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Investment Q&A

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Q: hi,
I have parked cash in these funds ( money market fund?), which I am told will not suspend redemptions anytime, so one is able to freely withdraw if wanted. do you have a list of others with same properties ( as many as you know )? take as many points as you want. looking for mostly CDN$ but 1-2 USD$ as well.
cheers, Chris
Read Answer Asked by chris on March 26, 2026
Q: Would you please provide a few relatively safe places to place cash for the time being, somewhere better than allowing it to sit idle in my account.
Thank you.
Read Answer Asked by Catherine on March 23, 2026
Q: Hello and appreciate all your insight. I have raised a fair amount of cash in my portfolio and was wondering what would be a safe way to invest it but still have immediate access to it if needed. I would like to have access to it for opportunities that arise but at the same time would like to earn something on it with very minimal risk in the current environment. Thoughts?

Thank you
Read Answer Asked by Rodney on March 18, 2026
Q: Can you please recommend where to safely park CAD and USD; with the highest yield? I have been using CASH.TO (Yield 2.33% as of February 20) or CBIL.TO (Y 2.42%) for CAD and UBIL.U.TO (Y 4.08%) for USD.
Our BNS portfolio manager recently put some cash into the following mutual funds:
BNS Investment Savings Account Series F U$(DYN6005:CA)
BNS INVESTMENT SAVINGS ACCOUNT SR F (6004). Can you please tell me how frequently the latter two savings accounts pay out interest and what is the current yield for each? I could not find any information online for these BNS savings mutual funds.
Thanks!
Read Answer Asked by Grant on February 24, 2026
Q: Hello, Im looking for a conservative option to GICs
Would it be preferred shares ? Please help and avise

thanks so much

Tim
Read Answer Asked by Tim on December 22, 2025
Q: wish to park some money, which one of these eft's do you suggest with reagard to liquidity, capital loss/gain, and actual long term yeild
Read Answer Asked by Ron on December 08, 2025
Q: I have been trimming a few positions in my TFSA as they've gone up quite high and now I have $40,000 USD and $4000 cad. I've been waiting to buy certain stocks on the dip and will DCA some of these funds into market but I was thinking I should put it in some type of interest receiving liquid option in the meantime. What you you recommend? I was thinking Cash.to for canadian dollars? SGOV for USD? I believe Sgov would trigger that 15% dividend withholding tax in the tfsa but it's better than swapping to cad and back to usd cuz my instituation charges i think 1.5% each time. Are there any other options you would recommend? for liquidity I can sell and have access same/ next day? thnks!
Read Answer Asked by Danielle on October 07, 2025
Q: Can you suggest 3 mechanisms to "park" cash with safe steady income and good tax efficiency?
Read Answer Asked by Ron on October 01, 2025
Q: I’m looking for safer areas to park money in each of our tsfa’s ,rrsp’s and non registered accounts. Can you suggest a few of your favourites for each. We are semi retired and won’t need the funds for at least 10-20 yrs but would like a little more protection in a downturn.Currently 80 equities ,20% cash (CBIL and BIL )and no bonds. If there are safe bond ETFs that you prefer in certain accounts please recommend them as well. Take as many credits as needed. Thanks!
Read Answer Asked by Randall on August 28, 2025
Q: Would it be more prudent to switch CSAV and PSA to TBIL and CBIL?
Read Answer Asked by David M. on March 11, 2025
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
Read Answer Asked by Bill on March 07, 2025
Q: Hello I am 72 and fully invested in CDN and US equities. I am concerned about a bear market or a correction, and would like to reduce my equity risk.
Say for $250K , how would you invest between CASH, T-Bills, GIC, Bond ETF?
What are you suggestions?
Thanks
Carlo
Read Answer Asked by Carlo on March 04, 2025
Q: Currently my entire allocation of money market funds is in PSA which currently pays just over 4%. However , rates are dropping in Canada. I am considering moving all my money market allocation to ZUCM which appears to be an American dollar money market paying over 5 % . I believe rates are less likely to decline in the US.
Do you like this strategy ?
Do you prefer a different American dollar money market account ?
Read Answer Asked by BOYD on January 09, 2025
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
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