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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: I have a question about asset allocation. I'm 70 and don't need income from my portfolio. Currently I have 75% in equities fairly well diversified and 15% in fixed income, mostly bond ETFs (rest cash). You recommend having 25-33% in fixed income depending on how I answer your asset allocator questions. why do I need any fixed income at all if I do not need the income now or for the next few years. When I do need this income, could I not convert to bonds ? The bond funds that I have have been about neutral over the past couple of years; some have gained and some have lost value. they have paid out interest but then so have the equities to a considerable extent. thanks
Read Answer Asked by Stuart on October 08, 2019
Q: There was a article in the Globe on the weekend about what could happen if your broker went bankrupt or insolvent. They stated it was conceivable that a client of the failed broker could lose all their shares. They talked about the CIPF protecting you up to $1 million but if you had more assets than a million then you should have more than one broker. I am just wondering how that could happen? The client still owns the shares not the broker. Under what scenario could this be likely or even possible?

Thanks Ken
Read Answer Asked by Ken on September 30, 2019
Q: Hello 5i
It is great that these changes have been made to the Portfolio Analytics. The next important change would be to be able to download my portfolio with the combined positions instead of the separate ones. Adjusting the downloaded spreadsheet to having to add all the similar elements is a chore to get a hard copy of everything. Since I buy and sell with TD and monitor using Morningstar and Yahoo it makes things difficult. (I use Morningstar and Yahoo in addition to your great Portfolio Analytics as each offers a different perspective) and, yes, I do spend hours a day reviewing my portfolio but only taking action at your suggestion, when required but its is good to be hands on as nobody else would care as much as I do because its mine and not a generic assimilation from a broker!
Question: Is combining the positions available to the download in the works?
Thanx
Stanley
Read Answer Asked by STANLEY on September 10, 2019
Q: This is a follow up to Greg's question in regards to negative interest rates on Sept 5.

Are negative rates generally good or bad for bank stocks? Since they will still charge a premium for mortgages and lending, as well as getting tighter with lending would theoretically mean less delinquencies. Also, I imagine they would still charge fees on any accounts that they already do, wouldn't charging to hold money (as a negative interest rate) be another source of income?

What other stocks typically do well in a decreasing or negative rate environment?

Sorry if this is rambling a bit.

Thanks
Read Answer Asked by david on September 10, 2019
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