Investment Q&A

Q: Hello. David Rosenberg’s latest per a Globe article today:

“Best to hide in cash, bonds (Treasuries, Ginnie Mae mortgages, high-quality corporates), gold and the miners (silver too), defensive bond-proxies in the stock market that have decent yields and consistent dividend payout growth (stable dividend stocks are up +5% year-to-date), Japanese money market funds (ride the most undervalued currency on the planet and a BoJ set to raise short-term interest rates sooner rather than later), and diversify into the European Defense and Capital Goods sectors which now have more fiscal-related visibility.”

Can you provide some specific ideas (stocks and or ETFs) that match up with his recommended areas to ride this out?

Thanks!

Q: 5i
Is there a 15% withholding tax on these two ETF's within an RRSP if they are purchased on the TSX ?
Thanks
Bill

Q: Dear 5i
Just a clarification question . If i was to buy either of the above two ETF's via the TSX , i'm assuming they would be bought with Canadian dollars .
When i go to place the order it expresses the purchase in US dollars .
Please clarify .
Thanks
Bill C

Q: Dear 5i
If it's not too much to ask could you give me the most accurate yield that you possibly can on the above stated ETF's . It's very frustrating obtaining this information acurrately as different web sites give different numbers . If you were to rely on just one non prescription website what would that website be to obtain reasonably accurate yield information ? I'm sure you get tired of being asked this question on a fairly regular basis .
If you have other suggestion on similar like ETF's i would be all ears .
I also assume that all these ETF's are quite safe and that no more than 100K should be put into any one of them .
Thanks greatly
Bill C

Q: I'm looking for an ETF in the US Markets for a US Dollar Money Market Fund or equivalent with low fees. Could you recommend one or two very reputable ones?

Broadly, I came into some US dollars, and before I invest them, I'd like to put them into treasury equivalents for security until I invest into the broader market.

Q: Can you suggest an us etf, where I can park us cash while waiting to invest? Thank you Ruth

Q: Investing in US currencies - Can you provide some suggestions on how to participate in the strength of the US dollar as compared to the CDN dollar.Are there exchange-traded funds of exchange-traded notes that focus on exploiting US currency movements?

Q: I have enough US cash to fund 5 -6 years of planned withdrawals. The rest of the Portfolio is equity that I will hold for the noted term.
Looking for an ETF that will pay out monthly to cash flow the payout. Your suggestions ? Should I convert to Canadian dollars at the outset and invest in Canadian ?

Q: Can you suggest CDN and US dollar etfs to own for interest instead of just holding cash in non-registered and registered (TFSA, RSP) accounts? Thank you

Q: Hello Peter & Company,

Can you please suggest a US Exchange based fund equivalent to PSU.U.

Thanks for all you do

gm

Q: Hello
I’m sitting on a fair amount of cash in Canadian dollars that I want to protect from falling against the US dollar without going through cost of conversion to US
Any instrument that I can use to earn some interest and hedge against an expected drop…I own a lots of ZSP.
Cheers
Peter

Q: Looking to invest additional US dollars into a high interest ETF. Currently invested in UCSH.U, but are there others ones I should be considering as better options.

Q: Hi, Can you let me know what High interest ETF (highest yield?) you recommend - in US and CDN $.
I also believe there is one High interest ETF, that does not pay interest, but accumulates capital gains, what is it's name and what do you think of it.
Thanks.

Q: I have some extra US$ in my business account and I am looking for a safea short term investment.stable place to park them can you suggest something similar to BMO short term bond fund?

Q: What is a decent high-interest ETF that trades in the US? Also, are there any where the returns are capital gains instead of interest?

Thanks.

Q: I have US cash to manage to fund our snowbird expenses. I need lower risk, liquidity, with a decent return and HISU.U seems to meet this criteria. Do you think there is a benefit to diversify the cash portfolio into equal amounts of other similar ETF's like PSU.U, ZUP.U, ZMI.U or ZWB.U? Can you recommend a US ETF with moderate risk and opportunity for growth that I could allocate 20% of this cash portfolio for a 5 to 10 year hold? Thanks!

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

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!

Q: 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.)

Q: would you have any suggestions to park USD for a couple months against high yield instead of a GIC?