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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: 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
Q: I have noticed a trend to gold companies being proposed as a sector to be considered ready for a buy. please advise your suggestions in this space.
Doug
Read Answer Asked by Doug on January 22, 2018
Q: I hold ALA common shares at a small loss (bought just under $30), and am surprised that it has not been able to get back up near the $31 receipt issue price. I am considering selling ALA and buying back the same number of shares as ALA.r, at a slightly lower price. Is it correct that if the deal does not go through, the receipts are cancelled at $31 per receipt, and if the deal does go through, the receipts become ALA shares on a 1 for 1 basis?

My thinking is that if the deal fails, then I have a capital gain on the receipts (including claiming the current loss on ALA), and if the deal goes through, I am essentially in the same position, whatever the share price. I guess the downside is that if the deal fails and the market really likes that, ALA common shares could go above $31. Am I thinking straight here, and do you have any comment on this plan or the potential market reaction to the deal failing.
Thank-you
Read Answer Asked by grant on January 22, 2018
Q: Hi there,
I have been thinking about hedging my portfolio against a downturn and want to explore ETFs that are bearish on the market. I would appreciate thoughts about any Canadian or International ETFs you might point me to for further research. I would be looking at starting with a small position for now. And, I would also appreciate any other thoughts you might have about insulating a portfolio against the inevitable correction.
Thanks very much, I appreciate the service you provide and just renewed again.
Read Answer Asked by Erna on January 22, 2018
Q: I hold these 3 RIET’s in my investment accounts. I am looking for a replacement for H&R. Would appreciate your suggestions to provide a reasonable return with some growth. The holding will be in a taxable account.
Thank you
Les
Read Answer Asked by Les on January 22, 2018
Q: Hi 5i team,

Enjoy reading the blog on power of dividend growth stocks. I want to invest in US, Europe and Emerging Market. Would investing in ETFs that track dividend growth stocks be better than the overall indexes?
Please provide your ETFs picks, in US$ and in C$, that invest in dividend growth stocks in US, dividend growth stocks in Europe and dividend growth stocks in Emerging Market. Would these etfs be best held in RRSP account? Thanks.

Read Answer Asked by Willie on January 22, 2018
Q: I'm looking for investment vehicles that offer reasonable monthly income with the possiblity of some capital gain. I have chosen PMIF And PLV as possibilities. I would appreciate your opinion regarding the quality of the ETF'S. Safety and professional management being important to me. If there are other possibilities that you favour please indicate them.
Read Answer Asked by Les on January 22, 2018
Q: I have virtually no direct exposure to the US market at the moment and wish to rectify that. My risk tolerance is moderate with a minimum hold of 5+ years.
I am considering adding IWO and MTUM to my RRSP plus 2 or 3 other stocks for diversified exposure. What are your thoughts with this strategy and can you provide a couple stock suggestions, your reasoning behind them, and perhaps how best to allocate the funds?
Thanks for the great service.
Read Answer Asked by Ron on January 22, 2018
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