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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: Saw a headline regarding the big outflow from MM funds into bond funds, can you confirm this, if so explain the reason and provide your favorite bond funds for parking cash?
Read Answer Asked by Charles on September 26, 2025
Q: I believe that Warren Buffet has most of his fixed income in short term bonds. Longer term or shorter term strategy in today’s context? I would also appreciate your reasoning, so as to better understand bonds
Thanks
Read Answer Asked by joseph on September 18, 2025
Q: Hi Peter and 5i Team,

Just a followup to my question about ETFs that focus on long term and mid term Treasury bonds, are there any ETFs that focus on Canadian Treasury bonds, or are the ones that you suggested (TLT, SPTL, VGLT, IEF), the best options?

Thanks again for your great work!
Read Answer Asked by Marvin on May 23, 2025
Q: What type of bond funds are best to invest in right now? Long term duration or short term, funds or can I buy individual bonds? Could you make recommendations for investing in todays market for the bond side of portfolio. I would prefer to make a 4-5% dividend but don't know if that is possible. Thank you!
Read Answer Asked by Pat on May 06, 2025
Q: I have $100,000 of cash in an investment account, am looking for some conservative ETF’s with 1/3 going to fixed income, same to Cdn Equity and balance to Global. Any suggestions? Given the trade war with the USA, I might sit on the sidelines for a few weeks so ny thoughts on best way to invest the cash with good liquidity. I was looking at HISA ETF’s but they are very low currently.
Read Answer Asked by Paul on February 06, 2025
Q: I have a lot of cash and am planning to trim some tech stocks.
I have no ETF.s or bonds in my portfolio. Can you recommend some safe and growth bonds.
Read Answer Asked by Margita Elisabet on January 28, 2025
Q: Hello 5i,

We were reading a report on the risk for corporate bonds due to a tightening of spreads. Our goal from a previous question is to protect funds needed in the next 3 years to augment CPP and OAS (no pensions).

We added bonds, but that plan may require a new assessment. Currently, our portfolio has a small position (2%) of Bonds consisting of AGT, VCLT, VCIT, & VAB. We also have laddered GIC’s for 5 years, plus PSA & BIL (for vacations in the US).

We are looking at replacing AGT & VAB with PSA and VCLT & VCIT with BIL. Do you have any other suggestions that may meet our goals?

Thank you
D&J
Read Answer Asked by Jerry on January 08, 2025
Q: In a best case scenario, I think 4 years of Donald Trump in power will be chaotic and discruptive in the US and globally. In a worst case, I believe the US is heading for internal unrest/violence, and the certain parts of the globe will be at war. If you were a 74 year old investor who has done well listening to 5i the last 2 years, how would you now hedge against these scenarios?
Read Answer Asked by David on November 27, 2024
Q: I have $800,000.00 from the sale of a house, and am looking for a safe place to park it. There is a possibility of further interest rate cuts, so would a long term bond ETF be a good place?
Read Answer Asked by James on October 11, 2024
Q: My son is 25 years old and saving to buy a house in the near future. Which is a better TFSA investment strategy for him, investing his savings in a balanced ETF Vanguard Growth ETF portfolio (VGRO.TO) vs. allocating 25% of savings to Vanguard Canadian Aggregate Bond Index ETF (VAB), 25% to Vanguard FTSE Canada All Cap Index ETF (VCN), and 50% to Vanguard FTSE Global All Cap ex Canada Index ETF(VXC)?
Read Answer Asked by Jacquie on August 23, 2024
Q: Please provide you input on the pros and cons on the difference between ETF bonds, such as RQQ, with maturity dates, vs ETF bonds, such as VAB and/or XLB, with no maturity dates. Instead of investing in GICs, which you are locked in for a period, RQQ can be bought and sold when the market opens, making it seems to be almost as good as GIC.
Thank you
Read Answer Asked by Roger on August 20, 2024
Q: For a long term investor with a focus on dividend paying companies or fund/ETF's are fixed income types appropriate for a T.F.S.A.? If so can you suggest 2-3 fixed income products?

Thank you- Jim
Read Answer Asked by James on July 26, 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: As an older investor, I am considering a gradual move from mostly individual stocks to a fully ETF portfolio. My thinking is to allow management simplicity for my wife in the event of my death or disability. Seeking dividends predominately but also a representation of growth. Can you please suggest an array (portfolio) of ETFs that I could begin migrating towards? As always, your advice is appreciated. thank you
Read Answer Asked by alex on May 08, 2024
Q: This question or type of question was asked in the last week, but I can't find it. Sorry. My 2 kids each have about $100,000. I manage their money, but would prefer to just manage it through ETF's. Can you please suggest a portfolio of ETF's for reasonable growth (60-70% equities), but balanced with some bonds as well. If you want to cut and paste your answer to the question from a week ago, that would be great. Thanks a lot.
Read Answer Asked by Steve on April 09, 2024
Q: I'm curious as to the lack of a high dividend paying etf in your Income portfolio? Also curious as to your thoughts on the partial use for these in a RRIF or PLIf account ( I am in MB and we have PLIF's). I'm setting up a PLIF and considering having more than a full position of HDIV, along with big stable dividend growers I'd pick from your favorites. I have a RRSP of the same value of the PLIF and investments in TFSA. I've been 100% equities all my life, eat volitility for breakfast. If you were setting up your own PRIF, looking to make significant income, what would it look like?
Read Answer Asked by Charles on March 26, 2024
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