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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 hold CNR for over 10 years and its percentage in my Canadian portfolio has grown to more than 10%, Is it time to take some profit and reallocate the proceed to resource sector that is currently under weighted in my portfolio?
Thanks,

Martin
Read Answer Asked by Martin on May 31, 2018
Q: Hello 5i

I read and consider your advice as very insightful. You often urge us - and demonstrate through your own model portfolios - that one should not overweight a company too much.

At present the stocks I have identified are all at or just over 7% of my total portfolio. To me, they are all “keepers” for the long haul. Still, they weigh heavily on my portfolio which is balanced with many other stocks sitting at around 5% weighting in my portfolio. Obviously I keep my holdings down to a manageable number and am not a trader.

Do I just ride the winners and be aware of the danger involved? Each of my mentioned stocks are up over 100% so I’ve got some space to “lose” money in a market downturn.

I do not need the money. Indeed, the capital gains on too many sales would put me in claw back territory.

Please deduct as many credits as you wish.

Best

Peter
Read Answer Asked by Peter on May 28, 2018
Q: Hi, I am trying to raise some cash and reallocate for buying a new position ( TCL.a).
Most of my holdings have done well ( many same as Balanced and a few from Growth 5i Portfolios) with moderate to sizable gains since inception with the exception of above names ( Negative YTD Only). I like the prospects of some of them with portfolio weights TOY (3.5%), SIS (3.5%)and SJ (2%).
BCE and ENB are fairly old holdings with 3.5% weight each and have not been acting well for a while. Over past few months, I have sold all KWH.un and most of ECI
( reduced to 0.75% weight), due to rising rates and other company specific concerns. DOL (1.25% weight).
Will it be reasonable to eliminate ECI and DOL (small positions) and/or reduce BCE/ENB ( BCE more due to muted growth prospects and ENB due to its high debt and pipeline sector concerns).

Thank you for your valued advice.
Read Answer Asked by rajeev on May 28, 2018
Q: Thanks for the great service. I have a general question I hope you can answer for me. My understanding is that when a person passes away, their investments are deemed to be sold on the date of their death for tax purposes. However, can these investments, (stocks, mutual funds, ETFs, etc.) be transferred directly to the beneficiary (not a spouse) without being sold? And would this be true no matter what type of account? (Cash, RRIF, or TFSA)
Thanks for your help.
KEN
Read Answer Asked by KEN on May 25, 2018
Q: For the last few days I have not seen your TSX stock feed update (bottom of home page) is it my settings or yours?
Read Answer Asked by Gerald on May 18, 2018
Q: TCN,SIS,DRG.UN
Are their earnings good enough .Is it ok to buy more? Thanks
Read Answer Asked by Francis on May 14, 2018
Q: Hello

Could you comment on FRII, HLF and Telus quarterly earnings?

Thank you
Stephane
Read Answer Asked by Stephane on May 11, 2018
Q: I am looking for the next Amazon or Constellation to put way for next 5 years.Can I have your thoughts on this. I was thinking of the two I mentioned along with SHOP, MSFT, BABA, 10 CENT, TESLA. What other names ? What do you think ? RAK
Read Answer Asked by bob on May 07, 2018
Q: Hello 5i,
Not a question, but a response to the question around Estate Planning. I am not a financial planner or tax expert so my suggestions need to be read in that context.
Firstly, for the grandchildren: would RESP's, TFSA's, RRSP's etc, be a viable option to help provide for them on an on-going basis starting now? This would also allow you to craft their portfolios as you wish.
Secondly, as they get older you could provide them with a small non-registered account and work with them on it - some grandchildren (or their parents) might show some interest, some not.
Another consideration would be to name each of your children/grandchildren and other beneficiaries as direct beneficiaries on each of your accounts so that the holdings (or funds) would transfer directly to them upon your passing. Percentages could, I think, be arranged so as to look after a spouse or other loved one on a priority basis. This part I am not clear on. Again, I am not any kind of specialist and know very little (ask my wife & kids, they'll back me up on this).
The direct division of an estate via the beneficiary route will help reduce Probate fees - and in B.C., this is a huge tax as compared to other jurisdictions.
My guess is that this kind of question will become more pressing as we 'Boomers' reach our "Best Before" dates and start to seriously consider Estate Planning and wonder how to best provide for our families, loved ones, favourite charities, etc. while trying to minimize the inevitable tax hit.
Sorry for the length of this post but it is just a collection of random thoughts as I thought about the question.
All the best,
Cheers,
Mike
Read Answer Asked by Mike on May 07, 2018
Q: Just a quick comment on Victor’s frustration with Globe Investor’s watchlist. I agree that the re-design is clumsy and not user-friendly at all. You can delete stocks though. Go to far right and you will see 3 little bullets. Left click on the bullets and you will see a new menu. Highlighted in red is Delete from Watchlist.

I actually don’t use Globe Investor watchlist that much. Sometimes in the evening for a leisurely look. My main watchlist is from my bank brokerage (TD Dashboard). I would assume all brokerages have something similar. It is live data and I probably have 300 stocks on my watchlist or lists. I set up about 10 lists by sector which gives you a much better reading on the ebb and flow of the markets and sectors during the day.

dave
Read Answer Asked by Dave on May 03, 2018
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