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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: I will soon start to withdraw from my RRSP and I am looking for tax saving ideas. I don’t like the idea that if I was hit by a bus tomorrow (aside from negative outcome for me) that my RRSP would be taxed at 53.53% and my dependents would be left with less than my hard-earned savings. I need your advice and yes I will look both ways before crossing the street. I recently listened to an audio by Allan Schieman where he suggests flow-through shares as a tax saving option. It seems like an interesting idea with some risk. I searched and found a Maple Leaf Fund managed by Craig Porter in BC. I suspect there are many pitfalls here, and I seek your advice and input on two questions i.e, 1. are there any reasonable/recommended flow-through share investment vehicles to help save taxes and 2. How else can I reduce RRSP withdrawal taxes? Please deduct as many questions you see fit. Thanks for your valuable advice.
Read Answer Asked by Danny-boy on July 29, 2021
Q: Hi 5i:

Can the Price to Earnings ratio (P/E) be used to determine the valuation of these yield plays or should I be looking at the Net Asset Value (NAV) instead?

Using P/E they rank cheapest to most expensive as: DFN, FIE, ZWC and EIT.UN. Is that accurate and if not, how would you rank them, cheapest to most expensive?

Thanks in advance,
Greg.
Read Answer Asked by Greg on July 28, 2021
Q: Could I have your opinion on the longevity pension fund. Is it safe? Would it be a good investment for a 65 year old person? Thank you.
Read Answer Asked by John on July 13, 2021
Q: Hi Everyone at 5i! Me again! Somewhere is the archives of my mind I seem to recall the the TD bank offers some decent ETFs or mutual funds to their customers. If this is the case, could you tell me what they are?? Cheers, Tamara
Read Answer Asked by Tamara on June 15, 2021
Q: Dear 5i,
Can you please suggest some Global Small Cap Value ETF's or Funds which are available in either US or CDN exchanges that are worth doing more reading on.
The ETF's can be passive or active.

thanks
Read Answer Asked by Ian on June 11, 2021
Q: What are the pros and cons of the new Longevity Pension Fund recently announced by Purpose Investments?
Read Answer Asked by Paul W on June 08, 2021
Q: Hello 5i Team
Using Nine Point Energy Fund as an example, when the company has three versions of a mutual fund (Series A, Series F and an ETF) how are the portfolios structured? Are the funds structured as three separate accounts (i.e. the portfolio manager purchases the same security in three separate accounts) or are the funds held in one common account (i.e. the portfolio manager purchases the a security in one account) and the returns/expenses calculated as proportional amounts?
Does either method have an impact on fees or the liquidity (using the example where the EFT version is smaller in value than the Series A or Series F) of the funds?
Thank you
Read Answer Asked by Stephen on May 28, 2021
Q: Hello,
This is a general question about purchasing mutual funds... would you please clarify the significance of the NAV .. for instance I'm looking at a fund that shows 116% growth from 2011 to date but the NAV was $20.00 at launch and is currently $13.6797... shouldn't the NAV be higher? Thanks for your help, Jenn
Read Answer Asked by Jennifer on May 27, 2021
Q: Hi 5i Team, I'm looking for a couple of suggestions on (very) good, general mutual funds in the mold -- if I can reveal my age -- of Bob Krembil's Trimark Fund in the '90s. Nothing country or sector specific, just a couple of funds that have exceptional management and consistently good returns. My wife has a small amount in a LIRA that warrants one or two mutual funds at the most (I like active management; I'm not a fan of ETF's for the most part). Thank you for your insights, Pete in Calgary.
Read Answer Asked by Peter on May 25, 2021
Q: Good morning,
Although a big fan and long time holder of all Mawer equity funds in my family portfolio, I'm now looking for the second time at dumping the MAW106 as a core holding given its inability to beat its benchmark index in the last few years probably due in part to its increasing popularity and size.
Would you kindly suggest a suitable ETF and/or a mutual fund replacement for MAW 106 or should I simply add to some my other existing core ETF holdings. I currently hold XIU, XIC, XDV and XEI.
Read Answer Asked by Francesco on May 11, 2021
Q: Hi gang, can you please help me look deep in this
Accounts:
Mfc5786
Dyn3361
Nbn1120s
Eqp107
Che.in
Are this funds good to hold for2-3 years in rrsp accounts. Are this company strong and are dividends safe. Should I keep them. Thanks
Alnoor
Read Answer Asked by Alnoor on April 29, 2021
Q: MAW105 is supposed to be more tax efficient but how can it be since the distribution under that fund is greater than under MAW104 or MAW130.
MAW104 is a fund of funds while the other 2 hold the securities. What is the difference between the global balanced fund and the tax efficient one.
What will be the best one for a non registered account and for an rrsp. Why?
Thank you for your help with this matter.
Read Answer Asked by Monique on April 28, 2021
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