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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: My sister needs to park around $90,000 which she intend to put on a house down-payment next February.

She can get around 4.5% for a 9-month GIC.

From reading your website over the years, I know that the above funds are also an option. However, I don't know how to judge the return that can be expected.

Which of the two options (GIC or one of these funds) would you recommend?

Thanks as always.
Read Answer Asked by Kevin on March 13, 2023
Q: I deal with CIBC Investors Edge and was wondering if there is a good ETF for buying GICs for my registered account. GIC are paying 6%, I believe? maybe some other instrument?
Read Answer Asked by James on February 07, 2023
Q: Good morning

Having slowly raised my cash position recently and still not ready to jump back in as I believe the market will go lower later this year. Could you list a few places to park these funds ranking from best return/conviction
Read Answer Asked by Barrie on February 06, 2023
Q: I have an RESP for my nephew who is in grade 12 now and attending a college in the fall. His parents are not great savers, and I don't have children, so I'm fine to subsidize his education. I currently hold only CDZ and TD in the RESP and would like to add some additional cash soon.

What's your advice on how to proceed? Do I add to one or both, or would I be better to invest in CASH or PSA.

Thanks,
Robert
Read Answer Asked by Robert on January 25, 2023
Q: Good day 5i - I would like to know if it is advisable to pay a fee for an ETF Cash Account if you are frequently depositing and withdrawing funds to use to buy stocks, etc. I realize the funds are more liquid. Also, not having used an ETF previously, do you need to be concerned when the ETF is at a higher price when you purchase it. Thank you.
Read Answer Asked by Donna on January 23, 2023
Q: Hello,

What is the difference between PSA and CASH?

Also, I own ZCS and CBO and was wondering if I should increase my allocation to CASH and PSA while reducing my allocation to ZCS and CBO considering the higher rate (better yield) on the short end of the curve. It seems to be higher income / lower risk strategy. Can you please provide your comments. Thank you.
Read Answer Asked by Pierre on January 17, 2023
Q: I have some cash that I was thinking of putting into PSA or CASH for the shorter term. But I am wondering if the unit price of those may drop suddenly when the market turns bullish, and investors move back into stocks. So, well I may earn a nice yield, I could lose some capital. Is that something I should worry about? Thanks.
Read Answer Asked by Kim on January 16, 2023
Q: I’m looking to put a fairly large cash position to work (my portfolio is 30% cash) over the short term and would like to atleast gain some income (while I wait for a short-term recession scenario to play out) but limit large equity exposure. Can you give some short term bond etfs or some liquid traded products that would serve that purpose. I own a large position in zwb already but realize I’ll still get dinged in a pull back (at which point I’d shift that position back into underlying bank equities for a recovery). And also what kind of yields would I be looking at? I also would like to be paid out atleast monthly. Thanks
Read Answer Asked by Scott on January 10, 2023
Q: Can you please recommend your favourite yield products for stability and income?
Read Answer Asked by Chris on January 09, 2023
Q: Good Day Team,

Is this a good time to go into cash and if so do you favor any of these listed?

Thank you,
John G.
Read Answer Asked by John on January 05, 2023
Q: Strategy Question

If I had 200 - 300 000 in savings meant for a home purchase down payment in the next 1-3 years. I would be in the highest tax bracket. Besides GIC's what do you suggest parking this money in, what are safe and tax efficient alternatives.
Read Answer Asked by Ernest on January 03, 2023
Q: Further to your reply to Gord on November 02, 2022, please explain why I should not simply select the ETF with the best historical "total return" if no tax implications (RSP or TFSA). My Koyfin Watchlist tells me that HSAV offered 0.32% more than the next best ETF over the past year (HSAV 2.40%; CASH 2.08%; PSA 2.02%; CSAV 2.01%). Are there liquidity issues with any of these ETFs? Or will their values move in different directions in rising rate or decreasing rate environments? I'm just trying to understand the different offerings, and unlike historical equity returns, can I just select the ETF that is offering the best historical total return - Thank you.
Read Answer Asked by David on December 08, 2022
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