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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: Hi,

What are your thoughts on PGI.UN? The MER looks like it's on the order of 4% which seems high. On the other hand, for a fixed income fund, the total return (after expenses) for the last few years seems decent.

I already hold XHY, CVD & XPF. Would you say PGI.UN is a good compliment to add to these or should I just add to these ETFs instead?

Thanks,

Gord
Read Answer Asked by Gordon on January 14, 2020
Q: I have a non-registered a/c, a RRIF and a TFSA and would like to add fixed income investments to each using ETFs. I am looking at the above mentioned ETFs. Is there a general rule of thumb as to which type of income should go in to various accounts and would XHY and XPF be subject to withholding tax?
Read Answer Asked by Lloyd on April 16, 2019
Q: Hi Peter and Team,

Could you please give me your thoughts on preferred shares in general given the current interest rate environment and the pending rate hike by BOC in about a week's time. Please also provide some names of ETFs of preferred stocks in both Canadian and US denominations.

Cheers,
Harry
Read Answer Asked by Harry on July 10, 2017
Q: Hello 5i,
My wife is concerned that our exposure to bonds is far too high, so I thought I would turn to the experts for advice.
Fixed Income is 31.1% of our total, combined portfolio broken down as follows:
CBO 4.8%
EMB 6.9%
VEE 1.0%
XHY 5.0%
XIG 4.7%
XPF 2.4%
XTR 3.0%
RBF 461A 3.30%
Note: these percentages reflect only the Bond or Fixed Income component of these ETF's, not the equity or other holdings.
We each have modest private pension as well as CPP and (1) OAS.
Our total portfolio income will soon be required to help cover living expenses - and presently looks to be able to do so for the most part.
So, my question is: given the foregoing do you see any areas of concern or any compelling changes that would be required?
I know this might sound a lot like a mini portfolio review, but I have added a lot of detail so that it might assist others who read the Q&A as I know asset allocation is an area of concern and interest for many members.
Please feel free to deduct as many questions as you deem appropriate.
Many thanks,
Cheers,
Mike
Read Answer Asked by Mike on November 28, 2016
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