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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: Any recommendation on where to park cash short-term within a direct investing account? I like the sounds of PSA, but 'for business reasons' TD Waterhouse does not allow TD Direct Investing Clients to purchase PSA. Instead, they offer their own savings account which only pays 1.60% in comparison to the 2.15% paid by PSA. Any suggestions?
Read Answer Asked by Chris on January 21, 2020
Q: D you consider this a safe place for cash at this time? Would you recommend a better alternative?
Thanks.
Read Answer Asked by Lawrence on January 15, 2020
Q: Hello,
We inherited this F type fund after parting with our advisor. The BMO has so far kept it as such in our joint cash account. We own this fund since November 2017 and so far received $1236.30 in dividends and are $2500.00 down from our 30K. investment. I have a very basic idea of their long-short approach and I would like to ask your opinion if their modus operandi might be worth keeping and provide value during possible down markets.
Thank you and have a super day,
Kurt Baertsch
Read Answer Asked by Kurt on January 15, 2020
Q: hi there,

I have used FLOT to park US cash historically but i have been looking at SLQD in the US as it looks like it has outperformed FLOT and has a higher yield. Can you comment on the differences. Is there any reason i would not switch to SLQD (BTW this ticker does not come up in your drop down)
Read Answer Asked by kelly on January 15, 2020
Q: Hi,

What are your thoughts on PGI.UN? The MER looks like it's on the order of 4% which seems high. On the other hand, for a fixed income fund, the total return (after expenses) for the last few years seems decent.

I already hold XHY, CVD & XPF. Would you say PGI.UN is a good compliment to add to these or should I just add to these ETFs instead?

Thanks,

Gord
Read Answer Asked by Gordon on January 14, 2020
Q: I own a small amount of FSL for revenue. I think they invest mostly in the US. They merged recently with FSD, unknown to me. The stock didn’t do much in the last few years and is illiquid. There are some other ETF and funds dealing with « senior loans ». Could you explain what they are and if they are worthed for income/diversification purposes. I also own PSB (laddered) and XSB (short-term) on the canadian side. If appropriate, would you suggest something for income in the US to replace FSL, if possible a canadian-listed ETF or fund. Thanks.
Read Answer Asked by Denise on January 08, 2020
Q: Class F Capital Shares (the "Federation Capital Shares") . These are offered by caisse desjardins. We have some older "permanent" shares which Desjardins wants us to exchange for capital shares. I didnt buy these and i am not even sure what they are. They almost seem to be a kind of preferred share. Just wondering with your wide expertise whether you know exactly what these are. And more importantly, whether they are worth holding. I am thinking no.
Thankyou for any help and all the best in the new year
Read Answer Asked by joseph on January 08, 2020
Q: I have noted that XSH and ZCS have outperformed VSB every year since their respective inception years. Do you expect this outperformance to continue? In what scenario would VSB outperform XSH or ZCS? Even during recent market downturns (2015, 2018), VSB has underperformed. Thank you.
Read Answer Asked by Walter on January 03, 2020
Q: When I compare MFT (that I own) and FRL.UN with ZFH and PGI.UN I don't understand why the former don't perform as well as the latter. What can explain that and what would be the best bond ETF (low volatility and reasonable yield) to own within a registered and non registered account. Also, do you know a bond ETF giving mostly capital gain for a non registered account to reduce the income in interest.
Read Answer Asked by Michel on December 16, 2019
Q: Hello,

I want to add fixed income to balance my portfolio and will hold it in a cash account. I'm targeting 15% fixed income with > 10 year hold.

1. Are the ETF's in the income portfolio appropriate? or should I have more concentration? Or a different selection?

2. If > one ETF do you have a weighting suggestion?

3. Will these be taxed as income or dividends?

Thanks!

Dave
Read Answer Asked by David on December 13, 2019
Q: Hi 5i Team,

This is not a question, but rather a comment. I often read in the Q@A that the insurance on GICs is $100,000. This is not entirely true. If you invest in a GIC at an Ontario credit union or caisse populaire, the insurance is $250,000. See the link below.
https://www.dico.com/design/1_1_Eng.html
Read Answer Asked by Michel L on December 12, 2019
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