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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: Hi,
A few days ago you answered a question to James and recommended using TD US Money Market Fund as a place to park US cash - (I believe the fund code for this is TDB166). Information of TD's website says there is a distribution yield of .46% and MER of .27%.
I have been using TDB8152 - TD Investment Savings Account as a place to park US$ cash when I am not invested in US$ equities as a place to collect some interest on this money instead of just leaving it in my margin account. When I buy a US stock I sell sufficient amount of TDB8152 to pay for the stock purchase and then return the money to the Savings Account when the stock is sold. I know I receive interest payments every month (in the form of additional shares purchased) - but when I look at the information page on TDB8152 there is no distribution or yield figures available to allow a comparison against TDB166.

So my question here is - which of these 2 funds is the best place to park US$ cash when not invested in US equities - i.e.- 1) which pays the higher yield and 2) are they both equally safe when it comes to protection of principal? As far as I can see both of these trade at a constant price of $10.00 throughout the year - so is only the yield / distribution different?

Thank you.
Read Answer Asked by Alan on May 24, 2017
Q: HELP, I am a confused investor trying to sort out the world of Technology stocks. What I would like is a meaningful way to categorize technology companies, particularly US tech. co's. For example:
PFPT is a security provider.
TSM and AVGO are semiconductor co's.
NVDA does graphics
IBM is an IT co.
5iR Team help.....could you breakdown internet tech into some subcategories and perhaps give me a US stock name for each that would allow me to do some research. In other words I see the forest but help me name the trees.
Thanks team. Chris



Read Answer Asked by Chris on May 24, 2017
Q: I have decided to look outside of Canada for small cap exposure. I am interested in either a mutual fund or ETF in a non emerging market economy. Currently own Russell 2000. What other recommendations would you have for both USA and elsewhere. Can be either Canadian or U.S dollars.

Thanks

Paul
Read Answer Asked by paul on May 24, 2017
Q: I am looking for some education on the impact of a loss of mortgage origination on a bank. Let's say that starting tomorrow, BMO can only find half as many people to sell mortgages to, but, all current mortgage holders renew their mortgage with them every 5 years, and keep paying their mortgages. Does it impact their P/E ratio? I'm guessing that the earnings would drop because there would not be enough new mortgage payers to compensate for those who are are almost done paying off their mortgage?
Read Answer Asked by Matt on May 24, 2017
Q: My portfolio is based almost entirely on your balanced equity but I have two international ETFs, ZDM and ZUE. (only about 7% of the portfolio, total). I have two Canadian ETFs, ZLB (has done reasonably well, +32% in two years) and HAC (up but not really spectacular). It strikes me that I am missing an opportunity to diversify further internationally by moving the two Canadian ETFs. If you agree, can you recommend any to consider? I
Read Answer Asked by Fred on May 24, 2017
Q: Hi, This company has been mentioned a few times on BNN. This company has recently been shedding its non core and non profitable printing/media business and made a few acquisitions in packaging industry.Company also pays a good dividend. In your last post, it was mentioned as a value stock. What are your current views on TCL.a? Do you believe that management's new strategy to diversify into packaging business will pay off and it makes a good candidate to add to my packaging stocks portfolio ? Thanks
Read Answer Asked by rajeev on May 24, 2017
Q: I'm underweight in materials, energy, and utilities. My only exposure to these sectors comes through some total market ETFs I hold. With the current market conditions, would you view adding to these sectors as imperative or would it be more prudent to add to my tech and consumer holdings? If so, could you rank the value of the sectors to my portfolio (where should I stick my next investment first)? Please note, that I do plan to fill out these sector positions eventually and that I'm a young, growth investor with a long-term horizon.
Read Answer Asked by Ryan on May 24, 2017
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