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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 appreciated your reply to Keith's question related to family portfolio. Going into retirement we will be receiving enough in pension payments to cover our living expenses and then some... We have looked at this as the fixed income portion of our family portfolio and have built that portfolio with this philosophy for the past 40 years.

As we review our portfolio going forward we are considering not changing our 90/10 equity/fixed split. Our aversion to risk has not changed. We like growth and value (dividend) stocks. We are, as Portfolio Analysis and Tracking suggests, internationalizing our positions. But we are tempted not to go to the 75/25 equity/fixed split it is currently suggesting.

Our questions are as follows: What are your thoughts on our above strategy in general. Would we still look, in general terms, at the same percentages allocation suggested by Portfolio Tracking and Analysis but applied to a 90/10 equity/fixed portfolio mix ?

Thank you for your valued input.

Read Answer Asked by Roger on June 23, 2021

Q: I am a new member and am quite impressed with the Q&A section and Model Portfolio. I am thinking about planning to upgrade the subscription to add Portfolio Analytics. I was not able to clearly understand from reading the description under manage subscription about the additional services provided. Is there a demo version / trial version, sample reports or more elaborate information about it?

Read Answer Asked by Nimish on May 31, 2021

Q: There is a consistent discrepancy between what appears as the book value in my Qtrade and RBC account and what appears in my 5iresearch portfolio. I've verified that the share numbers and cost prices are correct. The differences are much higher on my American stocks where the MV is always higher than what shows in my original accounts. Is there an explanation for this?

Read Answer Asked by Robert on May 19, 2021

Q: I hold several ETFs ie XAW, VGRO, VBAL and I am wondering if the portfolio analytics tool breaks down these ETFs into their respective industries and geographies when you review your actual asset allocations versus the suggested allocations.

Read Answer Asked by Simon on May 11, 2021

Q: Hi Peter/Ryan,
My basic subscription was renewed a month ago but I'm thinking of getting the Portfolio Analytics subscription so is there any way to do this without losing the money spent on the basic one? I would like to make the switch in a month or two.


Read Answer Asked by K on May 06, 2021

Q: When I first contracted for the portfolio analytics product I had an investment in MFS International Eq Segregated Fund A and you were kind enough to tell me the name I should use to input that investment in my portfolio. I transferred the full amount of that seg fund into another SLF seg fund entitled "Leith Wheeler International seg Fund" today and I need to know what name/title I should use in my analytics portfolio. Could you provide me with a name please. Thanks you Mike

Read Answer Asked by Michael on April 30, 2021

Q: Hello, need to add a custom stock to my portfolio analysis. Could you please provide me with the steps to follow. Thank you.

Read Answer Asked by lorraine on March 17, 2021

Q: In the portfolio analytics in the section of portfolio industry allocation do the listed sectors waitings include portion of particular sectors/industries included in diversified ETFs which constitute a significant portion of my portfolio?
Thank you

Read Answer Asked by Miroslaw on March 10, 2021

Q: I'm interested in supplementing my regular 5i membership with your Portfolio Analytics tools. Is there somewhere where I can read about everything Portfolio Analytics has to offer or preferably even see how it generally works with some type of demonstration site. It's not an issue of the extra cost for Portfolio Analytics (seems pretty reasonable considering it also includes the 5i membership fee) it is more a question about understanding what it does and provides compared to other similar tools and services out there. I'm sure its great, just want to understand it a bit more before moving forward. Thanks.

Read Answer Asked by Brad on March 02, 2021

Q: Hi Guys
Since i have joined i5reaserch, i have n\been extremely 100% satisfied.
I feel that i have learned so much about the stock market being with your company the last 2 years. I would like to join the portfolio analytics for the $390.00 per year starting when my recent membership expires please. I have several accounts to be viewed my personal TFSA account, my personal margin account, my personal RRSP account and i have an RRSP account that is managed by a financial advisor at TD investing. Thank you so much guys looking foward to have these account reviewed by your team in the next few months. EXCELLENT JOB.

Read Answer Asked by wilson on February 17, 2021

Q: Hi Peter
I have a Followup to Delbert’s question. In the link you shared, it lists the price for a new subscription to portfolio analytics. How about existing customers like me who have already subscribed to 5i research? ? If I want to upgrade to portfolio analytics, Do I have to still pay the full value of $390 ?

