Investment Q&A

Q: Good morning all; I've a two part question for you, First, the listed investments are in a RRIF. The current plan is to extract only dividend income, and have some modest stock growth.

I have funds for one more position and I'd like 3 of your suggestions that would add decent dividend income with modest growth of stock value.

Second question is about XLB. It was originally purchased as a post-inflation investment looking for some appreciation as rates declined. While Canada may get a bit more downward adjustment I believe Trump policy will be inflationary. What would be a sound replacement, meeting the dividend and growth goals for the account?

Thanks as always.

Dave

Q: I have a lot of cash and am planning to trim some tech stocks.
I have no ETF.s or bonds in my portfolio. Can you recommend some safe and growth bonds.

Q: Hello,

Considering selling a combination of XBB, XLB, and ZMP and purchasing some CAP REIT. Would you see this as a good move? Or hold the bond ETFs? Looking for a longer term hold.

Thanks!

Q: As per Tom Czitron in today's Globe:

An index ETF of long-term bonds should perform well, especially one with U.S. bonds but with the currency hedged back to Canadian dollars.

Please comment Mr. Czitron' point and name your favorite ETFs if there are such any available currently.

Thanks

Yves

Q: Can you recommend a proxy for zfl for tax loss selling?
Thank you

Q: Hi Peter, looking for a suggestion of where to park $400k (from a house sale) for the next 1 year. Besides GICs and Cash ETFs is there a slightly higher risk play you would consider at this time if it was your own money ? Thank you, Paul

Q: Hello,

Thoughts on long term durations in Canada? Good entry for XLB?

Thanks.

Q: I have recently read that actively managed bond funds or etfs, unlike equities or the same, have a better outperformance history. Can you please comment on this? Would you recommend buying into any and if so could you recommend some?
Also do you think there is more room to run from dropping rates?
Those referenced here are general passive funds.
Thanks

Peter

Q: Building the bond part of my investments. What proportion would you allocate to each of the four indicated. 2-What is the difference between XSB and XBB? 3- Do you consider OK to allocate some XHY as a bond equivalent?

Thanks for your great service.

Yves

Q: Is there a bond crash coming because of high government debt, particularly in the US? How do you see gold and energy markets performing in that kind of environment and are short term bonds even worth the risk? Or is this fear all over done and we just live with debt levels far beyond our ability to ever repay them?

Q: These are some of the bond ETFs you have previously suggested. You have recently noted that, while interest rates are dropping and long-term bonds should ultimately provide the most torque in this scenario, shorter-duration bonds should not be forgotten. Does this suggest that a 50/50 split between longer and shorter duration is best, or would you suggest some kind of uneven split for a retired-income investor looking for stability and reasonable growth? As a general strategy, would you also include some portion be allotted to convertible bonds?

Appreciate your insight.

Paul F.

Q: Looking to add some longer duration bonds with inflation and interest rates dropping. You think this is a good move. Already own lpay, zst and cbil and looking for diversification, any other suggestions are welcome.
Thanks and have a great day.

Q: With the lowering of interest rates, what bond funds to invest in? Bond ETF’s?

Q: Can you please provide your opinion on what happens to floating rate funds as interest rates drop? Do you get a similar appreciation of the bonds with lower rates. I notice this fund is short duration so curious on your thoughts. YTD up 7% so a reasonable return but noticed in the short term with steeper drops it doesnt seem to perform as well.

Curious if a better play would be a longer duration fixed income fund?

Q: Could you recommend 2-3 fixed income ideas for both in a registered and non-registered situation.

Q: Hi,
I'm looking for your sage opinion on how to deploy cash at this point in time. I have enough cash for 5 years of expenses and I'm in my 2nd year of retirement. The rest of my nest egg is in equities, real estate and bullion.

I have been thinking of just putting this cash into a five year GIC ladder and call it a day. But.... rates are already falling on GICs as we speak, likely in anticipation of further Bank of Canada and soon US Fed cuts.

Have you other options for me to consider for how to deploy this cash to 1) ensure a high probability of being able to meet expenses without selling equities in the event of a market downturn, while 2) ensuring a reasonably decent return from this cash over such a long period.

Specifically, does it make sense to accept around 4% as a guaranteed average rate or is there a solid case to make for dividend payers instead of GICs. Open to other and all suggestions.

Thanks for your invaluable service.
Michael

Q: Please provide you input on the pros and cons on the difference between ETF bonds, such as RQQ, with maturity dates, vs ETF bonds, such as VAB and/or XLB, with no maturity dates. Instead of investing in GICs, which you are locked in for a period, RQQ can be bought and sold when the market opens, making it seems to be almost as good as GIC.
Thank you

Q: Good afternoon, I am realigning my RRSP account using geographic and asset type recommendations. The asset allocator recommends that 15% of my portfolio be in fixed income. Can you please recommend a few fixed-income ETFs? Also, should fixed-income holdings be mostly domestic or include international as well? Lastly, would you consider CASH.CA part of the fixed-income component of a portfolio or simply a place to keep cash until it is directed into another asset? Thank you in advance.

Q: With a long term view, what proportion would you allocate to each of the above to make a balanced portfolio?

Thank you

Q: I’m looking to diversify the fixed income portion of my portfolio. I don’t have any bonds/treasuries so was looking at TLT and XLB. Can I get your thoughts on these and others you could recommend?