Investment Q&A

Q: In your opinion, do you expect the Canadian versus the US dollar to hold steady in the near future?

And further what about the oil prizes?

John

Q: Good morning 5i,
Would it be safe to say that 'executive orders' are also known as 'press releases'? Also should we be worried about debt ceilings and gov't shutdowns in March?
Thanks for the solid service. Gord.

Q: Hi Peter & Team: For a growth portfolio, what % would you allocate to Cdn,US,EM and other developed mkt. ? What ETF's would you suggest for EM & other dev.mkt, hedged or not hedged to the loony? Thanks. Fooklin

Q: I am looking for your top 10 picks from all the 70 companies that you currently hold in your 3 current portfolios. Growth. Income and Balanced Portfolios. Using todays prices which 10 companies out of 70 in your 3 portfolios would you suggest for immediate purchase ?. I have funds to invest today for a 2 year hold. Thanks a lot & best wishes. I really do appreciate your investment ideas. Bob

Q: Regarding Bill's RRSP transfer to Questrade from a brokerage, the main issue of selling the investments to reinvest the funds is the tax implication. The sold RRSPs would be taxed, likely at 25%, and depending upon his RRSP contribution limit, he might not be able to reinvest the net sum. The RRSP amount would be included in his taxable income for the year of withdrawal and if large enough would "bump" him into a higher tax bracket. He would pay tax on the withdrawal at his marginal rate.

As you suggested, the transfer in kind is the only way to make this transfer without incurring any tax.

Q: Hi guys,

I have just reached the $ 100k mark with my TFSA, thank you Peter, Ryan and the rest of the dedicated staff!

Jim

Q: I have only 1.5% of my portfolio in WCP and are looking at equal weightings of RRX, TOG and HWO so I can have the same weighting in the energy sector or the balanced portfolio which I have replicated and have full weightings on all of the other sector in that portfolio. Does this seem like a good idea as I think that diversification in a sector is good...cheers

Q: Hello,

At one point you were hinting that a US portfolio may be in the cards for 5i. Any closer to a decision? If not, how would you invest 60k$ U$.

Thanks
M

Q: I currently have in my RRSP: SLF, BEP.un, T, CSH.un, and SIS. I have funds to purchase two more companies for a long-term hold. Any suggestions?

Q: Hi,
I have MCD,RDS.A and VOD in my RRSP account which pays dividend in USD. Ideally I would have liked DRIP for these stocks. Please can you suggest any low cost US/Global ex canada mutual fund I can use to invest the dividends.(I get 300/400 USD Quarterly and do not want to spend $10 commission for buying the stocks/ETF.

Q: In follow up to my previous question, what sectors would you consider adding for diversification? And also your reasoning why.

Q: Dear 5i
I am considering moving my rrsp investments from my acct with my financial planner to an rrsp acct withQuestrade who I deal with as a brokerage company . Am I best to sell all holdings to cash and then have all the cash wired over to Questrade or just transfer in kind convert to cash then rebuy what I want ?
Thanks
Bill

Q: This is a repeat. Where did the February "Coverage Summary" report go? I am trying to access it.

Q: I would like to add another gold name and am looking for something of a low cost, levered play. I currently own Silver Wheaton, Agnico and the Central fund in my portfolio. Can you offer me a couple complimentary names? Thank you

Q: Hi,
I'm trying to shuffle a few things around between my margin, RSP, and TFSA accounts and simplify my portfolio. I'm assuming one would want to hold the highest growth stocks in the TFSA because there is no tax.
However, how do you distinguish what should go into which account? For example, among others, I'm holding a bunch of dividend stocks (BPY.UN, BPY, ZWU, VGH, VRE, PPL, AD) and growth stocks (ONEX, XSU, TNC, CXI, SJ) in my RSP. In my TFSA, I also have a mix of dividend and growth stocks, BIP.UN, ZWB, TECK.B, CGX, SHOP, GUD, CRH, HWO. Should I swap some of these stocks between my RSP and TFSA?

My TFSA and RSP are all maxed out and I have been buying a lot of dividend stocks in my margin account lately (CU, XEI, VDY, ENB, WSP, FTS, AQN, PWF, ENF) to take advantage of the dividend tax credit. Is it better to hold dividend growth stocks in your RSP or Margin accounts?

Any examples of what you would do or insight into this would be great! I'm 35 years old and time horizon is 10-20 years (would like an early retirement haha!)

Thanks!

Q: I own warrants in this company. My question: should the company be taken over (and there is much speculation to that effect)what will/ might/must happen to the warrants if they have not expired?
Is it legally possible for an acquirer to "disown" the outstanding warrants and thus render the warrants worthless?

Q: Greetings 5i,

Accumulating funds over the next 18-24 months for a downpayment on first time home. I expect my TFSA account will receive most of the cash as I do not wish to draw down my RRSP account. I was needing your advice on where you feel this money should be placed? Would rising interest rates and possible inflation kicking in be a consideration here? Also this will be a monthly contribution situation and my online broker(TD WebBroker) charges a $9.99 fee for ETF and equity transactions which I would like to avoid. Would TDB909 be a satisfactory option for this? Should I open up an account with a different broker if needed to avoid these fees and dollar cost average into an ETF of your recomendation?

Thanks for all the great advice!

Q: I have some US cash and think I will deploy it in a copper stock because of the upward price pressure on copper. Could yo recommend some names that I can pick up using US dollars?

Q: Could you recommend 3 or 4 Industrial stocks for a TFSA.
Could you also recommend 2 Material stocks for a TFSA

Thank you

Q: Hello Peter, Ryan and team:

In the current political/rate increase climate what is a good % in terms of asset allocation for Bonds for a 60+ year old couple who are medium risk takers. Further more inside the bonds what should be % for Short term/medium term, Corporate and high yield bonds. I understand it is not a good idea to hold Long term bonds though Vanguard has just released several ETFs incl Long bond ETF! When the experts on BNN or in Business pages talk about "cash" position 30% etc., I presume they mean cash/GICs and Bonds?
Always enjoy your take on things .
Mano