Investment Q&A

Q: Happy New Year. Please provide your top 3 candidates in each of the following TSX sectors - Industrial, Cons. Discretionary, Cons. Staples and Info Tech. Thanks for the wonderful service. Best, Don

Q: I'm pushing 81, my wife is 66. We have CM, CPG, TRP in my TFSA and BNS,CPG,and IPL in hers. What can you suggest for this year? We are more interested in safety, dividends and drips but we would like to keep up with future inflation, so reasonable growth would be welcome.

Q: It seems advisors claim that as the economy recovers 'cyclical' stock will do better: what does this mean--- which are the cyclicals and in which order do they 'rotate'? What is now hot and which will be next and how do experts determine which will come next so as to accumulate and wait for a 'breakout'

Could you please answer and comment. Thanks!

Q: Hi 5i,
You often point out that your investing philosophy is to buy into strength. I assume you mean that you buy stocks that have already performed well for some time. My question is as follows: what's the difference between buying into strength and "chasing heat" which a lot of commentators advise against doing? Thanks for the great work you do.
Robert

Q: Hi: Re: Symbol Question - Answer Symbol shown but the full name of the stock is not. I have addressed this issue before, and I notice that you were always putting the stock name in the answer. I now see that you are no longer doing that. I feel that others can also benefit from you showing the full name in the Answer.

Happy New Year.

Q: Dear 5i,

Quick question about the Model Portfolio: in the column where you show the Return % in the particular month the report is for, do you include a dividend payment in that if one was received in that month?

Thanks and great work!

Q: Our portfolios are now fully in my control, and with your incredible assistance and advice, I am confident that we are going to be just fine. No more sleepless nights.
All the best to you and your team in the New Year.
Thank you for your wonderful service. I salute you.
Happy New Year.

Q: Happy New Year to the 5i team Thank you for the opportunity of renewing my subscription for 2 years at the old price I see many long time members have been doing this

With all the renewals just wondering how you are going to deploy all the excess cash on your balance sheet

Thank you for the wonderful service

Q: Hello,

What would you recommend for sector weightings for 2014 for a moderate to aggressive investor?

Thank you and all the best for 2014

Q: Happy New Year Peter and Staff,
I would like to replace my defensive positions and go into more cyclical stocks for 2014.
Could you suggest your best cyclical stocks ideas going into 2014.
thanks and have wonderful holidays.

Q: My TFSA account has equal weighting with IPL, RPI.UN & OSF.UN. Would FSZ (Fiera Capital Corp) be a good addition?
Thanks

Q: An early happy new year to all at 5i. I would like to echo Tim's request (29 Dec). We need a portfolio suitable for the retired or what is usually termed the "widow-and-ophan" class of investers.

Henry

Q: Peter and Team,

I'd like to wish you all a happy new year, first off. Second, I have owned Tourmaline for a while and had been writing covered calls on the name. I went a number of months without getting called away but finally did in December. It was almost a 5% weighting for me. I also currently own PPY (currently 3.0% of the portfolio) and PEY (Currently 3.7% of the portfolio) in the Natural Gas Sector.

My question is, with the proceeds from TOU should I be trying to get back into TOU? Are there better or other names that I should look at in the sector? Should I put the cash made into one of the names I already have?

Thanks for your thoughts!

Q: My son is planning on purchasing his first home within the next year and would like to take advantage of the HBP (Home Buyers' Plan) which enables him to withdraw $25,000. from his RRSP. Would you please recommend where he could park $25,0000 of his investment within his RRSP to keep it safe and enable him to withdraw it at a moment's notice when he finds the home he wants to purchase.

Q: hello peter,
we have about 80k RESP for two children (one 11 and one 10). We would like to take some risk. please provide 8 to 10 stocks for us to buy and hold. Happy new year and thanks.
yingzi

Q: Hi,

I have just joined and been browsing.

With regards to your model portfoliio, is it possible to add a column to say if it is still a buy or a hold. I mean, at the time of portfolio initiation, maybe a stock was a buy, bur its price appreciation may have made it a hold and not an attractive buy at this time.

As a new member, how can I know if it is still OK to set a portfolio to match your model portfolio?

Thanks

Q: I suggest the portfolio to be added in the new year should be a dividend portfolio. The current model and a growth model would both be directed principally towards the younger crowd. I think there are a lot of retired/older members and we would be left out of the models. Thanks

Q: Thanks 5I for your amazing site! You've effectively replaced my "full-service broker" and done a much better job.
In my portfolio, I hold 100% Canadian stocks. Does it make sense that I compare it's 2013 performance to that of the TSE, rather than the S&P500?
Also, if you think I should have exposure other than Canadian, what do you suggest, and in what amount?
Thank you very much!!!

Q: Retirement Planning Software

In response to a member's question about retirement planning I have used andd would recommend

OTAR Retirement Planner
Mr Otar also has a book called unveiling the retirement Myth
which seems to complement the software

The book gets into a lot of retirement planning topics and the software supports what is in the book. Perhaps a person might buy the book an then decide if he wants the software.

RRIFMETIC

This program is similar to the Otar planner , but also adds
a very accurate income tax component which allows accurate estimation of gross income required I started with OTAR and would have been fine with it ut found that I liked the income tax component of RRIFMETIC.

Both I think are designed for financial planning professionals
but are useable by lay people such as myself.

Websites can be found using GOOGLE. (Otar or RRIFMETIC should work)

I think these products are fairly proced and I would recommend either or both. Otar may be more suitable to start.


Please feel free to publish any or all of the above if you do not have reservations about the products.

Thanks on advance

Q: What Canadian stocks do you think will get the most American interest and might get the most upside next year? I'm looking for investment ideas for new TSFA and RRSP money in January.

Thanks Peter for your invaluable advice! Happy Holidays!