2024 Cash Parking “Safety” ETFs: LOW RISK & 6% Yield | Emergency Fund Options!

[@balahmay]

Well I am just an amateur US investor. When I look at CSHI, my info source says it has dividend yield of 6.22%. Then I look at that nice monthly pattern it seems attractive. But then I zoom out a bit and you see the average value has gone down about 1% over the last year. So to me CSHI is a 5% return investment. Similar with HIGH the dividend indicated is 9.72%, but there is average decrease in value of about 4% over the last year. Again, to me that is a 5% return investment. BUCK appears more stable but it did take about a 2% excursion south over the last 6 months. It seems to have recovered lately and the yield from my source is 5.68%. THTA has a fairly stable monthly pattern but only 4 months of data with a 7.19% yield. I have been using SGOV (4.13%) and USFR (5.24%) for cash parking. I like that they are not averaging down and are not so over engineered on how they work.

[@DP52001]

This is a great comment - from one investor to another, I can tell you've done your homework. Thanks!

[@PassiveIncomeInvesting]

no its not accurate at all....

[@PassiveIncomeInvesting]

im glad you admitted form the get go you are an amateur. dont take this the wrong way but yes you are. please go on the each funds website and look at the performance since inception. its right there in black and white. no need to guess and estimate like you are doing. Highs return is almost 7% and CSHI is over 8% as of end of Feb. . You cannot just look at stock charts and prices and estimate like you did. you will never get a clear picture of the funds this way.

[@alexandreamyot9167]

High simplify 20mars 2023 price 25.14 20 mars 2024 24.48 + 2.4742$ (distribution) = 26.95 26.95/25.14 = 1.072 That 7.02% net not counting the reinvestissment of the distribution into the fund so its should be a little over 7.02%

[@BrianTX409]

Plus one SGOV

[@merdus69]

Great timing for me, since I was looking for something to store away funds in my TFSA against the capital gains tax. Thank you!

[@adamd9166]

Same! We also get taxed on savings account interest, so I bought some cash equivalents in my TFSA so they can contribute to wealth-building but still remain liquid.

[@pleum21]

Thank you so much. I have quite a bit of cash sit on Gic and cash etf in non register. So much tax after I filed my tax. Splt just opened my eyes, I will convert them to splt soon to avoid more tax for next year.

[@lorenzoku5206]

What do you think about FFN.PR.A, FTN.PR.A and BK.PR.A? All three are split fund preferred shares with div yield between 8-9%. Dividend are eleigible dividends so its tax efficient. So you get very low risk, high yield and tax efficiency.

[@substanceo9335]

I personally have ftn.pr.a and it’s great!

[@PassiveIncomeInvesting]

Good options for safety

[@charlesolinger9735]

KMLM is my park cash fund. Managed trend following futures. Non equity. goes up big time when equity sells off a good amount. Also pays a 1 time 8.2% divvy.

[@chrisl.8100]

Love SPLT, decent 6%+ income and NAV appreciation

[@ddzc]

Curious how do you trust your money with a fund that’s only been out for a few months?

[@richardleger4537]

Exactly The same problem I have

[@gregoryclark9031]

i like the HPYM one that pays in CDN$. One concern is how new it is and will it sustain the dividend and hold its capital value.

[@rafald08]

that's my thought exactly .. out of all of these stocks only one (I believe) has been around longer than 1 year. I'm not saying you shouldn't invest your emergency found into these. Only thing is they are extremely new

[@andyhermiz3075]

Thank you ❤❤❤ your so gifted I believe God created you to help us come out of this rat race 9 to 5 job and I will be forever grateful for you and your wife.. thank you for all the efforts you putting In helping us.. God bless you Adrian 🙏 ❤❤❤

[@MrMasterNorris]

Preferred shares usually underperform. They’re like a stock bond hybrid. They pay out first if the company goes bankrupt which frankly, isn’t a concern for index investing

[@khan200us]

Any US alternative for HSAV where there is NAV appreciation and no distributions payout?

[@JeobanyPatt]

Question does rate cuts affect the yeilds to or etf's?

[@ddelmarsmith]

I think you may have compared ZWP instead of ZPW. Very different ETFs from BMO.

[@johnveilleux7687]

I noticed that too, but the good news is that ZPW charted even better.

[@moresugartradercc2744]

I'm happy with SPLT that works fine for me for short term savings

[@Papineau7614]

Nice video Adrian. Very clear and informative. Thanks !

