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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: Good Monday Morning to all at 5i!

I have both of there ETFs and have had them for a while. They are both underwater and I was wondering about their future prospects since interest rates are falling. Do they have a chance of seeing an upside???

Cheers,

Tamara
Read Answer Asked by Tamara on October 02, 2024
Q: Would both these 2 ETF fall under Financial services? I have 25% holding in this sector and need to reduce and wonder which ETF would you sell to bring down the weight. Both are 5% weight in my RRSP account. I have also some other financial stocks in a non registered account but reluctant to sell as this would would create a capital gain and I have no loss to offset the gain with.

Thanks
Read Answer Asked on October 01, 2024
Q: These are some of the bond ETFs you have previously suggested. You have recently noted that, while interest rates are dropping and long-term bonds should ultimately provide the most torque in this scenario, shorter-duration bonds should not be forgotten. Does this suggest that a 50/50 split between longer and shorter duration is best, or would you suggest some kind of uneven split for a retired-income investor looking for stability and reasonable growth? As a general strategy, would you also include some portion be allotted to convertible bonds?

Appreciate your insight.

Paul F.
Read Answer Asked by Paul on September 23, 2024
Q: If you were going to build my bond portion (40% +/-) portion of my portfolio using ETFs, how would you build that? Is there one ETF that provides a broad mix of corporate / municipal / provincial / federal, a broad laddering of periods, a mix of risk, a mix of regions, etc? Or would you build it using multiple ETFs that specialize in specific products?
Read Answer Asked by Tony on September 16, 2024
Q: Could you recommend 2-3 fixed income ideas for both in a registered and non-registered situation.
Read Answer Asked by Steven on August 29, 2024
Q: Good afternoon, I am realigning my RRSP account using geographic and asset type recommendations. The asset allocator recommends that 15% of my portfolio be in fixed income. Can you please recommend a few fixed-income ETFs? Also, should fixed-income holdings be mostly domestic or include international as well? Lastly, would you consider CASH.CA part of the fixed-income component of a portfolio or simply a place to keep cash until it is directed into another asset? Thank you in advance.
Read Answer Asked by bernie on August 20, 2024
Q: 2 questions:
In a taxable account what would you suggest to play the role of Bonds if any? I need to beef up my bonds allocation and need to keep cash and cash equivalent in my taxable account where I have new funds.

For a young retiree with a comfortable portfolio what percentage would you allocate to cash and bonds? Volatility is not a problem for me with a long term view.

Thank you
Yves
Read Answer Asked by Yves on August 06, 2024
Q: Can you please recommend 3 bond ETFs that will provide in one year 10% yield including both dividends and capital appreciation?
Read Answer Asked by Ron on July 18, 2024
Q: The fixed income portion of my portfolio is fairly low. Would now be a good time switch from equities into fixed income in bonds, or has the horse left the barn? What would be, in your opinion, some suggestions for fixed income?
Much appreciated.
Read Answer Asked by Francisco on July 16, 2024
Q: Hoping you could suggest an ETF portfolio for an RRSP account with a minimum 12 years until withdrawals are made. The account is starting from scratch.
Thanks
Read Answer Asked by Curtis on May 10, 2024
Q: Can you suggest 10 best (sleep at night) low risk, monthly/quarterly income, tax efficient, Canadian etfs. Monthly preferred but not essential. Held in non registered account.
Read Answer Asked by Craig on April 29, 2024
Q: Hi, I'm thinking of gradually reducing my individual stocks and moving into etfs for an all around set it and forget it roughly $3 million portfolio for someone retiring in the next few months. Can you give me your suggested etfs and percentages to hold to accomplish this balance? A chunk of these funds are not invested yet so I'd also like to know how you would suggest deploying these funds? Would you edge in gradually over a period of time or just get the money working? I'd really appreciate any advice you could give me in this format.
Thank you as always!
Read Answer Asked by Harry on March 14, 2024
Q: Hello 5i team,
You recommended in a previous question TUHY instead of HYI (being terminated in March of this year). I also have XHY in my TFSA. Is not TUHY and XHY almost the same except that XHY is CAD-hedged and is larger in market cap?

I am wondering which one has Canadian high yield bond exposure as well as US? Or is it that there is not much coverage in CAN in general?

Andrew
Read Answer Asked by Andrew on January 31, 2024
Q: SRLN looks unsafe at first glance. the yield at over 8% p.a. looks high. Morningstar gives SRLN a neutral rating (forward looking) and 2 stars looking backward. Morningstar is often out of date, and there is better information at ETF.com. Your Bloomberg is not available to us commoners.

I ask this this question because bank-owned brokers make it difficult and/or expensive to buy bonds. Information and pricing on bonds are not easily searchable. Every time I force myself to look at asset allocation, the robotic tools I use scream at me that I am mad in that I zero fixed income. This brought me to look at bond ETFs and I acquired some USHY which looked decent, but that doesn’t quieten those pesky AI tools that help self-directed investors.

Is SRLN a reasonable enough proxy to add to the fixed income part of one’s portfolio? Or is it risky compared to other available US$ bond ETFs? I’d welcome substance in your response and if you care to add links to materials that pedestrian investors like me should look at, that could help. Many thanks.
Read Answer Asked by Adam on January 05, 2024
Q: In many of the investment articles I have been reading Bonds are being touted as a good investment in 2024. Do you agree? If yes, what Bond ETF's would you recommend?
Read Answer Asked by shirley on December 22, 2023
Q: Right now a large % of my portfolio is in TD 8150 money market paying 4.55%
If rates start to drop it will be hit right away---Some corporate bonds are paying over 5%---I like the liquidity of the 8150s and will continue being in fixed to perhaps a lesser extent---do you think I should lock in one of these corporate bonds for maybe50% of what I have in 8150s now?
Thanks
Peter
Read Answer Asked by peter on December 15, 2023
Q: Curious about yields. It feels like the yield on ETF XHY remains around the level it was several years ago (~6%) despite other stocks yielding much higher returns. Shouldn't those ETF holdings (high yield corporate bonds) be ticking upwards too which should drive the ETF yield higher? Maybe there is a time-delay as they have to reset?

So with various stock yields as high as they are I would like to try to benefit from the yields AND set up for capital gains on the same stocks that *should* pop as interest rates normalize and fall a bit. What are 3 CAD and 3 USD stocks that fit the bill? (High current yield AND good likelihood to strong share price increase in 1-3 years.) And where would ENS fit relative to those suggestions?
Read Answer Asked by Marilou on December 01, 2023
Q: HI;
Would you be kind enough to explain the differences and similarities between these two? Is xhy the canadian version of hyg? Is it hedged?
Is there wh tax on xhy. Level 1 or 2? Can I avoid the wh tax by buying hyg? Is hyg a us or canadian listed etf? Is hyg hedged?
Thanks, BEN.
Read Answer Asked by BEN on November 29, 2023