Q: I have finally sold my Bitcoin from my US RSP at a small loss. After a long hold with no dividend, I would like to purchase US Efts with a 5- 10? dividend a would appreciate your opinions on this. Thanks, James

Q: Hello 5i,
We have CDN and US funds in our RRSP’s and TFSA’s, no pensions, income is CPP and OAS only, + RRSP withdraws.

We are looking at placing funds needed for the next 3 years into less volatile environment with a yield of 4%-5%. We have laddered GIC's and PSA for CDN funds and are looking for something similar in US funds. Our equities (stocks and ETF's) would remain in place though each year we would sell some stocks and purchase short-term ETF’s to retain a 3-year comfort zone. This allows us to retain higher risk equities in a longer time-frame in case of a large drawback.

Some examples we found were IGSB, BIL, VGLT, VCIT, VCSH, AGG, IEF. Do you have any recommendations? What are your thoughts on long-term Treasuries with a Trump win? Dump and run?

Thank you for your service.

D&J

Q: What is a decent high-interest ETF that trades in the US? Also, are there any where the returns are capital gains instead of interest?

Thanks.