[@fivestar6015]

I get callable agency bonds through Fidelity. No state/local taxes. To get +6% yield you have to buy 10, 15 or 20yr duration bonds; however, since the Fed's next move will be a cut (as opposed to a hike) these bonds will never make it to maturity. In fact, mine keep getting called at their first call dates, so I just keep rolling the money into new issues. I've got 6.5% bonds that can be called after 1 month, 6.25% bonds callable after 6 months and 6% callable at 12 months.

[@louissilvestre1395]

its actually an easy fix -- to keep the usd currency .. just purchase the the etf on canada and move the etf to the usd side -- when you wish to resell move it back to cdn then sell

[@gimusk5667]

CBIL all day!

[@g.ajemian4968]

Will these drop as interest rates drop or will the options maintain a similar distribution rate

[@likeicare300]

They'll drop except 1st one

[@LadyLuck-iv2zd]

FFN preferreds at 9.35% for the win.

[@bran1214]

adriano thanks for everything you don’t know but i start investing because of you it may sound cheese but i’m an immigrant in Canada and you teach me a lot thank you bro

[@ukmarnabil5898]

That, Banc Corp and perhaps some others paying higher yields I can buy myself with no MER have me questioning why go with SPLT ? Is it simply to reduce risk ?

[@ddzc]

How is ffn low risk when the chart shows this fund being extremely volatile and down 67% since inception.

[@JohnPartyka]

Don't buy it! FFN has only paid about 4 monthly dividends over the past few years.

[@codetwoAJ]

Excellent vid. Thanks! Question, in a non-reg account will there be withholding taxes from USD HPYM.U or is that taken care of by the fund and reflected in the yield. ?

[@PassiveIncomeInvesting]

taken care of

[@randalxu4889]

Thanks for the video Adrian! Yes, cash ETFs are very useful information. BANKs always want to lock in our money for long term with low interest rate. No point of giving our hard earned money to them. Still like SPLT to Canadian dollar and HIGH for US dollar. These are my go to funds.

[@PassiveIncomeInvesting]

well said. Banks just turnaround and invest or lend out the money for more interest. makes no sense. better to buy the bank!

[@likeicare300]

Theres also PDIV similar to PAYF & ZPAY

[@yvonneh5334]

Thank you, Adrian. I have some cash to park for the short term. Just got some good ideas from you.

[@PassiveIncomeInvesting]

Happy to help!

[@lima4554]

Hi I have follow you invest heavily in qqqy, which share price has dropped so much. Do you concern it will go to zero and reverse split will happen eventually 😢 . What you think, give a comment, be greatly appreciated.

[@binawade9759]

I appreciate you making this video. It’s so helpful. Thank you.

[@dwaynecunningham2164]

Thanks dude. Great information to throw into the mental tool box.

[@patrickbelanger6253]

One of my favorite you have featured is PAYF (8.83%).

[@titchglover2601]

splt looks great! why is the fact sheet so vague in information. 6.1% is really good and its safe. I have used etf cash now switched it to cbil why is splt so good ? what is the catch? going to check your video on it. thank you and good luck!

[@sigor2011]

Why did you switch? I'm still in SPLT. Seems perfect fund for stress free money.

[@titchglover2601]

@@sigor2011 the cash etf dropped its yield so I switched to etf cbil slightly higher. I'm looking at splt seems better although mer fee seems high.

[@fredchan5811]

Tres has been dropping like a rock. Any idea?

[@catherinedesilets8960]

Great places to park emergency fund! Wish I could convince my mom to do that (she only trust her bank & it’s giving her $0 in interest) ..

[@PassiveIncomeInvesting]

you can only lead by example C. people need to make their own choices

[@jodimorrison]

Can you please explain clearly what HIGH 's returns are as I don't understand why the buy price chart has eroded down. New to all this and I understood this was a safe cash holding etf. Why does its stock price chart look so much different then say PSU.U? Please make a video Much appreciated 🙏

[@PassiveIncomeInvesting]

look st the total returns, not the stock price

[@malcolmdsouza8527]

? In your comparison chart ZPW to PAYF. Not ZWP. Thanks for this video.

[@photoMorg]

thinking of SPLT I need to hold money for the tax man next year and want to separate these monies from other monies I have in cash account and by the end of the year it should be a 6 figure tax bill I don't want a regular interest bearing money market fund so this should be more tax efficient.

[@bananahead44]

Is there withholding tax on the MPAY since it's paid in US $?

[@likeicare300]

Awesome video, BUCK is definitely interesting if they keep the dividends, not sure if they changed the staregy to be like HIGH but yeild jumped from 5% to 11% which is interesting

[@efullname]

Knowing what you know now would you have parked your sell of condo money or you won't change a thing? Your answer would be helpful to those who are thinking of selling their house for financial freedom.

