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  5. CBIL: Hello I am 72 and fully invested in CDN and US equities. [Global X 0-3 Month T-Bill ETF]
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Q: Hello I am 72 and fully invested in CDN and US equities. I am concerned about a bear market or a correction, and would like to reduce my equity risk.
Say for $250K , how would you invest between CASH, T-Bills, GIC, Bond ETF?
What are you suggestions?
Thanks
Carlo
Asked by Carlo on March 04, 2025
5i Research Answer:

For cash 'parking' we would be very comfortable with CBIL, CASH, CMR, PSA, HISA or a money market fund or a Treasury Bill or a GIC. A GIC is still going to provide the highest yield and the greatest safety (guaranteed to $100,000). We would suggest 40% GICs, 30% CASH and 30% money market (either directly or through CMR or ZMMK). 

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