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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: H i Team, I have google alerts set up to send me emails pointing me to news stories, reports, releases, etc. regarding the various companies that I want to follow. More and more, I am finding, almost all of the alerts I get are links to reports churned out by robots (ie. wall street confidential) that really don't seem to provide the insight that real analysts and reporters can provide. My question is weather you or perhaps any other subscribers know of a way to filter out the robot links while still receiving company stories, news, reports etc. that real people (all be it potentially biased) wrote. One thing that I can count on every day is excellent, non biased answers to questions penned by all of the real caring folks at 5i!! Thank you!
John
Read Answer Asked by John on December 19, 2016
Q: In response to a question about reverse mortgages from Deborah, I recently worked out a spreadsheet comparing a reverse mortgage (CHIP) with a secured line of credit. The CHIP was at 4.74 at the time (I can't remember where I got that number but it was accurate) and assuming interest rate increases, after 10 years, the CHIP had grown from an original $44,000 to $289,326. The LOC at a current 2.94%, grew to $176,500 a difference of well over $100,000. CHIPs do offer a good product but it's not the only one and they are expensive. Many seniors (me included) find themselves with a pretty good net worth but with a problematic cash flow so Deborah's question is appropriate.
Both scenarios on my spreadsheet included a $1200 monthly income. I am also aware that my calculations are approximate. An actual program could work out interest calculations more accurately depending on how they are applied but that would weight even more in a secured line-of-credit's favour I would think.both scenarios on my spreadsheet included a $1200 monthly income. Sorry about that. I am also aware that my calculations are approximate. An actual program could work out interest calculations more accurately depending on how they are applied but that would weight even more in a secured line-of-credit's favour I would think.
Read Answer Asked by Fred on December 19, 2016
Q: I have held these stocks for several years and overall they are up in my portfolio. In the last year that have been flat or down. Are they a hold or sell for the 2017. They are held in a non registered account. Thanks for insight
Read Answer Asked by David on December 19, 2016
Q: Hi Peter at my family's insistence we took a position on the subject stock when the posted their last results since this stock has been dead money with a very small dividend .
What your thinking on this stock is it worth to hold or should I move on and take the heat from the family
Kind regards
Stan
Read Answer Asked by Stan on December 19, 2016
Q: Good morning. I was watching an interview with David Rosenberg who commented that Japanese stocks had an attractive valuation compared to historical norms and should benefit from a depreciating yen. I see that you can buy CJP commission-free in iTrade so was considering it since I have no non-North American exposure. It would be held in RRSP with a long term horizon. Thanks for your insights. Steven
Read Answer Asked by Steven on December 19, 2016
Q: I am doing some sector adjustment in my portfolio and would appreciate your input. I have 5 REITS (ap.un, fcr, sru.un, nhw.un and car.un) but only 1 utility (BEP.UN). I am considering selling First Capital (FCR) and buying either Algonquin Power (AQN) or Altagas (ALA). I am looking for income with enough potential growth to compensate for any cost-of-living increase. Do you agree with my choices? If not, could you propose alternatives. Thanks, as always.
Read Answer Asked by richard on December 19, 2016
Q: i own a half position in CIX (down 17%) and a full position in IGM (up 6%). Both pay a decent dividend. I am concerned with the long term viability of these two stocks. I like the income, but, income could be in question if mutual funds lose their luster. IGM and CIX have both recently risen in price. Would you, sell both, and move to a different financial/insurance type stock, sell CIX and move proceeds to IGM or vice versa?
Read Answer Asked by Ric on December 19, 2016
Q: Hi Peter & team, my question is about the MDA company report of September 2016. At the bottom of the report there is a chart where it says "14D Relative Strength Index (RSI) of MACDONALD DETTWILER". Could you explain what RSI is? According to the chart the RSI was at about 30 on September 29th, is that good? For any given company, is it better to have a higher or a lower RSI? Suggestion: a short Webinar on how to read 5i company reports, specially the charts and tables at the bottom of each report. I greatly appreciate your good service, Gervais
Read Answer Asked by Gervais on December 19, 2016
Q: I am selling my Conoco Phillips for tax loss reasons and looking at what to replace it with. What are your favourite big oil stocks? All the fundamentals look pretty bad to me but comparing charts over the last decade I find Chevron and CNRL seem to be stand out performers. I would prefer to have a good dividend which is fairly safe since I am semi retired.
Read Answer Asked by Andrew on December 19, 2016
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