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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 5i Team,
If you were starting a TFSA and only had 30K would you select 6-10 individual stocks or would it be better to start with an ETF (was thinking XBAL) to start. My daughter doesn't want a lot of work tracking or watching stocks and doesn't want to incur a lot of trading costs. Would you suggest another ETF to start with or go with XBAL, keeping in mind that new money will be flowing into the account to the maximum in the next couple of years. Capital preservation is a consideration but she has a 10 year time frame to work with. Thanks
Read Answer Asked by Rudy on November 12, 2019
Q: 5I, hello again
thanks much for your excellent program.
You have answered questions on holding of int’l exposure before but my head hurts from trying to reconsider how to best arrange my holdings.
I presently have: VEE (@ 1.43% portfolio weight); XEC (1.40%); and ZEM (1.81%). VEE is in a cash account and the other 2 are in RRSP .

To improve performance by trying to get the best tax efficiency, I have started to think about having all the funds for this part of the portfolio just in ZEM, to be held in a cash account. I pay taxes and any withholding tax with be creditable.

Questions:
1. Is ZEM best held in a cash account or an RRSP?
2. ZEM is a large ETF...is having just the one still sufficiently diversified? And is ZEM sufficiently liquid?
3. If your thought is to continue to still hold some VEE, should it best be held in a cash account or an RRSP? Same question for XEC?

Please deduct question credits as may apply.
Once again, thanks for your excellent program
Read Answer Asked by Leonard on November 12, 2019
Q: Hello 5i Team
1 - Please update CSW.A after last week's quarterly results.
2 - From the MD&A, Pernot Ricard owns 51.6 % of the class A (CSW.A).
Are there any other significant (>10%) shareholders of the Class A (CSW.A)?
Are there any significant holders of the Class B (CSW.B)?
3 - Could you speculate on whether Pernot Ricard would eventually take over CSW or is there an obscure provision in the Class B shares prohibiting this?
Thanks for the great service.
Read Answer Asked by Stephen on November 12, 2019
Q: What would be a good company to buy shares in for a teenager for his first investment? It was mentioned before that it increases interest in investing if the teen knows about the company. I was thinking of Costco, Disney, Mcdonalds?
Would you be able to provide a top 3-4 names in Canada and 3-4 in the US as suggestions? Thanks
Read Answer Asked by Marco on November 12, 2019
Q: A JPM analyst made the comments below in an article I read. 5i has also noted this rotation to date. Do you agree with the below and could you list 6-8 stocks in both the US and Canada that would benefit most?
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The massive rotation into value stocks that rocked investors two months ago is going to extend into 2020, according to J.P. Morgan’s quant guru Marko Kolanovic.

The quant, whose reports have moved markets in the past, predicted rotation, going so far as to call it a “once in a decade” trade.

Value names staged a comeback in September after years of underperformance as investors bet on economically sensitive, cheap stocks on hopes for a U.S.-China trade deal. The strategist believes the rotation has more room to run on the back of the improving macro environment.
Read Answer Asked by Tim on November 12, 2019
Q: In light that SWP is near a 3yr high & appears to be breaking out ,plus new plant is nearing completion & going into production expected by year end,is it time to start a position.Thanks for u usual great services & views, Ryan,you were great on BNN(former manager @ a famous firm PH in Van which was partly owned by ex-Vancouver Mayor,Art Phillips(since acquired by Royal Bank)
Read Answer Asked by Peter on November 12, 2019
Q: Hello 5i,
Could you please advise me which securities to sell and/or lighten up if I was to buy a house. Please take into account the prevailing economic environment. Let’s say the mix is 80/20 stocks to bonds/interest bearing certificates and the securities are evenly dollar-wise represented.
Thank you in advance,
Rick

GUD ENB WSP MG ATD.B PBH SLF DOL AEM KXS CSU NFI MX SU SIS,CSH.UN INO.UN BIP.UN PSLV SBUX VWO VGK VIG,CBO CPD XCB CSU(DB) HYGH LQD
Read Answer Asked by Rick on November 12, 2019
Q: Q2 results are out. They look spectacular to me , do you have the same interpretation ?
In the past you were not too keen on this stock.
Has your opinion changed ?
If owned, would you sell, hold, or buy more
Currently minus 55%
Do you know what the consensus was ?

Thanks for your help.


Thanks
Read Answer Asked by Luc on November 12, 2019
Q: Good afternoon!
I am helping a friend move away from mutual funds, and I note on Bloomberg that the "Current Mgmt Fee" for this fund is 2.1%, and the Expense Ratio is 2.61%. Am I correct in thinking this means that 4.71% comes off the top here before valuation?
Also, over 77% of this fund owns other BMO funds, which I assume have their own deductions not included in the above. Is this also a fair assumption? Of interest, it says it is 2% to redeem!
Thanks! … Paul K
Read Answer Asked by Paul on November 12, 2019
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