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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 all -

Regarding Hector's T1135 question a couple of days ago, he mentions that he has American stocks with a value of 120K with Canadian Broker.

First I will say I am not an expert on this subject.
It's my understanding though that he would only need to fill out the form if the total actual "cost" (converted to CAD, each at date of purchase) exceeded 100K. Is this not correct?

Secondly, this 100K (again, total cost in CAD) applies to accounts outside RRSP's and TFSA's. So in other words, if his total cost was under 100K outside his registered accounts, yet amounts inside either or both his registered accounts exceeded 100K, he would still not be required to fill out this form. Those amounts are not affected.

Is my understanding (hopefully) correct on this?

Thanks.

Jim
Read Answer Asked by James on April 21, 2017
Q: Team,
My full service brokerage account currently has a cash position of 16% and my broker's position on this is that the account will be positioned for an anticipated market pullback and her thought is then to enter with the cash.
I am retired and live off the income provided by the account. The account is entirely Canadian dividend payers ( total of 23 equity positions) which range from 3% to 7% yields. The portfolio is largely banks/insurance ,pipelines/processors and some telecoms. My thought is to reduce the cash to around 5% and add to existing positions or else add a few defensive positions.
Appreciate your comments on the current position and thoughts as to best way to proceed.
Thx
Read Answer Asked by Peter on April 21, 2017
Q: I am trying to understand how you do things and can only re-visit this topic when my time permits.

I understand there are 11 sectors:
1. Technology
2. Basic Materials
3. Industrials
4. Financials
5. Consumer Cyclicals
6. Consumer Non-cyclicals
7. Utilities
8. Telecommunications
9. Healthcare
10. Energy
11. Real Estate

Would you agree with above?

Keeping this in mind, you have a representative of each sector in the Balanced Portfolio?

Do you feel that a person should have all sectors represented in their portfolio at all times?

Thank you in advance for your help with this.
Read Answer Asked by Margaret on April 21, 2017
Q: I would just like to echo Rod L's response to "complaint re KWH.UN etc". I have been a very happy member since May of 2013. Not everything has gone well, but by roughly following a 5i model (I think diversification, self risk assessment, and time) I have much more than exceeded my investment expectations. I think anyone would be hard pressed to find a better investment service anywhere - and the price is a bargain!!
Read Answer Asked by Jim on April 21, 2017
Q: I feel I have to respond to "dave's " complaint re KWH.UN etc. I have been a member since 2012 plus spent my life in the investment business . I'm now 75 . I challenge Dave to provide me with a comparable service to 5i's for the depth of their research plus the vault of data available - for a very low cost. There is not a service anywhere like it where you can ask - and receive such expert response quickly. My portfolios have benefitted substantially since joining and any little response problems are minuscule. Print if you wish.

Rod

Rod
Read Answer Asked by Rodney on April 20, 2017
Q: Hi team, I'm looking for 4 suggestions of equal weight to add to my tfsa. Looking to be farely aggressive in this account. Cheers
Read Answer Asked by Seamus on April 20, 2017
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