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Investment Q&A

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

Q: Hello team,

Just wanted to ask what you think of STNE for the long term? Is this SQ of Brazil/Latin America? Can it compete effectively as a disruptior?

It fell significantly after Itau Unibanco, a large Brazilian bank, said that it will begin to advance credit card payments to merchants in just two days as opposed to the 30-day industry standard. It might fall even more once its lock-up period expires on 23 April.

I appreciate it if you can comment on its moat, market, and management? Would you be a buyer at the current price, given their current balance sheet and future growth? Or would you wait for the dust to settle?

Many thanks!
Read Answer Asked by Saeed on April 24, 2019
Q: Hi .... There seems to be a lot of attention these days around new IPO's. One that caught our attention the other day is LUCKIN ..... China..... going up against the Gorilla known as SBUX. This is a 2 part question:
1. What are your thoughts regarding the appeal of Luckin as an IPO?
2. In order to be "allocated" shares on an IPO are there any specific guidelines or rules that apply? E.G how big an investment is required to have a chance of getting IPO shares or is this a investing/trading opportunity more limited to the BIG GUYS with deep pockets vs the average smaller retail investor.

Thanks for any insights you can provide here.
Read Answer Asked by Donald on April 24, 2019
Q: Good day 5i and happy Easter to all.my current allocation to global equity is 25%of which 7% is mpcf and 18% xdg..I am retired with a divided and growth profile.do you like mpcf as a so called way to have an alternative weight to portfolio or as I am considering dropping it in favour of more yield and add to xdg? And also do you think xdg offers good value at 21$ or would you wait for a pull back? Your input geatly appreciated.tks Larry
Read Answer Asked by Larry on April 23, 2019
Q: Knowing Sapiens of 5i - 2 questions - do you think that over the next year some increase in exposure to emerging markets is appropriate and would you use VEE or XEC if so and IEMG for US dollar exposure or another US ETF - second might a reduction of exposure to Cdn banks seem reasonable over the next year (ie sell some TD and maybe some BNS) and buy some SLF or another financial Cdn equity for some greater torque - in other words do you suspect the banks may stagnate a bit over the next year and become income only to some extent - best guess please - appreciate your instincts - Ken of Yonge and Eg
Read Answer Asked by Ken on April 22, 2019
Q: Hi, thank you for the article on international stocks and the portfolio analytics.
I am now trying to decrease my Canadian home bias (40% to 25%) by increasing my international exposure (20% to 35%) and maintaining my US at 40%. My wife and I own XWD, VE and XEF in our TFSAs. I was thinking of selling XWD and adding VEE or VWO (RRSP) and/or VDU or VEA (RRSP). The switch to RRSP additions is to benefit from US withholding tax exemption.

Could I have your thoughts on the above changes. Is there too much overlap in owning all four ETFs? Could I simplify to one, two or three?

Thank you.
Read Answer Asked by Dave on April 17, 2019
Q: I have owned Nexa for over a year it is down but the dividend is good.
reading td webroker seems like there is extensive positive commentary but I must confess I am not sure if holding on to Nexa is the right thing,
It represented just under 2% but has fallen to 1.4%. Seems like a play on Brazil etc as well as zinc. Should I hold and add to bring it up to 2% or let it go. thanks. it is in an rsp.
Read Answer Asked by Maureen on April 16, 2019
Q: CIF 823 is the last remnant from the portfolio of my former financial advisor. How would you assess this mutual fund? Would an ETF (or several) be a preferred replacement?
Your input is always appreciated!
Read Answer Asked by Sigrid on April 10, 2019
Q: My international allocation currently resides with VI and VIU. What are the downsides of switching these two for VIDY for more yield?
Thx.
Read Answer Asked by Brad on April 10, 2019
Q: I hold some ING in my US margin account and was puzzled by this statement from the ING report of Feb 12, 2019

Proposed dividend of €1.10 per share
In line with the Group's dividend policy, a proposal to distribute a dividend of €1.10 per share will be presented to the Annual General Meeting of shareholders on 11th June 2019, representing a distribution rate of 36%. This dividend will be payable in cash or shares, according to the holder's preference.

Is this an annual dividend?
If not annual how often is it paid?
Is one share of an ADR = one ING share?
In USD should I consider that about $1.25?

Thanks....
Read Answer Asked by Ronald on March 27, 2019
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