ZQB
BMO HIGH QUALITY CORPORATE BOND INDEX ETF
stock TSE

Good morning everyone,
I hit my annual return targets on my FHSA and RRSP earlier this month. To get there, I’ve kept roughly 50% of each account in more aggressive positions while parking the remaining 50% in CMR.
For the last few years, my strategy has been to hold cash-like ETFs such as CASH or CMR while waiting for good setups. When something attractive comes along, I rotate out and reinvest. It’s a bit active and not for everyone, but it’s worked well for meeting my yearly targets.
Over the holidays, I’m planning to de-risk both portfolios and likely stay conservative until around March or April, when my tax return comes in and I can reassess opportunities. I’m aiming to purchase a home in fall 2026, so the focus for now is preserving capital while still earning modest, steady returns.
The challenge is that yields on CASH and CMR have dropped to the point where they’re barely outperforming my high-interest savings account, which also has no management fee.
I’m looking for alternatives. What low-risk ETFs in the \~4–5% range would you consider good parking options right now that are relatively safe? I’m currently evaluating products like ZQB, BBB, and ZBI, but I’d love to hear what others are using for short- to medium-term stability.

Good morning everyone,
I hit my annual return targets on my FHSA and RRSP earlier this month. To get there, I’ve kept roughly 50% of each account in more aggressive positions while parking the remaining 50% in CMR.
For the last few years, my strategy has been to hold cash-like ETFs such as CASH or CMR while waiting for good setups. When something attractive comes along, I rotate out and reinvest. It’s a bit active and not for everyone, but it’s worked well for meeting my yearly targets.
Over the holidays, I’m planning to de-risk both portfolios and likely stay conservative until around March or April, when my tax return comes in and I can reassess opportunities. I’m aiming to purchase a home in fall 2026, so the focus for now is preserving capital while still earning modest, steady returns.
The challenge is that yields on CASH and CMR have dropped to the point where they’re barely outperforming my high-interest savings account, which also has no management fee.
I’m looking for alternatives. What low-risk ETFs in the \~4–5% range would you consider good parking options right now that are relatively safe? I’m currently evaluating products like ZQB, BBB, and ZBI, but I’d love to hear what others are using for short- to medium-term stability.