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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 the above securities, as well as RBC Cdn Equity Inc, Sentry Cdn Inc, Sentry Global REIT, and fixed income via Fisgard Capital, Annuities, a company pension, CPP and soon-to-be OAS.

I really focus on asset allocation and am a little light on Consumer stocks, holding CGX, PBH and TCL (although some consider TCL to be in the Industrial sector). I am normally a buy-and-hold investor who trims-adds around core positions.

Question 1 = I am looking to add 1 more consumer stock and am looking for a dividend ideally > 3%. Based on my stock-ETF-MF mix, are there a few stocks you could suggest that would fit in my above set of securities.

Q2 = if I was to consider ideas from the Income Portfolio, is there an issue with having multiple food stocks....like PBH and A&W and NWC. Why have more than one food stock?

Q# = because A&W is a ".UN" company, how are their dividends treated for tax purposes? Are they eligible for the dividend tax credit?

Deduct as many credits as you deem appropriate....got loads and will never use them all up.

Thanks as always...Steve
Read Answer Asked by Stephen on March 21, 2019
Q: Good morning,
My wife and I wish to put $$$ into our minor (twins 7 yrs old) grandchildren's in- trust accounts to help them get an early start in building an investment portfolio. Moreover, this would allow them to start contributing to their TFSA when they reach 18 years of age and when I am perhaps long gone.
I understand that if I put $$$ in my minor grandchildren's in-trust accounts that ALL INCOME would be taxed in my hands until they reach 18 years of age but that any CAPITAL GAINS would be taxed in the hands of the grandchildren regardless of their age.
Assuming that my understanding is indeed correct, I am looking for a few suitable investment vehicles and more specifically a few good quality ETFs that DO NOT generate any form of INCOME or DISTRIBUTIONS other than CAPITAL GAINS.
I would very much appreciate your thoughts on implementing this strategy along with a few of your best ideas as to which ETFS you would recommend for my purpose.
I thank you in advance and look forward to hearing your response along with your ETF recommendations.
Read Answer Asked by Francesco on March 21, 2019
Q: My question relates to investments for a growth oriented TFSA. If you were choosing 10 growth stocks for a TFSA what would be your top candidates today.
Thanks
Mike
Read Answer Asked by michael on March 21, 2019
Q: Hi,
I need a bit of help in structuring my Bond component for my RRSP.
I had so far running with PH&N High Yield 5%, ZST 5%, PH&N Total Return Bond 10%, PIMCO Monthly Income Fund 5% and MFT 2.5%, for a total of 27.5%. Given my age (59) and the fact that soon we may enter in a Bear market, I have to increase my Bond allocation. According to some, this should mirror my age, probably close to 60%. My question is: What combination of Funds/ETFs and weight should I use? Is probably not a good idea to invest more than 15% in a fund and probably limit my High Yield exposure to 5%. Thank you.
Read Answer Asked by Nicolae on March 21, 2019
Q: Rakuten Inc. - RKUNY A Japanese Internet services. Do you think that it will be a future Shopify or Alibaba ?
Read Answer Asked by Nhung on March 21, 2019
Q: Thank you for all the great advice. My portfolio is currently light in Materials. What (currently) would be your top 5 stocks in this sector to consider adding? 5-10 year hold.
Read Answer Asked by Stan on March 21, 2019
Q: I watched the Neil Bruce interview yesterday and tend to agree somewhat that the company is something of a political pawn and that the continued negative news - more so than company fundamentals - are depressing the stock price. Do you agree? My main questions then are:

1. What happens to the stock price if some of the 407 stake is sold? Investors know it's coming so will this be non-material to prices when complete?

2. If what the CEO said is true and the company only has 1 federal contract at this time anyway is that angle not being massively overplayed as a driver of lower prices?


Read Answer Asked by Tim on March 21, 2019
Q: CSO now has a few quarters under its belt as a strictly metallurgical coal producer - is it looking like a survivor in its field (metrics improving?)?
Also, on 13-March near the end of the day, 10x the average volume was traded in one minute and at about 9% above the intraday high to that point. Any information on that trade, or insight?
Read Answer Asked by Peter on March 21, 2019
Q: Concerning Canadian Cies (like FFH or TRP ), paying dividends, but getting a significant part of their revenues from the US or from foreign Cies that they own : Do we get the whole tax credit on their dividends ? Or is it only in proportion of the Canadian portion of the Cie ?
Read Answer Asked by Jean-Yves on March 21, 2019
Q: I currently have no fixed income. Looking to build this portion using an ETF and GIC's. My thinking is the the ETF could provide a base (liquidity and slightly better yield) with the GIC's providing stability. Considering either HFR or FLOT as the ETF. Which would you prefer or is there are more attractive one in your view? Thanks as always.
Read Answer Asked by Lynda on March 21, 2019
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