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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’m trying to understand the risk I’m up against with investments in CASH and UCSH.U. Both have significant holdings in Scotiabank and National Bank investments. My portfolio percentage positions in these two is quite significant.

- Do you have options for better diversification of my cash holdings?

- In the event of “something going off the rails”, what impact does this have on an investor of these two investments like me in the event of a bail-in of either Scotiabank or National Bank because of these holdings within the two ETF's?
Read Answer Asked by James on November 11, 2024
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
Read Answer Asked by Peter on October 23, 2024
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.
Read Answer Asked by RALPH on October 10, 2024
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.
Read Answer Asked by Peter on September 05, 2024
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
Read Answer Asked by Stephen on August 02, 2024
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!
Read Answer Asked by Chris on July 08, 2024
Q: Hi folks
I am looking to park some US cash in a high dividend or interest US ETF that pays monthly. May I have a few ideas
Much thanks
Read Answer Asked by El-ann on May 15, 2024
Q: Can you please suggest other ETFs in USD that have similar or better performance to HSAV.
Thanks again
Read Answer Asked by TOM on April 23, 2024
Q: Is there a US dollar version of these that would not have the 15% withholding tax?

Thanks for all your great work
Mark
Read Answer Asked by Mark on March 21, 2024
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