Investment Q&A

Q: Hi Peter & Team,
Please advise on SDIV (Global X Super Dividend)in RRIF for global diversification
32% US, 65% non-US, 5.2% yield (is this true?), close to its 52 weeks low, 0.58% MER,114 stocks, mostly real estate, REIT and financials. This will replace the money intended for ENB. Thanks

Q: PLZ RECOMMEND A CANADIAN DIVIDEND ETF OTHER THAN ZDV WITH LIMITED OR NO EXPOSURE TO THE OIL PATCH.
MANY THANKS

ROGER

Q: Hello Peter & Co.
Financials represent 7.6% of my portfolio; it comprises BNS, EFN, HCG and TD. I have room for one more holding and hesitate between SLF and ZUB.
Your input is always most appreciated
Tony

Q: do you see anything fundamental to have affected the utilities

Is it ok yo buy some ETFs at the levels?

Q: Could I please have your thoughts on the direction (down) of this fund and whether it is likely to continue. I have held it for years and am now slightly underwater on it - but do not want to lose more.
My objective right now is to raise cash to hopefully take advantage of buying opportunities in some of the areas that have beenb brutalized.

Thanks.

Q: Peter and Team,

This is sort of a follow up from another member's question today on MFR.UN and my questions from the past couple days on bond ETFs.

What is the better choice between HFR and MFR.UN? HFR doesn't appear as volitile but its yield is lower along with lower fees. My head tells me HFR is safer but I'm surprised by the high yield on MFR.UN.

Thoughts?

Q: This ETF seems to be imploding. I really don't understand when I compare to CBO. Your thoughts and comments would be appreciated.

Q: I am considering making having a full position in Canadian energy where my time frame is very very long and I do not want to spend much research time along the way. I just want divviesv without hassle. Is HEE okay for this or is it better to hold a small basket of Canadian companies. If so which ones?

Q: If your belief is that from the bottom of this oil rout some oil equities will double in 24 months time from now, what would be the global names, not just canadian names, you might suggest? Or do you think it's better to buy a global diversified ETF of medium to large cap oil producers? Thank you for your time.

Q: Peter.
Prior to subscribing to 5i I got this recommendation and or suggestion from BNN. It did not take long for me to go underwater for some reason. What ever MER there is on this, is all on top of my losses. Is there anything good about this holding, should I keep them for the long term. My age is becoming a factor now. It is starting to look that some of these suggestions and recommendations go short after a bit. Is this all my imaginations or is there something to it?

Q: Good Morning
I have a very small Oil & Gas holding and would like to gradually raise my holdings to approx. 10%. I am looking at using XEG & ZEO in equal weights. Would you recommend this strategy or do you have an alternative?

Thanks to the hard working Team

Q: Peter and Team,

Of my invested assets, I currently have 2.5% cash, 5% bonds (CBO ishares ETF), and 92.5% in stocks. The stock portfolio is diversified as I have tried to model after 5i methodology. I do have other cash outside of my current invested assets that amounts to the equivalent of approximately 25% of my invested assets.

I have been trying to increase my allocation to bonds a little bit because I like yield and feel like my allocation to bonds should be higher than it is for risk-management purposes.

My question is two fold:
1. I am 32 and wondering what allocation I should have to bonds?
2. Is there a bond or other yield vehicle that is similar to CBO that is exposed to international companies or companies that get earnings from international sources like Brazil, India, China, etc. I like CBO because it is short (less than 5 years) duration corporates.

My expectation is to trim some huge winners in the stock portfolio soon that will give me approximately 5% more of the portfolio to put into my fixed income allocation.

PS. I'd also consider floating rate stuff or things that reset with LIBOR or things of that nature as well.

Thanks!

Marc

Q: hi, what would your recommendation be for a china exposure etf. i heard a talking head say exposure to the shanghai index is best? thoughts? need something liquid too.

Q: It has taken a hit lately, likely due to fear of rates going up. Is a still ok to hold for income or should it be sold to protect capital. Thank you.

Q: Does the lower price of oil increase the risk of default in some of the holdings in this ETF? Thanks, Joe

Q: Looking at fixed income and interested in CBO. Some credit unions, however, are offering a five year GIC for 3.01 per cent. I have always heard that with bonds or gic's you will always get your money back. But, with etf's, it can be a little riskier, as you don't own the bonds directly. Essentially, i am afraid of getting bitten by a bond etf and am thinking about this relatively high paying gic as a solution. Is this a good strategy and do i really need to worry about bond etf's
Thanks claire

Q: Both ETFs have taken off significantly after Nov. 24, the opening of the Shanghai Exchange. Which of the two might have further upside potential, and are they relatively 'safe' as investments?

Q: Do you see any appreciable difference between the 1-5 yr corporate bond ladder etfs issued by i-Shares (CBO) and by RBC (RBO)? Of the two, RBO seems to be closer to a truer ladder as CBO has 36% of its bonds with >5yr lifetimes. On the other hand, CBO is far more liquid and its credit quality seems higher (RBO has 22% BBB whereas CBO has 0%). On the plus side, RBO showed less price decline in the past year compared to CBO. I would appreciate your comment.

Q: Hi 5i team,
I have a core position in ZWB for extra yield exposure to the banks which has performed very well this past year. I have more cash to deploy for yield / "lower" risk and was thinking of starting a new position in either ZEB, adding more to my ZWB holdings or ideally, . starting a new covered ETF that tracks US banks if there is one you are aware of. I look forward to and appreciate your thoughts.

Thanks in advance. Your perspectivce is always helpful / insightful.

Q: Can you please speak to CDZ's interest rate sensitivity given it is a cdn. dividend-grower ETF. So, if we do see gradual interest rate increases in 2015/16 and beyond, what are some possible outcomes/scenarios for CDZ in your opinion. Thanks.