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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: I need to add fixed income to my portfolio. I do not believe the inflation we are heading for will be transitory. Given that assumption, are there ETF's you can suggest that will react best to inflation? And how would they do with the inevitable higher interest rates? Thank you.

Read Answer Asked by TK on June 14, 2021

Q: What are some of your top value stock and ETF picks to protect against inflation during the next 1-3 years. Thanks as always.

Read Answer Asked by Curtis on April 29, 2021

Q: I'm trying to keep a decent weighting of fixed income, and started buying the TIPS etf a couple years ago for better-than-GIC returns, and its worked out well. Now, I'm thinking of shorter duration TIPS (STIP) in case the fed has to move on rates sooner than anticipated. I'd appreciate your comments.

Read Answer Asked by Mike on January 25, 2021

Q: Would this portfolio held in RRIF have withholding tax on dividends. Does this look like a good portfolio?

Read Answer Asked by Burke on January 15, 2021

Q: What are the best bond etfs to own in Canada and US in your opinion? Please provide several options in both countries. Thank You.

Read Answer Asked by Mirjana on October 14, 2020

Q: Are there tsx listed etfs equiviant to TIP & LQD ? Thanks.

Read Answer Asked by Paul on July 24, 2020

Q: Are there Canadian equivalent to TIP and STIP. I donít want to add to my risk by not being hedged. Iím looking for a way to protect against inflation at some point. Is there another way besides inflation protected bonds?
Thanks as always for your insight

Read Answer Asked by Bryan on April 09, 2020

Q: I already have XBB, TIPS, HFR , would TLT be that much different from XBB other than having the currency exposure. Was thinking of buying TLT for more protection against poor markets or if interests rates stop going up. Could I just add to my XBB position to achieve same results.

Read Answer Asked by Geoff on January 28, 2019

Q: Do I really need gold (XGD)?

I know 5i regards gold as an insurance/flight-to-safety hedge, but over ~ 10 years of investing, gold (XGD) has only lost me money. So, based on:

(a) http://money.cnn.com/2017/04/19/retirement/retirement-savings-gold/index.html and
(b) May 08, 2017 - Asked by Harry 'you can use TIPS securities under ticker TIP',

I'm considering replacing all my XGD (2.2% of portfolio; keeping RTM and ZCL in Basic Materials sector) with TIP ETF (10-year returns: TIP: +13.2%, XGD: -30%).

Would very much value you thoughts on this. Thank you.

Read Answer Asked by J Carl on August 01, 2017

Q: In my RRSP, 28% of my portfolio is in U.S. stocks. I am getting concerned about the US election, and what it might do to the markets, in the short term, as well as the overall U.S. economy in 2017/18. With the Cdn dollar being down around $.76, would it be advisable to take that down closer to 15%, instead of the 28%, for a while?
Also, I presently have 25% in cash, and want to put half of that into something low risk,but better return than cash, for up to 2 years. Would ETFs with a stable history, be a good place to put the cash,and if so, can you recommend a couple? Or another idea, instead of ETFs...
The remaining 47% of the portfolio is in the Cdn market, and some Emerging Market ETFs.
Thank you
Grant

Read Answer Asked by Grant on September 16, 2016

Q: I am holding TIP in the US as inflation protection, however I am having doubts regarding this strategy. For real return type bond ETFs, an increase in the relevant CPI increases income, yet rising inflation will be met with rising interest rates on nominal bonds that will drive the price of inflation-protected bonds down as well, negating the benefit of the increased income on a total return basis. It would seem to me that real return bonds are only protection from a central bank that has lost control over inflation; orderly inflation not so much. Is this an accurate assessment?

Read Answer Asked by Benjamin on September 14, 2016

Q: I have been wanted to diversify my portfolio and I was wondering if this is a good list or a bit of overkill. I have recently bought some XBB. I want these for fairly long positions, my concern is that I might be over paying for these as everyone is fearful and flocking to bonds as a safety net. Would it be wise to let things settle or buy partial positions in these etfs. Also would it worthwhile also owning some us long term treasuries. I am looking to try to cover all possibilities so I am not chasing in the future when market conditions change. I would like diverse group to cover inflation, rising market, recession. I know that I cant take all risk off but I would like have some safety net and not hold all equities.

Read Answer Asked by Geoff on July 07, 2016