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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 morning 5i,
There has been a lot of discussion lately regarding fixed income. Many, like me I suppose, are beginning to think about "de-risking" their portfolios. I would appreciate your thoughts on this de-risking venture. Would one, for example, be better to put all of their risky money in the stock market and in very save bonds such as like XBB and VAB. That is oppossed to something like PMIF, which may not be de-risking your money at all?
thanks as always
Read Answer Asked by joseph on January 23, 2018
Q: I'm looking for investment vehicles that offer reasonable monthly income with the possiblity of some capital gain. I have chosen PMIF And PLV as possibilities. I would appreciate your opinion regarding the quality of the ETF'S. Safety and professional management being important to me. If there are other possibilities that you favour please indicate them.
Read Answer Asked by Les on January 22, 2018
Q: Hi 5i team. My RIF account has only ETF's except for ENB which is 8.8%. I have 15%EM, 21.3%INT, 21.3%US, 31.5%CDN, and my Fixed Inc. at 4.6% in Pimco PMIF. I am thinking of selling half (or more) of ENB and increasing PMIF or should I put into Pimco IGCF (not in your database) or some other you suggest.
As usual I appreciate your views and suggestions. I am 80, healthy and fully retired. Thanks.
Read Answer Asked by Richard on January 18, 2018
Q: Good afternoon team
I’m looking to add to the income side of my portfolio and already hold 10-15% of ZPR and CPD.
I’d like to add another 5% to the income side of my portfolio so which one or two options do you advise?
I’m looking for more income with little or no growth as my equity weighting is fairly high in dividend paying stocks as well as growth stocks already?
Thnx in advance!
Read Answer Asked by David on January 18, 2018
Q: Good Morning team, the only thing that’s more of a mystery is the weather

I am thinking of starting my ETF income portfolio with a 5% position in PMIF. With all the interest rate forecasts for 2018, do you think waiting for later in the year is advisable or strike now?

Thanks team and a prosperous New Year to all.
Read Answer Asked by Warren on January 12, 2018
Q: Gordon Pape wrote an article on Fixed income vehicles that was published in the December 28 edition of the Globe and Mail. My question is on the Pimco Monthly Income Fund ETF. Apparently the fund has gained 6% in the last 5 years. can you comment on the fund and the ETF. Would you recommend either for the fixed income portion of a portfolio? Thank You.
Read Answer Asked by Brian on January 03, 2018
Q: I am looking to move some cash after a year end portfolio clean up. I am considering 25% in each of VSC and VSB, 25% in PMIF, 25% in XHY. Would you recommend different ETFs and/or % allocations?

Thanks for you dedication
Merry Christmas to all.
Read Answer Asked by Warren on December 20, 2017
Q: I’m assuming that the holdings of PMIF are identical to PMO005, which are 48% securitized; 38% government; 22% corporate; 13% other.

Question 1: what is meant by ‘securitized’? Is that a good thing in a bond fund?

I’ve spent a day researching C$ bond ETFs and the more I research, the more confused I become.

Question 2: Is PMIF about as good as any other bond ETF out there?
I’m not too concerned about fees or yield, as what I’m looking for is low volatility, preservation of capital, with a reasonable total return.

Thanks.
Read Answer Asked by Irwin on November 08, 2017
Q: Regarding Maurice's question about the estimated income for PMIF, as 5i has noted elsewhere it is an etf that duplicates the Pimco mutual fund PMO005. While the indicated yield is small, the average annual return of the latter is 6.62% after one year, 5.19% after three years, 6.42% after five years, and 10.95% since inception. These numbers far exceed the benchmark. Since the etf has less expenses, wouldn't the etf exceed the returns of the mutual fund? Thank you.
Read Answer Asked by Jerry on November 01, 2017
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