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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: Looking to park cash for 2 to 3 years in a low volatility etf with a decent distribution. I am looking at above mentioned etf and would appreciate your analysis or do you have other recommendations? Thanx.
Read Answer Asked by Steve on November 20, 2024
Q: Lots of good Q&A lately on parking short term cash.

I have $100K to invest. Are one of these more suitable than the others for quickly withdrawing an amount as required when I want to purchase stocks or equity ETF's?

Would you feel comfortable putting the whole amount in any one of these, or is it best to diversify a bit?

Do you have a recommended USD version(s) for my USD account ?
Read Answer Asked by James on October 18, 2024
Q: Good morning, I have $200,000.00 in a taxable account and am looking for a temporary safe place to invest it in for a period of 6 to 8 months, hoping to generate some yield.
Do you have any suggestions?
Kindly advise & Thank you
Sergio
Read Answer Asked by Sergio on October 16, 2024
Q: Hi,
I'm looking to park some Cdn funds in a high interest savings ETF, and use TD as my bank. I found HISA, but don't know anything about the .NE exchange - if you could enlighten me on that - and let me know if there are better products that this, I would appreciate it!
Thanks for all your consistently great advice!
Dawn
Read Answer Asked by Dawn on October 15, 2024
Q: Hello 5i Team

Is there a comparable product to HSAV available on the Canadian Market?

I am looking for an "accumulating" type ETF to accumulate funds on a monthly basis for annual expenditures (i.e. rrsp contributions, tfsa contributions, income tax installments etc).

I currently hold HSAV for other purposes.

I cannot transfer funds from non-registered accounts into rrsp/tfsa monthly as I make the annual contribution(s) on Jan 01.

Ideally I would use money market mutual funds for this purpose, however RBC Direct Investing charges 1 % fee on MMF purchases (seems rather excessive for MMF).

Thanks
Read Answer Asked by Stephen on October 07, 2024
Q: Hi, Can you let me know what High interest ETF (highest yield?) you recommend - in US and CDN $.
I also believe there is one High interest ETF, that does not pay interest, but accumulates capital gains, what is it's name and what do you think of it.
Thanks.
Read Answer Asked by Peter on September 05, 2024
Q: Hello 5i Team

1 - HBB

Global X's webpage for Global X Canadian Select Universe Bond Index Corporate Class ETF (HBB) lists the following fees:

Management Fee - 0.09 % + applicable sales tax
Management Expense Ratio - 0.10 %
Trading Expense Ratio - 0.15 %
Swap Fee - No more than 0.15 %

Therefore are the maximum total fees that I would pay for HBB as follows:

Management Expense Ratio + Trading Expense Ratio + Swap Fee

0.10 % + 0.15 % + 0.15 % = 0.40 %

2 - HSAV

As HSAV is also a corporate class fund why would Global X not list a swap fee for HSAV?

Thanks


Read Answer Asked by Stephen on August 16, 2024
Q: A couple of questions about HSAV: first, I wish to compare what is available on GICs to HSAV - what is the effective rate of interest being earned on dollars invested in HSAV? Second, it seems the premium paid for the price to invest compared to the NAV has risen in the last month - is there a reason why? And is there any way to predict if the premium will get any smaller in the next few weeks? Last, is there a fairly direct relationship between any reductions from the BoC to what is earned with HSAV, eg if the BoC reduces by 1%, does the effective rate earned with HSAV go down by 1%? Many thanks for your excellent service.
Read Answer Asked by Leonard on July 22, 2024
Q: I have a large sum of cash from a recent sale. I will need the funds in the next few months but would like to "put it to work" in the meantime. If it was your money, which of the myraid of options would you choose that offers safety, liquidity and max returns.

Many thanks

Scott
Read Answer Asked by Scott on June 12, 2024
Q: Hi, Is there a site giving the actual yield of all the HISA ETF’s? The distributions are already decreasing. I guess they are pretty similar, but they change monthly. PS: I do not think the dividend/yield on 5iResearch MarketData are up-to-date. Thanks.
Read Answer Asked by Denise on May 23, 2024
Q: What are my best options for short term to park cash while gaining interest in a registered account, during BNN market call yesterday there was a discussion on a ETF [starting with P?] where interest is calculated daily until you hold the security.
Read Answer Asked by Francis on May 03, 2024
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