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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 have cash in my US$ RRSP and would like to park it in a ETF like HSAV but I don't want to be clipped by TD if I move the cash to my CDN$ RRSP account. I noticed HYGH.US in your ETF model portfolio but it is not like HSAV. Any suggestions would be greatly welcome or if HYGH is the best then please advise. Thanks again.
Read Answer Asked by Danny-boy on November 04, 2022
Q: I hope to retire in about a year. I'll have a comfortable defined benefit, I've used the portfolio analysis to diversify my investments. I have a sizeable cash amount earning nearly nothing at a bank. I have contemplated GIC's but don't like the idea of having my funds locked up in the event I would like to direct it to a project or investment .
Would there be a ETF /bond that would be relatively safe that would mirror the GIC returns?
Read Answer Asked by Gord on November 02, 2022
Q: i will have some new cash available from sale of industrial property and i am fully retired at 66 years of age . My wife owns another industrial property from which she draws a monthly income.
We currently have investorline account with each of our rrsp, tfsa, and a joint account.
I here a lot of noise out there in investment world regarding bond etfs being a poor investment at this time, as well as covered call etfs not being a good investment due to limiting upside potentialComments on this please.
But what is your opinion as to what etfs we should invest our new cash: considering Maw 104, VCNS , ZWH, VCIP, RWVG. also High interest savings accounts HSAV?
Thank you!
Read Answer Asked by Tom on September 16, 2021
Q: A couple questions on ZST. Deduct credits as needed.

Assuming this etf is held in a taxable account but the payout is taken in cash and not reinvested, will it make for a headache at tax time?Would HSAV be a better place to park cash in a taxable account?

It looks like every time this etf pays a distribution the price drops so even though the current yield is 2.17%, in reality you're only getting ~.5% return. Do I have this correct?

Thanks
Read Answer Asked by Dennis on August 23, 2021
Q: Hi 5iTeam, In your answer to my previous question regarding XSB and XLB, you mentioned there are cash proxies that are less volatile than XSB. Would you please name these cash proxies.
Cheers,
Read Answer Asked by Harry on July 20, 2020
Q: I have most of my wealth in an unregistered account and would like to invest in the safety of Bonds or GIC's but I don't like that they get fully taxed. Are there any ETF's or funds you would suggest that use derivatives or some other wizardy to turn Bond/GIC income into dividends so they are taxed more favorably? All without giving the advantage back through high fees or MER?
Read Answer Asked by Morgan on April 22, 2020
Q: I am looking to invest in very safe very short term fixed income. I currently own PSA and CSAV in a non-registered account.
I am thinking of buying HSAV for an RRSP account and perhaps for a non-registered account. Your opinion please on HSAV - is it safe, has it been around long enough for liquidity purposes? Any comments on whether there is any preference or difference in owning this etf in either a registered versus a non-registered account? Thanks.
Read Answer Asked by David on March 12, 2020
Q: HSAV is a new offering by Horizons that looks similar to PSA but is a corporate class fund (estimated gross yield 2.25%). I would like to hold HSAV in an unregistered account - can you provide any info regarding this ETF. Also, HCRE is about 1 year old, but has only about 26M in assets and an average trading volume of about 1,700 - thanks for any comments/info you can provide re this ETF!!
Read Answer Asked by Grant on February 26, 2020
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