Investment Q&A

Q: In response to Victor, here is a suggestion for a free app I use to monitor equities in real-time on my Android phone. The app is called Webull and is available on Play Store.
Some advantages are as follows: Easy to set up. You can have as many portfolios as you want, for example, with names such as Indexes, Core, Fin, O&G, Small Cap, Bonds, etc. You can have an equity in as many portfolios as you want, for example, TD in Core and Fin. Convenient to track equities you own plus others you want to follow. Easy to add and delete an equity. Each portfolio displays the equities with their current price, % change or the absolute price change in a convenient visual colour code (green, red, light gray). Tap on an equity and you can see a graph which you can set to a default time limit, for example, 1m, 3m, 1yr, 5yr, max. Dividends & past earnings dates are displayed on the 1m, 3m, and 1yr graphs.
You can quickly check on the market action of your equities anytime whether at home, at work or anywhere else you happen to be.
It does not track the monetary values of equities like a spreadsheet can do.
Share with your 5i audience as you wish.

Q: Just a quick comment on Victor’s frustration with Globe Investor’s watchlist. I agree that the re-design is clumsy and not user-friendly at all. You can delete stocks though. Go to far right and you will see 3 little bullets. Left click on the bullets and you will see a new menu. Highlighted in red is Delete from Watchlist.

I actually don’t use Globe Investor watchlist that much. Sometimes in the evening for a leisurely look. My main watchlist is from my bank brokerage (TD Dashboard). I would assume all brokerages have something similar. It is live data and I probably have 300 stocks on my watchlist or lists. I set up about 10 lists by sector which gives you a much better reading on the ebb and flow of the markets and sectors during the day.

dave

Q: Hello team,

A quick question regarding tax losses: I sell a stock at a gain and then buy the same stock say the next day. At the end of the year, I pay taxes on the gain. Then I sell the same stock in the next year at a loss. Can I claim a tax loss on the stock? I am not sure if there would be a problem with the 30 day rule in this case, right?

Thanks a lot for your assistance!

Q: For investors living on 4% of portfolio income and growth is there any difference between withdrawing 1/3% monthly or 1% quarterly or 2% semiannually or 4% annually or would the result be the comparable?

If the portfolio is entirely invested in a US index ETF such as SPY or VOO, is it likely to grow over the long run?

Q: Hi Folks,
Further to the question I asked about Bank Bail-Ins, could you explain this a bit further: "The best defense is to have a cash account only, where securities are segregated"?
Does this mean an "investment account" where we only have cash or perhaps GICs, T-Bills, etc? In other words, no equities? I'm not sure what you meant by that.

thanks again,

Paul

Q: Is there anything new on the Bank "Bail-In" front? Has it been determined if savings account will be hit or not? What about investment accounts like Investorline? Any new tips on how to protect against this?
Thanks, Paul

Q: I am wondering if 5i staff or members have any recommendations for accounting software that can track capital gains/losses, dividends, as well as option premiums. The main purpose of the software would be for income tax calculations. The options and premiums are in US dollars and need conversion to the Canadian dollar. Any suggestions would be appreciated!

Q: I have a question about portfolio composition. Am 3 years away from converting RSP to RRIF. Live comfortably from dividends, CPP etc.. RSP and cash accounts are equal size , concentrated,and hold banks, REITS, pipelines, utilities ( whose decline does not worry me as long as dividends remain, actually good buying opportunity). My TFSA is 3% of total portfolio and is my ' fun money" trading around many of your growth portfolio stocks.
I have cash available in both RSP and cash accounts and wish to buy smaller cap high dividend paying stocks for more return (and risk) potential. Targeting 10% allocation total cash/RSP value. So, where should I hold these stocks.....RSP or cash or both? RSP will give me 3 years tax deferral on gains ( which will be then taxed at high rate on withdrawal) or cash account with more immediate (but lower) taxes.
Any other advice would be appreciated.
DEREK

Q: In my never ending quest to understand all things market related, could your team briefly explain "MARKET EFFECTIVENESS" ratings, and what constitutes a good % rate for a company management group. There are 3 groupings 1) equity usually the 7 to 15 % range. 2) asset usually the lowest % of the group and 3) capital. Never do the % seem all that high. Is one more useful then the others, and are these a good tools for evaluation? Thank you as always very happy with your service

Q: Looking at parking some cash for a year or so and would like your best ideas.What are your thoughts on oaken financial? Cdic protection is important.
Thanks as always.

Q: what do you think of david rosenbergs column in todays globe, why this rise in interest rates has me very concerned.
personally i think he is far more correct than wrong.
and please do not answer with for every viewpoint there is an opposing view.
rosenberg backs up his article with facts. dave

Q: Your thoughts on this bank? It looks incredibly cheap.

Thank you.

Q: I have extended family who want to learn about dividend stocks and all the terms and issues relevant to them. Is there a beginning level book on the topic that you can recommend? One that defines terms (dividend, ROC, yield, capital gains, POR, etc) as well as investment issues?

Q: Hi, about the recent question from Brad, who, like many of us is left clueless when recent changes to Globe Investor Watchlist app resulted in loss of a very useful feature which updated news as and when released from various news wire sources for the stocks on the watchlist. I am now using Yahoo Finance ( I think it's free), where I have uploaded my Watch List and most news releases are updated as and when out. The only issue is that, Yahoo Finance also posts Motley Fool/Accesswire articles, frequently, linked to these stocks, but are of no use for me. I am reasonably OK with this.

Q: Hello 5i Team,

Wondering if you can give me some direction in finding a watchlist/portfolio tracking tool that shows (near) real-time headlines of press releases and other related news (as it's published) in a column beside the list of stocks.
Globeinvestor used to be configured this way, but they have made many recent "improvements" to their tools. I can find new press releases, but I have to go into a menu for each individual stock. This is very onerous, as there are about 80 different stocks from several countries in my watch list. I have asked the Globe's Help Desk if changes will be made. They replied that other Gloveinvestor subscribers are also asking for this, but they can't say if/when changes will be made to add to or change the current configuration.

I asked for advice through the 5i Forum, and as such, set up a watchlist on Morningstar. However, I find many of the news items/press releases missing, or not published in a timely manner.

I know I am missing out on some important information that is affecting my potential trading decisions. Sometimes this works to my advantage (so that I don't make knee-jerk decisions), but for the most part, I would rather know what's happening with my stocks sooner than later.

Thanks very much,

Brad

Q: Does the data in the company section come from Bloomberg ? Any chance we could export the detailed quote and ratios in excel to compare companies ? How is the leverage ratio calculated ? Thank you

Q: Hello 5i team,
Do you give any credence to Z scores? My take is that the values may depend on the sector. For instance in the utilities; AGN, BIP, BEP, EMA all have scores below 1 ranging from .45 to .82 and thus doomed to failure! KWH, SPB ,and VNR ave from 2.02 to 3.53. Thus the sector is all over the place. In what context would these scores be used, if at all?
Thank you
Stanley

Q: I have a question on portfolio allocations. If I have a 50% fixed income and 50% equity mix and I look a no stock being more than 5% does that mean 10 stocks at full positions (5 % of full portfolio) or 20 stocks (5% of equity portion). 10 stock positions seems quite concentrated.

Q: Please do not deduct a credit if possible as a one sentence response.What is "at the market equity program that allows a company to issue up to a certain amount of shares"?Txs for u usual great services & views

Q: During a recession do Large Cap blue chip companies(aristocrats) reduce their Dividends or has history shown that they tend to weather the storm and maintain.