Investment Q&A

Q: There are a number of ETFs offered which has a policy of using Options of up to 30% of the investment. The management fees in general is higher as it attempts to provide higher yield as well as Capital gains. As I have a few of these funds in various accounts, where can I find how much are they making in Options, Dividends and Capital gains. Will appreciate the source of such information in general for these kinds of ETFs.

Q: Do you think PPL would be a decent buy and hold considering it might buy into the trans mountain pipeline.

Q: With the US economy predicted to outperform Canada's next year, would you suggest tilting portfolios toward US equities? On a related note, both my TFSA and RSP are filled with US stocks, meaning addition US equities would have to go into a cash account. Can you recommend a website that clearly outlines tax consequences at various income levels in non-registered accounts for both capital gains and interest from US stocks? Thank you.

Q: Happily I do not hold either BNS or TD.

What I find very shareholder unfriendly is the bank setting aside $2 billion and $4 billion respectively for emplyee bonuses.

That is billion.

YTD BNS stock is down 8% and TD stock is down 6%.

Not sure why shareholders accept this type of expenditure.

If my math is right thats a $44,444 bonus for every one of TD's 90k employees and a $22,222 bonus for everyone of BNS worldwide employees.

Pretty excessive if you ask me, given their stock performance.


Sheldon

Q: How are capital gains taxed? Should it be in a TFSA or not. Greetings, Peter.

Q: Will soon have manditory withdraw of funds from a RIFF. Please rate these for sale with some reasoning.

Q: Hi there,

Any thoughts on when DFN might resume its’ distribution?
If and when interest rates decline do you see a return to a higher price?

Thanks.

Q: Comment on: 2023-12-01 Q&A:

Q: I know it's outside your mandate but do you know of a good analysis software that takes taxes and investment returns with rrsp's ,tfsa's cash accounts and cpp into account . We have been investing on our own for 40 years and just don't want to give an advisor 1 to 2 % of our money. Thanks for any recommendations.
A: Sharesight appears to have a portfolio tracking software that allows for tax reporting and other functions, and Wealthica also has some portfolio tracking and reporting tools for Canadian investors.

- Wealthica: Agree [used 3 years]
- WealthScope: a Wealthica add-ons for deeper analysis ($) - good [used 2 years]
- MoneyReadyApp (www.moneyreadyapp.ca) ($): Generates plans similar to what Financial Planners produce ($$$$$) - requires serious effort to setup and understand, but is amazing after that [used 1 week]

Q: Peter and His Wonder Team
LGO is up 15% today...any idea why. Is this a sign of a better future? Thanks as always!

Q: Hi Peter, With all the talk going on about rate cuts next year, what is your opinion on parking cash as part of fixed income. Should one go for 1 year or 5 yr ladder GIC. This is what i got from TD branch although website is way lower.

1 year GIC – 5.90%
1 year GIC – 5.90%
2 year GIC – 5.60%
3 year GIC – 5.40%
4 year GIC – 5.20%
5 year GIC – 5.20%

Thanks

Q: I know it's outside your mandate but do you know of a good analysis software that takes taxes and investment returns with rrsp's ,tfsa's cash accounts and cpp into account . We have been investing on our own for 40 years and just don't want to give an advisor 1 to 2 % of our money. Thanks for any recommendations.

Q: Please advise what is the current dividend on this stock, as it has just reset.

Q: What is your opinion on the prospects of Cenovus(CVE) and Ovintiv(OVV) over the next 5 and 10 years ? What are your thoughts on selling them (old stocks that could be sold for a tax loss) and replacing them, as a long-term hold, with some Brookfield stock (BN, BEP and/or BIP)? If you favor that, which Brookfield company would you recommend be given the greatest weight ? Or is it better to hold onto those oil and gas stocks for a while?

Q: Hello Peter,
What is driving Aecon stock? It is ticking upwards slowly. I am thinking of keeping it for dividend and some upside.. Any thoughts please? Also, Ivanhoe Electric.. Is it a good time to take a small position? Any idea why the stock shows different statuses on tsx versus nyse.. Sometimes it does not trade much on tsx and other times the values are different eventhough i take into account exchange rates. Thanks very much

Q: For a long term hold (15 years) in a RESP, would you prefer ZEB or ZWB and provide reasons why. Also any other suggestions would be appreciated.

Q: Good morning. Could i have your views on this co.

Q: Hi 5i, we need to increase our Healthcare allocation.

Currently hold XLV in our non-reg account, and are satisfied with it.

We need to use CA$ funds in our RIF's to increase, and are looking
at HHL, XHC, and LIFE (little unsure with LIFE as their website has faulty info).

We are looking for income plus some growth.

Could you provide some analysis of these 3 options,
and any other suggestions that you might see.

Thanks as always for your assistance. T.

Q: I seem to recall one of the "Market Masters" saying the time to load up on Financials is after they have been crushed. I know you don't necessarily like the expression "load up" but if you wanted to increase your Cdn bank exposure are there one or two you think stand out as having the biggest bounce potential from here, or would you forget about trying to be right on one or two securities and just buy the ETF if you believe the whole sector might recover from these levels? Thanks for your thoughts.

Q: I do not understand why the Canadian dollar has risen relative to the USD$ recently. The price of oil is declining, our government debt is increasing again, productivity is low and business investment in Canada is almost non-existent. Why is the Canadian dollar currently getting stronger?

Q: Hello 5i,

GOLD is now reaching (or exceeding) an all time high in $US. I wonder if you could comment on the sector. Could the recent rise be partially due to uncertainty (2 wars, a pandemic, global warming concerns, inflation, etc.). Could it also be due to increased demand by the Commonwealth Mints to respond to the minting of coins for the new monarch. Any comments on the breakout from a technical analysis would be handy as well. Feel free to deduct a few question credits as I have asked a few questions in this note.