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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, thanks for the work that you do for the average Joe.

I am about 8-10 years from retirement. Earlier this year, when good Cdn blue-chip dividend payers were "on sale", I started creating an income portfolio in my non-registered account. The idea is that these stocks would form the basis of my income in my retirement as I don't have a DB pension.

I am currently in the highest tax bracket so will pay significant taxes on the dividends that I receive until I retire, in 8-10 years.

I also have funds in my TFSA where I focus more on Growth.

Am I too young to start creating a dividend account when I'll be paying significant taxes? Should I instead focus on Growth stocks now, and convert those to dividend paying stocks when I retire?

Or does it really matter that much?

This is a non-urgent question and can wait until the NY.

Thanks
Robert
Read Answer Asked by Robert on December 30, 2020
Q: Do you have any info on this little company, that went up from $0.88 to $1.35 during trading today and to $1.70 in after hours

Ken
Read Answer Asked by KENNETH on December 30, 2020
Q: Hi All: I will be Transferring 'in kind' from my open account into TFSA. In your opinions which of this list might have the better growth potential, therefore capital gain protected within the TFSA? Too Bad for the $6K limit. Would you assist me in prioritizing my list?
Thank you for the great reading (Questions and Answers) and wonderful Web site. Happy New Year to all your great staff and all the happy 5iResearch Clients!.
Read Answer Asked by Ken on December 30, 2020
Q: Whats are your thoughts on the following sets of ETFs ?

Set -1

iShares Core S&P U.S. Total Market Index ETF (XUU)
Vanguard High Dividend Yield ETF (VYM)
Invesco QQQ (QQQ)

set-2

XEC, XEF, XIC, VUN
Read Answer Asked by Kapil on December 29, 2020
Q: I owned BIP.UN for several years with the spin off I was also owned some BIPC. The units have done well in the past until this year, it was flat. Meanwhile the shares have virtually doubled since their issue. I'm a primarily growth investor and sees yields as a "fringe benefits", would you consider switching the units entirely over to shares?

Certainly the deciding factor would be whether the shares' combined return (growth and yield) would outpace those of the units? Kindly share you insight on this issue. Thanks.

Read Answer Asked by Victor on December 29, 2020
Q: sorry to bother you and an answer next week ( still 2019 trading) would be fine. What do you think of AMRC? Less of a risk? Still for the risk tolerant?

Merry Christmas to all of you at 5i. I noticed a subscriber coming to your defense this morning and concur with his comments. There will always be detractors, as you know, but like the great Taylor Swift would advise, "shake it off". Our financial situation has greatly improved thanks largely to your advice. Have a great holiday.
Read Answer Asked by alex on December 29, 2020
Q: In a TFSA is one allowed to withdraw C$ from the account and instantly replace the amount in US$ equivalent? (For various “technical” reasons – excuses—given by broker I am unable simply to redeem C$ and replace with US$ at beginning of year in just a couple of days!)
Read Answer Asked by Adam on December 29, 2020
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