Thoughts on CASH.TO instead of a HISA or GIC? - Reddit

Thanks for your info. That's quite a sizable emergency fund. I'm still bouncing around ideas, as these hisa etf's could drastically drop their rates within a few months depending on where …

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HISA Vs CASH.to : R/PersonalFinanceCanada - Reddit

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HISA promotions at the banks have been annoying. get 5% for a limited time if you open a new account here or lock yourself into a 1-year GIC for the same interest rate.Can easily move …

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Is CASH.TO Still The Move? : PersonalFinanceCanada

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May 18, 2024 · For TFSA, yes CASH.to is still a good option but for non-regular, I would argue that HISA ETFs being less liquid, WealthSimple Cash if you can get at least 4.5% would be a …

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Why CASH.TO Instead Of HISA? : R/Wealthsimple - Reddit

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With the recent yield drop of Cash.to (plus fees), would it not be a better to simply move the funds into a WealthSimple HISA and get 4.5% guaranteed? It also provides greater flexibility and …

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Question About CASH.TO - Canadian Money Forum

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Nov 15, 2012 · Depending on where inflation goes, these nice rates could go away relatively quickly, so I would still think a GIC is not the worst idea if you are really wanting that 4.5-5% …

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Cash.TO Vs GIC Vs Wealthsimple Cash : R/Wealthsimple - Reddit

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Oh. Are you able to put more money into that GIC at the same rate? If not, then the 6% is irrelevant to your future decisions because it's no longer an option for new money. You would …

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FAQs about Thoughts on CASH.TO instead of a HISA or GIC? - Reddit Coupon?

What's the difference between a Hisa and a cash-to ETF?

CASH.to and HISA basically do the same thing. They are both HISA ETFs that give you interest income from cash deposits with the big Canadian banks. I just chose HISA because it had a higher yield, on a current net yield basis. Comparing gross yields (CASH doesnt show net yield), HISA is 4.49% and CASH is 4.39%. ...

What's the difference between Hisa & cash?

Comparing gross yields (CASH doesnt show net yield), HISA is 4.49% and CASH is 4.39%. There is the 30 day Notice account at EQ, it was 5% but they are lowering it to match BOC, probably will be at least 4% going forward. Use of this site constitutes acceptance of our User Agreement and Privacy Policy. © 2025 reddit inc. ...

What is a good Hisa rate?

If you're looking at standard HISAs the best (non-promo) rate you can get is 2.5% - 3.0%. CASH.TO is 5% so a real step up. I have td HISA 8150. Its paying 4.05% Are you referring to cash.to? It lost money? Also, if if major banks default and need cdic we have a bigger problem than worrying about 50k in cash.to ...

What's the difference between a Hisa and a cash-to bond?

It's forward yield and tailing yield are basically identical at ~3.47%. What you are purchasing is the stability against flux and change and that is the point of bonds. CASH.TO on the other hand is directly tied to rates as HISAs will follow policy rates (with some lag from banks). ...

What are the pros & cons of a Hisa?

Cons would be slightly less % APR and that the 'cash' is not as liquid as if it were in a HISA (could take a couple of days to sell and deposit to your bank account). Anyone investing in this? Thoughts? I guess some Pros would be that it is not locked up like a GIC. which means you rate is not secured at any time, it could be 4.5%, 3.5% tomorrow. ...

What is a good alternative to a Hisa?

CASH.TO is the alternative to HISAs, because it is HISAs, just packaged differently. It is not fixed income alternative because it is not "fixed" income. If holding emergency funds and wanting to get the best rates without constantly shopping around, then CASH.TO is a great alternative to make things easy and package within TFSA, etc. ...