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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: Hi5I
We are giving our 3 grandchildren $5000.00 each, so they can each open a TFSA account. Our intention is to give them the same amount for the following three years.
Considering the size of the deposit, and the fees for the accounts, your recommendation on where to open the accounts and what to buy inside the accounts would be greatly appreciated.
Thanks MJ
Read Answer Asked by M J on April 18, 2017
Q: Whats your take on Defined Maturity Bond ETF's such as BSJK? As I understand it, bonds in the ETF are held to maturity to remove market value risk from rising interest rates. I've aways used ETFs' for bond holdings. However with all the noise on what rising interest rates can do to portfolio values, I'm currently mainly in cash for my fixed income allocation. Instead of buying an ETF, do you think its "practical" for a retail investor to purchase sufficient holdings to be diversified ( and held to maturity ) in order to to accomplish the same "de-risking" without the MER? And lastly how many high quality corporate bond holdings make it diversified?
Read Answer Asked by Lloyd on April 17, 2017
Q: Dear 5i
What can you tell me about the following in terms of quality , MER and yield .
!-Mutual fund BMO Tact GBL EQ ETF SER F-NL
2-Mutual f. fixed income DYN Active core BD PRIV F-NA
3-Mutual F. fixed income BMO Tact GLB BD ETF SER F-NL.
Are these keepers or can i do better elsewhere ?
These 3 represent approximately 68% of my current portfolio with my financial planner . I`m 62 and plan on retiring in 2 years .The rest of the portfolio is in various growth stock .
Thanks
Bill C.
Read Answer Asked by Bill on April 17, 2017
Q: Hi, I want to Invest some of my cash outside of Canadian and US markets. I would appreciate if you can suggest a few markets with good valuations and potential. I do not want to pick individual stocks, but instead would buy an ETF.
Thanks
Read Answer Asked by Harpinder on April 17, 2017
Q: Hi team,
Just a point of confusion: TD Direct Investing treats CBO, XHY and the like as equities, while in your Portfolio Review these are treated as fixed income. Does this matter as long as one is consistent in their assignation of the sector / allocation? I think it does matter as it changes the perspective of the portfolio as a whole. I would like your opinion.
Thank you
Stanley Cohen

Read Answer Asked by STANLEY on April 13, 2017
Q: The value of this ETF seems to have been holding steady at between $19.50 and $20.00 over the past year. What would make this ETF move higher or lower ? There is now talk of interest rates starting to move up, plus speculation that the Fed will get rid of some of its bond holdings. Are either of those likely to have any effect on value of this ETF ?
Read Answer Asked by Don on April 12, 2017
Q: I own both of these ETFs and want to drop one to lessen my CAN exposure. I'm leaning towards dropping VDY because it is in my TFSA (ZDV is in a margin) and my portfolio would benefit from cutting some weight in financials (VDY is heavier than ZDV in this sector).
Can an argument be made for keeping VDY?

Just renewed! Thanks.
Read Answer Asked by Ryan on April 10, 2017
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