Investment Q&A

Q: Hello

I am going to re-balance my family portfolio (by sector/industry mix and bond / stock mix) once the Dec 2016 statements come in.


In my family we have 2 RRSPs, 2 TFSA, and 2 RESP accounts.


In the past I would add up all the portfolios together and make a pie chart in Excel to find out our bond & stock mix and our sector/industry mix.


Before I start this exercise this year I wanted to have your opinion.

How do you recommend balancing? Each account separately or other???

Should I even consider BONDS inside my kids RESP since they are just 2 and 4 years of age?

Thank you for your help.
Regards
Stephane

Q: Hi Peter.
I do not have any tec or health care stocks in my Tsfa. What 3 stocks would you recommend for each sector. Looking for a 3 year hold as a minimum.
Thanks
Marc.

Q: Could I please get your current 5 top picks for growth plus income. Thanx Robbie

Q: Hello, as a follow up to my questions on us equities; I am simply looking for investment ideas. I would appreciate non financial names and names not Already on my portfolio( 4 of the 6 you provided were equities I already owned ).

If possible, this would be much appreciated,

Thx

KR

Q: Could you give me your opinion on the advantages (if anything) of the company called INVESTOR VEST. They advertise just about every day on TV it seems to be too easy.
Tks in advance.
Al

Q: Ryan and Peter. Best of the new year to you and the rest of the 5i team. Thanks to Ryan for his article about re-balancing portfolios. I agree that health care is the sector that provides some value. I have some exposure to Canadian health care but would like to buy some exposure to specific American health care companies. If possible, could you suggest a few companies that offer some growth in 2017 and provide a bit of a dividend? Thanks in advance for your appreciated guidance.

Q: Hi 5i team, what is growth referred to ? Does it eventually reflected in the earning and then the price ? Any correlation ?

Q: I want to use this year's TFSA contribution to make it my highest risk/reward investment. I have narrowed it down to TIO, SHOP and ITC and I would appreciate your assessment. (I am open to others if you there is something else you have in mind - sector doesn't matter).

As always, appreciate your insight.

Paul F.

Q: In my RRSP I petty well diversified and have all the sectors covered with 22 names. The only exception is the health care sector.What are your current favorite 2 or 3 names you think I might add this year both for income and growth? I,m 68 and won't start drawing down the RRSP until I'm required to covert to a RIF.

Q: Hello,
Looking for a suggestion on a new name to add to RDSP portfolio. Prefer individual stocks over ETFs. Currently approximately equal weight: AAPL, BNS, CXI, GUD, KXS, NFI, PBH, SHOP, SIS, TOY, and cash. Looking for a portfolio addition to invest the cash in. Time frame is: 4 year old beneficiary withdrawing at age 50+. Current names reflect risk tolerance, and plan is to diversify with names as new money is added to the account
Any suggestions greatly appreciated.
Thanks
John

Q: Hi Team
I can now add another investment in my RRSP. As you earlier pointed out, I don't have any banks or energy in this account.
What is your thought of BNS (highest Yield) or RY. I already have too much TD in my SDRIF.
Can you recommend an energy stock? I have ENB in my SDRIF
Thank you for your advise.
Margita

Q: To start off with about 4 stocks from the income, balanced and growth portfolio... What 4 stocks would you recommend from each of the portfolio .. I'm growth oriented ..

Q: What would your top three pics be (in order of preference) for 2017 in the each of the Industrial and Materials sectors?
And a Happy New Year to all your team.

Q: Happy New Year Everyone.
How do you feel supply/demand will be in 2017 for the precious metals and lead,zinc,copper,aluminum,nickel and lithium? Have they turned the corner and will the global economy not be disrupted by treats of trade barriers being created and other factors? Thank you, Bob

Q: Earlier today part of your reply to a security question was: "On any account there is, at first, insurance protection through the Canadian Investor Protection Fund, up to $1 million". What is an account? At TD they breakout you account into tfsa, rrsp, us, and Canada. Are these each individual accounts? As well you can have another account number with a similar breakdown. Would that account be covered by a separate $1,000,000 insurance? Would it then be wise to open another account at another broker, if you liquid assets exceed $1,000,000. Thanks, Mark

Q: To follow up on an earlier question. If you have a large portfolio that exceeds $1 million in combined unregistered accounts and $1 million in combined registered accounts, how do you go about protecting it from insolvency of a member institution? Is it possible to do so?

Thanks,
Jason

Q: I own tnc, pli,itc,czo and looking for a couple more of your fav's for growth. it will amount to ~5% of my portfolio tkx pat

Q: Could you please provide a list of the dogs of the Dow for y/e 2016

Q: Do you have any thoughts on binary option trading. If positive , any recommendations as to reputable brokers.

Q: Les'question today about Alcoa - I think it may be a bit more complex. Alcoa first did a reverse 1 for 3 split and then days later spun off 1 share of a new company for every 3 of the new shares of Alcoa. At the same time they named the new company Alcoa and the old company Arconic. Les' BV for Arconic should be the old Alcoa BV (before the 1 for 3) and his $2,000 BV for the new Alcoa is the BV of the spinoff, so adding the two together he should have GAINED $2,000 in overall BV (probably temporarily). There may be no tax implication for a Canadian holder IF CRA eventually approve the spinoff under S86.1 (they haven't yet, so Les may find the $2,000 reported as a taxable stock dividend in a T5). If and when they do approve Les will have to advise CRA how he wishes to proceed under S86.1 - see an accountant or google several good articles on foreign spinoffs. I intend to file assuming approval and ignoring any stock dividend with an accompanying letter to CRA electing to defer tax and at the same time reducing the Arconic BV by the amount of the new Alcoa BV thus cancelling the temporary increase in BV. Worked for me before on HPQ/HPE and DHR/FTV. Hope this helps.