Investment Q&A

Q: I am an income investor seeking capital preservation over capital appreciation. I am thinking of purchasing some or all of these ETFs. Do they meet my requirements? How would a downward market correction affect these ETFs?
Thanks for your assistance

Q: Currently I deal with several brokerage firms. National, TD, Scotia, Royal and MD Management. This has been an evolution but dealing with so many accounts is a bit cumbersome. I am looking at consolidating into one House. I.e. MD Management. Can you give me your thoughts on dealing with only one firm and any insight you may have on MD Management? Very difficult to get a handle on MD since they are the financial arm of the Canadian Medical Association and as such are private. I enjoy dealing with them therefore the reason for favoring them. Thank You

Q: If rates including mortgages rise in 2018 which specific stocks would be the anticipated winners?

What would an extra 2% added to mortgage rates do to the Canadian economy? Also is there a correlation to high rates with certain commodities?

Thanks

Q: I'm worried that there will be a severe market crash in 2018, and therefore I think I should hold a high proportion of cash (35%, perhaps as much as 50%) in my investments. Do you agree that this is a reasonable thing to worry about in today's environment? Can you recommend a good, safe place to keep lots of cash, where it will earn at least a little something?

Q: With dividend paying stocks that I plan to hold for at least five years, what is your opinion regarding signing up for the DRIP program?

Q: HI there 5i
Along with portfolio reviews, does 5i have financial advisor services?

Q: In need of a lesson.Please explain the price of 0.18 on a warrant giving you the right to purchase a share at 0.30 when the share price is 0.34.Does the warrant not price the shares at 0.48?Thanks for your insight.

Q: Hi everyone.
I have several questions so please take as many credits as needed.
1. Can you recommend an ETF for Japan? Several experts have recommended diversifying out of NA and into Japan.
2. Do you foresee a relative shortage in copper supply in the near future? If so, can you recommend a natural resource company that would benefit from the increased copper demand.
3. Do you know of an American equivalent to BNN?

Q: When companies are spun out as VMD was from PHM it takes several days for the changes to appear in a trading account (Neither PHM nor VMD appear in my account, just a "placeholder"(?)). In a situation like this can we typically trade our shares even though they do not appear in the account?

Royal Circle has a "more than one hour" wait at the moment.

(You list the name as Viamed but others list as Viemed).

Q: Peter what is the going rate to pay a financial planner , if one had $250,000 to $300,000 to invest , I am located in the Kingston , Belleville area and so is the Planner I am using .

Jim.

Q: Although this company is not on your radar as it is too small and high risk, can you briefly explain in layman’s terms what this means for the company?
Azincourt Energy Corp. (“Azincourt” or the “Company”) (AAZ.V) announces it has granted an aggregate of 1,410,000 incentive stock options to directors, officers and consultants of the Company and shareholders?
Have a great Christmas everyone!

Q: Hello 5ir,
I own AGU which will be merging wit POT. The effective day of the merger does seem to have been established. I have sold the April 20, 2018 call option as a covered write. What happens to the option if the effective date of the merger is before the option expiration date of April 20, 2018?
My broker did not know and neither did their option desk?
Cheers, HD

Q: Peter and His Wonder Team
How are annual portfolio returns calculated? I thought I knew but now am not sure. I thought Dec 31 was the date that everyone did there mathematics...measuring the difference that occurred during that year. Are there other ways? For example can you just use any day during the year that your portfolio hit its high and use that number? In other words is there accounting consistency between the financial institutions and retail investors or is there a little manipulation for marketing purposes? Thanks for the clarification.
Dr.Ernest Rivait

Q: I've been a member of 5i for about two years and your help has been substantial. Thank-you. I currently own a portfolio that closely mirrors your balanced portfolio.

My question today relates to one asked recently about Warren Buffet's wishes regarding his investments should he die. I believe it was somethink like 10% to short term bonds and 90% to the S&P 500. I'm seeking advice regarding what a kind of portfolio a Canadian should develop in a similar situation. My wife has no interest in day to day stock analysis. Should she inherit our portfolio, I'd like to construct a 'buy and hold' ETF portfolio, in addition to our current portfolio, with exposure to Canada, the United States and the rest of the world. This would comprise the equity part of a more complete portfolio. Hopefully, it would have the potential to show resonable gains with little attention by the owner. My question is: which 3 ETF's would you choose to gain exposure to the 3 markets for a Canadian who simply wants to buy and hold? What % would you put into each ETF?
All the best to you and your families for the holiday season.

Q: Hi

Why the brief halt on BTL yesterday? “Circuit breaker”? If so what is the criteria they use.

Q: Hi 5i,

I'm a younger guy (mid 30s) who's fortunate enough to have saved hard and basically paid off my primary residence. I'm now looking to redeploy that equity through a credit line, which comes at a cost of prime + 0.5%. Our TFSAs are maxed (aligned with model BE/growth portfolios) and RRSP contributions are healthy, so I'm comfortable with our total equity exposure, but I would like a low-risk income-oriented holding in a new non-registered account that yields enough after tax to offset the cost of capital on the credit segment. Is there anything that comes to mind? Maybe a series of Prefs (neutralizes rate risk assiciated with this strategy) with a few high-yielding equities to bump up the overall yield?

Thanks for your help!

Q: If we are to believe that history is our best teacher, what in your opinion, were the major factors that contributed to the Dow Jones Sell off in Aug 2015 and Jan 2016? Was it mainly global financial events re Greece and China? What are the best tools to monitor the events that could lead to a similar correction? Thanks for your wisdom. Use as many credits as required, as I have 143 left. :)

Q: I have TFSA, RRSP and margin accounts. My TFSA is maxed, but RRSP has plenty of room. I'd like to add another $50K, and was wondering whether I should add to my RRSP or margin account. My hesitation with putting the cash into RRSP is that I may need this in the next 6 months, as we are currently shopping for a house. What would you suggest?

Q: My question is about your answer to Maurice about Biotricity yesterday. What is a decent board? How do you judge the board?
Thanks
Will

Q: Milan's question and comments about Warren Buffet's advice to his wife for investing after he passes away makes me wonder: Since DAY 1 (or there abouts) can you tell if he has beaten the market and if he has by how much?

Thank you for your answer; and thank you for a very good year $$$; and best wishes for a merry Christmas and a wonderful New Year ... in every way.