Investment Q&A

Q: Looking to add some longer duration bonds with inflation and interest rates dropping. You think this is a good move. Already own lpay, zst and cbil and looking for diversification, any other suggestions are welcome.
Thanks and have a great day.

Q: HBIL is new. etf Can you tell me the yield and how safe should it be for 10% of my portfolio? Thanks, James

Q: Hi 5i,

I accumulate cash in my TFSA until I have enough to purchase a meaningful position in a stock. What are some good options you'd recommend for holding the cash in to generate interest while it accumulates?

Thanks for all you do -

Evan

Q: I wonder if you can tell me the yield on DYN6004, the ISA - F savings account/fund from Bank of Nova Scota Itrade.
Shortly I will have about $150K to park for 6 months inside an Itrade TFSA, and think this is where I should put it.
Any other suggestions for a 3 to 9 month 'parking' inside of Itrade TFSA (or could be taken out to non-registered acct) would be appreciated!
Thanks!
Paul

Q: What do you think of the RBC Target Bond Index funds. These are designed to synthesize the return on a single bond for a specific year of maturity. Are they likely to be a good place to put some cash for the next year or two ?

Q: hello 5i:
we've owned JPIE for just under a year now and am very happy with returns, and low volatility. Two questions:
One: is performance mostly due to timing eg. expectations of lower interest rates, meaning if expectations reverse, price would fall?
Two: what would you consider to be direct competitors to JPIE, possibly with less risk, when (not if) rates begin to rise again?
thanks
Paul L

Q: You had some previous thoughts on this one. I'm attracted to the 9-10% dividend but concerned about your previous comments that this one could be "hurt" by lowering interest rates. I guess that is why it is near a 52 week low. Any thoughts on this one now and as we head into 2025 ... is the ~ 9% dividend safe...it's been at ~ $ 17 for almost 2 years ... is the share price safe at around that level ?

Q: In 2024, I put some money in BMO HISA accounts (ex: BMT109- not sure how to call them). The distributions are reinvested, not paid. Do you know if BMO will declare the interest paid at the end of the year, or will I have to declare them only when I sell some of it? Good day.

Q: With the lowering of interest rates, what bond funds to invest in? Bond ETF’s?

Q: What is your opinion on structured notes. If they are good for income, how do we purchase them? Thanks, James
Also are their similar ETFs?

Q: Would you consider this a good hold for a 3-5 year time horizon?

Thank you.

Q: How do these corporate bonds compare. I was considering a 2% position.
Do you prefer one over the other, or a 1-1.5% position in both.

Thank you

Q: Hello,
Follow up question about Ester’s question on August 29. Can these bonds be redeemed prior to maturity and, excluding the credit risks , are there other material risks to be aware about these bonds or similar corporate bonds. Also, can you please confirm capital loss or gain don’t apply for registered accounts or TFSA. Thank you,

Q: Everyone seems to dislike bonds these days, especially long-term bonds. I was considering TLT for a portion of my portfolio, but I noticed a very poor return this year (4.7% one-year return), even though the Fed has clearly signaled rate cuts at the upcoming meetings. One explanation for the poor performance of treasuries is the oversupply of bonds. With U.S. debt ballooning, there seems to be fewer buyers. While, in theory, TLT's price should increase as rates go lower, I was reading that it may, in fact, remain flat and stuck in the sub-$100 range due to the oversupply. What are your thoughts on this?

Q: I'd like to buy a bond ETF that is actively managed. Please recommend 2 or 3 ETF's that have a track record of doing better than those that are not actively managed. If you have other suggestions that would help me achieve superior returns from the bond universe I'm open to all suggestions.

Q: Greetings,
I have put some cash into HSAV but feel there is not much return coming. As being very conservative is there a better place for better returns to pack some cash?

Thank you,
John

Q: Hello! I’ve been researching a list of high-yield, high-risk bonds, and I’m considering investing in some for fixed income. Here are the details on the bonds I’ve looked at:

1) Laurentian: 5.75% due in 2032, priced at 98.30, with a BB (high) rating.
2) Allied REIT: 45.45% due in 2027, priced at 84.34, with a BBB rating.
3) Brookfield Property: 5.29% due in 2028, priced at 106.125, with a BBB (Low) rating.
4) Enbridge: 5.055% due in 2039, priced at 107.246, with an A (low) rating.
5) Sobey: 4.95% due in 2035, priced at 109.203, with a BBB rating.
6) Canadian Tire 4.947% due in 2035, priced at 107.574.

Could you provide your thoughts on whether these companies are financially sound investments? I’d appreciate your comments. Thanks!

Q: Could you recommend 2-3 fixed income ideas for both in a registered and non-registered situation.

Q: How would you rate this bond fund? Is there a better alternative in terms of performance, risk and cost?

Q: In an investment account that does three cash transactions per month would you park the cash in TDB8150 or the CASH etf? Thanks Ron