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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: First of all Merry Christmas and Happy New Year to the 5i team and all my fellow subscribers.

My question relates to where should I invest (RRSP vs TFSA vs Non Registered).

I am 53 yrs old and plan to retire in the next 12 yrs. My current investment portfolio is virtually 100% in RRSPs. My goal is to build a strong dividend portfolio of Canadian stocks coupled with an International and Bond ETF. My question is where should I keep my investments? RRSP? TFSA? or Non Registered?

I am entering my peak earning years and feel that I can retire comfortably on approx. 70% of my current income. I see potential benefits in all 3 but not sure where I should keep my investments. I will likely be at a lower tax rate than I am now than when I am ready to withdrawal from my RRSP. However, who knows what will happen with tax rates. As well, income from my RRSP (but not my TFSA) would impact my OAS clawback.

Any suggestions would be greatly appreciated.
Read Answer Asked by Nick on December 27, 2017
Q: I am using BMO investorline and have no trouble logging in or using the wesite.
Read Answer Asked by David on December 27, 2017
Q: When companies are spun out as VMD was from PHM it takes several days for the changes to appear in a trading account (Neither PHM nor VMD appear in my account, just a "placeholder"(?)). In a situation like this can we typically trade our shares even though they do not appear in the account?

Royal Circle has a "more than one hour" wait at the moment.

(You list the name as Viamed but others list as Viemed).
Read Answer Asked by Peter on December 27, 2017
Q: Hi Peter,
Any idea why Covalon is not trading today based on yahoo and google stock listings? Also, is there a specific reason for Canopy to be surging so high today as I have not seen any new news release to account for such a spike? Thanks and again appreciate the input.
Read Answer Asked by umedali on December 27, 2017
Q: Hello 5i,

I know you have a bullish view of zinc and recommend TV (which I currently own) for exposure to the metal. I'm wondering if you also have a bullish view on copper?
If so, what would be your recommended strategy for exposure to this base metal? Would you recommend owning a company that is exposed to both metals, or two separate companies that focus on each metal?

Thanks again and Merry Christmas!
Read Answer Asked by Tristan on December 27, 2017
Q: I am also having issues with BMO InvestorLine and have not been able to log in.

Just joined in November and am finding your site very useful. Thanks have a great New Year.
Stew

Read Answer Asked by Stewart on December 27, 2017
Q: Recently there has been talk about this company in news, blogs and investment circles. Does the company have a reliable business model with foreseeable level of profits? Or is it just purely speculative start-up operating in bit coin space hoping some big player will acquire them? Im not knowledgeable about bit coins or mining so request your advise. Thank you.
Read Answer Asked by Sridhar on December 27, 2017
Q: Although this company is not on your radar as it is too small and high risk, can you briefly explain in layman’s terms what this means for the company?
Azincourt Energy Corp. (“Azincourt” or the “Company”) (AAZ.V) announces it has granted an aggregate of 1,410,000 incentive stock options to directors, officers and consultants of the Company and shareholders?
Have a great Christmas everyone!
Read Answer Asked by Martin on December 27, 2017
Q: Happy New Yea 5i, I am looking for income, please rank/rate the above, considering future interest increase influence, perhaps suggesting a better choice. Many thaks,J.A.P., Burlington
Read Answer Asked by Joseph on December 27, 2017
Q: Hello 5ir,
I own AGU which will be merging wit POT. The effective day of the merger does seem to have been established. I have sold the April 20, 2018 call option as a covered write. What happens to the option if the effective date of the merger is before the option expiration date of April 20, 2018?
My broker did not know and neither did their option desk?
Cheers, HD
Read Answer Asked by Hans on December 27, 2017
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