Happy holidays to the 5i team

Read Answer Asked by Greyhair on December 24, 2020

Q: Your thoughts on:
1. Stock Rover versus any other of your suggestions for stock & portfolio tracking sites/businesses (that include tracking Canadian stocks (e.g. TSE) stocks)?
2. How secure is it to have these companies (e.g. stock rover) track our individual portfolios? They are gathering such personal financial information on us that i imagine other third parties would love to get their hands on- How much risk of our data ($ personal holdings/worth) being shared, or not so much?

Read Answer Asked by stephen on December 11, 2020

Q: Do you know of a site that I can list all my stocks, the cost price, and number of shares and get the following information: gain or loss, with the percentage and the dollar amounts. I would like it to be in real time. I have used the TXS Money but as I have used it in the past it is not very consistent and I have had troubles with it. Hopefully you can suggest a different site. Thanks very much Dorothy

Read Answer Asked by Dorothy on October 23, 2020

Q: Looking at my portfolio, would there be any changes you would make? All of it is held in my TFSA, I'm 24 and don't require the money for atleast a few years if not much longer.
I know I'm very tech heavy but I like the exposure to high growth industry leaders. If I should adjust which would you sell/trim and which would you buy.
I also have 10k CAE shares held in another account.

Thanks, Dan

Read Answer Asked by Daniel on October 05, 2020

Q: I finally got around to using Portfolio Analytics on myself. Biggest perk was the totalling of my expected yearly dividends. Mystery solved!
Unsurprising was the overweight tech at 45%.
When one looks at the difference between REAL and SYZ (as examples of software tech) I have to wonder just how useful that advisement is as a total? It seems in software you could have proxies (almost) for the entire market!

Read Answer Asked by Gerald on September 23, 2020

Q: Good morning, Portfolio Analytics suggests we (as elderly seniors) lower our Utility holdings by 6.32%. Currently, we have:
AQN 3.9 %, BEPC 3.5%, BIP.UN 4.6%, H 2.2%, SPB 1.8%. Firstly is there a holding I could eliminate? If not should I just lower the larger percentages? All are in RRIFs.
Second suggestion from Analytics is to lower telecom by 3.54%. Currently have BCE 4.2%, T 3.5% and GOOG 4.2%. T and BCE are in RRIFs. GOOG is in an unregistered account. I have always looked at GOOG as technology sector. Any comments. Thanks for your expertise.

Read Answer Asked by Ted on August 21, 2020

Q: Hello, in the company profile of PHY and CEF, it says that their Industry Classifications - Sector is Financial Services. I was a bit surprised to see that. Could you explain why these ETFs are classified under Financial Services rather than Basic Materials? Thanks, Gervais

Read Answer Asked by Gervais on August 04, 2020

Q: Dear 5i team:
Your software indicates our family’s investments are too Canadian-focused. However, I prefer our “home bias”, for three reasons:
(a) most of our assets are non-registered, and the dividend tax credit is especially favourable for Canadian source dividends in a province such as ours (Ontario);
(b) I like supporting the companies that I invest in (e.g., we buy Peller family wines, since we own their shares);
(c) but most important, many of the “Canadian” businesses we own are surprisingly international; among our top 20 equity holdings are:
Alimentation couche-tarde (Circle K is world-wide);
Brookfield Asset Management (globally focused company that invests wherever the opportunities are);
CGI Group (revenues are 84% outside Canada per 2019 annual report);
CP Rail (significant U.S. revenues);
Fortis (65% of earning are in U.S.);
Manulife (growing Asian revenues);
Restaurant Brands International (most of Burger King and Popeye’s restaurants are outside of Canada);
Shopify (not sure, but suspect international revenues are growing faster than Canadian revenues);
TC Energy (dropped “Canada” from its name to reflect its growing U.S. presence);
TD bank (substantial and growing U.S. presence);
Anyways, the above-listed 10 stocks represent about one-third of our overall equity holdings (in absolute $ terms), but I would not consider these companies as being “100% Canadian”. I wonder whether your software could be rejigged to reflect the relative percent earnings (or revenue) contributions, broken down per Canada, U.S., Europe, Asia, and so forth. I suspect our home “bias” is not nearly as substantial as it appears.

Read Answer Asked by Ted on July 21, 2020

Q: More of a comment than a question. I so appreciate the changes to the Portfolio Tracking and Analysis. The summary at the bottom is terrific as is the up to date plus minus column. Also wondering if a column indicating the date of purchase would be another fine improvement. Is that a possibility?

Read Answer Asked by Dennis on June 29, 2020