Investment Q&A

Q: Hi team, Im holding CSU for the last year in my TFSA account which is a 14 % holding , it hasn't done much over the year and Im thinking of selling the shares and replacing it by KXS , PBH or AEM , which of the 3 do you suggest.......Thanks.

Q: Hi, in my RRSP I hold most of the Model Portfolio holdings and I also hold 2 of the Growth stocks , XTC and DBO ,.....XTC Ive had for over a year now without much movement on the upside , I"d like to replace it with another of the Growth names, which ones would ou recommend, its worth appox $1300.00..........Thanks,

Q: 'We’re in a bubble': Record home sales in Toronto and Vancouver intensify fears of overheating.
This is all I have been reading for the past few weeks, coupled with bank CEO's stating that Ottawa should be taking necessary steps to regulate mortgages.
I cannot but think back while visiting in Florida 8 years ago, it was evidenced the very same concerns, a massive real estate bubble, I for one could not believe the construction real estate growth that was happening.
Within two years the bubble did break, and although mtge backed securities caused the massive financial problems the US continues to struggle.
My question is "should real estate collapses in Vancouver and Toronto, will this not create a major recession". What is 5i opinion going forward. As investors should we be taking the necessary steps to put some protection on.
I would appreciate you usual candid opinion and thanks

Q: Hi 5i, I have been slowly adding to my portfolio. So far it is all held in a TFSA with long term in mind. The listed companies are the current holdings (I don't know weighted percents off hand). Can you please recommend maybe 2-3 other companies or funds that would help to round out my portfolio? I plan to make regular contributions for the long term. All available DRIP's are being utilized as well to further growth. Do you see any current major issues with the current holdings?

Thanks 5i! Keep up the great work, you're much appreciated!

Q: I am looking to buy some Stantec, do you think this is a good entry point now for long term investment

Q: I have a balanced portfolio which includes a little more than a half position in QSR, but this stock seems to be somewhat range-bound. Given recent events at MTY, do you think a move from QSR to MTY would be wise, even after the run-up of MTY?

Thanks.

Q: My number one worry about investing and retirement is my wife's defined pension at the University of Toronto. It's too good to be true. Here it is: she started working there at 30 years old and now she's 34. Every months, she puts 400$ into that pension and the university puts 200$. At 62, she will get for the rest of her life an amount equal to the highest salary she has made there. Right now, that would be 80k. How can a pension afford this?! At 62, she will have contributed 230k and with a 6% return, the pension will have grown it to 700k by the time she retires. Not nearly enough to pay her 80k a year for the rest of her life! Now here is a RED FLAG: Last year, they reduced by 50% how much the university contributes to it. Before, they used to match her contribution by 100%. Someone messed up. Can we trust this plan? Can you see how the pension can make those numbers work?

Q: Can you recommend what % of my overall investment portfolio should be kept in a cash account? Right now my cash reserve is around 35%.
Thank you.

Q: Hello. In the summer of 2014 I owed 5 oil stocks (PEY, VET, MEG, BTE and SGY) but saw the oil market changing and a year or so later I owed only one (White Cap). I was happy but maybe a little too pleased with myself because I was slow to recognize oil’s bottoming and have missed out. I still own WCP and am looking for 2 or 3 oil ideas to compliment it. I think the companies that have bought assets during this downtown will ultimately be the winners but really my only criteria is that these ideas should be decently liquid names. Thank you

Q: Apivio Systems any opinion ?

Q: I am looking at dra.un for a 1 to 2 year hold for moderate growth and income. What is your synopsis for this company and are they connected to bam.a in any way? Thank you

Q: Hello, what do you think of MLPY and MLPN which I think are two ETNs traded on the NYSE? Both of them are high-yield investments correlatated to the price of oïl (if I am correct). Is it too risky? Thanks, Gervais

Q: I've searched and only found one question on RDM Corp (RC). I have a small position and looking to add more for a long term holding. Can you provide an assessment of its growth prospect and whether to add more, or an alternative in the same industry.
Thanks again. John C

Q: Would you use the latest run up in HNZ Group as an opportunity to exit the position? I bought the security for income and because it seemed like a good value (Benjamin Graham) stock with a strong balance sheet. However I made the mistake of not considering the concentration of its earnings in a few large contracts.

Q: In Oct. 2014, I noticed that IRG was about to initiate paying a dividend and, following your general observation that it is a good sign when a company does this, I bought some shares that are now up 62%. The shares do seem now to be in holding pattern and I am writing to ask if you think it is time to move on or if you see a continuing upside and would suggest hanging on.
Thank you for your great service,
Bob.

Q: I hold ETFs that track the S&P500, TSX and the All Cap Ex NA index, both hedged and non-hedged. I'm considering adding an emerging market ETF but I'm concerned about the heavy China weighted that most such ETFs have. Your advice would be appreciated. In particular, can you suggest one that has a lower China weighting?

Q: Hello 5i.
Would you please consider the following as recommend a company or two that may fit the bill?

I have been looking at the tech stocks run up in USA but not yet joined the ride. I do believe FB, Amazon and Google are super companies and stocks but can not seem to pull the trigger given high price and buying in US$.

Is there a Tech stock worth purchasing that would sub for these US juggernauts(business growth and price appreciation) - Or do I just move on Google or Amazon?
Does TIO fit the bill given its high score as one of Canada's fastest growing companies?

Thanks for your contributions.
Dave

Q: Hi Peter and Team! I have a question about the rules of TFSA investing. Supposing , For simplicity sake, I was allowed 50,000 to invest in a TFSA. The TFSA then generated 20,000$ capital gain. I then decided to buy something with the 70,000 $ and cashed out my TFSA. A year later I decided to replenish my TFSA. Am I allowed to put back only the original $ 50,000 or can I replace the full 70,000$ ? Thank you, and have a great weekend, Tamara

Q: what's your recent analysis of this co?
thanks for your good services
georges

Q: Given today's market and the expectation of a US rate hike, could you identify 5 ETF's that you would be comfortable with to provide safety of principal and income. Thanks.