Investment Q&A

Q: Good day, 5i If you invested funds in CMR (no trade commission) is it ok to sell some of the invested money on the next day? Thank you for your help.

Q: Dear Peter et al:

Everyone including yourselves talk about 7+ T USD on the sidelines when a question about market correction is asked. This money will step in and protect the markets from a crash. That seems to be the
thesis here.

But the huge cash reserves of big companies, (BRK for example) pension funds and various PE firms
(listed and unlisted) have ALWAYS
been a feature in the market, no?.Even during the bull or bear
market this Cash on the sidelines has been a constant, right?
So, the question is what is the range of cash on the sidelines? Can this cash on the sidelines act as a " metric" to signal Bull or Bear market?
(Just like your thesis on VIX. 40+ means buying time).

In simple terms what should be the "Normal" cash on the sidelines?!

Q: I am presently fully invested and want to raise 30% cash by selling some of my holdings…..My question is, where to invest the cash?? I used to invest in Short term bonds/tbills to preserve cash which roll over monthly but think that this is not the time for that as everything is pointing to lower interest rates! In your opinion would it be wiser to invest in longer term government bond etfs and if so which ones do you prefer? Thank you?

Q: Can you discuss the potential risks / concerns owning VUSB:us. US interest rates changing effecting the stock price. ect. Would the same risks apply to ZST.L? I own these in both RRSP and TFSA accounts. Should US dividend stock held in an RRSP and not a TRSA account?

Thanks
Brian

Q: Bond funds vs laddering of GICs.

The way I see it , the only time a bond fund MAY beat laddering is in a declining interest rate environment. I entered a number of bond funds { including from ETF newsletter } on the G & M watch list and see none of them even gained 3% over the past year. Predicting the direction of interest rates is futile at best. Other than for liquidity reasons please try and sell me on why bond funds should be purchased. Do you know of any study over the past 40 or so years that compared bond funds to laddering.

Thank you

Paul

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

Q: Good morning,

I would like to sell most of my stocks and go in cash for about one year, its a significant amount of money. Which is the best option , ZST, ZMMK, or ZAG..in terms of best return and maximum safety.

Thanks,
George

Q: Checking into where to park some cash and looking into TD Cash ETF TCSH. Assuming this is invested in capital safe investments for interest income why does the price chart show its been on a decline, small amount but was expecting up and down based on distribution payouts but neutral, the chart shows an overall decline. Why?

Q: I’m looking for safer areas to park money in each of our tsfa’s ,rrsp’s and non registered accounts. Can you suggest a few of your favourites for each. We are semi retired and won’t need the funds for at least 10-20 yrs but would like a little more protection in a downturn.Currently 80 equities ,20% cash (CBIL and BIL )and no bonds. If there are safe bond ETFs that you prefer in certain accounts please recommend them as well. Take as many credits as needed. Thanks!

Q: Trez Capital has suspended redemptions of it's funds. Do you have any insights as to why. Have they done this before. Is it a sign of anything to be worried about. (FYI) I almost invested in one of the funds but did not because of the many conditions attached. Are the funds a worthwhile investment?
Thanks

Q: Good morning - With the market rising so nicely, it's timely for me to do some re-balancing. For fixed income, I have positions I xlb, xbb and XHY. What fixed income investments do you suggest these days. I could add to the above and/or to corporate bonds, if that makes sense. But, I am nervous about the prospects for Canadian companies as the Trump tariffs take their toll. What does your crystal ball reveal? Many thanks.

Q: I do not have bonds in my portfolio but would like to add some balance to my well diversified stocks only portfolio. Interested in Canadian and possibly US bonds. What would you recommend to start considering..

Q: Canada's interest rate has dropped, and bank GIC and HISA rates have followed suit. The ZLC BMO Long Corporate Bond ETF is offering a 4.83% return. Can this investment completely replace my HISA or GIC? I've previously invested a significant amount in ZLC, and with the recent dip in price, I'm considering continuing to buy more to replace my GIC and HISA ETF. I suspect this might be the last opportunity to buy bonds at a low price. I'd appreciate your insights. Thanks.

Q: Would you recommend buying Berkshire Hathaway in lieu of holding extra cash in case of a market correction this Fall? (my theory being that they would be holding cash for me). Thanks!

Q: In a response to Bruce this morning regarding HSAV you state: "Note it is not 'guaranteed' in the typical sense." I had thought that holding HSAV was as safe as holding cash. As a holder of HSAV I would appreciate it if you could expand on the risks of holding HSAV. Thank you.

Q: Hello team
with the Fed govt going into more debt , interest rate pending cut by Bank of Canada
what is going to happen to the bond funds in gneral? I do have XBB, XLB all losing some grounds
If indeed there is inflation due to the tariffs hitting the basic goods and little growth, how does it affect the bond funds?
thank you
Michael

Q: Would you invest some cash in this? BMO ZAAA-NE.

Q: Hello 5i,

Are the distribution from this ETF classified as interest income or dividends?

What type of account is this ETF best to invest in, a T FSA; RRIF or Cash Account?

Thank you.

Q: Can you recommend a similar ETF to this, but in USD?

Q: Do you prefer ZFH or ZHY ?