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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: I like what Global X has to offer in their line of ETF's. However, I think I read one of your Q&A responses a couple months ago that their can be a concern with overloading the overall percentage of ones portfolio with a given ETF company. Did I understand that correctly? If so, just wondering what the potential consequences are in doing that, and if you do recommend spreading investments over a number of ETF companies.

Percentages are personal, but perhaps 5i has a ballpark-ish range that they would be comfortable with for a given ETF company (?)
Read Answer Asked by James on December 09, 2024
Q: Hello, I have $500,000 GIC coming due next month and another $500,000 in March. They both are earning a little over 5%. What safe investment would you recommend, bearing in mind that I need the income it would generate to cover some of my living expenses, as I am retired. Thank you
Read Answer Asked by David on November 28, 2024
Q: I am concerned about the possibility of a bear market and would like to reduce my equity risk. I am looking for a safe investment which is highly liquid. I am in the process of considering cashable GICs. Are there any ETFs which you would recommend for money market funds? Can you please recommend an ETF for the Canadian market and one ETF for the US market.

Also, for a 1-2 year hold, what type of bond ETF would you recommend (long bond, mid-term, etc) for a fairly safe investment? Again, can you please recommend one Canadian and one US ETF.

Thank you again for this excellent service.
Read Answer Asked by Dale on November 25, 2024
Q: I am concerned about the height of the stock markets and am in the process of reducing my equity holdings. If there is a correction or bear market next year, then I would want to be able to invest again at some point.

With the cash that becomes available from the sale of equities, what would you recommend as an investment? I am looking for something that is extremely safe, can be sold at any time (which eliminates a GIC for consideration) and gives me a bit of yield/gain. Are there any ETFs which fit this bill?

Thank you for this wonderful service.
Read Answer Asked by Dale on November 21, 2024
Q: Looking to park cash for 2 to 3 years in a low volatility etf with a decent distribution. I am looking at above mentioned etf and would appreciate your analysis or do you have other recommendations? Thanx.
Read Answer Asked by Steve on November 20, 2024
Q: Hello, I am looking at these 3 ETFs to park my cash, now that short term interest rates have come down and ETFs like PSA or HSAV have much less attractive rates than 6 months ago. Can you highlight the main differences between MNY, CBIL and CMR and sort these by increasing risk level? FYI, CMR will add asset-backed paper to its portfolio sometime next year. Thanks!
Read Answer Asked by Martin on November 14, 2024
Q: Lots of good Q&A lately on parking short term cash.

I have $100K to invest. Are one of these more suitable than the others for quickly withdrawing an amount as required when I want to purchase stocks or equity ETF's?

Would you feel comfortable putting the whole amount in any one of these, or is it best to diversify a bit?

Do you have a recommended USD version(s) for my USD account ?
Read Answer Asked by James on October 18, 2024
Q: I’m recently retired and looking to set up a 2-year cash wedge inside my RRSP account. I already have about 20% invested in CBIL. I’m trying to decide if I should keep adding to CBIL or invest in something like ZMMK. I’m leaning towards ZMMK because of the slightly better current return, bigger size and maybe it will retain a slightly higher return in the future assuming interest rates continue to go down? Does this make sense? Is there a better instrument(s) to use to set up a cash wedge? Am I simply overthinking this 😊!
Read Answer Asked by Raymond on October 17, 2024
Q: Good morning, I have $200,000.00 in a taxable account and am looking for a temporary safe place to invest it in for a period of 6 to 8 months, hoping to generate some yield.
Do you have any suggestions?
Kindly advise & Thank you
Sergio
Read Answer Asked by Sergio on October 16, 2024
Q: I am holding a lot of cash in anticipation of buying a condo in the next 6 months. My main concern is capital preservation. What is safer: short term bonds or HISAs? Assuming a significant decrease in interest rates during the next 6-8 months, would short term bonds offer a greater total return than HISAs?
Thanks!
Read Answer Asked by Grant on July 30, 2024
Q: My Son hopes to buy a condo in the next 6 months and has sold most of his stocks and now holds mainly cash. PSA, CASH, CBIL and UBIL.U all currently yield in the 5% range. I am thinking he is best to put most the funds in CBIL and UBIL.U, since these may benefit a bit if interest rates fall, whereas the yield in PSA and CASH would decrease. Or is he best to put funds in PSA or CASH and sacrifice a possible decrease in yield, for a safer investment in HISA ETFs. Thank you for your comments!!
Read Answer Asked by Grant on July 10, 2024
Q: I am looking for a short term safe investment for Canadian and US cash in a non-registered account. CBIL according Global X website holds 0-3 month Canadian government bonds, but when purchasing on Questrade, 0-3 mo U.S. T-bill pops up - is CBIL US or Canadian bonds? With UBIL.U in a non-registered account will there be US withholding tax on the estimated 5.25% yield? Thanks!
Read Answer Asked by Grant on June 20, 2024
Q: I need to find a place to park a large amount of cash for the next 6 months - 1 year. the choices are GIC, CBIL, and HISA/CASH.TO.
I have looked to GIC and dislike it because the money is locked in for at least 1 year.
What are the risk associated with CBIL and HISA/CASH.TO. Is there risk of the holding company (Global X in this case) defaulting the money?
Read Answer Asked by Anh on June 13, 2024
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