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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, I'm 100% equities and when holding cash waiting for opportunities I've been parking it in PSA. With the yield so low now, do you have a few other suggestions for almost cash like bond ETF's that have low risk/volatility and low MER and have a higher yield (~2-3%)? Usually hold less than 5% cash in my portfolio and holding period <6months. I was looking at the Vanguard or iShares ETFs for options. Thanks!
Read Answer Asked by Keith on December 10, 2020
Q: I am looking for a safe haven for cash. ZTL bond ETF appears to do well in a market downturn. Your opinion on it, and any other suggestions?
Read Answer Asked by James on December 03, 2020
Q: I had a GIC come due last week in my RRIF, which is managed by an advisor.
They advised buying a bond fund, Dynamic Edge Conservative Class A, MER is 1.89%. What do you think about this fund, it is a fund of funds?
What would you suggest ( for a senior) as an alternative. The amount $30,000.00. The GIC rate is about 1%.
I value your opinion.
Shirley
I really value your advice, as I am a senior
Read Answer Asked by Shirley on December 02, 2020
Q: I intend to increase the "very safe part" of my portfolios with fixed income ETFs, is a mix of corporate and government bond ETF a good choice with this objective or any other suggestion ? I suppose that longer term bond ETF would be more risky if rates do increase ?
Read Answer Asked by Jean-Yves on November 27, 2020
Q: If I wanted to park some money for a month or so, what would you recommend.
Thanks so much for your insights.
Read Answer Asked by JAMES on November 25, 2020
Q: Good morning
there has been several questions at various times regarding parking money for short periods example 3 months or less
most times you suggest GICs or PSA or high interest accounts
would a short term money market fund be appropriate and if so can you suggest some with liquidity on a daily basis
What are the risks of such funds
the intent is to have this money available for purchasing stocks at short notice
If not any other ideas would be welcome
Thanks
Read Answer Asked by Indra on November 23, 2020
Q: Could you share your thoughts on including Van Eck's ETF - China Bonds (CBON) as part of my 40% allocation in a US portfolio.
Read Answer Asked by Ted on November 16, 2020
Q: Oaken financial is giving 1.6% on a GIC for 18 months.Is this too good to be true.
What do you think of this,even with FDIC insurance.
What is the difference between home bank and home trust?
Thanks you
Read Answer Asked by Josh on November 12, 2020
Q: What are your thoughts on treasury bonds?
Who sells them?
Read Answer Asked by Lorraine on November 04, 2020
Q: Hi 5i team,
What do you think of GIC Simple which is an Ontario online GIC broker? They offer access to GICs from different financial institutions, and allow account holders to set up a GIC portfolio that is fully insured. Is GIC Simple a viable option for those who want a better return on the cash portion of their portfolio? Is there a downside to using this service?
Thanks for your valued opinion on this particular subject.
Read Answer Asked by Michel L on November 02, 2020
Q: I have read your cautions on investing in shares in this company. Have you any different opinion, or additional thoughts, with respect to their 5-year 6% green bond issue? These would seem to be suitable as a component of an investor's bond holdings? I imagine it would depend to a large extent on the safety of the assets of the underlying company being invested in by RE?
Read Answer Asked by Lotar on October 29, 2020
Q: Hi Guys, the fixed income part of my portfolio needs a few additions, the returns on GIC's are very low, would be happy with PSA but apparently not available through my broker TD Waterhouse so my question is how would you rate the above 4 bonds, maturity date is no more than 3 years out.
Thanks Anthony
Read Answer Asked by Anthony on October 27, 2020
Q: What is your opinion of investing in bonds vs GIC's or stocks with high dividends for Fixed Income? I'm looking for security, and given the current bond yields and little room for interest rates to drop, bonds don't look too promising. What do you think of a combination of bonds, GIC's and blue chip dividends?
If so, which bond ETFs would you recommend, for both Canada and the US? I have some USD cash, but mostly Canadian.
Read Answer Asked by Camille on October 27, 2020
Q: With understanding bond prices go down as interest rates go up, with the near zero rate situation, is now a bad time to be buying bond funds when one is looking for long term safety and some capital appreciation? In regards to VCNS, being 60% bonds, when bond values go down, the yield goes up, how does rising yields effect the ETF ?
Read Answer Asked by Charles on October 23, 2020
Q: CSU.DB:CA : fell almost 5% this morning, albeit on low volume. trivial . Such a drop is extremely unusual for this security. I do not follow Canadian markets and am wondering if this price drop is consistent with price changes in other similar interest sensitive securities this morning. Are you aware of any reason for such a drop? (I am restricted from CSU and SHOP common but have a large position in the debentures)
Read Answer Asked by Adam on October 20, 2020
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