skip to content
  1. Home
  2. >
  3. Investment Q&A
You can view 3 more answers this month. Sign up for a free trial for unlimited access.

Investment Q&A

Not investment advice or solicitation to buy/sell securities. Do your own due diligence and/or consult an advisor.

Q: In my RIFF, cash from income and some sales are put into the BMO HISA or ZJK to accumulate enough for my annual required withdrawals. My ZJK holdings are only touched if I am short when December comes and I enjoy the 6% distribution. I am flat or slightly to the positive at the current ZJK market price. I am wondering if the rising CDN dollar this year and the possibility of settling CUSMA will eat into the yield on ZJK to the point that the BMO HISA (1.95%) might be the better option this year. What would you do and where would you store the cash needed for annual withdrawals? Thank you for your great service.
Read Answer Asked by Earl on February 05, 2026
Q: Nonresidents withholding tax tariff ,there could be a window to Donald to increase the percentage from the actual 15 % to 20-25 ??
How will this affect the dividends to ETF with some US exposures? Are Rsp totally exempted ?
How could such a move jeopardize the U.S. economy,
Did diverting some fund to. ZWE or other alternative could represent a good defensive move.
Read Answer Asked by DANIEL on June 03, 2025
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.
Read Answer Asked by Sonny on September 19, 2024
Q: Good Morning
I would like to invest some of the proceeds from a recent sale in my RIFF into a bond etf I would like a dividend in the 5% range that would also provide some room for growth.
could you provide 2 bond etf that would meet that criteria
Thks
Marcel
Read Answer Asked by Marcel on January 26, 2024
Q: What would be your top 3 bond ETF picks for both Canadian and US bonds? Is now a good time to put money into these?
Read Answer Asked by Dan on March 17, 2023
Q: To full fill RIF withdrawal obligations, I am seeking high yield vehicles and found HYI, ZHY and ZJK, they all have above 6% yield. HYI is called active high yield bond ETF even has 7.33% yield. Does active high yield more risky than other two? What do you take on these ETFs if you are a yield seeking investor? Thanks. Lin
Read Answer Asked by Lin on January 18, 2023
Q: I noted and likely your strategy to add to XHY for income and possible capital gains. However, when I looked at high yield corp. bond ETFs, ZJK looked better overall. There is also the matter of CAD hedging. I'm looking to park cash for my 2023 RIF withdrawal this December and I've been using the BMO HISA for this. Can I have your opinion on using ZJK or XHY instead for about 2% higher income?
Read Answer Asked by Earl on January 12, 2023
Q: Could you please recommend at least three Canadian products (stocks, etfs, bonds, whatever) that have an annual yield of at least 6%, but are ‘lower risk’. If you could list them in order of least risky to most that would be greatly appreciated. Thank you.
Read Answer Asked by Toge on November 24, 2022
Q: Hello 5i
This is a mixed bag inquiry. Looking for some perspectives on the above watch list. I m wanting to increase my overall US & tech sector exposure plus add to my CDN financials. All positions have yield income to weather the storm for the next few quarters
I m considering half positions (2%) in each.

Read Answer Asked by Brant on March 13, 2020
Q: Please rate these as BUY; HOLD; or IGNORE. My purpose, of course, is market down turn protection.
Read Answer Asked by Terry on August 26, 2019
Q: I bought this etf when it launched October 2017. Even though the volume has been frightening low, I'm comfortable with the channel it trades in, and I like the income. With shrinking global growth and debt concerns can this etf survive or should I sell now while the unit price is near the top of its channel?
Read Answer Asked by Patti on February 13, 2019
Looking for more? Sign up for a FREE 14 day trial! No credit card required

We invite you to sign up for a 14 day free trial of 5i Research!
Experience all the benefits and tools we have to offer; stock research, model portfolios, Q&A with our experts, and so much more. Join a community of like-minded investors today!