Q: Peter, do you have a preferred discount broker for individuals to use from a fee and service perspective ? I use CIBC w/$9 trades for my bigger account and $29 for the smaller ones. My niece's resp is w/TD and its $29 every trade. It all adds up. Thank you, Paul
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Investment Q&A
Not investment advice or solicitation to buy/sell securities. Do your own due diligence and/or consult an advisor.
Q: Hello 5i,
My question relates to asset allocation (between fixed income and equities) etc.
There are a variety of suggested formulas for determining how this allocation
should be made, most based on factors like age, health, income etc.
Examples include (100 - age = % to allocate to stocks) or
(age x decimal of age = % to allocate to fixed income). There are many others too.
My questions are :
1. Is there a formula that you would recommend
2. In a situation where a couple have non-registered Joint CA$ and Joint US$ accounts,
as well as separate RRSP accounts, should this allocation be applied to each of these accounts,
(or only at the total of all accounts level).
And for the non-reg. Joint accounts, how would you handle an age difference of > 6 years ?
Thanks very much, your advice is greatly appreciated.
My question relates to asset allocation (between fixed income and equities) etc.
There are a variety of suggested formulas for determining how this allocation
should be made, most based on factors like age, health, income etc.
Examples include (100 - age = % to allocate to stocks) or
(age x decimal of age = % to allocate to fixed income). There are many others too.
My questions are :
1. Is there a formula that you would recommend
2. In a situation where a couple have non-registered Joint CA$ and Joint US$ accounts,
as well as separate RRSP accounts, should this allocation be applied to each of these accounts,
(or only at the total of all accounts level).
And for the non-reg. Joint accounts, how would you handle an age difference of > 6 years ?
Thanks very much, your advice is greatly appreciated.
Q: re. Baylin Technologies (BAY-T)
Do you have and more recent thoughts or insights about this co.? The stock price has settled into a tight range a bit below the IPO. I see that there are two recent analyst reports: Raymond James has an Outperform rating with a price target of $9.00 and Paradigm Capital has a Buy rating with a target of $13.00. How much credence do you give to these reports? Do these firms have some vested interests?
Thanks for your input and advise.
Do you have and more recent thoughts or insights about this co.? The stock price has settled into a tight range a bit below the IPO. I see that there are two recent analyst reports: Raymond James has an Outperform rating with a price target of $9.00 and Paradigm Capital has a Buy rating with a target of $13.00. How much credence do you give to these reports? Do these firms have some vested interests?
Thanks for your input and advise.
Q: Hello 5i team. I need a simple to understand explaination for the following. When a company announces the grant of an aggregate of a number of options to aquire common shares at a price of ?/per common shares to certain officers, directors etc.
How does this impact the company share price and finance? or is it just news to attract attention?
How does this impact the company share price and finance? or is it just news to attract attention?
Q: Hi Peter and Team!
As a new member, I have a couple of general questions. Often your members comment on how well they've done thanks to your recommendations. I'm not sure if your actual recommendations are limited to the A and B rated stocks in the model portfolio and the 5i reports. Or, when you comment favourably upon stocks that members have asked about, can these also be considered recommendations?
Also, people refer to "full positions", or "half positions". Could you explain?
And lastly, for sector classification, would you say TRP and IPL are energy or utilities?
Thanks so much!
As a new member, I have a couple of general questions. Often your members comment on how well they've done thanks to your recommendations. I'm not sure if your actual recommendations are limited to the A and B rated stocks in the model portfolio and the 5i reports. Or, when you comment favourably upon stocks that members have asked about, can these also be considered recommendations?
Also, people refer to "full positions", or "half positions". Could you explain?
And lastly, for sector classification, would you say TRP and IPL are energy or utilities?
Thanks so much!
Q: Hi 5i Team. I will be opening a family RESP account for my 3 small children and am looking for 5 or so companies with a good dividend that is likely secure with a bit of a market downturn. The yield is important because we are a 1 income household. We currently do not have any other equity investments.
All the best,
Tom
All the best,
Tom
Q: Hi 5i Team,
Could you please suggest 2 high growth Canadian stocks for each sector?
dividend is not a concern.
Thank you for your wonderful service.
Henry
Could you please suggest 2 high growth Canadian stocks for each sector?
dividend is not a concern.
Thank you for your wonderful service.
Henry
Q: In a very recent article on momentum stocks (not yet posted on this site) Peter Hodson wrote: "Bloomberg has a great function key on analysts’ revisions, showing the degree of earnings estimate changes. It can be an important factor in trying to determine which stocks might catch momentum." Where can we find this? Terrific site, BTW!
Q: Hello 5i
We looking for advice on the order/strategy for adding our 2nd position to your model portfolio. We have money earmarked to add 1-1.5% to each holding which is fairly equally weighted btwn 3-4% depending on the performance. We started your model portfolio with no VRX or AYA in mid November. We also purchased AD(-28%), SJ (+7%) Verizon(-4%), Ambev (-3%) JNJ, Unilever.
We want to add gradually over next 6-8 weeks. Which 7-8 stocks should we start with? Should we start with the ones that are doing best with momentum or the ones that are under performing?
