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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: Within fixed income today, is it wise to move from longer term bonds into floating rate bonds...seems the longer bonds are beginning to slide while floating rates bonds are holding firm. both pay similar yields. thanks as always.
Read Answer Asked by Curtis on October 28, 2019
Q: Back in June 2011 we purchased Scotia Dividend Fund 6372205 no load @ 41.95 today it's at $68.80 for RESP for Granddaughter.Initial inv. 2,763.29 and today worth 4531.41.We will be visiting them next week.Usually receive div. in December.She has 2 years to go before graduating.Should we sell and buy bond fund XLB to make sure we don't lose any value that has built up.Tks
Read Answer Asked by Guy on October 25, 2019
Q: Why is FTB less volatile than other ETF bond funds? How would you compare FTB to other bond ETFs? Which bond ETFs would you recommend?

I am retired in my 70s.

Thank you

Read Answer Asked by Donald on October 10, 2019
Q: If I was to invest $400,000.00 into an all bond portfolio, could you suggest what bond securities you would invest the money? Thanks, Bill
Read Answer Asked by William J on October 07, 2019
Q: Hi 5i, View the current oulook for fixed income products in Canada being rather abysmal. What are your views of emerging markets. There seems to be a play for emerging market bond markets now that the US is tightening rates and the US dollar is weakening. I am looking at some ishare etf products (USD funds) that invest in EM bonds. You always said we should hold some bonds and some foreign investments in our portfolio. Your thoughts?
Read Answer Asked by pietro on September 30, 2019
Q: I currently own CPD in a taxable account at a loss position. With interest rates looking like they are going downwards would it be positive for preferred resets? Would you be okay with a switch from CPD to XBB at this time? I have CPD as part of my fixed income portfolio even though it is kind of a hybrid between equity and bond. Thanks for your insight
Read Answer Asked by Rudy on September 25, 2019
Q: With the possibility of a pending recession in the next year, would you recommend selling one of the following bond funds: ZLC, XBB and ZHY?
Read Answer Asked by Danny on September 23, 2019
Q: I'm looking for a world-wide ETF to invest in long-term, without exposure to Canada. I came across XAW. It seemed like a wise choice. I like it because it's world-wide, but doesn't include Canada, and has no bond holdings.

I am currently saving for a downpayment and have about 30% of my portfolio in XBB (which will be used for the downpayment). Plus a bunch of money invested in Canada already.
1. What do you think about XAW?
2. Any other ETFs in a similar space as XAW I should consider?

Thanks!
Read Answer Asked by Michael on September 09, 2019
Q: There are plenty of forecasts telling us that bond yields are declining and may go to zero.
If they continue to decline , what does this mean and how can an investor take advantage of this. Your Asset Allocator tells me I need to move $500,000 into fixed income to balance my portfolio, which is predominantly equities.
Do I go to a bond fund , or actual bonds? If so what would you recommend? If bonds what type and term? I will hold for min 5 - 10 years.

Thanks and take as many credits as you wish.
Read Answer Asked by William on August 12, 2019
Q: Hi 5i,
I am looking for your advice on what to buy for a new TFSA (full $63,500 deposit) at this time. The funds in this account will be required in the next 3 to 5 years. Income and growth are the objectives, within the requirement to preserve capital. Would you allocate your recommendations equally or ? Thanks!
Read Answer Asked by Heather on August 06, 2019
Q: Thank you for your Portfolio Analytics feature, I am finding it a useful tool for helping with overall perspective.

Here is a sounding board fixed income ETF allocation question.

In registered accounts I currently have 1% XBB and another 4'ish% spread generally evenly between VSC, CLF and CBO.

For general simplification purposes would it be a better idea to only hold a couple of ETFs or maybe even just a single bond fund?

Possibly keep XBB and choose one of shorter-termed VSC/CLF/CBO products? Would you suggest different ETF(s) instead? Thanks for any ideas and I recognize you are not giving individual advice.
Read Answer Asked by Richard on July 25, 2019
Q: I presently have Cdn cash in a savings account @ 1.95. I will not require these funds for at least 5 years. Can you suggest a strategy to increase rate of return, not taxed as interest, low fees and minimal risk. Please rate the above funds. Any other suggestions?
Read Answer Asked by Lorraine on July 02, 2019
Q: Hello 5i team,
It seems to me that interest rates will remain low in the next year or so; in that context, would it be wise to invest in the above ETFs. I would be happy if I got a return of 2 or 3%.
Thanks,
Antoine
Read Answer Asked by Antoine on June 28, 2019
Q: For the next 6-12 months, do you think moving from XBB into CLF or ZPS would provide greater security? Thanks.
Read Answer Asked by Curtis on June 12, 2019
Q: 2 questions - please deduct as many points as needed.
Q1 - according to Portfolio Analytics, I need to increase my fixed income allocation by $90k. I own 4% positions in XBB, ZIC & PMO005 and 2.6% in CPD. Would you recommend adding to one of these or would you suggest adding another ETF?
Q2 - I need to add $125k to International exposure. Current international holdings include XAW, XMI & XEC at just over 2%. Should i add to anyone of these or add something else?
Read Answer Asked by Rosemin on May 21, 2019
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