[@PassiveIncomeInvesting]

i dont park my cash, i invest it all

[@cedricparker4431]

Does the high monthly yield off set the expense rato for this ETF or any ETF if you'll planning to hold long term?

[@PassiveIncomeInvesting]

yield is NET of all expenses

[@richardleger4537]

Î’sent zmmk or cash the safer bet. I don’t see a straight line here What if you need the money when the market takes a beating and drops 30 percent

[@JK-rv9tp]

A big crash is inevitable with the size of the bubble we are in. I have a huge block of funds in my cash flow portfolio in SPAY with some MPAY and LPAY as a rate cut hedge, also HGY, which is not a "non-volatile" asset, but is an important disaster hedge.

[@roberttaylor3594]

HPYM is fun to say, so that is a good selling point; my buying strategy is not sophisticated. I have a irrational block against putting money in my savings account at CIBC into an ETF...safe as it may be...too far away from being hidden in my mattress, maybe... I'll watch it again in a day or two and try to get over that! ;)

[@jaypaladin-havesmartswilll5508]

The HIGH ETF is very attractive to park money for short term goals.

[@johnsonch7292]

the shareprice declines bad in just one year.

[@ddzc]

I kind of like HGY which is at 6%.

[@gregoryclark9031]

HPYM has very low volume. Adrian, does liquidity ever concern you in any of these ETF's?

[@PassiveIncomeInvesting]

no

[@ron_m255]

How easy is it to get your cash when you need it from the US market funds? Also you could still lose money in these funds, correct.?

[@PassiveIncomeInvesting]

easy

[@DP52001]

Thank you for sharing yet another great video!

[@sititakhar5079]

So i just got my dividend for mpay and unfortunately it was in CAN$ whereas I thought it would be in US$ :(

[@PassiveIncomeInvesting]

maybe it was automatically converted.... you need to contact your broker for them NOT to do that

[@1JJONES]

BEPR!

[@Canada1989]

Where you get this data from And how you analyze I am new to stock and etf investing want to know waiting on your reply. Please share!!

[@miennam2296]

Bank saving account safety

[@SummitMan165]

Good video again !

[@danivasquez423]

Great video thanks 🙏🏽

[@satstacker6306]

My favourite out of your list has been zpw 22% total return in 2023.

[@user-zx8db8sf2t]

Buy short term US treasuries and do not worry about acronyms

[@yabeenbamboozled5067]

THTA from SoFi is a hidden gem. Not much track record, but looks very promising in terms of risk/reward for simple cash parking

[@PassiveIncomeInvesting]

im tracking it closely

[@davdride4850]

Great low risk funds

[@harsharao3555]

Just Park it in SWVXX or SPAXX and keep writing cash covered puts at least 20% out of money. For around 10k in those you can make extra 100$ per week writing cash secured puts! Even if we pick safe stocks like UBER, ABT, MRK, BMY, etc...

[@RB-hl3ux]

😊Lookin Good😊

[@ddzc]

Any similar funds like SPLT with the big banks or other institutes with a longer track record?

[@user-pm6mz3cg6r]

SPLT is the only split corp preferred share ETF in Canada, no other options

[@PassiveIncomeInvesting]

track record of the middleman does not matter, whats inside matters

[@lvelylyfe5178]

Great content and very helpful info! However, please stop jumping back and forth, scrolling and highlighting between windows so much! Very distractive. I wish I could give the video some Ritalin.

[@PassiveIncomeInvesting]

feel free to slow it down using your settings if its too fast for you..

[@michaelrhodes6461]

Damn bro,where were you 20 years ago.Better late than never I guess

[@chestersalazar-e9f]

first

[@DerivCapital]

THTA is not a copy cat to HIGH ...its better

[@PassiveIncomeInvesting]

howcome?

[@DerivCapital]

@@PassiveIncomeInvesting HIGH is writing crd spreads on crap like gold etfs and TLT which has no juice in their options THTA writes Iron Condors on SPX NDX and RUT index thus throwing out 13% annualized returns giving you a better risk vs reward ...HIGH is taking too much volatility risk just to be throwing off a 6%- to MAYBE 7% at best return .....of the two ETF's your getting mor bang for basically the same amount of Volatility risk for everything HIGH is doing its yield should be more ...but i own BOTH and own CSHI also which is prob the most stable of the three anyway time will tell but THT is paying (the investor) for its added risk ....HIGH shouldn't be on the same level as a BOXX or SGOV or TBIL but it is