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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: Gentlemen: With Gold, Bonds, Money market funds, CDs, Emerging markets and cash all paying less than inflation, diversifying a portfolio to say 50% non equity as advised with aging, is a joke…. Where do you recommend looking for 2022?
Read Answer Asked by James on January 24, 2022
Q: It seems certain there will be several interest rate increases this year (and possibly more in 2023). That means fixed income will become more attractive. Please provide your outlook on this change and discuss how various fixed-income types (bonds, mortgages, mortgage-backed securities, consumer financing, etc.) will be affected and what opportunities for individual investors are likely to appear in the fixed-income sector as rates rise over the next 12-18 months.

Thank you,
IslandJohn


Read Answer Asked by John on January 24, 2022
Q: In late December I transitioned my RRIF portfolio (~28% of total portfolio) from a mix of VGRO & XAW to all VRIF (objective primarily to derisk a bit (?) and to simplify required payouts.
I maybe didn't adequately consider the following implications in my decision? What are your thoughts about the exposure to possible ROC as part of the monthly payouts and the subsequent more-rapid erosion of the RRIF capital, given the current market turmoil.
Thank you.
Read Answer Asked by Lotar on January 24, 2022
Q: At today's prices what would your favourite 5, profitable and growing small/mid cap stocks be and 5 profitable and growing large caps be?

Thanks again for your calm, rational reassurances that this is not the first time (nor the last) that the market has taken an ugly turn down ........ and that each and EVERY time it eventually recovers to reach new highs. Its easy to make money when everything is going up, the key is to minimize what you lose (most often by doing nothing) when everything is going down.

Thanks for the wisdom

Scott
Read Answer Asked by Scott on January 24, 2022
Q: 30 days ago I sold AQN, BEP.UN, and SJ for tax losses, and replaced them with CPX, BAM and ADN, respectively, thanks in large part to your advice plus some other research I did.
Which of the "replacements" would you shed in favour of a return to the original holdings (as originally planned). I'm thinking CPX out/AQN (or BEP) back in, ADN out/SJ back in, but hold BAM and skip BEP (or AQN). Does that make sense to you?
Portfolio objective is ~ 8-10-year holds (except for harvesting tax losses occasionally) with dividend growth.
What comments would you have on the timing of these transactions in light of the current market turmoil?
Thank you.
Read Answer Asked by Lotar on January 24, 2022
Q: I own ZWU in an RRSP account. Today's market price is basically the price I paid to buy it. I own it for the healthy monthly dividend it pays (7% annually). With interest rates about to increase this spring and at least 3 interest rate hikes expected this year, how would those rate hikes affect the price of ZWU? Would I be better off selling ZWU and then investing the proceeds in ZWC which is more diversified in its holdings? My investment time horizon is 10+ years. Thank you.
Read Answer Asked by Cathy on January 24, 2022
Q: Friday’s large drop brought Galaxy to my attention and its P/E of 3 per your data made me look further. But I don’t understand some of the other numbers: Revenue = 0, Interest coverage is negative 123.9, and Price to cash flow is 1246.
If P/E is correct it seems like a something to add to my list. I could imagine that revenue might drop if a significant portion of their customers were to drop or reduce their crypto currency activity after taking big hits on those assets.
But I don’t understand their business. Is this as cheap as it appears, and is the outlook decent?
Read Answer Asked by Peter on January 24, 2022
Q: Thank you for posting the note that doing nothing is one of the hardest things!!! I have been doing nothing but am now looking to add 1 new position to my Canadian TFSA, might also just add to existing positions depending on your answer. Please tell us the 3 stocks you would buy today in Canadian small to mid cap that have been sorely beaten up and have great future growth potential from here. Thanks again!
Read Answer Asked by Barbara on January 24, 2022
Q: Hi,

I currently own META and QCLN.
For long term hold, I'm thinking about switching these two into SMART stocks because they dropped more.

1) Do you think SMART stocks will outperform META and QCLN in the long term?
2) Do you think SMART stocks are cheap enough right now given almost 50% drops?

Thank you!
Read Answer Asked by Yongwei on January 24, 2022
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