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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: Hello 5i Team. My question relates to the dividend on HFR. My plan is to use this ETF as a cash savings fund in hopefully a tax efficient manner. As such, can you confirm or comment on the following: from the Horizon web site (T3 Tax Distribution 2019) it lists the dividend as 93% "other income" and 7% as "foreign income". Can one assume that other income would be taxed as interest income by the CRA? If my assumption is correct, what other ETF options might one look that combines safety and tax efficiency? Many thanks. Steve
Read Answer Asked by Stephen on October 13, 2020
Q: Hello 5i team,
I was wondering if there is an ETF in canada that contains provincial bonds. I am guessing VAB may contain these as well as Canadian bonds.

Also what is the best website that would have breakdowns of what is in canadian ETFs?

Thank You,
Andrew
Read Answer Asked by Andrew on April 11, 2018
Q: Currently, all of my fixed income (>$100000) allocation is in VSB, all in non-registered accounts. Should I switch to BXF for tax efficiency, or stick with VSB given it's lower MER (0.11 vs 0.2)? For my fixed income allocation, safety, capital preservation, and liquidity are primary considerations; yield is a secondary consideration.
Read Answer Asked by Walter on March 27, 2017
Q: I am nearing retirement. Most of my savings is in a non registered account (75% non registered and 25% RRSP). Can you suggest tax efficient ways of managing the fixed income portion of the non registered component? I understand ZBD and BXF are tax efficient. Would you recommend these or do you have any other ideas? MERs are important and I noticed the management fee for BXF is about .2%. With a return of only about 1% does an investment in this make sense?
Read Answer Asked by BRYAN on November 17, 2016
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