?
2. use the cash to buy the same bond fund or a combo of the above two or your alternative
3. buy a preferred corporate share or shares? suggestions or preferred ETF ?HPR or another suggestion
4. Would you suggest a US Bond fund, ?suggestion
5. do nothing
Thanks and deduct what you see fit

Q: What are the best government bonds for a retired 70 year old, that presently has no fixed income????

Q: Hi 5i
Inside my RRSP I have CBO, and I like to sell and buy JPM and BNS, is this good move at this point in time.
Thanks

Q: Hi, looking to add to the fixed income part of my portfolio, I hesitate between CBH and CBO. In the current state of affairs, should I go for a short-term etf like CBO or go with CBH for which the duration is a reasonable 4.5 years. I have mainly individual govn’t bonds at this point plus 10% total in XBB and XSB. Thanks

Q: HI TEAM
XHY IS APPROX 10% AND THE OTHER 3 ARE 30% EACH OF THE BOND PORTION OF MY PORTFOLIO, WHER WOULD YOU ADD FUNDS AS I NEED TO TOP UP MY BONDS

Q: I have $20,000 in CBO. Because I thought it pays out interest I have been keeping it in my TFSA account. Should I put it in my unregistered account and next year replace it with LNF which, hopefully will grow with a ten year outlook?

Q: Hi,
I'm trying to create a well balanced bond fund for that portion of my portfolio and have come up with this: HFR-T, CBO-T, CLF-T, TLT, XBB-T, CVD-T, SHY, FLOT, IVOL, BNDX, VSG-T
I guess I should have something that will generate monthly income as well? If I am overdoing this, please let me know...it seems like a lot of holdings. Is there a better way? A mutual fund?
Thanks.

Q: Please review the current environment on this ETF and would it be worth selling and moving money to higher income geared ETF. If so, what would you recommend?

Q: Hi 5i Team,
I am considering to invest in high yield corporate bond.Would you recommend to invest in corporate bond than equity in this environment? Can you recommend few names?

Thank you,

Q: Would you have any recommendations for individual corporate bonds with decent yield to maturity for up to a 7-year term? Based on my research, yield remains low for decent quality. Thank you!