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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 am currently using 1 year term GIC's for my fixed income portion of my portfolio. I don't need income and looking to maximize my long term total return (i.e. 10 years or more) with low volatility and relatively low risk of loss compared to equities. Can you please provide me with a few alternatives? I am thinking ETF's might be the way to go but I am open to your suggestions. Thanks for your wisdom.
Read Answer Asked by Rino on January 22, 2018
Q: Could I get your thoughts in the index funds series A available through RBC?
Read Answer Asked by Matthew on January 22, 2018
Q: In answer to my question concerning various choices for US ETFs, you misquoted one.
I had included VTI as one of my pics. Your answer incorrectly listed it as VGI which is a closed-end management company. Symbols can be very confusing. Regards.
Read Answer Asked by Robert on January 22, 2018
Q: As small investors, we are constantly urged (John DeGoey even pleads) that we diversify out of Canada via ETF/mutual funds but far less is said about the tax implications on investment return of the recommendations. Let's say one wants to invest new funds in mutual/ETF funds that are tax efficient. Because of contribution limit rules on TFSA/RSP/RIF, someone wants to add to their regular Canadian trading account instead. I understand at least one fund co. uses swaps so you postpone tax until you sell thereby avoiding annual dividend and unpredictable capital distributions. At least you then have some control over tax exposure timing and amount. Realize this not the forum for comprehensive answer (designing such a portfolio good topic for one of your newsletters), but can you advise of of some high quality fund managers/funds that offer tax advantaged products? Thank you.
Read Answer Asked by Robert on January 22, 2018
Q: I presently have $150,000 in MMF19. It has a MER of 1.5% and has yielded about 3.5 % annually over the past two years. PMIF has a MER of 0.75 and the indicated yield is 4.6% while PM0205 has a MER of 0.75 and a yield of 3.94 %. Would you sell MMF19 and buy one of the PMICO funds as a replacement? Would you have an even better suggestion?
I'm 85 years old with no need for income but I want to reduce risk by holding some bonds.
Read Answer Asked by George on January 22, 2018
Q: i currently hold hr.un and drg.un in my portfolio for a total reit exposure of 12%, split almost evenly between the two. I am thinking of reducing the above two and adding bpy.un for a total of three reits totalling 12% of my portfolio. Would i gain much more global exposure than what i currently have and would it increase my exposure negatively.

Thanks, David
Read Answer Asked by david on January 22, 2018
Q: Hello 5i,
My wife has a very small LIF (around 1% of our PF value) which was put into RBF461 A. Initially it generated enough income to almost cover the withdrawals, only a minimal amount was needed to be sold. The last year, however, has seen the fund return very little and more has needed to be sold to cover the annual withdrawal.
I was contemplating switching the LIF to XTR which would seemingly generate far more income and require a smaller amount to be sold. My questions are:
1. Would you endorse moving out of the RBC mutual fund and into an ETF?
2. If so, would XTR be a suitable candidate or would you recommend something else?
We currently have (5) pensions and an equity portfolio which also has some fixed income in it (@15%).
Thanks for any direction you might be able to provide.
Cheers,
Mike
Read Answer Asked by Mike on January 22, 2018
Q: Hello Peter
What are your thoughts on Nomura Instinet analyst comment on CNBC about SQ Inc.
(Payment company Square is "analogous to Amazon or Google in their early days" but Wall Street is valuing the stock all wrong, according to Nomura Instinet)
Thank you always for your valuable advice.
Regards
Claudio
Read Answer Asked by claudio on January 22, 2018
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