Investment Q&A

Q: Hey guys, thanks in advance! I'm wondering how I should allocate stocks across my TFSA and 2 different RESPs. I've been sticking to the balanced portfolio and I'm wondering if 12 stocks in my TFSA and 4 in each RESP is a good idea, or if the RESP's should be more diversified. Any advice would be great. There are 20 stocks total, all equal weight. Thanks.

Q: Hello, I've just opened an RESP for my son and it has $2500 in it and should see $2500 added to it each year plus the gov't portion. Looking at a time frame of about 18-20 years, can you recommend an initial approach? Would a couple ETF's be best for now? or is it better to work toward the income model portfolio? or a few good dividend paying equities for the long term? Thank you.

Q: In our RESP Account, we have LB, MFC, and T. What stock csn we add for the current year. The time frame is about 12 yrs with two participants.

Thanks

Tom

Q: Morning Peter and Team,
RESP w/T, BNS, & GUD each ~15%. What would you buy with the 55% cash balance ? Would you choose TCN or AIF in the mix ? No funds needed for ~ 3yrs. Thank you, Paul

Q: Hi Peter and Team,

Thank you for all the great work that you put in. My daughter's RESP is doing quite well thanks to your model portfolios.

Currently in my TFSA, I am holding DSG, FTS, NFI and WPK. I would like to add a fifth stock to my portfolio. The time frame for the TFSA is 10+ years. Any suggestions to increase the diversification?

Thanks in advance.

Marvin

Q: I'm seeking your view in regards to my grand kids RESP's. One is now 11 and the other is 16. I have been fully contributing over the years and using a growth with small div selection method. I have good 20% plus returns overall. Last year was very good. ECI,ENF,BRE, SIA,DIV, AND CHE.UN are equally weighted holdings. As the older one approaches graduation should I be starting to ease up on stocks and using forward years contributions more on ETF's and less risk oriented holdings. I cannot really bring myself to using bonds at this time. I do want to protect what I have gained for him.Something like a ZUT,or ZPR for this year as opposed to another stock perhaps. Thanks as always guys

Q: In my son's RESP we hold AW.UN , ATD.B , BEP.UN , BNS , L , and PBH and all have done well ( thank you 5i ) . We were thinking of cashing out Alimentation to pay this year's tuition fees , but we are not sure if that would be the best move .
Which baby should we sacrifice ?

Q: Hello

I am going to re-balance my family portfolio (by sector/industry mix and bond / stock mix) once the Dec 2016 statements come in.


In my family we have 2 RRSPs, 2 TFSA, and 2 RESP accounts.


In the past I would add up all the portfolios together and make a pie chart in Excel to find out our bond & stock mix and our sector/industry mix.


Before I start this exercise this year I wanted to have your opinion.

How do you recommend balancing? Each account separately or other???

Should I even consider BONDS inside my kids RESP since they are just 2 and 4 years of age?

Thank you for your help.
Regards
Stephane

Q: Hi 5i,
Happy New Year Peter and 5i team. We would appreciate if you could assess our grandsons (age 3) RESP. We have added new money and will be getting some additional grant money soon. In your opinion what additional stock would fit in with his current holdings or should we increase the percentage of the lowest holdings which is TNC and XTC.
The current holdings are: ATD.B, CXI, DHX.B, DSG, XTC, GUD, PBH, TNC.
All of the holdings are up. Thank you for your advice in the past.

Q: I would like to add another bank to my granddaughter's RESP. She is now 13. Would you recommend a Canadian Bank ETF. A US Bank ETF. Both or just a Canadian bank. Which would be the best choice for a 13 year old. Please provide some name suggestions.
She now has 100 shares of BCE,RY,XSP,XDV.
Thank You

Q: Hi guys

What are some good long term holds for a RESP say 5 yrs or more

Thanks Mike B

Q: I'm currently holding positions of about $1000 each in my 16 month old daughters RESP for SHOP, GUD, PBH, and TOY.

I'll have enough to purchase a couple new positions shortly. I was thinking about KXS, and SIS, but wanted input as to whether this is a good plan with regards to sector weighting etc.

Thanks!

Q: We are involving our kids (ages 7 and 8) in choosing companies that they are interested in for their RESP holdings. They love watching their dividends get deposit into their accounts, almost as much as I do.

My son has chosen: CGX (because he likes going to the movies), L (because he sees how busy the grocery store and Shoppers are) and ICE (because he likes playing hockey and noticed how busy the rinks are where we live).

My daughter has chosen: CTC.a (because she likes to go to Sports Check to buy her sports equipment) and CARA (because she likes going to a few of their restaurant brands).

I added T, for some stability and extra dividends.

I realize this mini-portfolio is pretty concentrated in the consumer sectors. Do you have any suggestions to diversify things?

Also, given their age, what percentage of their RESP would you recommend being in equities?

Thanks in advance.

Q: I am working towards emulating the balanced equity portfolio across various accounts.
Would you please list the ones that would be best in a TFSA and the order was in which one would buy them.
Also, I have a RESP for my 3 year old grandchild which holds PBH and KXS. What would be a good addition to this account with next years contribution?

Thank you

Q: Hey guys. I own XSU, PBH, CCL.B and cash in my sons RESP with equal weighting ~25% each. Could you recommend an ETF or stock that would compliment this list. He is 3 so this will be a longterm hold. Thanks a lot.

Q: What do you think of FIE, ZPW and ZWH for an RESP ?

Thanks

Dave

Q: Hello Peter and Team,

Looking to set up an resp for my grand kids. In sk it works to 3250 per year for the grants. Looking to add one stock a year. What 5 would you consider today to be a good candidate?

Thanks,

Wes

Q: I'm looking for 5 good stocks to add to an resp, any advice?

Q: We have $6K to invest in our son's RESP, with a moderate risk profile. Which stocks / ETFs wold you recommend?

Q: My understanding is that there will not be any withholding tax (for US equities with dividends as an example) in an RRSP. Would this also apply to an RESP?