Top performers are: ACQ(+6%), CSU (+15%)CSS, FSV,ENB(+4-5%), ESL and SJ (+7), KBL (+15%), TOU (+17%)
Top underperformer's: AD (-28%), FSZ(-8%), VZ(-4%)
Everything else is up or down slightly from start price depending on day. Could you please advise which stocks to start with and strategy for moving forward. Any other recommendations are welcome. Thank you,
Kerri
We looking for advice on the order/strategy for adding our 2nd position to your model portfolio. We have money earmarked to add 1-1.5% to each holding which is fairly equally weighted btwn 3-4% depending on the performance. We started your model portfolio with no VRX or AYA in mid November. We also purchased AD(-28%), SJ (+7%) Verizon(-4%), Ambev (-3%) JNJ, Unilever.
We want to add gradually over next 6-8 weeks. Which 7-8 stocks should we start with? Should we start with the ones that are doing best with momentum or the ones that are under performing?
Top performers are: ACQ(+6%), CSU (+15%)CSS, FSV,ENB(+4-5%), ESL and SJ (+7), KBL (+15%), TOU (+17%)
Top underperformer's: AD (-28%), FSZ(-8%), VZ(-4%)
Everything else is up or down slightly from start price depending on day. Could you please advise which stocks to start with and strategy for moving forward. Any other recommendations are welcome. Thank you,
Kerri
Q: Hello i5 Team,
Can you recommend sector weightings for a conservative to moderate investor. Many thanks.
Can you recommend sector weightings for a conservative to moderate investor. Many thanks.
Q: Can you explain why IAE Ithaca has gone down. I put in an order to sell it at 2.80 when it was within a few cents and then before I knew it , it dropped. I read the news release about options to directors but I'm not sure I fully understand. Could you put it in lay mans terms. Thank you also do you think it has a chance to get back up to my target price.
Q: Hi
PLI jumped in price on high volume.No news
Someone must know something.
Do you agree?
By the way are you planning any webinars in the near future?
Have a nice weekend.
Hersh
PLI jumped in price on high volume.No news
Someone must know something.
Do you agree?
By the way are you planning any webinars in the near future?
Have a nice weekend.
Hersh
Q: hello Peter:
I am in full agreement with you on the topic of analyst upgrades and downgrades (got to keep people trading). Having said that, how can I trust the very same analysts for earnings estimates? Or, is there a better way of tracking companies earnings that I'm not aware of? I've read that an average of 63% of companies usually beat (reduced) earnings. Your comment please, as this affects the entire stock selection process (obviously).
thanks
Paul
I am in full agreement with you on the topic of analyst upgrades and downgrades (got to keep people trading). Having said that, how can I trust the very same analysts for earnings estimates? Or, is there a better way of tracking companies earnings that I'm not aware of? I've read that an average of 63% of companies usually beat (reduced) earnings. Your comment please, as this affects the entire stock selection process (obviously).
thanks
Paul
Q: Hi 5i Team,
I recently read through "is there a perfect stock" and "selling too early..." in the blog section of the site, great articles. Myself, knowing a lot of the technical analysis aspect of stocks I would like to strengthen my fundamental approach. Could you please give a checklist that retail investors could use, for example, return on equity(ROE). Or even describe your process of buying/selling. It builds confidence to act on buying the dips when you know the fundamentals are strong. Anyways, thanks guys for having the first market advice service WORTH paying for. Keep up the fantastic job.
I recently read through "is there a perfect stock" and "selling too early..." in the blog section of the site, great articles. Myself, knowing a lot of the technical analysis aspect of stocks I would like to strengthen my fundamental approach. Could you please give a checklist that retail investors could use, for example, return on equity(ROE). Or even describe your process of buying/selling. It builds confidence to act on buying the dips when you know the fundamentals are strong. Anyways, thanks guys for having the first market advice service WORTH paying for. Keep up the fantastic job.
Q: Hi Peter
I am a new subscriber and I am not sure if I understand the letter grades in a the reports. Do the "A" and "B" grades mean a good time to buy where the "C" grades mean hold, etc?
Is it reasonable to think the higher the grade the more attractive the value to "buy first"? Thanks. Greg
I am a new subscriber and I am not sure if I understand the letter grades in a the reports. Do the "A" and "B" grades mean a good time to buy where the "C" grades mean hold, etc?
Is it reasonable to think the higher the grade the more attractive the value to "buy first"? Thanks. Greg
Q: What is your view on HAC -Seasonal Rotation ETF?
Q: Peter, I have $15,000 to deploy after clearing my own unsuccessful picks from last year. The rest of my portfolio is as follows: purchased recently ACQ, WEF, CGX, ENB, CSU, STN. These picks are all thanks to you ! And I am already up on almost all of them.
Now, what to do with the $15,000 available capital ?
I am after decent dividend, but my main aim is growth, so I can make up for the loss of last year.
Now, what to do with the $15,000 available capital ?
I am after decent dividend, but my main aim is growth, so I can make up for the loss of last year.
Q: In response to the question about using margin to purchase dividend stocks. I suggest looking at interactive brokers who have the lowest margin interest rates I could find. 1.5 to 2.5 percent based on your balance.
Q: I would like to know what is the rule of thumb for evaluating the risk/reward of using leverage to buy dividend stocks in a marge account. For example, buying BCE on margin with a tax bracket of 50%, what would be the cost/benefit of being charged 4,5% interest vs the 5.03% income in dividend from BCE. Finally, is there a link to a calculator where I could plug in specifics and get an estimate of the limits of scenarios. Thanks
Q: I hold seasonal stocks such as Agrium, can you provide insight into when to sell them and the best seasonal buys right now.