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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 Peter: I am 81 years. Am considering buying Fidelity Tax-smart withdrawal program. This fund invests 70% S&P/Capped 60 Index and 30% S&P 500 Index. If you can recommend the fund would a 50% to 75% investment of my funds be reasonable? Should I buy on my TD trading account or buy direct from a Fidelity rep? Would I receive the same net income either way? Thanking you for your valuable opinion. Ron Noble
Read Answer Asked by ron on November 16, 2016
Q: My portfolio is predominantly made up of 4 company's stocks. They are ATD.B, GIL, HCG and SJ. With the exception of SJ (bought it in 2006) I have owned them all since 2002. I have significant capital gains from them all and have been selling them off slowly over the past three years. In each of the past three years I paid significant taxes due to the sale of these shares. I have tried to offset some of the gains by selling some of my losers but the gains are much higher and selling my losers makes the imbalance in my portfolio greater. Do you have a suggestion on how I can help balance my portfolio and avoid paying significant capital gains taxes?
Read Answer Asked by Robert on October 28, 2016
Q: What's your advice for a younger investor with regards to TFSAs and RRSPs versus non-registered accounts? Should we direct all our savings to registered accounts until we max out our contributions and then direct excess to non-registered accounts? Is there a case to be made for the tax-loss advantages of non-registered accounts before looking at RRSPs? I see TFSAs as a more liquid savings account and an RRSP as much less so. Thanks.
Read Answer Asked by Jordan on October 11, 2016
Q: Hello,

The following 5 companies are on my buy list to complete my portfolio:

PBH
TOY
NFI
BCE
CAR.UN

I have room for two in my TFSA, two in my non-registered and one in my RRSP. How should I divide the above 5 stocks into these accounts?

My plan is to buy on pullbacks. But I'm thinking about buying CAR.UN now because it has already pulled back on the mortgage news. Does this make sense?
Read Answer Asked by Carla on October 11, 2016
Q: I have not yet exchanged my Intertain shares but if so I would take the exchangeable shares as you have recommended. However I am considering the following option: sell my Intertain shares on the open market this week and buy the Exchangeable shares (probably) when they become available. Could you please comment on this strategy the advantages and disadvantages. Thanks.
Read Answer Asked by Rob on October 11, 2016
Q: I don't know if this question comes under your umbrella. It concerns money borrowed to invest, with the aim to claim the interest for tax back. I have done a Google check but i am not sure whether all loans can be used this way. currenly I use a small margin credit on my accounts, which comes to 3.75 per cent. I know that I can do much better than that, if i borrow on my house. But, would such a loan be seen as tax deductible for investing services.
thanks
Read Answer Asked by joseph on October 04, 2016
Q: I have the (dubious ?) honour of being age 71, and as such I must convert my RRSP into a RRIF by this year-end. I am also aware of a rule that allows me to use my spouse's age (younger) to determine the minimum percentage that must be withdrawn each year. I further understand that the CRA rules do not allow any change once this choice is made.
The minute CRA says there cannot be any changes, a red flag goes up, and I wonder if I am missing something. Do you (or other subscribers) know of any reason why I should re-consider choosing the lower withdrawal rate. Thanks for your great service. T.
Read Answer Asked by Terrance on September 27, 2016
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