skip to content
  1. Home
  2. >
  3. Investment Q&A
You can view 3 more answers this month. Sign up for a free trial for unlimited access.

Investment Q&A

Not investment advice or solicitation to buy/sell securities. Do your own due diligence and/or consult an advisor.

Q: Hello 5i Team

For the reader asking for US$ denominated money market funds at RBC Direct Investing - suggestions are:

RBF2014 a US$ investment savings account with Royal Bank of Canada ($100k CDIC insurance) - trades as a mutual fund but no commission. Interest rate is competitive (4.90 %)

Any of the TSX listed US cash etf listed - RBCD charges $9.95 per buy or sell - as long as buying/selling greater than $1,000 the percentage charged is cheaper than the mutual fund charge (1 % to max $50).

Thanks
Read Answer Asked by Stephen on August 02, 2024
Q: Can any reader suggest a US Money Market Fund I can use at RBC Invest Direct without having to pay the $50 commission they want to charge me.

At TD I use Cnd and US $ MMF without any charges.
Read Answer Asked by Nigel on August 01, 2024
Q: I am holding a lot of cash in anticipation of buying a condo in the next 6 months. My main concern is capital preservation. What is safer: short term bonds or HISAs? Assuming a significant decrease in interest rates during the next 6-8 months, would short term bonds offer a greater total return than HISAs?
Thanks!
Read Answer Asked by Grant on July 30, 2024
Q: I have these bond funds: PGF510, CVC, ZAG, XLB, along with mostly GIC's in my fixed income side of portfolio. Do these Bond funds pay interest the same as the GIC's or do they pay Dividends so I would get the Dividend Tax credit? All are in my margin account. Would any of these be worth adding to now that they have gone up somewhat? Thanks so much!
Read Answer Asked by Pat on July 30, 2024
Q: For a long term investor with a focus on dividend paying companies or fund/ETF's are fixed income types appropriate for a T.F.S.A.? If so can you suggest 2-3 fixed income products?

Thank you- Jim
Read Answer Asked by James on July 26, 2024
Q: What is my best option for a 1 year GIC or similar?
Read Answer Asked by Margita Elisabet on July 24, 2024
Q: Where would you recommend parking USD and CAD cash while waiting for opportunities to invest? Money market funds?
Read Answer Asked by Andrew on July 23, 2024
Q: A couple of questions about HSAV: first, I wish to compare what is available on GICs to HSAV - what is the effective rate of interest being earned on dollars invested in HSAV? Second, it seems the premium paid for the price to invest compared to the NAV has risen in the last month - is there a reason why? And is there any way to predict if the premium will get any smaller in the next few weeks? Last, is there a fairly direct relationship between any reductions from the BoC to what is earned with HSAV, eg if the BoC reduces by 1%, does the effective rate earned with HSAV go down by 1%? Many thanks for your excellent service.
Read Answer Asked by Leonard on July 22, 2024
Q: Can you please recommend 3 bond ETFs that will provide in one year 10% yield including both dividends and capital appreciation?
Read Answer Asked by Ron on July 18, 2024
Q: The fixed income portion of my portfolio is fairly low. Would now be a good time switch from equities into fixed income in bonds, or has the horse left the barn? What would be, in your opinion, some suggestions for fixed income?
Much appreciated.
Read Answer Asked by Francisco on July 16, 2024
Q: In your estimation, is the Apollo Tactical Income fund configured to strengthen as interest rates fall or remain at their current level?
Thanks!
David
Further to my previous question on AIF, can you comment on the tax treatment that will be applied to the distributions resulting from its upcoming merger? (note: my previous question on AIF's prospect should, I suppose. be better directed at MFIC...)
Read Answer Asked by David on July 11, 2024
Q: I see that AD.UN currently has a yield of 8.7% and its stock price has been fairly stable for quite a while. Can you tell me how much the yield has varied over, say, the last four years or so? In other words, does the yield from this company vary a lot over time or is it too, like its stock price, fairly stable?
Read Answer Asked by Philip on July 11, 2024
Q: My Son hopes to buy a condo in the next 6 months and has sold most of his stocks and now holds mainly cash. PSA, CASH, CBIL and UBIL.U all currently yield in the 5% range. I am thinking he is best to put most the funds in CBIL and UBIL.U, since these may benefit a bit if interest rates fall, whereas the yield in PSA and CASH would decrease. Or is he best to put funds in PSA or CASH and sacrifice a possible decrease in yield, for a safer investment in HISA ETFs. Thank you for your comments!!
Read Answer Asked by Grant on July 10, 2024
Q: Hi there, I recently asked “ Can you suggest any principal-protected US ETFs? For parking USD cash to earn a yield in a securities account. (The only product I can think of that has this profile is a HISA ETF.)”

Seems like there is no HISA equivalent in the US from your response. What is the next best thing that is US listed? A money market fund? If so which would you suggest?

Thanks!
Read Answer Asked by Chris on July 08, 2024
Looking for more? Sign up for a FREE 14 day trial! No credit card required

We invite you to sign up for a 14 day free trial of 5i Research!
Experience all the benefits and tools we have to offer; stock research, model portfolios, Q&A with our experts, and so much more. Join a community of like-minded investors today!