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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 seen an offer to a friend from Schroders for a Canada Bond paying 8.18%.

The document states that there is a 1 year buy back

The buy price is $108 and the buy back price is $108 after the 1 year term

The purchase is for 925 units

Interest is paid quarterly, $2042.95

Brokerage fee is $249.75

How are they generating this return from "Canada Bonds" to clients when Canada Bonds are at best 5%?
Also how can they set a buy back price? It looks like a GIC to me but there are no GIC's that pay 8.18%.

Joe

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Read Answer Asked by Joseph on July 05, 2023
Q: Would a concentrated portfolio of 10stocks made up of large cap companies regarded as compounders from 5 sectors provide adequate diversification for a RESP ? If not, could you suggest a minimal modification to add diversification?

Thank you
Read Answer Asked by Richard on July 04, 2023
Q: Hope you and the team (and readers) had a nice long weekend.

What looks “cheap” to you right now? I recognize that sometimes things are cheap for a reason. But in your view, what has been punished too much and likely to appreciate from here? 3m was one that I was considering as it is still down quite a bit and will recover in a better market (I assume—as everything seems to have its day). Thanks,

Jason
Read Answer Asked by Jason on July 04, 2023
Q: Hi group can you help me understand how to get a dividend for my cash that I have presently (100 k ) its sitting in my RBC direct investing account / they do not give any interest for this money.
Can you walk me thru what to buy / I need its to be liquid (I want to use the cash if/when we go into a pullback/ downturn.

2 nd question
Please give me your top pick in each sector regardless of US or CAD

Thanks for your help with this
Read Answer Asked by Terence on July 04, 2023
Q: In a recent reader's Q. about 13 companies ranked for long term growth ATS (a 5i "B" name) was ranked first and TIXT ("B+")last.

I am trying to understand if it was only the growth factor that compelled the ranking, or is there some other?

In a recent report you state TIXT " has a
12.6X forward P/E, which is significantly lower than its peers, at 24.9X on average." The report also states the stock trades at a significant discount to its many measures.

Kindly reconcile my confusion in your apparent rationale and also tell me which are the TIXT peers.
Read Answer Asked by Jeff on July 04, 2023
Q: Hi, a few years ago I got tired of trying to pick winners in the REIT space and invested in your model portfolio choice of ZRE. I'm wondering now if some of the equal weight holdings are starting to be a drag on performance, that may continue into the medium term? The same average yield could probably be obtained with a few individual securities like CAR and DIR with maybe a better outlook for capital appreciation in that same medium term (understanding that you would be moving up the risk scale again)? Do you think you would do better as a stock picker in this space today or stick with the ETF? If the former, do you have better suggestions today than the two named? Thanks.
Read Answer Asked by Stephen R. on July 04, 2023
Q: I've been reading about the different banks and their 30 year mortgages. In terms of risk can one assume that BNS and NA have a safer approach to mortgage lending the other Canadian banks.
I appreciate your input as always. Thank you.
Read Answer Asked by Mary Jean on July 04, 2023
Q: Hi

Sold both BCE and T prior to them dropping.

I am now under weight in communications by 3.79%.

Do I buy them back or would I be better off with VOX as my US holdings are doing better than my Canadian holdings over all.

Thank you

Mike
Read Answer Asked by Mike on July 04, 2023
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