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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: Hi,
I'm a 35 year old balanced/growth investor and looking to add some fixed income to my portfolio. I have mostly dividend and growth stocks in our portfolios and looking to balance our asset allocation. Currently I manage my margin, RSP and TFSA as well as my wife's.

In my margin, I'm holding some good dividend names, for the div tax credit - FTS, BCE, ENB, CU, TRP, AQN, ALA, EIF, CGX, ENF, ECI, WSP, SPB, PWF, AW/un.TO, SLF, ZDV, VDY, XEI. I contribute weekly to my margin and have been regularly adding to ZDV, VDY, and XEI (questrade allows free ETF purchases which is nice). Do you think holding ZDV, VDY, and XEI is necessary or should I consolidate them? The MER's and sector weights are slightly different in each ETF. These ETFs are my biggest holdings in my margin and I know holding ETF's come with a MER cost, so I have added some of those other mentioned individual names. Is this too much overlap and should I be adding to more growth names vs dividend names?

Between both of our TFSA's, we have many growth names that you always mention - CRH, TOY, ITC, KXS, SHOP, SIS, GUD, CCL.B etc, which I think is setup fine.

In our RSPs, we have more balanced steady growth names such as VEE, ZLH, ZRE, ZWU, ZLB, VGH, VRE, ZWH, XEF, ZUH, ZWA, VUS, VGH, ATD.B, MTY, CXI, PPL, AD, GIB.A, FRU, L, BIP.UN, BPY.UN, NFI, BEP.UN, BAM.A, FIH.U, SJ, T. Do you think there is too much overlap here holding the ETF's and its better to sell some and buy individual names? Also if adding some fixed income ETF's, which names above would you swap out and add for a 15-20 year hold for safety, income and some growth (which I would like to add to my RSP for tax efficiency)?

Thanks!
Read Answer Asked by Keith on March 23, 2017
Q: Hi Peter,

I have the following stocks in my RRSP portfolio with the sector weightings below. What are a few stocks would you suggest buying now for a 5-10+ hold that are medium to high risk to help balance my sector weighings? Thanks for all your help and advice!!

SJ, GSY, ATD.B, PBH, TOY, RRX.TO, SLF, BNS, GUD, CSH-UN, CRH, SIS, CSU, SHOP, PHO

Technology: 31.35%
Healthcare: 20.07%
Consumer Non-Cyclicals: 17.39%
Financial 15.01%
Consumer Cyclicals: 6.16%
Basic Materials: 4.44%
Industrial: 3.60%
Energy: 1.97%
Read Answer Asked by Andrew on March 22, 2017
Q: Please give your latest thoughts on Sirius XM Canada XSR.
The question database is sparse, so some background and updated info on present situation and future prospects would be appreciated.
It now has a 5%+ dividend rate that looks attractive, but is it sustainable?

We have bought two new cars within the last three years and on both occasions have declined to enter into a contract with them to supply digital radio, so I wondered how many others felt the same way about Sirius, when there are so many free radio stations to listen to. Maybe one has to be a really picky listener with a particular leaning in audio to get the best out of this service?
Read Answer Asked by John on March 22, 2017
Q: I've recently got a large bonus from work which will represent about 15% of my total portfolio. I am building up my U.S. exposure to get to my target level so all funds will be invested in a S&P 500 index fund. Since we are looking at all time highs how would you suggest to deploy the cash. Normally I would not try to time the market but with such a large part of my portfolio I'm wondering if I should hold off for a while or deploy it in three trades over the course of the next 6 months or so.
Read Answer Asked by justin on March 22, 2017
Q: I need some education please. I understand the stock markets opening and closing at set times each day. I believe that anybody can trade stocks during this time period. I do not know how " after hours " trading works. Please explain a few questions on this subject. Who can do this? Where do they do it? What exchanges are involved (simply to North America if it makes sense? How does thins work with IPO's?
Thank you,
Doug
Read Answer Asked by Douglas on March 21, 2017
Q: Hi,

I have four questions.

1) How do you decide on what is the optimal level of EV/EBITDA and debt to equity ratio for different industries (such as high tech, consumer discretionary, financial, industrial, small growth companies)?

2) Can you please recommend some reading material on analyzing company fundamentals?

3) What is your opinion on Adobe Systems (ADBE)?

4) What is your opinion on Amphenol Corp (APH)?

Thank you,
Lai
Read Answer Asked by Lai Kuen on March 21, 2017
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