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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: According to the experts in seasonal investing, September is statistically the worst time for markets, but then things start to pick up again later in October and into November. Would you let this consideration influence your investment decisions? I have capital to deploy but I'm wondering if I should wait another month or so before I start new positions. Also, are foreign markets (Europe, EM, Japan, etc) subject to the same September curse, on average? Thanks very much.
Read Answer Asked by Brian on September 13, 2017
Q: Hi, I'm not sure of you do Tax questions or not. I am a new DIY investor (March 2017). I currently have Cash, RRSP, and TSFA accounts, all with CAD and USD capability. I did not do much tax research before I started building my portfolio. Currently I hold all my US equities and us funds in the USD Cash account (about 15% of portfolio). Now it seems to me from a tax point of view this is the worst possible place to hold US securities. Of course if I want to use the US cash then it's the only place I should actually put it. But I don't think I will need to use the US cash any time soon. So it seems to me that despite the 15% withholding tax the TSFA would be the best place for US equities, since the US gains are much higher than Canadian, and I could get the money if I do need end up needing it. Does that make sense? Would it be prudent to put a portion of both RRSP money and TSFA money into US funds accts with the CAD relatively strong right now? I have cash available in both accts to do so, but would be raising my overall US funds to about 25%. Thank you.
Read Answer Asked by John on September 11, 2017
Q: I currently hold a significant amount of U.S. cash in my US dollar RSP. With the latest
surge in the Canadian dollar vs the US dollar can you recommend any strategy that can
offset further decreases in the value of my holdings in Canadian dollar terms in the short or medium term? I am 71 this year and I will have to convert to a RIF by the end of this year. Given the current geopolitical environment and extreme weather in the southern US the likelihood of any US dollar appreciation or strength appears dim in the near term. Would holding gold or gold producers help to hedge my US position?
Thank you for your advice.
Read Answer Asked by Oleh on September 07, 2017
Q: Hi team, what is an income investor to do in a rising rate environment? What are the sectors and equities that will be most impacted and what are the best sectors to invest in? Do you have any specific stock recommendations for income? I currently have many of the canadian banks, utilities and telcoms which have all taken a hit.
As always thanks for you advice.
Nancy
Read Answer Asked by Nancy on September 07, 2017
Q: Good morning Peter, Ryan, and Team,

Could you give two or three Canadian stocks in each of the following sectors that look to be compelling buys today?

-Consumer Discretionary
-Financial
-Health Care
-Industrial
-Information Technology
-Utilities

I may already own some of your suggestions but would be comfortable adding to positions if my weighting is reasonable. (my call).

Thanks in advance for steering us through turbulent times!
Read Answer Asked by Jerry on September 07, 2017
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