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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: XLB and ZLC are my primary bond holdings. With the rather abrupt steepening of the yield curve, would you recommend selling both of these and replacing them with shorter term funds ? If so, which funds would you recommend ?

Thanks,
Mark
Read Answer Asked by Mark on January 06, 2026
Q: Hi, just starting to look at the bond market, do not want anything to do with U.S. tax filings. Would like like your three recommendations for Canadian bonds. Do you have a Canadian equivalent for BND? (Low mer and nice yield) also corporate bonds eg.XCB could you touch on risk compared to your three recommendations.
Thanks, happy, healthy New Year
Read Answer Asked by Brad on January 05, 2026
Q: Hello 5i team,
I have held HBND since Feb 24 and it has been on a steady slow decline (along with the payout) ever since. I think you mentioned that lower interest rates are always better for this ETF. In light of the US lowering there rates in the coming year, will this be good for HBND?

Net assets is currently 212 M according to there website. Do you have any knowledge if this is growing? I am asking this because although the payout is decreasing, it is still pretty good and would not want this ETF to close down like what happened to HYI.

Thank You,
Andrew
Read Answer Asked by Andrew on January 02, 2026
Q: Order Fill Limit Order Tips for ETFs. I have been placing limit orders to buy TCSH ETF which is a Canadian money market ETF. I have access to Time & Sales data using TD Advanced Dashboard. It looks like the transaction prices vary between 50.10 and 50.11 with "size" typically 100 to 200. I am not sure if "size" refers to lot size or quantity of shares (maybe you guys know?). I would like to buy 1,800 shares at 50.10. Will I have better success rate if I place multiple limit orders using lower quantities at 50.10 or likely the same result if I just place 1 limit order for 1,800 shares at 50.10? Your thoughts would be appreciated.
Read Answer Asked by Ian on December 22, 2025
Q: What are your thoughts on investing in private credit? Should it be part of a diversified portfolio? Are the above ETF's a good vehicle to invest in private credit?
Happy Holidays to the 5i staff!
Read Answer Asked by ROB on December 22, 2025
Q: Hello, Im looking for a conservative option to GICs
Would it be preferred shares ? Please help and avise

thanks so much

Tim
Read Answer Asked by Tim on December 22, 2025
Q: Will have to sell one of these to raise cash. Which one? Thanks and Greetings Peter.
Read Answer Asked by peter on December 20, 2025
Q: Thanks for answering my question regarding Premum/Discount for TCSH canadian money market ETF. In your answer you stated "Indicated Yield" of 2.63%. I looked at the TD web site and could not find this metric. Can you tell me where I can find this important metric as well as help explain what "Indicated Yield" means? TD only provides current yield to maturity on their web site. Many thanks.
Read Answer Asked by Ian on December 16, 2025
Q: TCSH ETF is classified as a money market product. I understand that the NAV will usually increase until the monthly distribution near the end of the month. What I don't understand is why this ETF always seems to trade at a price much higher than the actual NAV. I thought all money market ETF's would trade very close to NAV price.
Read Answer Asked by Ian on December 16, 2025
Q: Hello, what do you think of something like VCSH to add to a fixed income portfolio that already owns US treasuries ? I am looking for stability with a bit of yield that will stabilize things. I am almost 60 and would like to take some risk off the table ? I am open to alternatives that are not specifically tied to the US govt.
Read Answer Asked by Robbie on December 02, 2025
Q: I am a 70 year-old value investor that is reluctant to invest further in what I believe is an over-valued market. Our new portfolio manager is recommending "Index deposit notes" offered by major Canadian banks. Can you please tell me more about these market-linked term deposits? I would prefer to wait for a market correction and then invest in equities, but the portfolio manager feels the market could continue to rise over the next few years. I am of the opinion we are looking at a significant recession in 2026.
Thanks!
Read Answer Asked by Grant on December 01, 2025
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