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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, Ryan, and Team,

I understand the rationale for different weighting of sectors among the three portfolios. You've stated in the past that we should look at our entire portfolio to "determine where we stand", and I've done this for my RRIF, my wife's RRSP, both of our TFSA's and our joint Margin Account. I use Google Sheets to track this entire portfolio. My question is this: In a 'composite" portfolio, how can one determine the appropriate sector weighting, or is it purely a personal choice? For example, Technology is 21.38% of the Balanced Equity Portfolio, 32.05% of the Growth Portfolio, and 7.26% of the Income Portfolio. In our 'composite' portfolio, Technology has a weighting of 10.83% of the portfolio's equity portion. So I suppose my question would be "How do I know that my weightings are appropriate, and once weightings are chosen, do I stick with them? Or should they vary for different points in the economic cycle?"

I have another question that I'm hoping can be answered by one of our computer-savvy members: As mentioned, I use Google Sheets to track our portfolio which can "capture" the stock price for popular indexes like the TSX. However, there's a "new kid on the block", namely the Aequitas Neo index, and I haven't been able to "capture" prices to be inserted into Google Sheets automatically. As an example, a Canadian Money Saver top-rated ETF, (CLU) is no longer listed on the TSX, but is now listed on the Aequitas Neo index. Do any 5i members know how to accomplish this "price capturing"?

Given that there are several questions in this long-winded question, please deduct as many question credits as you deem necessary. Thanks for all your help! Now I'm going to watch Peter on BNN which I PVR'd earlier!
Read Answer Asked by Jerry on June 08, 2017
Q: Hi Guys! I like and respect Eric Nuttall very much which is why i bought his SPR 006 Fund about 6 months ago. I'm down abut 30%. I've seen him on BNN many times bragging about his fund appreciating by about 60+ % last year. BUT when I look at his Fund Fact sheet, it show NEGATIVE Returns for all Previous Years. What am I missing?

Thanks as always!
Fund Performance as at May 31, 2017
MTD* YTD* 1 YR 3 YR 5 YR 10 YR Inception
-5.5 -37.8 -20.9 -16.6 -2.4 -5.8
Read Answer Asked by Austin on June 08, 2017
Q: I am a conservative, retired, dividend-income investor with the above stocks and ETFs. I also own RBC Cdn Equity Income, Sentry Cdn Income, Sentry REIT, Sprott Energy, Fisgard Capital, Insured Annuities, and receive CPP and a company pension.

I have roughly 5% cash and am normally a buy and hold investor. I am looking to top up the following sectors = Financials, Industrials and Materials. I am already max'd out on the other sectors. Can you please provide me with 3 suggestions of dividend payers (3+% dividend), that would fit with my current holdings, for each of the 3 sectors?

Thanks for your help,
Steve
Read Answer Asked by Stephen on June 07, 2017
Q: Do you have estimated numbers for returns (1-3-5 yr) on your etf model portfolio? Or even better would be calendar year returns back as far as you can go. Much like you have on the equity portfolios.

Looking to have a chat with my advisor about his fees and these numbers would help as me adopting your portfolio is what he needs to beat net of fees. It would be his new benchmark if your returns have been good!
Read Answer Asked by Tom on June 07, 2017
Q: Would like to know if I am calculating the amount of the reduction in weighting for a particular position. This is how I do it....I take the current market value of the position, say 7% of the current market value of the portfolio, and deduct the original book, cost value, which is 5% for this position in the total money to be invested in the portfolio, and then sell this difference at market price at that sell date.....Am I doing it right?!
........Tom
Read Answer Asked by Tom on June 05, 2017
Q: There were a couple comments today referring to a stocks yield based on the initial investment (which could 1 year ago or 10 years ago or more). I have seen this come up here before and on investment chat lines I follow. It seems to me that investment decisions should be based on the current situation (current yield, fundamentals, or whatever) and that yield on initial investment is somewhat meaningless other than as a pleasing way to view a successful investment. What am I missing? Could you comment?
Thank-you
Read Answer Asked by grant on June 05, 2017
Q: Hello, as I watched the EFN episode today,I can't help to think how fragile the market really is.With the market just itching for a good correction, do you think it would be wise or prudent to cash up now say 25-35% + and wait for the inevitable to come?
I realize this is timing the market and no one can tell when this will happen,but for the conservative investor who has seen it before,it seems like it's time.
Read Answer Asked by Brad on June 01, 2017
Q: Paying only casual attention to your recommendations I have unrealized capital gains in my account to pay your membership fees for the next 250 years.
Had I been more astute/aggressive this number would be in the thousands.
My questions:
1. When you have cash in your model portfolios do you ever add to existing positions rather than add a new name to the portfolio?
2. Could you add a column to your portfolio summary page that would indicate the month and year that a stock was first included in the portfolio?
Dave
Read Answer Asked by Dave on June 01, 2017
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