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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’d like your opinion on Investors Group and the financial planning services they provide. Is the consultant commission consistently applied on all products (e.g., mortgage, investment, insurance)? Are the various products available at competitive rates.

Thank you for the great service you provide!

Rob
Read Answer Asked by Rob on December 07, 2017
Q: Good morning!
I have a large position in this mutual fund, about 8% of my portfolio! I have owned this for many years, since it was SDT.UN. My adjusted cost base is probably close to zero due to ROC distributions. I could use some past losses to sell up to 25% of my position...the question is, do you like this fund, should I hold, sell, or ? Thanks very much!
Peter
Read Answer Asked by Peter on December 07, 2017
Q: Hi there
I have followed this closed end fund for quite a while and like its history, set-up and performance. Was thinking of invezring part of my funds in there versus passive ETF. Just wanted your thoughts on fund, backers, and performance.

Thanks so much

Stuart
Read Answer Asked by Stuart on December 07, 2017
Q: Just a comment in reference to Steve's question on December 4th.
One mutual fund that might be comparable to MAW104 is Manulife monthly high income fund managed by Alan Wick. Often rated above MAW in Moneysense's annual ratings. I know a financial advisor who recommends this fund as his 'little old lady' fund, stable and reliable. Do you have an opinion on this fund?
Read Answer Asked by Peter on December 06, 2017
Q: Hello, I would like to put some money into an ETF or mutual fund. Would be in for the long term +5 years.
Would these three be acceptable for dividend, stability and small growth? I’am retired and need income, but not interested in U.S. tax filing.
Would you invest in all three? Or do you have a better suggestion with one or two ETF’s ?
Thanks
Read Answer Asked by Brad on November 29, 2017
Q: Hi 5i, I am looking for a relatively safe environment in view of future interest rate increases. Please rate the above list, also can you tell me if there are any withdrawing charges in the Mawers. Perhaps suggesting other ones you prefer. I am 85 year young and like to have safety with some income. Like the new changes, many thanks for your help. J.A.P, Burlington
Read Answer Asked by Joseph on November 10, 2017
Q: I’m assuming that the holdings of PMIF are identical to PMO005, which are 48% securitized; 38% government; 22% corporate; 13% other.

Question 1: what is meant by ‘securitized’? Is that a good thing in a bond fund?

I’ve spent a day researching C$ bond ETFs and the more I research, the more confused I become.

Question 2: Is PMIF about as good as any other bond ETF out there?
I’m not too concerned about fees or yield, as what I’m looking for is low volatility, preservation of capital, with a reasonable total return.

Thanks.
Read Answer Asked by Irwin on November 08, 2017
Q: Hi, I am helping my in-laws manage their retirement savings, and I would like to have suggestions for investing the remaining balance in my father-in-law's RRIF (about $7000). The rate of withdrawal is fairly high as he is now 92. I was thinking the best way would be to invest in a balanced, dividend or bond mutual fund, to avoid commissions. This mutual fund, composed of various ETFs, is managed by Larry Berman. It seems to generate a decent and constant dividend, without much volatility. The series D has an MER of about 1.17%. What do you think of this fund? Would you have other suggestions? The overall portfolio is very diversified and of course fairly conservative. Thanks for your service.
Read Answer Asked by Bernard on November 03, 2017
Q: Peter,

I want to compare performance of various mutual funds on my electronic watchlist. This will involve equity funds as well as balanced funds. I have no interest in bond funds. I will be looking at both small cap & large cap. What companies to you recommend me comparing. I know you like Mawer and have owned various of their funds for a number of years and am very happy with the results.
If specific mutual fund families have a specific successful niche ( ie small cap etc ) please indicate. looking at Canada, USA, non North America as well as Emerging Markets.

Thanks for allowing us to renew at old prices early.


Thank you

Paul
Read Answer Asked by paul on October 31, 2017
Q: Can you please give me your thoughts (or alternative recommendations) on the following Funds for a 64 year old heading into retirement within the next year.

RBC Select Balanced Portfolio - Series A . (RBF460)
EdgePoint Cdn Growth & Income Port Sr A (CAD). - (EDG188)
EdgePoint Global Growth & Inc Port Sr A (CAD). - (EDG180)
PIMCO Monthly Income A (CAD). - (PMO005)

Please deduct as many credits as required.

As always, thank you for your invaluable service.

Micheal
Read Answer Asked by micheal on October 31, 2017
Q: Hello, iam a retired investor with $190,000 in a tangerine fund.
50,000 in rrsp balanced fund
70,000 in non reg. balanced fund
70,000 in tfsa equity growth fund
I will be transferring the above to a CIBC global monthly income balanced fund,as I will be getting a employee discount on the MER.
My tfsa will be in a equity growth fund at CIBC.
My question is that Tanerine only pays a dividend once a year around Dec. 20th.
Should I wait for the dividend,or because the fund drops in price after the dividend it would not make any difference?
I think I would be better off getting the dividend and then transferring in the new year, any thoughts on this
Thanks Brad.A
Read Answer Asked by Brad on October 30, 2017
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