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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: Hi Peter. Thanks for your great advice. I am overweight in equities and would like to diversify into fixed income ETFs. Please advise what your recommend as the best fixed income ETFs Canadian and US ETFS.

Thank you for your great service.

Peter
Read Answer Asked by Peter on February 19, 2026
Q: To balance my portfolio what bond etfs and other fixed income would you recommend currently, give CAD And US options?
I have accumulated quite a lot of USD from good returns and I am seeking to broaden my exposure to non US stocks (e.g. Europe) are you okay with buying the US equivalent ETFs or do you recommend converting back into CAD?
Read Answer Asked by Mark on February 11, 2026
Q: Conservative investor, given where markets are trading....and Trump. Seeking a 4+% yield with reasonable safety of principle in mind. In a 50/50 fund, what percentage of fixed income would you place in ZLC. Might a better approach be to just raise the total equity allocation instead by adding some US holdings, like ZWH for example? I realize you don't know all my details, just looking for a general comparison. Fantastic service, thanks.
Read Answer Asked by Curtis on February 10, 2026
Q: Re: RESP

I would a conservative GIC or HISA for CASH remaining in an RESP account, last child about to start 2nd 4 year degree, so it will get used up in the next 4 years.

I presently use BMO investorline. Please let me know what options I have for best GIC OR HISA available , I am not against switching out to another institution i.e. wealth simple.
Read Answer Asked by Ernest on February 10, 2026
Q: I asked about these 3 ETF's in May of 2025. As I noted, I purchased these with a view to moving away from equities. I am retired and interested in dividend income. Has much changed since your answer in May 25 ? Would you continue to hold through 2026 and just take the healthy dividends ? Or is more capital depreciation likely in 2026? If you could only keep 2, which would they be?
Read Answer Asked by Randy on February 02, 2026
Q: Are target maturity bond funds a good investment for the fixed income portion of a portfolio if held to maturity? How is the yield and return impacted as the fund continues to purchase bonds for new investors in the future? Is there a cutoff date when the fund will no longer issue new shares? Can you list the advantages and disadvantages of this fund as compared to purchasing an individual bond and hold to maturity. Thanks
Read Answer Asked by Brad on February 02, 2026
Q: I understand the debt to equity is 55%. Being around 20 years, what was there worst year??
Regards
Capital direct income fund
Read Answer Asked by Bill on January 29, 2026
Q: My daughter's mortgage is up for renewal and she is getting calls from the bank with early renewal options?

What are your thoughts on the direction of mortgage rates? I am reading, from here, they might go down another 0.25% once or twice during 2026.....or not, depending on future inflation data. So no more big rate moves.

Which would you prefer....fixed or variable rate mortgage?

How long a term would you sign up for?

Thanks for your help....Steve
Read Answer Asked by Stephen on January 26, 2026
Q: Last week I sent you a question about etfs and my portfolio. You answered my question and suggested I put some money in fixed income because I am 60 and retired. GICs currently appear to yield about 2.5%. Bonds seem to vary greatly. Can you suggest a fund where I would get a steady return.
Thanks Steve
Read Answer Asked by Stephen on January 22, 2026
Q: I am looking to establish a 10-year bond ladder within my RRSP as part of a broader effort to balance my portfolio. At present, I’m finding that my brokerage platform (BMO InvestorLine) does not consistently provide all of the details I need to make well-informed bond purchase decisions.

Question 1:
Can you recommend reliable sources or tools that provide key bond information such as credit rating, yield to maturity, seniority, and call features for Canadian bonds?

Question 2:
Is there a bond ETF you would recommend that closely replicates the structure and cash-flow characteristics of a bond ladder, as a DIY alternative to purchasing individual bonds?

Thank you for your guidance.
Read Answer Asked by Ronnie on January 22, 2026
Q: Hi 5i team,

I hold this US $ mmf for my US cash and now I am told I cannot buy more at TD DI because it has trailing commisions. What is a good alternative to hold us cash for a few years, safe and good return. Thanks, George
Read Answer Asked by George on January 21, 2026
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