Investment Q&A

Q: Is there an advantage to holding an ETF like ZAG compared to holding an ETF like GLB X HIGH INT SVGS-A? Which is more profitable in a non-registered portfolio?

Q: wish to park some money, which one of these eft's do you suggest with reagard to liquidity, capital loss/gain, and actual long term yeild

Q: what is your opinion on TSCH-TD Cash Management ETF? Are there other options I should consider? I am considering putting some of my cash into this ETF- this cash is not required for at least 18 months so I would like to optimize returns. Thanks.

Q: I have been trimming a few positions in my TFSA as they've gone up quite high and now I have $40,000 USD and $4000 cad. I've been waiting to buy certain stocks on the dip and will DCA some of these funds into market but I was thinking I should put it in some type of interest receiving liquid option in the meantime. What you you recommend? I was thinking Cash.to for canadian dollars? SGOV for USD? I believe Sgov would trigger that 15% dividend withholding tax in the tfsa but it's better than swapping to cad and back to usd cuz my instituation charges i think 1.5% each time. Are there any other options you would recommend? for liquidity I can sell and have access same/ next day? thnks!

Q: Can you suggest 3 mechanisms to "park" cash with safe steady income and good tax efficiency?

Q: Saw a headline regarding the big outflow from MM funds into bond funds, can you confirm this, if so explain the reason and provide your favorite bond funds for parking cash?

Q: Have cash to park for now, what would be the best choice here…or maybe be a mix of both.
Thanks you and have a great day.

Q: What are the best cash proxy ETFs in your opinion?

Q: I have $500,000 from sale of house that I need to park until January when I can contribute it back to my TFSA. Given the recent strong markets and the fact we are going I to seasonally weak months I don’t want to be exposed to market risk. Once back in my TFSA I will put the money to work in the markets.
I was thinking of using HSAV as the returns are by way of unit price appreciation which would be taxed more favourably than interest paid out in CASH or PSA. The unit price growth in HSAV is somewhat erratic which is a bit concerning.
Your thoughts or other suggestions.

Q: Hello 5i,

We have decided to trim equity positions by 15%-20% and replace those stocks with less risky investments. This move is to retain capital investments for the near term due to leveraged market evaluations and the Narcissist who is making a serious attempt to change the US from a democracy to a Totalitarian state.

Can you please provide a list of safe havens to shelter against some of the potential risks?

Thank you
D&J

Q: Hi Team:
I have some cash sitting in RIF acct. Presently in RBF2010 paying 2.3% interest, with unlimited charge for buy or sells..
Would I be better to spent the $9.95 and buy into something like CASH or PSA? Then I would also have to pay $9.95 to get out.
As a follow-up to that question how about if this was in an 'open account' , Where the interest is taxed at 100% income whereas CASH or PSA would act like a dividend income and therefore taxed at roughly 66% income.
OR do you have a better suggestion for larger amounts of $$
Thank you. :-)

Q: Hello 5i,
largely thanks to you, I have made a fair bit of money over the past few years. Certainly, more than I would have made on my own. Thank you. But, I am thinking that in my mid 70's I should start thinking about preserving it in order to pass it on. I know that stocks are you're forte, but i noticiced that you have been generous enough to give advise on other matters, as well. I will try to make this question not too close to portfolio planning advice and so hope you can advise me. In reviewing literature I notice that people say at this stage in life, we should not be looking out too far. Therefore shortterm bond etf's are best. AGG, which I own, for instance, is discouraged because it goes out to six years and there could be a downturn at just the wrong time. They also mention holding tips, corporate bonds and a GI C ladder. I didn't think that I would need these latter assets. Just bond etf's in US and CDN. I also thought government would be better than corporate, as well, because they would be more secure. Anyway, I hope that at this point in the game you can also dsirect me to the right choices, as you have in the past. Here is a list of assets suggested:

short-term Canadian bonds XSB or VSB Core stable income
Short-term corporates ZCS Slightly higher yield
Laddered GICs (1–5 yrs) GICs from brokerage Guaranteed principal
U.S. short Treasuries VGSH Safe USD diversification
U.S. short TIPS VTIP Inflation hedge
High-interest savings ETF CASH.TO or PSA Liquidity buffer

Q: Hi, new hear and would like to know the best place to park some money for each account type. Money will be needed between 3 to 12 months. Also if selling in which order would you sell the following ZWK, ZPW, UMAX, ENCC, TD, NA, FC, SLF.
Thank you

Q: Where would you recommend that cash or near cash be held in a registered acct. in order to get best net return for next 6 months? Also, for an extra credit, please compare CASH:TSX to:

TDB8150
ISA-TDB@2.30% PA /NL'FRAC

Thank you.

Q: Several weeks ago one of your members said they were seeking the safety and yield of CASH:CA and another name I can't remember or find again. This to ride out the market turmoil. I remember both names as being stable and having a decent dividend. Can you suggest the forgotten name or other names that are similiar and offer similiar features?

Q: I asked this question on June 1, 2025 but did not get an answer so I am asking again.

What is the difference in underlining risks between ZST and high interest saving ETFs like CASH and HSAV?
What is the difference in yield between them?
I have about $100k in cash to park for 1 year ish so I am looking for a bit of yield during this time.

Q: I’m thinking of switching my cash from CASH and HSAV to ZST. The reason is ZST now has a higher yield than CASH and HSAV (3%+ versus 2.6-2.7%)The intended duration is about 1 year.
What are the risks associated with ZST? Is ZST riskier than CASH and HSAV?

Q: HI there,

I have a bit of cash sitting on the sidelines right now and would like to place it in a cash alternative ETF so that I am not losing money while I wait to invest it within the next few months. Are there any high interest savings ETFs you would recommend? Thank you.

Q: Is TDB8160 as good as these others? What is the advantage or disadvantage to the others, and is one more liquid/safer than the other? Thank you!

Q: Have some money to park but looking for best interest rate return. Looking at CASH and CIB238. Which is better in your opinion? Looking for safety for 1 year. What is approximate current return for each?